87Z Stock Chart & Stats
€20.80
€0.50(2.54%)
At close: 4:00 PM EST
€20.80
€0.50(2.54%)
Day’s Range― - ―
52-Week Range€18.70 - €26.80
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€266.84M
Enterprise Value€321.39M
Total Cash (Recent Filing)€35.44M
Total Debt (Recent Filing)€117.36M
Price to Earnings (P/E)12.5
Beta0.74
Next Earnings
Jul 22, 2026EPS Estimate
0.61Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.59
Shares Outstanding9,397,960
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)1.36
Price to Sales (P/S)2.05
P/FCF Ratio12.94
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.56
Revenue Forecast (FY)€86.90M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained top-line momentum more than doubled revenue over a multi-year period, indicating successful loan and deposit growth and scale gains. Durable revenue expansion improves the bank's ability to absorb fixed costs, supports reinvestment in capabilities, and underpins longer-term earnings resilience.
Net Interest Margin TrendA multi-quarter NIM expansion signals durable improvement in core earning drivers: loan yields and funding optimization. Persistent margin improvement increases net interest income sustainability across business cycles, enhancing core profitability and reducing reliance on one-time fee items for earnings.
Strategic Acquisition & Market EntryThe completed acquisition and systems conversion establish presence in a high-growth Atlanta market and add SBA lending capabilities. This structurally diversifies revenue streams, creates cross-sell and scale opportunities, and strengthens franchise positioning in a larger regional footprint.
Bears Say
Negative Shareholders' EquityNegative trailing equity is a material balance-sheet weakness that can constrain regulatory flexibility, limit capital buffers, and raise the likelihood of needing external capital if losses emerge. It reduces margin for error and can limit strategic options like large organic growth or dividend increases.
Weakened Cash GenerationA pronounced drop in operating and free cash flow undermines the bank's internal funding capacity for loans, buybacks, or capital cushions. Sustained weaker cash conversion heightens reliance on external funding or equity raises, reducing financial flexibility during stress or growth initiatives.
Earnings Sensitivity To Rate/Credit CycleReported margin and net income volatility versus earlier peaks implies earnings depend materially on rate and credit conditions. This structural sensitivity limits predictability of long-term profitability and increases downside risk if lending spreads compress or credit costs reaccelerate.
First Community News
87Z FAQ
What was First Community’s price range in the past 12 months?
First Community lowest stock price was €18.70 and its highest was €26.80 in the past 12 months.
What is First Community’s market cap?
First Community’s market cap is €266.84M.
When is First Community’s upcoming earnings report date?
First Community’s upcoming earnings report date is Jul 22, 2026 which is in 11 days.
How were First Community’s earnings last quarter?
First Community released its earnings results on Apr 22, 2026. The company reported €0.631 earnings per share for the quarter, beating the consensus estimate of €0.554 by €0.076.
Is First Community overvalued?
According to Wall Street analysts First Community’s price is currently Overvalued.
Does First Community pay dividends?
First Community does not currently pay dividends.
What is First Community’s EPS estimate?
First Community’s EPS estimate is 0.61.
How many shares outstanding does First Community have?
First Community has 9,397,960 shares outstanding.
What happened to First Community’s price movement after its last earnings report?
First Community reported an EPS of €0.631 in its last earnings report, beating expectations of €0.554. Following the earnings report the stock price went down -2.502%.
Which hedge fund is a major shareholder of First Community?
Currently, no hedge funds are holding shares in DE:87Z
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Community Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.81%
12-Months-Change
Fundamentals
Return on Equity
11.74%
Trailing 12-Months
Asset Growth
17.27%
Trailing 12-Months
Company Description
First Community
First Community Corporation serves as the parent entity for First Community Bank, which delivers a comprehensive array of commercial and retail banking services. These offerings are designed for individuals, professional practices, and small to medium-sized businesses. The company's operations are organized into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Investment Advisory along with Non-Deposit services. Customers can access diverse deposit products, such as checking, NOW, savings, and individual retirement accounts, in addition to demand deposits, daily money market accounts, and various certificates of deposit. The bank's extensive loan portfolio encompasses commercial financing for working capital, business expansion, and equipment acquisition, available on both secured and unsecured terms. It also provides consumer loans for purposes like vehicle purchases, home improvements, educational expenses, and personal investments. Further loan options include real estate construction and acquisition financing, alongside both fixed and variable rate mortgage products. Beyond its core banking functions, First Community Bank offers a suite of additional services. These include online and internet banking platforms, cash management solutions, safe deposit box rentals, traveler's checks, direct deposit for payroll and social security, and automated draft capabilities. Moreover, the company extends its services to non-deposit investment products, investment brokerage, VISA and MasterCard credit card facilities, professional investment advisory, and insurance solutions. The corporation maintains 21 full-service branches throughout several counties in South Carolina, specifically Lexington, Richland, Newberry, Kershaw, Greenville, Anderson, Pickens, and Aiken. Its presence also spans into Georgia, with offices located in Richmond and Columbia Counties. Incorporated in 1994, First Community Corporation's headquarters are situated in Lexington, South Carolina.
Technical Analysis
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Options Prices
Currently, No data available
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