A Business at a Glance
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FIRST COMMUNITY CORP /SC/
FCCO
$262M
Mkt Cap
$33.65
+2.09%
FIRST COMMUNITY CORP /SC/ (FCCO) has a current P/E ratio of 14.0, compared to its historical median P/E of 12.9. The stock is currently considered Fair based on its historical valuation range.
FIRST COMMUNITY CORP /SC/ (FCCO) has a 5-year average return on invested capital (ROIC) of 10.9%. This indicates solid capital allocation.
FIRST COMMUNITY CORP /SC/ (FCCO) has a market capitalization of $262M. It is classified as a small-cap stock.
Yes, FIRST COMMUNITY CORP /SC/ (FCCO) pays a dividend with a trailing twelve-month yield of 1.82%.
Based on historical P/E analysis, FIRST COMMUNITY CORP /SC/ (FCCO) appears fair. The current P/E of 14.0 is 9% above its historical median of 12.9. The estimated fair value CAGR (P/E method) is 3.7%.
FIRST COMMUNITY CORP /SC/ (FCCO) operates in the State Commercial Banks industry, within the Financials sector.
FIRST COMMUNITY CORP /SC/ (FCCO) reported annual revenue of $114 million in its most recent fiscal year, based on SEC EDGAR filings.
First Community Corporation, a bank holding company registered under the Bank Holding Company Act of 1956, was incorporated under the laws of South Carolina in November 1994 primarily to own and control all of the capital stock of First Community Bank, which commenced operations in August 1995. The Bank’s primary federal regulator is the Federal Deposit Insurance Corporation (the “FDIC”). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions (the “S.C. Board”). Unless otherwise mentioned or unless the context requires otherwise, references herein to “First Community,” “we,” “us,” “our” or similar references mean First Community Corporation and its consolidated subsidiaries. References to the “Bank” means First Community Bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 114M | 114M | 103M | 83M | 63M | 61M |
| Net Income | 19M | 19M | 14M | 12M | 15M | 15M |
| EPS | $2.47 | $2.47 | $1.81 | $1.55 | $1.92 | $2.05 |
| Free Cash Flow | 18M | 18M | 11M | 12M | 21M | 57M |
| ROIC | 6.9% | 12.3% | 10.1% | 9.5% | 11.3% | 11.2% |
| Gross Margin | 68.6% | 68.6% | 63.0% | 70.2% | 94.7% | 95.8% |
| Debt/Equity | 0.67 | 0.67 | 0.53 | 0.57 | 0.63 | 0.44 |
| Dividends/Share | $0.61 | $0.62 | $0.58 | $0.56 | $0.52 | $0.48 |
| Operating Income | 4.9M | 4.9M | 4.4M | 4.5M | 4.3M | 4.2M |
| Operating Margin | 4.3% | 4.3% | 4.3% | 5.4% | 6.9% | 6.9% |
| ROE | 11.5% | 12.3% | 10.1% | 9.5% | 11.3% | 11.2% |
| Shares Outstanding | 8M | 8M | 8M | 8M | 8M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 36M | 38M | 38M | 42M | 50M | 54M | 58M | 61M | 63M | 83M | 103M | 114M | 114M |
| Gross Margin | 87.5% | N/A | N/A | 92.1% | 91.4% | 89.1% | 87.1% | 95.8% | 94.7% | 70.2% | 63.0% | 68.6% | 68.6% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 14M | 14M | 15M | 17M | 20M | 21M | 24M | 24M | 25M | 26M | 29M | 32M | 32M |
| EBIT | 2.4M | 2.6M | 2.9M | 2.9M | 3.5M | 3.7M | 3.8M | 4.2M | 4.3M | 4.5M | 4.4M | 4.9M | 4.9M |
