First Community (FCCO) Stock Overview

Operates as the bank holding company for First Community Bank that provides various commercial and retail banking products and services to small-to-medium sized businesses, professionals, and individuals. More details

FCCO fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	2/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 16.4% below our estimate of its fair value

Earnings are forecast to grow 19.06% per year

Earnings grew by 33.8% over the past year

Pays a reliable dividend of 1.99%

Risk Analysis

Significant insider selling over the past 3 months

Shareholders have been diluted in the past year

FCCO Community Fair Values

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First Community Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Community
Historical stock prices
Current Share Price	US$34.16
52 Week High	US$35.74
52 Week Low	US$25.92
Beta	0.34
1 Month Change	-0.55%
3 Month Change	9.31%
1 Year Change	21.22%
3 Year Change	95.65%
5 Year Change	81.22%
Change since IPO	198.90%

Recent updates

Analysis Article • Jan 25

First Community (NASDAQ:FCCO) Will Pay A Dividend Of $0.15

First Community Corporation's ( NASDAQ:FCCO ) investors are due to receive a payment of $0.15 per share on 18th of...

Analysis Article • Oct 19

First Community (NASDAQ:FCCO) Will Pay A Dividend Of $0.15

The board of First Community Corporation ( NASDAQ:FCCO ) has announced that it will pay a dividend of $0.15 per share...

Analysis Article • Jul 22

First Community's (NASDAQ:FCCO) Dividend Will Be Increased To $0.15

The board of First Community Corporation ( NASDAQ:FCCO ) has announced that it will be paying its dividend of $0.15 on...

Analysis Article • Apr 20

First Community (NASDAQ:FCCO) Will Pay A Dividend Of $0.14

First Community Corporation ( NASDAQ:FCCO ) will pay a dividend of $0.14 on the 14th of May. This means that the annual...

Shareholder Returns

	FCCO	US Banks	US Market
7D	0.6%	-2.3%	-1.5%
1Y	21.2%	16.0%	13.3%

Return vs Industry: FCCO exceeded the US Banks industry which returned 16% over the past year.

Return vs Market: FCCO exceeded the US Market which returned 13.3% over the past year.

Price Volatility

Is FCCO's price volatile compared to industry and market?
FCCO volatility
FCCO Average Weekly Movement	2.8%
Banks Industry Average Movement	3.1%
Market Average Movement	6.9%
10% most volatile stocks in US Market	15.3%
10% least volatile stocks in US Market	2.9%

Stable Share Price: FCCO has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FCCO's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1994	298	Mike Crapps	www.firstcommunitysc.com

First Community Corporation operates as the bank holding company for First Community Bank that provides various commercial and retail banking products and services to small-to-medium sized businesses, professionals, and individuals. It operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. The company’s deposit products include checking, NOW, savings, and individual retirement accounts; and demand deposits, as well as other time deposits, such as daily money market accounts and longer-term certificates of deposit.

First Community Corporation Fundamentals Summary

How do First Community's earnings and revenue compare to its market cap?
FCCO fundamental statistics
Market cap	US$321.75m
Earnings (TTM)	US$23.12m
Revenue (TTM)	US$88.28m

13.9x

P/E Ratio

1.4x

P/B Ratio

Is FCCO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCCO income statement (TTM)
Revenue	US$88.28m
Cost of Revenue	US$0
Gross Profit	US$88.28m
Other Expenses	US$65.17m
Earnings	US$23.12m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

Oct 21, 2026

Earnings per share (EPS)	2.46
Gross Margin	100.00%
Net Profit Margin	26.18%
Debt/Equity Ratio	48.9%

How did FCCO perform over the long term?

See historical performance and comparison

Dividends

2.0%

Current Dividend Yield

24%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/09/15 22:51
End of Day Share Price	2026/09/15 00:00
Earnings	2026/06/30
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Community Corporation is covered by 5 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
David Bishop	Hovde Group, LLC
Casey Orr Whitman	Piper Sandler Companies
Michael Rose	Raymond James & Associates

First Community (FCCO) Stock Overview

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First Community Corporation Competitors

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Price History & Performance

Recent News & Updates

Insider recently sold US$504k worth of stock

Board Member recently sold US$303k worth of stock

First Community Corporation and First Community Bank Announce Retirement of Freddie Deutsch from Director of Specialty Business Lending and Board, Effective January 15, 2027

