First Community Corporation logo

First Community Corporation

FCCO

NASDAQFinancial ServicesBanks - Regional

Previous close

$33.72

−$0.24 · -0.71%

Aug 21, 4:00 PM ET

FCCO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

79

Undervalued

Momentum

47

Neutral

Sentiment

58

Mixed

Risk resilience

79

Moderate Risk

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Company profile

Company website

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 medium-sized businesses. The company's operations are organized into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Investment Advisory along with Non-Deposit services. Customers can access diverse deposit products, such as checking, NOW, savings, and individual retirement accounts, in addition to demand deposits, daily money market accounts, and various certificates of deposit. The bank's extensive loan portfolio encompasses commercial financing for working capital, business expansion, and equipment acquisition, available on both secured and unsecured terms. It also provides consumer loans for purposes like vehicle purchases, home improvements, educational expenses, and personal investments. Further loan options include real estate construction and acquisition financing, alongside both fixed and variable rate mortgage products. Beyond its core banking functions, First Community Bank offers a suite of additional services. These include online and internet banking platforms, cash management solutions, safe deposit box rentals, traveler's checks, direct deposit for payroll and social security, and automated draft capabilities. Moreover, the company extends its services to non-deposit investment products, investment brokerage, VISA and MasterCard credit card facilities, professional investment advisory, and insurance solutions. The corporation maintains 21 full-service branches throughout several counties in South Carolina, specifically Lexington, Richland, Newberry, Kershaw, Greenville, Anderson, Pickens, and Aiken. Its presence also spans into Georgia, with offices located in Richmond and Columbia Counties. Incorporated in 1994, First Community Corporation's headquarters are situated in Lexington, South Carolina.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Michael C. Crapps
Listed since
Mar 9, 1999
Employees
282

Market position

Day range

Current $33.72

52-week range

Current $33.72

Open
$34.08
Previous close
$33.96
Volume
95.61K
1.2× average
Average volume
79.41K
Average daily volume
Market cap
316.9M USD
Beta
0.34
Market reference 1
50-day average
$33.173
+1.65% above average
200-day average
$30.4325
+10.80% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
190.94M USD
P/E (TTM)
12.4×
P/B (TTM)
1.39×
P/S (TTM)
2.63×
EV / EBITDA
5.44×
Earnings yield
8.44%
Free cash flow yield
7.73%
Dividend yield
1.93%

Profitability & efficiency

Gross margin
68.97%
Operating margin
24.12%
Net margin
19.20%
Return on equity
11.46%
Return on assets
0.93%
Return on invested capital
6.32%

Financial health

Debt / equity
0.5×
Current ratio
0.1×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%71%39%6%Gross margin, FY2021: 95.50%Gross margin, FY2022: 94.82%Gross margin, FY2023: 68.17%Gross margin, FY2024: 61.24%Gross margin, FY2025: 68.10%Operating margin, FY2021: 34.32%Operating margin, FY2022: 31.54%Operating margin, FY2023: 19.20%Operating margin, FY2024: 18.04%Operating margin, FY2025: 22.72%Net margin, FY2021: 27.01%Net margin, FY2022: 25.04%Net margin, FY2023: 15.12%Net margin, FY2024: 14.16%Net margin, FY2025: 17.29%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.50%. Gross margin FY2022 94.82%. Gross margin FY2023 68.17%. Gross margin FY2024 61.24%. Gross margin FY2025 68.10%. Operating margin FY2021 34.32%. Operating margin FY2022 31.54%. Operating margin FY2023 19.20%. Operating margin FY2024 18.04%. Operating margin FY2025 22.72%. Net margin FY2021 27.01%. Net margin FY2022 25.04%. Net margin FY2023 15.12%. Net margin FY2024 14.16%. Net margin FY2025 17.29%.

Income trends

Revenue

111.06M USD+12.72%

Operating income

25.23M USD+41.97%

Net income

19.21M USD+37.62%
Income trends across reported periods120.98M USD81.29M USD41.61M USD1.92M USDRevenue, FY2021: 57.25M USDRevenue, FY2022: 58.37M USDRevenue, FY2023: 78.33M USDRevenue, FY2024: 98.53M USDRevenue, FY2025: 111.06M USDOperating income, FY2021: 19.65M USDOperating income, FY2022: 18.41M USDOperating income, FY2023: 15.04M USDOperating income, FY2024: 17.77M USDOperating income, FY2025: 25.23M USDNet income, FY2021: 15.47M USDNet income, FY2022: 14.61M USDNet income, FY2023: 11.84M USDNet income, FY2024: 13.96M USDNet income, FY2025: 19.21M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 57.25M USD. Revenue FY2022 58.37M USD. Revenue FY2023 78.33M USD. Revenue FY2024 98.53M USD. Revenue FY2025 111.06M USD. Operating income FY2021 19.65M USD. Operating income FY2022 18.41M USD. Operating income FY2023 15.04M USD. Operating income FY2024 17.77M USD. Operating income FY2025 25.23M USD. Net income FY2021 15.47M USD. Net income FY2022 14.61M USD. Net income FY2023 11.84M USD. Net income FY2024 13.96M USD. Net income FY2025 19.21M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue111.06M USD98.53M USD78.33M USD58.37M USD57.25M USD
Cost of goods sold35.43M USD38.19M USD24.93M USD3.02M USD2.58M USD
Gross profit75.63M USD60.34M USD53.4M USD55.34M USD54.68M USD
Selling, general, and administrative36.07M USD32.96M USD29.25M USD27.93M USD27.11M USD
Operating expenses50.4M USD42.57M USD38.36M USD36.93M USD35.03M USD
Interest income97.05M USD89.42M USD72.7M USD51.12M USD47.52M USD
Interest expense35.03M USD37.38M USD23.81M USD3.17M USD2.24M USD
Depreciation and amortization1.01M USD1.86M USD1.92M USD1.82M USD1.92M USD
Operating income25.23M USD17.77M USD15.04M USD18.41M USD19.65M USD
Net income19.21M USD13.96M USD11.84M USD14.61M USD15.47M USD

Company facts updated Aug 24, 2026.

FCCO news

Corporate actions

Corporate action history

Stock split

Effective Mar 1, 2002

5:4

Stock split

Effective May 29, 2001

21:20

FCCO peers

ETFs holding FCCO

Funds reporting this stock among their holdings, ordered by reported position size.

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