First Community (FCCO) AI Stock Analysis

• Market Cap: $205.89M
• Dividend Yield: 2.19%
• Average Volume (3M): 32.88K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.83
• Revenue Growth: 11.59%
• EPS Growth: 42.03%
• Country: US
• Employees: 260
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.67
• Shares Outstanding: 7,679,605
• 10 Day Avg. Volume: 36,329
• 30 Day Avg. Volume: 32,879
• PEG Ratio: 0.76
• Price to Book (P/B): 1.27
• Price to Sales (P/S): 1.86
• P/FCF Ratio: 18.70
• Enterprise Value/Market Cap: 1.62
• Enterprise Value/Revenue: 3.18
• Enterprise Value/Gross Profit: 4.91
• Enterprise Value/Ebitda: 10.27
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: $29.00 ▲(7.21% Upside)

First Community's overall stock score reflects solid financial performance with consistent revenue growth and profitability. However, technical indicators suggest bearish momentum, which could pose short-term challenges. The stock's reasonable valuation and attractive dividend yield provide a cushion, making it appealing for long-term investors.

First Community Business Overview & Revenue Model

Company Description

First Community (FCCO) is a financial services company that focuses on providing a range of banking solutions, including personal and commercial loans, deposit accounts, and wealth management services. With a commitment to serving local communities, FCCO operates primarily in the banking sector, catering to both individual customers and small to mid-sized businesses. The company emphasizes personalized service and community involvement, aiming to foster strong relationships with its clients while promoting economic growth in the areas it serves.

How the Company Makes Money

First Community generates revenue through several key streams. Primarily, the company earns interest income from loans issued to customers, including mortgages, personal loans, and business financing. Additionally, FCCO benefits from service fees associated with account maintenance, overdrafts, and various transaction fees. The bank also generates income from investment products and wealth management services offered to clients. Significant partnerships with local businesses and community organizations enhance FCCO's visibility and customer base, contributing to its overall earnings. Moreover, the company's focus on community engagement helps build trust and loyalty, fostering long-term relationships that lead to sustained revenue growth.

First Community Financial Statement Overview

Summary

First Community demonstrates solid financial health with consistent revenue growth and strong profitability margins. The balance sheet shows increased leverage, which could be a risk factor. Cash flow metrics indicate recovery, but the low operating cash flow coverage ratio suggests potential liquidity concerns. Overall, the company is on a positive trajectory but should monitor debt levels and cash conversion closely.

Income Statement

First Community has shown consistent revenue growth with a TTM revenue growth rate of 3.99%. The gross profit margin remains strong at 64.82%, indicating efficient cost management. Net profit margin improved to 16.46% in the TTM, reflecting enhanced profitability. However, the EBIT and EBITDA margins, while healthy, show room for improvement compared to historical highs.

Balance Sheet

The debt-to-equity ratio has increased to 0.98 in the TTM, indicating a higher reliance on debt financing, which could pose risks if interest rates rise. Return on equity improved to 11.65%, showcasing effective use of equity to generate profits. The equity ratio remains stable, suggesting a balanced asset structure.

Cash Flow

Free cash flow growth has rebounded to 1.55% in the TTM, indicating recovery from previous declines. The operating cash flow to net income ratio is low, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio is strong at 91.93%, indicating good cash generation relative to profits.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	104.98M	98.53M	78.33M	58.37M	57.25M	53.77M
Gross Profit	68.05M	60.34M	53.40M	55.34M	54.68M	46.36M
EBITDA	32.54M	19.63M	16.96M	20.23M	21.56M	14.60M
Net Income	17.28M	13.96M	11.84M	14.61M	15.46M	10.10M
Balance Sheet
Total Assets	2.05B	1.96B	1.83B	1.67B	1.58B	1.40B
Cash, Cash Equivalents and Short-Term Investments	24.87M	157.60M	376.92M	369.26M	633.86M	424.86M
Total Debt	121.11M	120.72M	171.25M	158.54M	72.13M	58.99M
Total Liabilities	1.89B	1.81B	1.70B	1.55B	1.44B	1.26B
Stockholders Equity	155.50M	144.49M	131.06M	118.36M	141.00M	136.34M
Cash Flow
Free Cash Flow	11.77M	9.77M	11.15M	20.90M	57.12M	-18.13M
Operating Cash Flow	12.66M	10.87M	12.23M	22.13M	57.93M	-17.05M
Investing Cash Flow	-81.19M	-67.63M	-89.67M	-162.78M	-236.28M	-171.52M
Financing Cash Flow	140.49M	111.89M	134.74M	109.03M	182.38M	205.87M

First Community Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 27.05
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCCO, the sentiment is Negative. The current price of 27.05 is below the 20-day moving average (MA) of 27.31, below the 50-day MA of 27.69, and above the 200-day MA of 24.83, indicating a neutral trend. The MACD of -0.17 indicates Positive momentum. The RSI at 43.97 is Neutral, neither overbought nor oversold. The STOCH value of 36.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FCCO.

First Community Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CFFI	―	$221.53M	8.46	10.88%	2.66%	8.53%	42.73%
VABK	―	$216.97M	12.21	10.41%	3.43%	1.11%	14.44%
CBNA	―	$193.11M	10.38	13.91%	―	―	―
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSFG	―	$206.53M	8.92	12.50%	2.13%	7.69%	69.41%
FCCO	―	$205.89M	11.18	30.22%	2.19%	11.59%	42.03%
BPRN	―	$210.27M	32.46	6.73%	3.85%	12.92%	56.52%

First Community Corporate Events

First Community Corporation Reports Strong Q3 Earnings

First Community Corporation, a holding company for First Community Bank, operates as a full-service commercial bank offering a range of financial services including deposit and loan products, residential mortgage lending, and investment advisory services across South Carolina and parts of Georgia.