| Op. Margin | 6.8% | 6.9% | 7.6% | 6.9% | 7.0% | 6.7% | 6.6% | 6.9% | 6.9% | 5.4% | 4.3% | 4.3% | 4.3% |
| Net Income | 5.1M | 6.1M | 6.7M | 5.8M | 11M | 11M | 10M | 15M | 15M | 12M | 14M | 19M | 19M |
| Net Margin | 14.4% | 16.3% | 17.4% | 13.9% | 22.3% | 20.2% | 17.5% | 25.2% | 23.3% | 14.2% | 13.5% | 16.8% | 16.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14K | 45M | 0 | 5K | 5K | 5K |
| Returns on Capital | |||||||||||||
| ROIC | 8.1% | 8.0% | 8.3% | 6.2% | 10.3% | 9.4% | 7.9% | 11.2% | 11.3% | 9.5% | 10.1% | 12.3% | 6.9% |
| ROE | 8.1% | 8.0% | 8.3% | 6.2% | 10.3% | 9.4% | 7.9% | 11.2% | 11.3% | 9.5% | 10.1% | 12.3% | 11.5% |
| ROA | 0.7% | 0.7% | 0.8% | 0.6% | 1.0% | 1.0% | 0.8% | 1.0% | 0.9% | 0.7% | 0.7% | 1.0% | 0.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 12M | 15M | 5.1M | 18M | 20M | 4.8M | -17M | 58M | 22M | 13M | 12M | 19M | 19M |
| Free Cash Flow | 8.8M | 12M | 3.9M | 15M | 19M | 2.0M | -18M | 57M | 21M | 12M | 11M | 18M | 18M |
| Owner Earnings | 10M | 13M | 3.6M | 17M | 18M | 3.1M | -19M | 56M | 19M | 10M | 9.0M | 16M | 16M |
| CapEx | 3.2M | 2.7M | 1.2M | 3.1M | 1.5M | 2.8M | 1.1M | 813K | 1.2M | 1.1M | 1.1M | 1.1M | 1.1M |
| Maint. CapEx | 1.1M | 1.3M | 1.3M | 1.4M | 1.5M | 1.6M | 1.6M | 1.9M | 1.8M | 2.0M | 1.9M | 1.9M | 1.9M |
| Growth CapEx | 2.1M | 1.4M | 0 | 1.6M | 0 | 1.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 1.1M | 1.3M | 1.3M | 1.4M | 1.5M | 1.6M | 1.6M | 1.9M | 1.8M | 2.0M | 1.9M | 1.9M | 1.9M |
| CapEx/OCF | 26.8% | 18.4% | 24.1% | 16.7% | 7.3% | 56.0% | N/A | N/A | 5.5% | 8.8% | 10.1% | N/A | 5.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.5M | 1.8M | 2.1M | 2.5M | 3.0M | 3.3M | 3.6M | 3.6M | 3.9M | 4.2M | 4.4M | 4.8M | 4.8M |
| Dividend Yield | 2.8% | 2.9% | 2.7% | 2.1% | 2.1% | 2.7% | N/A | N/A | 2.9% | 3.2% | 3.0% | N/A | 1.8% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 5.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 4.2% | 0.0% | 0.0% | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 673K | 297K | 220K | 109K | 149K | 151K | 283K | 294K | 1.5M | 794K | 753K | 1.2M | 1.2M |
| Debt Repayment | 0 | 370K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | -287M | -188M | -188M | -144M | -199M | -375M | -572M | -294M | -302M | -352M | -343M | -49M |
| Cash & Equiv. | 23M | 23M | 22M | 31M | 32M | 48M | 65M | 69M | 37M | 95M | 150M | 161M | 161M |
| Long-Term Debt | N/A | 370K | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 112M |
| Debt/Equity | 9.90 | 0.00 | 1.07 | 1.02 | 1.12 | 1.13 | 0.36 | 0.44 | 0.63 | 0.57 | 0.53 | 0.67 | 0.67 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 75M | 79M | 82M | 106M | 112M | 120M | 136M | 141M | 118M | 131M | 144M | 168M | 168M |
| Total Assets | 812M | 863M | 915M | 1.1B | 1.1B | 1.2B | 1.4B | 1.6B | 1.7B | 1.8B | 2.0B | 2.1B | 2.1B |
| Total Liabilities | 738M | 784M | 833M | 945M | 979M | 1.1B | 1.3B | 1.4B | 1.6B | 1.7B | 1.8B | 1.9B | 1.9B |
| Intangibles | 1.8M | 1.4M | 1.1M | 2.6M | 2.0M | 1.5M | 1.1M | 919K | 761K | 604K | 446K | 289K | 289K |
