| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | 1 | — | — | — | — | — | 1 | — |
| Sell | — | — | — | — | — | — | — | — | — | 1 | 1 | 1 |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡ |
|
| 2026 | 0.65 |
—
—
—
|
| 2025 | 0.62 |
—
—
—
—
|
| 2024 | 0.58 |
—
—
—
—
|
| 2023 | 0.56 |
—
—
—
—
|
| 2022 | 0.52 |
—
—
—
—
|
| 2021 | 0.48 |
—
—
—
—
|
| 2020 | 0.48 |
—
—
—
—
|
| 2019 | 0.44 |
—
—
—
—
|
| 2018 | 0.40 |
—
—
—
—
|
| 2017 | 0.36 |
—
—
—
—
|
| 2016 | 0.32 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 94.70 | 149.83 | 161.06 | 162.18 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 1,220.88 | 1,366.90 | 1,469.01 | 1,733.91 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 1,511.00 | 1,675.90 | 1,749.54 | 2,024.84 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 1,573.86 | 1,779.01 | 1,856.73 | 2,121.39 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 32.83 | 34.81 | — | — |
—
|
| ’25 | 27.06 | 28.38 | 29.37 | 29.19 |
114.00
|
| ’24 | 24.44 | 25.57 | 26.73 | 26.68 |
103.43
|
| ’23 | 18.47 | 20.55 | 20.60 | 23.51 |
83.12
|
| ’22 | 14.57 | 14.52 | 16.03 | 17.57 |
62.69
|
| ’21 | 14.51 | 15.08 | 16.55 | 15.28 |
61.42
|
| ’20 | 13.64 | 14.05 | 14.83 | 15.03 |
57.55
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (2.39) | (2.17) | — | — |
—
|
| ’25 | 6.47 | 0.06 | 8.84 | 3.32 |
18.69
|
| ’24 | 4.70 | (0.29) | 10.79 | (3.58) |
11.62
|
| ’23 | 3.98 | (3.28) | 3.02 | 9.30 |
13.02
|
| ’22 | (1.60) | 10.31 | 9.06 | 4.35 |
22.13
|
| ’21 | 25.96 | 15.47 | 12.51 | 3.99 |
57.93
|
| ’20 | 2.52 | (14.51) | (3.98) | (1.07) |
(17.05)
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (2.49) | (2.40) | — | — |
—
|
| ’25 | 6.27 | (0.13) | 8.71 | 2.75 |
17.61
|
| ’24 | 4.42 | (0.63) | 10.61 | (3.88) |
10.53
|
| ’23 | 3.49 | (3.50) | 2.77 | 9.20 |
11.95
|
| ’22 | (1.71) | 10.14 | 9.03 | 4.48 |
21.94
|
| ’21 | 25.84 | 15.32 | 13.02 | 4.37 |
58.55
|
| ’20 | 2.30 | (14.82) | (4.19) | (1.42) |
(18.13)
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.59 | 0.80 | — | — |
—
|
| ’25 | 0.51 | 0.67 | 0.67 | 0.62 |
2.47
|
| ’24 | 0.34 | 0.42 | 0.50 | 0.55 |
1.81
|
| ’23 | 0.45 | 0.43 | 0.23 | 0.43 |
1.55
|
| ’22 | 0.46 | 0.41 | 0.52 | 0.53 |
1.92
|
| ’21 | 0.43 | 0.47 | 0.63 | 0.52 |
2.05
|
| ’20 | 0.24 | 0.30 | 0.35 | 0.46 |
1.35
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16.97 | 16.30 | 15.40 | 19.46 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 22.00 | 22.25 | 26.48 | 31.50 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 269 | 282 | 270 | 282 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.23 | 0.29 | 0.38 | 0.40 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 62.69 | 83.12 | 103.43 | 114.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 94.94% | 71.36% | 63.86% | 69.27% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 18.41 | 15.04 | 17.77 | 24.86 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.37% | 18.09% | 17.18% | 21.81% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 14.61 | 11.84 | 13.96 | 19.21 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.43 | (1.16) | (1.90) | (1.73) | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.33 | 10.98 | 13.58 | 14.88 | ‡‡‡‡‡ | ‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 1.94 | 1.56 | 1.83 | 2.51 | ‡‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.94 | 1.72 | 1.53 | 2.44 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.02) | (0.14) | (0.14) | (0.14) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.91 | 1.58 | 1.38 | 2.30 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15.72 | 17.32 | 18.97 | 21.87 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.53 | 7.57 | 7.62 | 7.66 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.15 | 13.73 | 13.11 | 11.81 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.60 | 1.95 | 1.77 | 1.99 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.38 | 1.24 | 1.27 | 1.36 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.29 | 3.84 | 1.88 | 2.00 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15.10 | 26.73 | 18.52 | 12.95 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 22.13 | 13.02 | 11.62 | 18.69 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.18) | (1.07) | (1.10) | (1.08) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 21.94 | 11.95 | 10.53 | 17.61 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (467.42) | (352.98) | (412.11) | (387.72) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 205.96 | 104.96 | 14.96 | 14.96 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 168.56 | 10.27 | (134.86) | (146.10) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 118.36 | 131.06 | 144.49 | 167.56 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.90% | 0.68% | 0.74% | 0.96% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.01% | 6.65% | 115.33% | 76.08% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.27% | 9.50% | 10.13% | 12.31% | — | — | — |
ROE
|
First Community Corporation (FCCO), a Carolinas-focused regional bank, has delivered impressive revenue growth—more than doubling to $103 million by 2024—and resilient profitability, with net income up 108% since 2016 and ROE consistently outperforming peers at around 10%. A dramatic balance sheet deleveraging, slashing debt 93% to $14.9 million while building a $150 million cash hoard, has fortified it against post-2023 banking stresses like SVB. The stock’s recent breakout above prior highs aligns with analyst targets implying 14-20% upside, fueled by efficiency gains and a rare insider buy.
Yet, momentum masks significant headwinds: gross margins have cratered 34% since 2021 amid Fed rate cuts and deposit competition, with forecasts predicting a sharp 24% revenue drop in 2025 before a rebound. Volatile cash flows, negative free cash flow in three of the last eight years, and eroding EBT margins signal fragility, especially if recession hits loan demand in cooling regional economies. Valuation appears cheap on forward multiples, but unsustainable ROIC spikes and sparse insider activity temper the bull case.
While analysts project 20%+ EPS growth through 2027, downside risks like persistent margin compression and FCF volatility could trigger a 10-15% pullback. FCCO suits steady holders, but prudent investors should monitor cash flows and margins closely before chasing the rally.
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