First Community Corporation (FCCO) AI Stock Analysis

First Community Corporation serves as the bank holding company for First Community Bank, offering commercial and retail banking, mortgage banking, and investment advisory and non-deposit services. Its deposit products include checking, NOW, savings, individual retirement accounts, daily money market accounts, and certificates of deposit. The company provides commercial loans for working capital and business expansion, consumer loans, real estate construction loans, and residential mortgages. Additionally, it offers cash management, internet banking, investment brokerage, credit card services, and insurance services to individuals, professionals, and small-to-medium sized businesses.

Between FY2021 and FY2025, First Community Corporation recorded a 5-year revenue CAGR of 15.6%. Annual revenue rose from $57.3M in FY2021 to $58.4M in FY2022, before falling 82.1% to $10.4M in FY2023. Revenue recovered to $98.5M in FY2024 and increased 12.7% to $111.1M in FY2025, with net income expanding to $19.2M and EPS reaching $2.56. For FY2025, gross margin was 68.1% and operating margin was 22.7%. In the quarter ended June 30, 2026, revenue increased 26.5% year-over-year and earnings grew 19.4%, bringing trailing twelve-month revenue to $88.3M with an operating margin of 42.5%.

As of June 30, 2026, First Community Corporation held $28.0M in cash and short-term investments, total debt of $113.9M, and net debt of $85.9M. Shareholders' equity was $228.0M against total assets of $2.37B, resulting in a debt-to-equity ratio of 0.50 and a current ratio of 0.29. During FY2025, the company generated $18.7M in operating cash flow and $17.6M in free cash flow, while directing $1.1M to capital expenditures and $4.8M to dividend payments.

First Community Corporation trades at a trailing P/E of 12.1x, matching the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 11.6x trades at a premium to the peer median of 10.8x, and its price-to-sales ratio of 3.5x sits above the peer median of 3.2x. The stock has a price-to-book ratio of 1.3x and a PEG ratio of 1.83. Over the past year, FCCO shares returned 22.4%, exceeding the S&P 500 return of 16.8%. Its 5-year return of 90.7% also outpaced the 83.0% return of the S&P 500.

First Community Corporation pays a quarterly dividend with a forward annualized payout of $0.68, representing a dividend yield of 2.09%. The dividend payout ratio is 22.2%, supported by 25 consecutive years of dividend distributions. Over the past 5 years, the annualized dividend growth rate was 5.3%, and the most recent ex-dividend date occurred on August 4, 2026.

All 3 analyst ratings for First Community Corporation are StrongBuy, with 0 Buy, Hold, Sell, or StrongSell ratings. The mean price target is $37.83, indicating potential upside of 16.3% from the last close of $32.54. Analysts estimate FY2026 revenue of $100.5M and EPS of $3.14, representing projected earnings growth of 22.4%. The company exceeded EPS estimates in 3 of the last 4 quarters, and its next earnings date is October 21, 2026.

This page is an AI-written research summary of First Community Corporation (FCCO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FCCO income statement, FCCO balance sheet, FCCO key metrics, FCCO analyst forecast, FCCO chart. See the FCCO stock overview for the latest quote and news.