| Retained Earnings | -8.3M | -4.0M | 573K | 4.1M | 12M | 20M | 26M | 38M | 49M | 56M | 66M | 80M | 80M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.78 | 0.91 | 0.98 | 0.83 | 1.45 | 1.45 | 1.35 | 2.05 | 1.92 | 1.55 | 1.81 | 2.47 | 2.47 |
| Owner EPS | 1.56 | 1.92 | 0.53 | 2.40 | 2.36 | 0.41 | -2.54 | 7.39 | 2.48 | 1.34 | 1.17 | 2.01 | 2.01 |
| Book Value | 11.35 | 11.74 | 12.01 | 15.08 | 14.53 | 15.89 | 18.23 | 18.69 | 15.55 | 17.15 | 18.74 | 21.55 | 21.55 |
| Cash Flow/Share | 1.83 | 2.15 | 0.75 | 2.62 | 2.58 | 0.64 | -2.28 | 7.68 | 2.91 | 1.70 | 1.51 | 2.40 | 2.71 |
| Dividends/Share | 0.23 | 0.27 | 0.31 | 0.35 | 0.39 | 0.44 | 0.44 | 0.48 | 0.52 | 0.56 | 0.58 | 0.62 | 0.61 |
| Shares Out. | 6.6M | 6.7M | 6.8M | 7.0M | 7.7M | 7.6M | 7.5M | 7.5M | 7.6M | 7.6M | 7.7M | 7.8M | 7.8M |
| Valuation | |||||||||||||
| P/E Ratio | 11.3 | 12.0 | 14.5 | 22.1 | 11.0 | 12.3 | N/A | N/A | 10.2 | 13.1 | 12.9 | N/A | 13.6 |
| P/FCF | 6.6 | 6.2 | 24.9 | 8.4 | 6.7 | 66.5 | N/A | N/A | 7.1 | 13.0 | 17.1 | N/A | 14.9 |
| EV/EBIT | 30.2 | N/A | N/A | 49.5 | 38.4 | 41.0 | N/A | N/A | 37.7 | 37.7 | 44.3 | N/A | 43.6 |
| Price/Book | 0.8 | 0.9 | 1.2 | 1.2 | 1.1 | 1.1 | N/A | N/A | 1.3 | 1.2 | 1.2 | N/A | 1.6 |
| Price/Sales | 1.7 | 1.9 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.3 |
| FCF Yield | 15.2% | 16.1% | 4.0% | 11.9% | 14.9% | 1.5% | N/A | N/A | 14.0% | 7.7% | 5.8% | N/A | 6.7% |
| Market Cap | 58M | 73M | 97M | 128M | 124M | 135M | 0 | 0 | 149M | 155M | 180M | 0 | 262M |
| Avg. Price | 8.14 | 9.42 | 11.67 | 16.95 | 19.02 | 16.11 | 0.00 | 0.00 | 17.64 | 17.40 | 18.96 | 0.00 | 33.65 |
| Year-End Price | 8.79 | 10.91 | 14.25 | 18.34 | 16.00 | 17.87 | 0.00 | 0.00 | 19.56 | 20.34 | 23.35 | 0.00 | 33.65 |
FIRST COMMUNITY CORP /SC/ passes 4 of 9 quality checks, suggesting mixed fundamentals.
FIRST COMMUNITY CORP /SC/ trades at 14.0x trailing earnings, compared to its 15-year median P/E of 12.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 24.1x vs a median of 13.0x. The company's 5-year average ROIC is 10.9% with a gross margin of 78.5%. Total shareholder yield (dividends) is 1.8%. At current prices, the estimated annualized return to fair value is -4.3%.
FIRST COMMUNITY CORP /SC/ (FCCO) has a net profit margin of 16.8%. This is a healthy margin.
FIRST COMMUNITY CORP /SC/ (FCCO) generated $18 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FIRST COMMUNITY CORP /SC/ (FCCO) has a debt-to-equity ratio of 0.67. This indicates moderate leverage.
FIRST COMMUNITY CORP /SC/ (FCCO) reported earnings per share (EPS) of $2.47 in its most recent fiscal year.
FIRST COMMUNITY CORP /SC/ (FCCO) has a return on equity (ROE) of 12.3%. This indicates moderate shareholder returns.
FIRST COMMUNITY CORP /SC/ (FCCO) has a 5-year average gross margin of 78.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for FIRST COMMUNITY CORP /SC/ (FCCO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FIRST COMMUNITY CORP /SC/ (FCCO) has a book value per share of $21.55, based on its most recent annual SEC filing.
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