First Community (FCCO) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

First Community

NasdaqCM•Financial Services•Banks - Regional

$34.15+0.18(0.01%)Pre-market

Market Cap

$315.92M

P/E

13.7x

P/S

3.5x

P/B

1.4x

First Community Corporation operates as the bank holding company for First Community Bank that provides various commercial and retail banking products and services to small-to-medium sized businesses, professionals, and individuals. It operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. The company's deposit products include checking, NOW, savings, and individual retirement accounts; and demand deposits, as well as other time deposits, such as daily money market accounts and longer-term certificates of deposit. Its loan portfolio comprises commercial loans that include secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans comprising secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. The company also provides online banking, cash management, and internet banking services; and safe deposit boxes, direct deposits of payroll and social security checks, and automatic drafts for various accounts. In addition, it offers non-deposit investment products and other investment brokerage services; credit cards; and investment advisory and insurance services. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina.

How this company scores

GoodMetricSide Score: 69/100

Strongest: Profitability (23/25); weakest: Cash & Earnings Quality (6/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality6/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.7x5y range 0.0x – 13.8x

Currently near its 20-quarter median.

P/S · 3.5x5y range 0.0x – 3.5x

Currently above its 20-quarter median.

P/B · 1.4x5y range 0.0x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

Free cash flow has been negative in 4 of the last 8 quarters — earnings are not translating to cash.

Cash Burn

Watch

4 of the last 8 quarters had negative FCF — inconsistent cash generation raises sustainability concerns.

Price & Volume

Market Cap $315.92M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $89.36M
Q. Revenue: $25.14M
TTM EBITDA: $31.41M
TTM Op. Income: $28.67M
Q. Op. Income: $9.74M
TTM Net Income: $23.11M
Q. Net Income: $7.59M
EPS: $0.81
Shares Out.: $9.37M

$89.36M in TTM revenue grew 23.5% YoY, reaching $25.14M last quarter. TTM EBITDA of $31.41M and TTM operating income of $28.67M show growth is flowing through to the bottom line. TTM net income of $23.11M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 61.5%
EBITDA Margin: 40.9%
Op. Margin: 38.7%
Net Margin: 30.2%

Op. margin of 38.7% is up 4.5% YoY — cost efficiency is improving. Net margin at 30.2% and gross margin of 61.5% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 13% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.7x
P/S Ratio: 3.5x
P/B Ratio: 1.4x

At 13.7x P/E, the stock trades below typical market levels. P/S of 3.5x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.37B
Cash: $162.18M
Long-Term Debt: $14.96M
Book Value: $227.99M
D/E Ratio: 0.1
Debt/EBITDA: 1.5

With $2.37B in assets and $14.96M in long-term debt, D/E is 0.1and book value is $227.99M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-2.17M
TTM Free Cash Flow: $6.90M
FCF Margin: 7.7%
FCF / Net Income: 0.3

TTM FCF of $6.90M on $-2.17M in operating cash flow. The FCF / Net Income ratio of 0.3x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.