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First Community (FCCO) AI Stock Analysis
First Community
(NASDAQ:FCCO)
FCCO scores in the middle of the range. The main drag is financial performance: while revenue growth and deleveraging are genuine strengths, margin compression and a sharp deterioration in operating cash flow are meaningful risks. Technicals are currently soft, with the stock trading below its short-term moving averages on negative MACD, though it holds above its 200-day average. Offsetting these are an attractive valuation at under 12x earnings with a 2.0% dividend yield, and a steady stream of positive corporate developments — strong Q2 2026 earnings growth, nine straight quarters of margin expansion, excellent credit quality, and the accretive Signature Bank of Georgia acquisition expanding the franchise into Atlanta.
First Community Key Performance Indicators (KPIs)
Net Interest Income By SegmentShows how much income is generated from interest after accounting for expenses, segmented by business area. This highlights which segments are most profitable and can indicate where the company might focus future growth efforts.
First Community’s NII shows clear upward momentum: Commercial & Retail and Corporate lines have risen consistently and Mortgage Banking has become a steadily larger contributor, signaling rate and volume tailwinds. However, the growing negative Eliminations item is materially offsetting consolidated gains, so reported NII overstates incremental earning power at the subsidiary level. The first appearance of government‑guaranteed lending this quarter changes portfolio mix and could compress margins or alter credit dynamics—watch management’s commentary on sustainability and the persistence of eliminations.
The FlyFirst Community (FCCO) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $310.00M
- Dividend Yield
- 1.97%
- Average Volume (3M)
- 52.97K
- Price to Earnings (P/E)
- 11.4
- Beta (1Y)
- 0.73
- Revenue Growth
- 18.81%
- EPS Growth
- 19.11%
- Country
- US
- Employees
- 275
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
First Community Business Overview & Revenue Model
Company Description
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 mediu...
How the Company Makes Money
FCCO primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is earned from the spread between interest collected on interest-earning assets (such as commercial real e...
First Community Financial Statement Overview
Summary
Revenue has more than doubled since 2021 to $120.4M TTM and the balance sheet has strengthened materially, with debt-to-equity falling from 1.34x to 0.53x and equity building to $228M (ROE ~12.2%). However, net margins have compressed from ~27% to ~19% as funding and operating costs rose, and cash generation is the clear weak spot — operating cash flow fell from $57.9M in 2021 to just $7.9M TTM, covering only ~8% of total debt. Segment KPIs show encouraging diversification into mortgage banking and investment advisory, but growing inter-segment eliminations and a recent government-guaranteed lending boost may overstate durable momentum.
Income Statement
58NeutralBalance Sheet
62PositiveCash Flow
38Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 128.65M | 111.06M | 98.53M | 78.33M | 58.37M | 57.25M |
| Gross Profit | 90.44M | 75.63M | 60.34M | 53.40M | 55.34M | 54.68M |
| EBITDA | 43.63M | 35.95M | 19.63M | 16.96M | 20.23M | 21.56M |
| Net Income | 25.97M | 19.20M | 13.96M | 11.84M | 14.61M | 15.46M |
Balance Sheet | ||||||
| Total Assets | 2.36B | 2.06B | 1.96B | 1.83B | 1.67B | 1.58B |
| Cash, Cash Equivalents and Short-Term Investments | 27.33M | 179.00M | 157.60M | 376.92M | 369.26M | 633.86M |
| Total Debt | 116.43M | 124.53M | 120.72M | 171.25M | 158.54M | 72.13M |
| Total Liabilities | 2.16B | 1.89B | 1.81B | 1.70B | 1.55B | 1.44B |
| Stockholders Equity | 207.25M | 167.56M | 144.49M | 131.06M | 118.36M | 141.00M |
Cash Flow | ||||||
| Free Cash Flow | -2.14M | 17.58M | 9.77M | 11.15M | 20.90M | 57.12M |
| Operating Cash Flow | -1.24M | 18.69M | 10.87M | 12.23M | 22.13M | 57.93M |
| Investing Cash Flow | -48.64M | -80.81M | -67.63M | -89.67M | -162.78M | -236.28M |
| Financing Cash Flow | 18.47M | 73.36M | 111.89M | 134.74M | 109.03M | 182.38M |
First Community Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCCO, the sentiment is Positive. The current price of 33.66 is above the 20-day moving average (MA) of 32.67, above the 50-day MA of 33.12, and above the 200-day MA of 31.25, indicating a neutral trend. The MACD of 0.05 indicates Negative momentum. The RSI at 51.55 is Neutral, neither overbought nor oversold. The STOCH value of 67.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCCO.