Board Member recently sold US$345k worth of stock

Price target increased by 7.7% to US$37.33

Second quarter dividend increased to US$0.17

Recent updates

Insider recently sold US$504k worth of stock

Board Member recently sold US$303k worth of stock

First Community Corporation and First Community Bank Announce Retirement of Freddie Deutsch from Director of Specialty Business Lending and Board, Effective January 15, 2027

Board Member recently sold US$345k worth of stock

Price target increased by 7.7% to US$37.33

Second quarter dividend increased to US$0.17

First Community Corporation Reports Net Charge Offs for the Second Quarter Ended June 30, 2026

Second quarter 2026 earnings: EPS and revenues exceed analyst expectations

First Community Corporation(NasdaqCM:FCCO) dropped from Russell Microcap Growth Benchmark Index

First Community Corporation (NasdaqCM:FCCO) announces an Equity Buyback for $7.5 million worth of its shares.

First quarter dividend of US$0.16 announced

First quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behind

First Community Corporation Announces Cash Dividend for the First Quarter Ended March 31, 2026, Payable on May 19, 2026

Full year 2025 earnings: EPS misses analyst expectations

CEO, President & Director exercised options and sold US$56k worth of stock

Price target increased by 7.1% to US$35.00

Price target increased by 8.2% to US$35.33

Fourth quarter dividend of US$0.16 announced

Full year 2025 earnings: EPS misses analyst expectations

First Community Corporation Approves Cash Dividend for the Fourth Quarter of 2025, Payable on February 24, 2026

First Community Corporation (NasdaqCM:FCCO) completed the acquisition of Signature Bank of Georgia (OTCPK:SGBG) from AllianceBernstein Financial Services Opportunities Master Fund, L.P., managed by AllianceBernstein L.P. and others.

First Community Corporation and First Community Bank Announces Board Appointments, Effective January 8, 2026

First Community Corporation to Report Q2, 2026 Results on Jul 22, 2026

Now 20% undervalued

Price target increased by 7.7% to US$32.67

Third quarter dividend of US$0.16 announced

First Community Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025

Third quarter 2025 earnings: EPS and revenues exceed analyst expectations

First Community Corporation Approves A Cash Dividend for the Third Quarter of 2025 on Common Stock, Payable November 18, 2025

Second quarter dividend increased to US$0.16

Second quarter 2025 earnings: EPS and revenues exceed analyst expectations

First Community Corporation Announces Quarterly Dividend, Payable on August 19, 2025

First Community Corporation (NasdaqCM:FCCO) signed a definitive merger agreement to acquire Signature Bank of Georgia (OTCPK:SGBG) $41.2 million.

First Community Corporation (NasdaqCM:FCCO) announces an Equity Buyback for $7.5 million worth of its shares.

Miners and Merchants Bancorp, Inc. signed a definitive merger agreement to acquire First Community Corporation (NasdaqCM:FCCO).

First quarter dividend of US$0.15 announced

First Community Corporation announces Quarterly dividend, payable on May 20, 2025

First quarter 2025 earnings: EPS and revenues exceed analyst expectations

First Community Corporation, Annual General Meeting, May 21, 2025

Full year 2024 earnings: EPS exceeds analyst expectations

Price target increased by 11% to US$29.67

First Community (NASDAQ:FCCO) Will Pay A Dividend Of $0.15

Fourth quarter dividend of US$0.15 announced

Full year 2024 earnings: EPS exceeds analyst expectations

First Community Corporation Declares Cash Dividend for the Fourth Quarter of 2024, Payable on February 18, 2025

First Community Corporation Announces Executive Changes

First Community Corporation to Report Q4, 2024 Results on Jan 22, 2025

First Community (NASDAQ:FCCO) Will Pay A Dividend Of $0.15

First Community Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

First Community Corporation Approves Cash Dividend for the Third Quarter Ended September 30, 2024, Payable on November 12, 2024

Consensus EPS estimates increase by 11%

First Community's (NASDAQ:FCCO) Dividend Will Be Increased To $0.15

Second quarter dividend increased to US$0.15

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

First Community Corporation Approves Cash Dividend for the Second Quarter of 2024, Payable on August 13, 2024

Investor sentiment improves as stock rises 20%

First Community Corporation(NasdaqCM:FCCO) dropped from Russell Small Cap Comp Value Index

First Community Corporation (NasdaqCM:FCCO) announces an Equity Buyback for $7.1 million worth of its shares.

First quarter 2024 earnings: EPS in line with analyst expectations despite revenue beat

Upcoming dividend of US$0.14 per share

Price target decreased by 7.1% to US$19.50