(FCCO) First Community - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US3198351047

Checking, Savings, Loans, Mortgages, Advisory

Regional Banks
Market Cap in USD: 275m

IPO / Inception: 1998-07-07
12m vs SPY: 7.30%

EPS (Earnings per Share)

EPS CAGR: 9.22%
EPS Trend: 32.6%

Last SUE: 0.73
Qual. Beats: 0

Revenue

Rev. CAGR: 26.00%
Rev. Trend: 96.9%

Last SUE: 0.35
Qual. Beats: 0

Dividends

Dividend Yield	2.45%
Yield on Cost 5y	4.08%
Yield CAGR 5y	6.61%
Payout Consistency	96.6%
Payout Ratio	25.1%

Risk via 5d forecast
Volatility	26.9%
Value at Risk 5%th	34.2%
Relative Tail Risk	-22.75%

Reward TTM
Sharpe Ratio	1.01
Alpha	18.00
CAGR/Max DD	0.55

Character TTM
Hurst Exponent	0.572
Beta	0.844
Beta Downside	0.932

Drawdowns 3y
Max DD	26.54%
Mean DD	10.94%
Median DD	9.79%

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 (18.6m TTM) > 0 and > 6% of Revenue (6% = 6.43m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.63pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1546 % (prev -1339 %; Δ -207.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 11.6m <= Net Income 18.6m (YES >=105%, WARN >=100%)

Net Debt (-76.6m) to EBITDA (34.1m) ratio: -2.24 <= 3.0 (WARN <= 3.5)

Current Ratio 0.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (7.79m) change vs 12m ago 0.83% (target <= -2.0% for YES)

Gross Margin 66.13% (prev 60.66%; Δ 5.47pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.35% (prev 4.89%; Δ 0.45pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.92 (EBITDA TTM 34.1m / Interest Expense TTM 35.7m) >= 6 (WARN >= 3)

Altman Z'' -5.00

(A) -0.80 = (Total Current Assets 213.1m - Total Current Liabilities 1.87b) / Total Assets 2.07b

(B) 0.04 = Retained Earnings (Balance) 76.7m / Total Assets 2.07b

(D) 0.03 = Book Value of Equity 64.2m / Total Liabilities 1.91b

Total Rating: -5.00 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.29

1. Piotroski 4.0pt

2. FCF Yield 5.98%

3. FCF Margin 10.00%

4. Debt/Equity 0.72

5. Debt/Ebitda -2.24

6. ROIC - WACC (= 7.31)%

7. RoE 12.17%

8. Rev. Trend 96.93%

9. EPS Trend 32.63%

What is the price of FCCO shares?

As of January 16, 2026, the stock is trading at USD 29.50 with a total of 167,808 shares traded.
Over the past week, the price has changed by -1.47%, over one month by -5.23%, over three months by +4.97% and over the past year by +26.77%.

Is FCCO a buy, sell or hold?

First Community has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy FCCO.

Strong Buy: 3
Buy: 0
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the FCCO price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	32.7	10.7%
Analysts Target Price	32.7	10.7%
ValueRay Target Price	33.3	12.9%

FCCO Fundamental Data Overview January 14, 2026

P/E Trailing = 12.2792
P/E Forward = 11.6414
P/S = 3.6708
P/B = 1.7084
Revenue TTM = 107.2m USD
EBIT TTM = 32.7m USD
EBITDA TTM = 34.1m USD
Long Term Debt = 15.0m USD (from longTermDebt, last quarter)
Short Term Debt = 99.6m USD (from shortTermDebt, last quarter)
Debt = 117.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -76.6m USD (from netDebt column, last quarter)
Enterprise Value = 179.2m USD (275.3m + Debt 117.0m - CCE 213.1m)
Interest Coverage Ratio = 0.92 (Ebit TTM 32.7m / Interest Expense TTM 35.7m)
EV/FCF = 16.72x (Enterprise Value 179.2m / FCF TTM 10.7m)
FCF Yield = 5.98% (FCF TTM 10.7m / Enterprise Value 179.2m)
FCF Margin = 10.00% (FCF TTM 10.7m / Revenue TTM 107.2m)
Net Margin = 17.36% (Net Income TTM 18.6m / Revenue TTM 107.2m)
Gross Margin = 66.13% ((Revenue TTM 107.2m - Cost of Revenue TTM 36.3m) / Revenue TTM)
Gross Margin QoQ = 67.17% (prev 69.65%)
Tobins Q-Ratio = 0.09 (Enterprise Value 179.2m / Total Assets 2.07b)
Interest Expense / Debt = 7.61% (Interest Expense 8.91m / Debt 117.0m)
Taxrate = 21.19% (1.40m / 6.59m)
NOPAT = 25.8m (EBIT 32.7m * (1 - 21.19%))
Current Ratio = 0.11 (Total Current Assets 213.1m / Total Current Liabilities 1.87b)
Debt / Equity = 0.72 (Debt 117.0m / totalStockholderEquity, last quarter 161.6m)
Debt / EBITDA = -2.24 (Net Debt -76.6m / EBITDA 34.1m)
Debt / FCF = -7.14 (Net Debt -76.6m / FCF TTM 10.7m)
Total Stockholder Equity = 152.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 18.6m / Total Assets 2.07b)
RoE = 12.17% (Net Income TTM 18.6m / Total Stockholder Equity 152.9m)
RoCE = 19.48% (EBIT 32.7m / Capital Employed (Equity 152.9m + L.T.Debt 15.0m))
RoIC = 15.43% (NOPAT 25.8m / Invested Capital 167.0m)
WACC = 8.13% (E(275.3m)/V(392.3m) * Re(9.03%) + D(117.0m)/V(392.3m) * Rd(7.61%) * (1-Tc(0.21)))
Discount Rate = 9.03% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.83%
[DCF Debug] Terminal Value 71.44% ; FCFF base≈15.3m ; Y1≈10.9m ; Y5≈5.84m
Fair Price DCF = 19.85 (EV 108.9m - Net Debt -76.6m = Equity 185.5m / Shares 9.34m; r=8.13% [WACC]; 5y FCF grow -33.98% → 2.90% )
[DCF Warning] FCF declining rapidly (-33.98%), DCF may be unreliable
EPS Correlation: 32.63 | EPS CAGR: 9.22% | SUE: 0.73 | # QB: 0
Revenue Correlation: 96.93 | Revenue CAGR: 26.00% | SUE: 0.35 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.62 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=3
EPS next Year (2026-12-31): EPS=2.91 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+12.4% | Growth Revenue=+28.9%

Additional Sources for FCCO Stock

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