First Community Risk Analysis
First Community disclosed 53 risk factors in its most recent earnings report. First Community reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksFirst Community Peers Comparison
Overall Rating
VABK86Outperform
CFFI82Outperform
CBNA80Outperform
BPRN74Outperform- FCCO59Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| VABK | 86Outperform | $279.46M | 10.43 | 14.18% | 2.80% | 7.74% | 49.05% |
| CFFI | 82Outperform | $356.65M | 11.76 | 11.28% | 1.73% | 8.41% | 15.32% |
| CBNA | 80Outperform | $332.21M | 10.12 | 18.26% | ― | 37.64% | ― |
| BPRN | 74Outperform | $292.90M | 14.28 | 7.46% | 3.26% | -3.50% | 15.90% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FCCO | 59Neutral | $310.00M | 11.37 | 12.61% | 1.97% | 18.81% | 19.11% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FCCO | First Community | 32.98 | 6.82 | 26.08% | |
| CFFI | C&f Financial | 109.70 | 42.95 | 64.36% | |
| BPRN | Bank of Princeton | 42.99 | 11.99 | 38.68% | |
| VABK | Virginia National Bankshares Corporation | 51.51 | 13.36 | 35.03% | |
| CBNA | Chain Bridge Bancorp, Inc. Class A | 50.59 | 20.86 | 70.16% |
First Community Corporate Events
First Community Appoints Telecom Executive to Board of Directors
PositiveOn October 1, 2026, First Community Corporation announced that telecommunications executive Terrance Ford was appointed to the boards of directors of both the company and First Community Bank, effective the same day. The move brings to the board Ford...
First Community Adds Two New Independent Board Directors
PositiveEffective October 1, 2026, First Community Corporation and First Community Bank appointed Terrance Ford, Vice President of AT&T South Carolina, and Shell K. Berry, President and CEO of the Community Foundation for the Central Savannah River Area,...
First Community Highlights Growth at Raymond James Bank Conference
PositiveFirst Community Corporation used the Raymond James 2026 U.S. Bank and Banking on Tech Conference in Chicago on September 9–10, 2026 to present its recent financial and strategic developments to investors. The materials highlighted the January 8...
First Community announces planned retirement of specialty lending director
NeutralOn August 19, 2026, First Community Corporation and First Community Bank reported that Freddie Deutsch, Director of Specialty Business Lending and a board member of both entities, plans to retire effective January 15, 2027. Deutsch joined in connecti...
First Community Highlights Q2 2026 Growth and Integration Progress
PositiveFirst Community Corporation used its August 2026 investor presentation to highlight ongoing leadership transitions and the integration of Signature Bank of Georgia, following a series of acquisitions that have built its position as a leading communit...
First Community Presents Strategic Update at KBW Conference
PositiveFirst Community furnished investor presentation materials for meetings at the KBW Summer Bank Conference in New York scheduled for July 27–29, 2026, highlighting leadership changes, recent acquisition activity and balance sheet trends. The mate...
First Community announces CEO succession and leadership realignment
PositiveOn July 22, 2026, First Community Corporation announced that longtime First Community Bank executive J. Ted Nissen will retire as bank CEO and president and as a director of both the bank and holding company on December 31, 2026, after more than thre...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 01, 2026