First Community (FCCO) Stock Price & Analysis

134 Followers

FCCO Stock Chart & Stats

$32.61-$1.06(-3.15%)

At close: Nov 05 4:00 PM EST

Day’s Range: $32.04 - $34.07
52-Week Range: $26.55 - $35.74
Previous Close: $33.67
Volume: N/A
Average Volume (3M): 43.16K
Market Cap: $316.49M
Enterprise Value: $422.52M
Total Cash (Recent Filing): $27.33M
Total Debt (Recent Filing): $116.43M
Price to Earnings (P/E): 11.2
Beta: 0.76
Next Earnings: Jan 20, 2027 (Est.)
EPS Estimate: 0.82
Last Dividend Ex-Date: Nov 03, 2026
Dividend Yield: 2.02%

Bulls Say, Bears Say

Bulls Say

Revenue And Profitability

Revenue has more than doubled from $57.3M in 2021 to $120.4M TTM, while profitability remains healthy for a regional bank. Sustained growth alongside solid margins supports recurring earnings capacity and provides resources to expand the franchise over the next several quarters.

Strategic Expansion And Fee Income

The Signature Bank acquisition expands FCCO into the high-growth Atlanta–Sandy Springs–Roswell market and adds SBA capabilities. Broader geographic reach and government-guaranteed lending can diversify revenue, deepen customer relationships, and support noninterest income beyond traditional spread-based banking.

Credit Quality And Capital

Very low non-performing assets and past-due loans indicate disciplined underwriting while the strengthened leverage ratio provides a healthier capital base. This combination supports continued loan growth, improves resilience against credit losses, and gives management greater flexibility in capital allocation.

Bears Say

Weaker Cash-flow Consistency

FCCO remains cash generative, but the sharp decline in TTM operating cash flow and roughly 22% free-cash-flow contraction show weaker cash momentum. Continued volatility could limit internally funded growth and make earnings conversion less dependable across changing banking conditions.

Margin Compression

Revenue growth has not fully prevented profitability from easing below earlier peak levels. Persistent margin compression could reduce the conversion of expanding loans and deposits into earnings, leaving FCCO more dependent on volume growth and disciplined balance-sheet management.

Material Debt Alongside Asset Growth

Leverage has improved substantially, but FCCO still carries material debt while its asset base grows. If credit costs or funding conditions deteriorate, that debt could reduce financial flexibility, constrain balance-sheet expansion, and place greater pressure on future capital and earnings decisions.

First Community News

First Community Highlights Third-Quarter Growth and Strategic Priorities

The latest announcement is out from First Community ( ($FCCO) ). First Community furnished investor presentation materials highlighting its third-quarter 2026 performance and strategic priorities. The materials reported that the

2d ago8K FCCO

First Community reports Q3 non-GAAP EPS 86c, consensus 80c

Reports Q3 net charge-offs, including overdrafts, of $9,000 and net loan recoveries, excluding overdrafts, of $5,000, and provision for credit losses $193,000. Reports Q3 book value per common share $24.49

2w agoFCCO 87Z

Is FCCO a Buy, Before Earnings?

First Community (FCCO) is scheduled to report 3rd quarter earnings on 10/21/2026, before the market opens. Regarding Q3 estimates, Wall Street analysts expect First Community to post earnings of $0.80

2w agoFCCO 87Z

First Community Plans Leadership Transition with Consulting Role

First Community ( ($FCCO) ) just unveiled an announcement. First Community Corporation previously disclosed that J. Ted Nissen, executive vice president and chief banking officer of the company and president

1M ago8K FCCO

First Community Appoints Telecom Executive to Board of Directors

First Community ( ($FCCO) ) has shared an update. On October 1, 2026, First Community Corporation announced that telecommunications executive Terrance Ford was appointed to the boards of directors of

1M ago8K FCCO

First Community Adds Two New Independent Board Directors

First Community ( ($FCCO) ) has issued an update. Effective October 1, 2026, First Community Corporation and First Community Bank appointed Terrance Ford, Vice President of AT&T South Carolina, and

1M ago8K FCCO

First Community Highlights Growth at Raymond James Bank Conference

First Community ( ($FCCO) ) just unveiled an update. First Community Corporation used the Raymond James 2026 U.S. Bank and Banking on Tech Conference in Chicago on September 9–10, 2026

1M ago8K FCCO

First Community announces planned retirement of specialty lending director

First Community ( ($FCCO) ) has provided an announcement. On August 19, 2026, First Community Corporation and First Community Bank reported that Freddie Deutsch, Director of Specialty Business Lending and

