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First Community
(NASDAQ:FCCO)
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Rating:72Outperform
Price Target:
$38.00
â–²(11.70% Upside)
Action:Reiterated
Date:09/16/26
FCCO scores well primarily on solid financial performance (profitability, improving leverage, and steady ROE) tempered by volatile and recently weaker cash-flow momentum. Technicals support a constructive trend with neutral momentum, valuation looks reasonable (P/E ~12.6 with a ~1.9% yield), and recent corporate events are broadly positive around governance continuity and acquisition integration.
Positive Factors
Revenue and profitability growth
FCCO has expanded revenue from $57.3 million in 2021 to $120.4 million TTM while retaining healthy profitability. This combination indicates meaningful operating scale and supports continued investment in growth, technology, and market expansion over the next several quarters.
Negative Factors
Volatile cash generation
Although FCCO remains cash generative and TTM free cash flow is about 87% of net income, operating cash flow has been inconsistent and recently weakened. Persistently softer cash conversion could reduce flexibility for organic investment, acquisitions, or shareholder distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profitability growth
FCCO has expanded revenue from $57.3 million in 2021 to $120.4 million TTM while retaining healthy profitability. This combination indicates meaningful operating scale and supports continued investment in growth, technology, and market expansion over the next several quarters.
Read all positive factors
First Community Key Performance Indicators (KPIs)
Any
Net Interest Income By Segment
Shows 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.
Shows 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.
Data provided by:
The Fly
The FlyFirst Community (FCCO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$321.09M
Dividend Yield1.93%
Average Volume (3M)43.29K
Price to Earnings (P/E)12.4
Beta (1Y)0.78
Revenue Growth15.68%
EPS Growth20.07%
CountryUS
Employees298
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.72
Shares Outstanding9,399,731
10 Day Avg. Volume42,244
30 Day Avg. Volume43,292
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.14
Revenue Forecast (FY)$99.46M
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 me...
How the Company Makes Money
FCCO primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest collected on loans and other interest-earning assets (such as securi...
First Community Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 120.40M | 111.06M | 98.53M | 78.33M | 58.37M | 57.25M |
| Gross Profit | 83.04M | 75.63M | 60.34M | 53.40M | 55.34M | 54.68M |
| EBITDA | 30.09M | 35.09M | 19.63M | 16.96M | 20.23M | 21.56M |
| Net Income | 23.11M | 19.20M | 13.96M | 11.84M | 14.61M | 15.46M |
Balance Sheet | ||||||
| Total Assets | 2.37B | 2.06B | 1.96B | 1.83B | 1.67B | 1.58B |
| Cash, Cash Equivalents and Short-Term Investments | 28.05M | 179.00M | 157.60M | 376.92M | 369.26M | 633.86M |
| Total Debt | 113.95M | 124.53M | 120.72M | 171.25M | 158.54M | 72.13M |
| Total Liabilities | 2.14B | 1.89B | 1.81B | 1.70B | 1.55B | 1.44B |
| Stockholders Equity | 227.99M | 167.56M | 144.49M | 131.06M | 118.36M | 141.00M |
Cash Flow | ||||||
| Free Cash Flow | 6.90M | 17.58M | 9.77M | 11.15M | 20.90M | 57.12M |
| Operating Cash Flow | 7.93M | 18.69M | 10.87M | 12.23M | 22.13M | 57.93M |
| Investing Cash Flow | -59.32M | -80.81M | -67.63M | -89.67M | -162.78M | -236.28M |
| Financing Cash Flow | 30.11M | 73.36M | 111.89M | 134.74M | 109.03M | 182.38M |
First Community Technical Analysis
Neutral
34.02
Price Trends
33.62
Negative
32.18
Positive
30.71
Positive
Market Momentum
0.10
Positive
47.05
Neutral
49.42
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCCO, the sentiment is Neutral. The current price of 34.02 is above the 20-day moving average (MA) of 33.81, above the 50-day MA of 33.62, and above the 200-day MA of 30.71, indicating a neutral trend. The MACD of 0.10 indicates Positive momentum. The RSI at 47.05 is Neutral, neither overbought nor oversold. The STOCH value of 49.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Community Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $305.75M | 11.34 | 15.42% | ― | 14.46% | 23.69% | |
79 Outperform | $262.69M | 10.29 | 13.36% | 3.05% | 5.91% | 37.89% | |
75 Outperform | $298.96M | 11.30 | 9.48% | 3.25% | -2.70% | 296.51% | |
74 Outperform | $313.01M | 10.57 | 10.99% | 2.00% | 8.95% | 18.66% | |
72 Outperform | $321.09M | 12.35 | 11.89% | 1.93% | 15.68% | 20.07% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
FCCO
First Community
33.80
5.51
19.46%
CFFI
C&F Financial
94.01
23.95
34.18%
BPRN
Bank of Princeton
43.30
11.96
38.18%
VABK
Virginia National Bankshares
47.26
8.37
21.51%
CBNA
Chain Bridge Bancorp, Inc. Class A
46.94
15.51
49.35%
First Community Corporate Events
Business Operations and StrategyExecutive/Board Changes
First Community Adds Two New Independent Board Directors
Positive
Sep 16, 2026
Effective October 1, 2026, First Community Corporation and First Community Bank appointed Terrance Ford, Vice President of ATT South Carolina, and Shell K. Berry, President and CEO of the Community Foundation for the Central Savannah River Area, t...
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresM&A Transactions
First Community Highlights Growth at Raymond James Bank Conference
Positive
Sep 8, 2026
First 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 Januar...
Business Operations and StrategyExecutive/Board Changes
First Community announces planned retirement of specialty lending director
Neutral
Aug 19, 2026
On 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 conne...
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresM&A Transactions
First Community Highlights Q2 2026 Growth and Integration Progress
Positive
Aug 10, 2026
First 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 commu...
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresM&A TransactionsRegulatory Filings and Compliance
First Community Presents Strategic Update at KBW Conference
Positive
Jul 27, 2026
First 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 m...
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
First Community announces CEO succession and leadership realignment
Positive
Jul 22, 2026
On 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 t...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.