FCCO Stock Analysis: First Community | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 309m USD | 12M Return: 30.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.25M
EPS Trend: 80.8%
Qual. Beats: 1
Rev. Trend: 97.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Community Corporation (NASDAQ: FCCO) is the holding company for First Community Bank, a community bank headquartered in Lexington, South Carolina, incorporated in 1994. The company operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit, serving small-to-medium sized businesses, professionals, and individuals. This multi-segment structure is typical of community banks seeking to diversify revenue beyond core net interest income by adding fee-based businesses such as mortgage origination and investment advisory services.
Its deposit franchise spans checking, NOW, savings, individual retirement, and money market accounts, along with certificates of deposit, while the loan portfolio covers commercial, consumer, real estate construction and acquisition, and fixed and variable rate mortgage lending. Distribution is supported by online and internet banking, cash management, safe deposit boxes, direct deposit, and credit card services, complemented by non-deposit investment products, brokerage, and insurance offerings.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan growth drives net interest income
- Mortgage banking revenue declines on lower origination volumes
| Net Income: 20.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.20 > 1.0 |
| NWC/Revenue: -1.58k% < 20% (prev -1.36k%; Δ -228.0% < -1%) |
| CFO/TA 0.00 > 3% & CFO 9.86m > Net Income 20.7m |
| Net Debt (84.5m) to EBITDA (35.9m): 2.35 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.34m) vs 12m ago 20.30% < -2% |
| Gross Margin: 68.54% > 18% (prev 62.34%; Δ 6.21% > 0.5%) |
| Asset Turnover: 5.19% > 50% (prev 4.95%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBIT TTM 34.8m / Interest Expense TTM 36.0m) |
| A: -0.76 (Total Current Assets 35.4m - Total Current Liabilities 1.86b) / Total Assets 2.39b |
| B: 0.04 (Retained Earnings 84.3m / Total Assets 2.39b) |
| C: 0.02 (EBIT TTM 34.8m / Avg Total Assets 2.22b) |
| D: 0.10 (Book Value of Equity 220.8m / Total Liabilities 2.17b) |
| Altman-Z'' = -4.67 = D |
As of July 08, 2026, the stock is trading at USD 32.74 with a total of 45,157 shares traded. Over the past week, the price has changed by +0.15%, over one month by +4.27%, over three months by +10.06% and over the past year by +30.88%.
Current recommended Stop Loss: 31.70 (which is 3.2% or 1.2 ATR below the current price).
First Community has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy FCCO.
- StrongBuy: 3
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 34.7 | 5.9% |
P/E Trailing = 12.9137
P/E Forward = 11.6414
P/S = 3.7269
P/B = 1.4164
P/EG = 1.8258
Revenue TTM = 115.0m USD
EBIT TTM = 34.8m USD
EBITDA TTM = 35.9m USD
Long Term Debt = 15.0m USD (from longTermDebt, last quarter)
Short Term Debt = 100.3m USD (from shortTermDebt, last quarter)
Debt = 119.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.56m
Net Debt = 84.5m USD (calculated: Debt 119.9m - CCE 35.4m)
Enterprise Value = 394.0m USD (309.5m + Debt 119.9m - CCE 35.4m)
Interest Coverage Ratio = 0.97 (Ebit TTM 34.8m / Interest Expense TTM 36.0m)
EV/FCF = 44.50x (Enterprise Value 394.0m / FCF TTM 8.85m)
FCF Yield = 2.25% (FCF TTM 8.85m / Enterprise Value 394.0m)
FCF Margin = 7.70% (FCF TTM 8.85m / Revenue TTM 115.0m)
Net Margin = 18.01% (Net Income TTM 20.7m / Revenue TTM 115.0m)
Gross Margin = 68.54% ((Revenue TTM 115.0m - Cost of Revenue TTM 36.2m) / Revenue TTM)
Gross Margin QoQ = 66.75% (prev 70.59%)
Tobins Q-Ratio = 0.16 (Enterprise Value 394.0m / Total Assets 2.39b)
Interest Expense / Debt = 30.03% (Interest Expense 36.0m / Debt 119.9m)
Taxrate = 19.16% (4.91m / 25.6m)
NOPAT = 28.2m (EBIT 34.8m * (1 - 19.16%))
Current Ratio = 0.02 (Total Current Assets 35.4m / Total Current Liabilities 1.86b)
Debt / Equity = 0.54 (Debt 119.9m / totalStockholderEquity, last quarter 220.8m)
Debt / EBITDA = 2.35 (Net Debt 84.5m / EBITDA 35.9m)
Debt / FCF = 9.54 (Net Debt 84.5m / FCF TTM 8.85m)
Total Stockholder Equity = 176.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 20.7m / Total Assets 2.39b)
RoE = 11.74% (Net Income TTM 20.7m / Total Stockholder Equity 176.4m)
RoCE = 18.21% (EBIT 34.8m / Capital Employed (Equity 176.4m + L.T.Debt 15.0m))
RoIC = 1.18% (NOPAT 28.2m / Invested Capital 2.39b)
WACC = 12.39% (E(309.5m)/V(429.4m) * Re(7.78%) + D(119.9m)/V(429.4m) * Rd(30.03%) * (1-Tc(0.19)))
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 9.25%
[DCF] Terminal Value 59.64% ; FCFF base≈9.95m ; Y1≈8.72m ; Y5≈7.05m
[DCF] Fair Price = N/A (negative equity: EV 68.3m - Net Debt 84.5m = -16.2m; debt exceeds intrinsic value)
EPS Correlation: 80.80 | EPS CAGR: 23.14% | SUE: 2.05 | # QB: 1
Revenue Correlation: 97.38 | Revenue CAGR: 21.79% | SUE: 0.51 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.69 | Chg30d=-5.03% | Revisions=-50% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.75 | Chg30d=-2.59% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=2.93 | Chg30d=+0.57% | Revisions=+0% | GrowthEPS=+14.2% | GrowthRev=+26.0%
EPS next Year (2027-12-31): EPS=3.16 | Chg30d=-0.21% | Revisions=+0% | GrowthEPS=+7.7% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: -42% (up=2, down=7)