(FCCO) First Community - Overview
Stock: Checking, Savings, Loans, Mortgages, Advisory
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.45% |
| Yield on Cost 5y | 3.99% |
| Yield CAGR 5y | 6.61% |
| Payout Consistency | 96.6% |
| Payout Ratio | 20.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 27.5% |
| Relative Tail Risk | -21.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.67 |
| Alpha | 5.88 |
| Character TTM | |
|---|---|
| Beta | 0.818 |
| Beta Downside | 0.931 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.54% |
| CAGR/Max DD | 0.71 |
Description: FCCO First Community January 01, 2026
First Community Corporation (NASDAQ: FCCO) is a bank-holding company that operates First Community Bank, delivering commercial and retail banking services to small- and medium-sized enterprises, professionals, and individual customers. Its product suite spans checking, NOW, savings, IRAs, demand deposits, money-market accounts, and CDs, while its loan portfolio includes working-capital and equipment financing, consumer auto and home-improvement loans, real-estate construction and acquisition loans, and both fixed- and variable-rate mortgages. The firm also offers online banking, cash-management tools, safe-deposit boxes, payroll and Social Security direct deposits, credit cards, and investment-advisory and insurance services.
As of Q2 2024, FCCO reported a net interest margin of approximately 4.2% and a loan-to-deposit ratio of 78%, reflecting modest loan growth of about 5% year-over-year and deposit growth near 3% YoY-both slightly above the regional-bank average, suggesting resilient funding despite a tightening monetary environment.
Key economic drivers for FCCO include the Federal Reserve’s policy stance (higher rates generally boost net interest margin but can pressure loan demand), the health of the Southeast U.S. economy where the bank is concentrated, and regional credit-quality trends; a rise in non-performing loans in the broader regional-bank sector could pose a downside risk to earnings.
For a deeper, data-rich view of FCCO’s valuation and risk profile, consider exploring the analytics available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 19.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.58 > 1.0 |
| NWC/Revenue: -1662 % < 20% (prev -1647 %; Δ -15.14% < -1%) |
| CFO/TA 0.01 > 3% & CFO 11.6m > Net Income 19.2m |
| Net Debt (-24.6m) to EBITDA (35.1m): -0.70 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.79m) vs 12m ago 0.63% < -2% |
| Gross Margin: 68.10% > 18% (prev 0.61%; Δ 6748 % > 0.5%) |
| Asset Turnover: 5.72% > 50% (prev 5.03%; Δ 0.69% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBITDA TTM 35.1m / Interest Expense TTM 35.0m) |
Altman Z'' -4.50
| A: -0.96 (Total Current Assets 24.6m - Total Current Liabilities 1.87b) / Total Assets 1.93b |
| B: 0.04 (Retained Earnings 76.7m / Total Assets 1.93b) |
| C: 0.02 (EBIT TTM 34.1m / Avg Total Assets 1.94b) |
| D: 1.47 (Book Value of Equity 2.03b / Total Liabilities 1.39b) |
| Altman-Z'' Score: -4.50 = D |
What is the price of FCCO shares?
Over the past week, the price has changed by +5.18%, over one month by +4.01%, over three months by +15.51% and over the past year by +19.81%.
Is FCCO a buy, sell or hold?
- StrongBuy: 3
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FCCO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.7 | 9.2% |
| Analysts Target Price | 33.7 | 9.2% |
| ValueRay Target Price | 35.1 | 13.9% |
FCCO Fundamental Data Overview January 31, 2026
P/E Forward = 11.6414
P/S = 3.4798
P/B = 1.6801
Revenue TTM = 111.1m USD
EBIT TTM = 34.1m USD
EBITDA TTM = 35.1m USD
Long Term Debt = 15.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 99.6m USD (from shortTermDebt, two quarters ago)
Debt = 117.0m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -24.6m USD (from netDebt column, last quarter)
Enterprise Value = 363.9m USD (271.5m + Debt 117.0m - CCE 24.6m)
Interest Coverage Ratio = 0.97 (Ebit TTM 34.1m / Interest Expense TTM 35.0m)
EV/FCF = 33.94x (Enterprise Value 363.9m / FCF TTM 10.7m)
FCF Yield = 2.95% (FCF TTM 10.7m / Enterprise Value 363.9m)
FCF Margin = 9.65% (FCF TTM 10.7m / Revenue TTM 111.1m)
Net Margin = 17.29% (Net Income TTM 19.2m / Revenue TTM 111.1m)
Gross Margin = 68.10% ((Revenue TTM 111.1m - Cost of Revenue TTM 35.4m) / Revenue TTM)
Gross Margin QoQ = 70.59% (prev 67.17%)
Tobins Q-Ratio = 0.19 (Enterprise Value 363.9m / Total Assets 1.93b)
Interest Expense / Debt = 7.33% (Interest Expense 8.58m / Debt 117.0m)
Taxrate = 24.60% (1.58m / 6.41m)
NOPAT = 25.7m (EBIT 34.1m * (1 - 24.60%))
Current Ratio = 0.01 (Total Current Assets 24.6m / Total Current Liabilities 1.87b)
Debt / Equity = 0.06 (Debt 117.0m / totalStockholderEquity, last quarter 2.03b)
Debt / EBITDA = -0.70 (Net Debt -24.6m / EBITDA 35.1m)
Debt / FCF = -2.29 (Net Debt -24.6m / FCF TTM 10.7m)
Total Stockholder Equity = 625.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 19.2m / Total Assets 1.93b)
RoE = 3.07% (Net Income TTM 19.2m / Total Stockholder Equity 625.5m)
RoCE = 5.32% (EBIT 34.1m / Capital Employed (Equity 625.5m + L.T.Debt 15.0m))
RoIC = 15.05% (NOPAT 25.7m / Invested Capital 170.7m)
WACC = 7.91% (E(271.5m)/V(388.5m) * Re(8.93%) + D(117.0m)/V(388.5m) * Rd(7.33%) * (1-Tc(0.25)))
Discount Rate = 8.93% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.83%
[DCF Debug] Terminal Value 72.41% ; FCFF base≈15.3m ; Y1≈10.9m ; Y5≈5.84m
Fair Price DCF = 14.75 (EV 113.3m - Net Debt -24.6m = Equity 137.8m / Shares 9.34m; r=7.91% [WACC]; 5y FCF grow -33.98% → 2.90% )
EPS Correlation: 48.11 | EPS CAGR: 10.11% | SUE: -0.60 | # QB: 0
Revenue Correlation: 96.39 | Revenue CAGR: 23.08% | SUE: 1.39 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.65 | Chg30d=+0.030 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=3.00 | Chg30d=+0.093 | Revisions Net=+0 | Growth EPS=+16.8% | Growth Revenue=+28.6%
EPS next Year (2027-12-31): EPS=3.13 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+4.3% | Growth Revenue=+6.2%