2M ago8K FCCO

First Community Highlights Q2 2026 Growth and Integration Progress

First Community ( ($FCCO) ) has issued an announcement. First Community Corporation used its August 2026 investor presentation to highlight ongoing leadership transitions and the integration of Signature Bank of

2M ago8K FCCO

First Community Presents Strategic Update at KBW Conference

First Community ( ($FCCO) ) just unveiled an update. First Community furnished investor presentation materials for meetings at the KBW Summer Bank Conference in New York scheduled for July 27–29,

3M ago8K FCCO

First Community announces CEO succession and leadership realignment

First Community ( ($FCCO) ) has provided an announcement. On July 22, 2026, First Community Corporation announced that longtime First Community Bank executive J. Ted Nissen will retire as bank

3M ago8K FCCO

First Community reports Q4 EPS 69c ex-items, consensus 68c

Reports Q4 net charge-offs of $52,000; net loan recoveries, excluding overdrafts, $23,000; non-performing assets of 0.02% and past due loans of 0.07% at year-end 2025. Reports Q4 Book value per

9M agoFCCO 87Z

First Community reports Q3 EPS 72c ex-items, consensus 65c

Reports Q3 net charge-offs, including overdrafts, $13,000; excluding overdrafts net loan recoveries were $8,000. Reported EPS excludes the after-tax effect of merger expenses. Published first on TheFly – the ultimate

1y agoFCCO 87Z

First Community reports Q2 EPS 67c, consensus 57c

Reports Q2 Assets under management exceeded $1B for the first time and were a record $1.011B at June 30, 2025, a 9.1 % increase year-to-date. Reports Q2 had net charge-offs,

1y agoFCCO 87Z

FCCO FAQ

What was First Community’s price range in the past 12 months?

First Community lowest stock price was $26.55 and its highest was $35.74 in the past 12 months.

What is First Community’s market cap?

First Community’s market cap is $316.49M.

When is First Community’s upcoming earnings report date?

First Community’s next earnings report is estimated for Jan 20, 2027 (not yet confirmed), which is in 75 days.

How were First Community’s earnings last quarter?

First Community released its earnings results on Oct 21, 2026. The company reported $0.86 earnings per share for the quarter, beating the consensus estimate of $0.803 by $0.057.

Is First Community overvalued?

Not enough analysts have published a price target to calculate whether the price is overvalued.

Does First Community pay dividends?

First Community pays a Quarterly dividend of $0.17 which represents an annual dividend yield of 2.02%. See more information on First Community dividends here

What is First Community’s EPS estimate?

First Community’s EPS estimate is 0.82.

How many shares outstanding does First Community have?

First Community has 9,399,731 shares outstanding.

What happened to First Community’s price movement after its last earnings report?

First Community reported an EPS of $0.86 in its last earnings report, beating expectations of $0.803. Following the earnings report the stock price went up 0.49%.

Which hedge fund is a major shareholder of First Community?

Hedge funds hold First Community shares: the largest hedge-fund position in First Community is 71,884,900 shares, and hedge funds increased their holdings by 262.0K shares last quarter.

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

Learn more about TipRanks Smart Score

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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.

First Community (FCCO) Earnings & Revenues

Historic Earnings Reports

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	7	5	10
Technical Analysis	4	5	1
Moving Averages	3	0	9

Technical Analysis >

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Ownership Overview

9.12% Insiders
13.80% Mutual Funds
4.31% Other Institutional Investors
59.56% Public Companies and Individual Investors

Detailed Ownership Overview >

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FCCO Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Revenue And Profitability

Strategic Expansion And Fee Income

Credit Quality And Capital

Bears Say

Weaker Cash-flow Consistency

Margin Compression

Material Debt Alongside Asset Growth

First Community News

First Community Highlights Third-Quarter Growth and Strategic Priorities

First Community reports Q3 non-GAAP EPS 86c, consensus 80c

Is FCCO a Buy, Before Earnings?

First Community Plans Leadership Transition with Consulting Role

First Community Appoints Telecom Executive to Board of Directors

First Community Adds Two New Independent Board Directors

First Community Highlights Growth at Raymond James Bank Conference

First Community announces planned retirement of specialty lending director

First Community Highlights Q2 2026 Growth and Integration Progress

First Community Presents Strategic Update at KBW Conference

First Community announces CEO succession and leadership realignment

First Community reports Q4 EPS 69c ex-items, consensus 68c

First Community reports Q3 EPS 72c ex-items, consensus 65c

First Community reports Q2 EPS 67c, consensus 57c

FCCO FAQ

First Community Stock Smart Score

Company Description

First Community

First Community (FCCO) Earnings & Revenues

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Popular Stocks

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