First Community/$FCCO
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About First Community
First Community Corp is a bank holding company. Along with its subsidiaries, it provides various banking products and services for professionals and small and medium-sized businesses, including consumer and commercial banking, mortgage, brokerage and investment, online banking, and insurance services. The company offers checking, savings, money market, individual retirement, and certificates of deposit accounts, and its lending lines include consumer loans, real estate loans, home improvement loans, home loans, flex loans, construction loans, agricultural loans, and others. The company's reportable segments are: Commercial and Retail Banking, which derives maximum revenue; Mortgage Banking; Investment Advisory and Non-Deposit; and Corporate.
- Ticker
- $FCCO
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 270
- Headquarters
- Lexington, United States
- Website
- www.firstcommunitysc.com
First Community Metrics
BasicAdvanced
$311M
11.50
$2.88
0.33
$0.65
2.05%
Price and volume
Market cap
$311M
Beta
0.33
52-week high
$35.74
52-week low
$26.42
Average daily volume
63K
Dividend rate
$0.65
Financial strength
Profitability
Net profit margin (TTM)
27.80%
Operating margin (TTM)
38.36%
Effective tax rate (TTM)
20.06%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
1.17%
Return on equity (TTM)
14.08%
Valuation
Price to earnings (TTM)
11.501
Price to revenue (TTM)
3.156
Price to book
1.5
Price to tangible book (TTM)
1.78
Dividend yield (TTM)
1.96%
Forward dividend yield
2.05%
Growth
Revenue change (TTM)
24.56%
Earnings per share change (TTM)
19.90%
3-year revenue growth (CAGR)
16.49%
3-year earnings per share growth (CAGR)
20.39%
10-year earnings per share growth (CAGR)
11.72%
3-year dividend per share growth (CAGR)
5.63%
10-year dividend per share growth (CAGR)
7.51%
What the Analysts think about First Community
Analyst ratings (Buy, Hold, Sell) for First Community stock.
Analyst projections of the future price of First Community stock.
Bulls say / Bears say
Second-quarter net income rose 46.5% year on year to $7.6m and diluted EPS rose 19.4% to $0.80; first-half net income was up 42.6%. That gives FCCO a strong earnings base as merger costs begin to fall. (SEC)
Underlying growth remains healthy after stripping out Signature: first-half organic loan growth was 11.0% annualised and organic deposits grew 5.2%; the tax-equivalent net interest margin reached 3.51%, its ninth straight quarterly expansion. This points to improving core balance-sheet economics, not just acquisition-led growth. (SEC)
FCCO is broadening beyond traditional spread income through government-guaranteed lending, mortgage banking and investment advisory, while it has raised its quarterly dividend to $0.17 and authorised a $7.5m buyback. Its capital ratios remained above well-capitalised thresholds, giving room to return capital while investing. (SEC, SEC)
Headline growth is still heavily acquisition-driven: of the $275.3m increase in deposits and $267.3m increase in loans in the first half, $229.8m and $195.7m respectively came from Signature. The deal also added $14.8m of goodwill and $2.6m of identifiable intangibles, so integration and synergy delivery remain important. (SEC)
Credit quality is low-risk today, but the acquired book has already needed scrutiny: FCCO identified a $2.4m unfinished real-estate loan, recorded a $2.0m collateral deficiency mark, and lifted its allowance ratio from 1.05% to 1.19% in the first quarter. By the second quarter, past-due loans had risen to 0.26% from 0.17%, so faster growth could expose the bank to more commercial-property losses. (First Community Corporation, PR Newswire)
Bank CEO J. Ted Nissen is due to retire at the end of 2026, with a new CEO and president taking over in January 2027. Even with a planned handover, leadership change creates a near-term execution risk while FCCO completes the acquisition's integration. (PR Newswire)
Data summarised monthly by Lightyear AI. Last updated on 28 Sept 2026.
First Community Financial Performance
Revenues and expenses
First Community Earnings Performance
Company profitability
Upcoming events
Funds containing First Community
Fund name | Fund size | $FCCO weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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