First Community Financials

FCCO Stock  USD 29.05  0.20  0.69%   
Based on the key measurements obtained from First Community's financial statements, First Community is performing exceptionally good at this time. It has a great probability to report excellent financial results in March. At this time, First Community's Cash is very stable compared to the past year. As of the 29th of January 2026, Non Current Assets Total is likely to grow to about 2.2 B, while Property Plant And Equipment Net is likely to drop about 21.8 M.
 
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First Community Balance Sheet Chart

At this time, First Community's Cash is very stable compared to the past year. As of the 29th of January 2026, Non Current Assets Total is likely to grow to about 2.2 B, while Property Plant And Equipment Net is likely to drop about 21.8 M.
Key indicators impacting First Community's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.70.75
Significantly Down
Very volatile
Current Ratio0.07570.0797
Notably Down
Slightly volatile
The financial analysis of First Community is a critical element in measuring its lifeblood. Investors should not minimize First Community's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

20.17 Million

  
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Understanding current and past First Community Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Community's financial statements are interrelated, with each one affecting the others. For example, an increase in First Community's assets may result in an increase in income on the income statement.

First Community Stock Summary

First Community competes with Avidbank Holdings, Virginia National, First Savings, Franklin Financial, and Chain Bridge. First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina. First Community operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 247 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3198351047
Business Address5455 Sunset Boulevard,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.firstcommunitysc.com
Phone803 951 2265
CurrencyUSD - US Dollar

First Community Key Financial Ratios

First Community Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets1.6B1.7B1.8B2.0B2.3B2.4B
Other Current Liab1.4B1.4B1.4B1.7B1.9B2.0B
Net Debt(51.1M)30.4M234.6M(29.1M)(33.5M)(31.8M)
Retained Earnings38.3M49.0M56.3M65.8M75.7M79.5M
Cash69.0M37.4M(66.8M)149.8M172.3M180.9M
Other Assets332.8M689.6M1.4M1.6B1.8B1.9B
Total Liab1.4B1.6B1.7B1.8B2.1B2.2B
Total Current Assets633.9M369.3M66.8M157.6M181.2M172.5M
Common Stock7.5M7.6M7.6M7.6M8.8M4.6M
Short Term Debt3.0M9.5M62.9M103.1M118.6M124.5M
Other Liab9.0M13.8M13.0M9.4M10.8M6.6M
Accounts Payable988.2M1.2B1.4B1.4B1.6B1.7B
Other Current Assets66.8M70.2M38.3M66.8M60.1M57.1M
Intangible Assets919K761K604K446K401.4K381.3K
Inventory1.4M1.2M1.2M934K840.6K798.6K
Net Tangible Assets104.1M120.6M125.4M103.0M118.4M91.2M
Capital Surpluse90.5M91.4M92.1M92.7M106.6M87.7M

First Community Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense2.2M3.2M23.8M37.4M35.0M36.8M
Total Revenue57.3M58.4M10.4M98.5M16.9M32.1M
Gross Profit54.7M55.3M10.4M60.3M69.4M72.9M
Operating Income19.6M18.4M15.0M17.8M20.4M21.5M
Ebit19.6M18.4M15.0M17.8M20.4M21.5M
Ebitda21.6M20.2M15.0M19.6M22.6M23.7M
Cost Of Revenue2.6M3.0M72.6M38.2M43.9M46.1M
Net Income15.5M14.6M11.8M14.0M19.2M20.2M
Income Tax Expense4.2M3.8M3.2M3.8M5.7M5.9M
Income Before Tax19.6M18.4M15.0M17.8M24.9M26.1M
Tax Provision4.2M3.8M3.2M3.8M4.4M3.4M
Net Interest Income45.3M47.9M48.9M52.0M59.8M42.7M
Interest Income47.5M51.1M72.7M89.4M102.8M52.5M

First Community Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash4.0M(31.6M)57.3M55.1M63.4M66.6M
Free Cash Flow57.1M20.9M11.2M9.8M11.2M7.2M
Depreciation1.9M1.8M1.9M1.9M2.1M1.4M
Other Non Cash Items40.3M6.9M(3.6M)(8.1M)(9.3M)(8.9M)
Capital Expenditures813K1.2M1.1M1.1M1.3M1.6M
Net Income15.5M14.6M11.8M14.0M16.0M16.9M
End Period Cash Flow69.0M37.4M94.7M149.8M172.3M180.9M
Dividends Paid3.6M3.9M4.2M4.4M5.1M5.3M
Investments271.3M(160.3M)(89.7M)(67.6M)(77.8M)(73.9M)
Net Borrowings13.3M64.5M40M(90M)(103.5M)(98.3M)
Change To Netincome139K3.7M335K(152K)(174.8K)(166.1K)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Community's current stock value. Our valuation model uses many indicators to compare First Community value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Community competition to find correlations between indicators driving First Community's intrinsic value. More Info.
First Community is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Community is roughly  13.13 . At this time, First Community's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Community's earnings, one of the primary drivers of an investment's value.
Most indicators from First Community's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Community current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Community. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in unemployment.
To learn how to invest in First Stock, please use our How to Invest in First Community guide.At this time, First Community's Selling General Administrative is very stable compared to the past year. As of the 29th of January 2026, Sales General And Administrative To Revenue is likely to grow to 0.43, while Tax Provision is likely to drop about 3.4 M.
 2023 2024 2025 2026 (projected)
Interest Expense23.8M37.4M35.0M36.8M
Depreciation And Amortization158K1.9M2.1M1.3M

First Community fundamental ratios Correlations

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Click cells to compare fundamentals

First Community Account Relationship Matchups

First Community fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets1.6B1.7B1.8B2.0B2.3B2.4B
Other Current Liab1.4B1.4B1.4B1.7B1.9B2.0B
Net Debt(51.1M)30.4M234.6M(29.1M)(33.5M)(31.8M)
Retained Earnings38.3M49.0M56.3M65.8M75.7M79.5M
Cash69.0M37.4M(66.8M)149.8M172.3M180.9M
Other Assets332.8M689.6M1.4M1.6B1.8B1.9B
Total Liab1.4B1.6B1.7B1.8B2.1B2.2B
Total Current Assets633.9M369.3M66.8M157.6M181.2M172.5M
Common Stock7.5M7.6M7.6M7.6M8.8M4.6M
Short Term Debt3.0M9.5M62.9M103.1M118.6M124.5M
Other Liab9.0M13.8M13.0M9.4M10.8M6.6M
Accounts Payable988.2M1.2B1.4B1.4B1.6B1.7B
Other Current Assets66.8M70.2M38.3M66.8M60.1M57.1M
Intangible Assets919K761K604K446K401.4K381.3K
Inventory1.4M1.2M1.2M934K840.6K798.6K
Net Tangible Assets104.1M120.6M125.4M103.0M118.4M91.2M
Capital Surpluse90.5M91.4M92.1M92.7M106.6M87.7M
Today, most investors in First Community Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Community's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Community growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.33

At this time, First Community's Price Earnings To Growth Ratio is very stable compared to the past year.

First Community January 29, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Community help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Community. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Community based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Community's daily price indicators and compare them against related drivers.
When determining whether First Community offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Community's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Community Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Community Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Community. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in unemployment.
To learn how to invest in First Stock, please use our How to Invest in First Community guide.
You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Will Regional Banks sector continue expanding? Could First diversify its offerings? Factors like these will boost the valuation of First Community. Market participants price First higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every First Community data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
0.34
Earnings Share
2.4
Revenue Per Share
9.8
Quarterly Revenue Growth
0.181
Return On Assets
0.0093
Understanding First Community requires distinguishing between market price and book value, where the latter reflects First's accounting equity. The concept of intrinsic value—what First Community's is actually worth based on fundamentals—guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push First Community's price substantially above or below its fundamental value.
Please note, there is a significant difference between First Community's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, First Community's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.