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First Community Corporation

FCCO Financial Banks Regional

First Community Corporation’s revenue for fiscal 2025 (year ended December 2025) was $114.0 million, up 10.2% from fiscal 2024.

Revenue
+22.7%
EPS
+19.1%
Free cash flow
−1,807.9%
Total debt
0.00%

Quarter to June 2026, against a year earlier

32.98 0.37 +1.13%
Market cap
$306.5M
P/E
12.0×
Fwd P/E
10.8×
Dividend yield
2.02%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.06
Sold, $m 1.15
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — 1 — — —
Sell — — — — — — — 1 1 1 1 —
Insider Ownership 8.82%

Capital & Financial Ratios $m

Size
Market Cap 306.53
Revenue ttm 126.20
Net income ttm 23.12
Free cash flow ttm 6.57
Net debt Q (147.22)
Valuation
P/E 11.99
Forward P/E 10.80
Price / sales 2.42
Forward P/S Powerpack
Price / FCF 46.46
Price / book 1.34
Financial health
Current ratio Q 0.82
Debt / equity Q 0.07
Interest coverage Q —
Growth
Revenue growth Q +22.67% (above 0%: growing)
Operating income growth Q +48.05% (above 0%: growing)
EPS, this year +20.14% (at or above 15%: strong)
EPS, next year A +5.08%
Revenue, next year A −12.02% (below 0%: weak)
EPS, past 5 yrs +12.84%
EPS, next 5 yrs A +11.56%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 42.46%
10-year low 10-year high
P/S against its own 10 years 47.78%
10-year low 10-year high
P/B against its own 10 years 70.99%
10-year low 10-year high

Dividends raised 5 years running

Yield
2.02%
Annual rate
0.66
Payout ratio
24.6%
Growth, 2018–26
+6.46%/yr
  1. 0.40 ’18
  2. 0.44 ’19 +10
  3. 0.48 ’20 +9
  4. 0.48 ’21 +0
  5. 0.52 ’22 +8
  6. 0.56 ’23 +8
  7. 0.58 ’24 +4
  8. 0.62 ’25 +7
  9. 0.66 ’26 +6
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 95 150 161 162
Receivables — — — —
Inventory — — — —
Other — — — —
1,221 1,367 1,469 1,734
2023 2024 2025 Q'26
Payables 1,511 1,676 1,750 2,025
ST’ Debt — — — —
Other — — — —
1,574 1,779 1,857 2,121

Compound Annual Growth %

10y 5y 3y
Sales 11.73% 14.65% 22.06%
Cash Flow 2.56% 0.00% (5.47%)
Earnings 12.10% 13.72% 9.54%
Book Value 7.80% 4.21% 12.28%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.80 Actual 0.86

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.67 0.69 Beat by 0.02
Q1 FY26 0.64 0.72 Beat by 0.08
Q2 FY26 0.69 0.84 Beat by 0.15
Q3 FY26 0.80 0.86 Beat by 0.06
Q4 FY26 0.82 — Reports 27 January 2027

EPS $

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
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 33 35 — — —
’25 27 28 29 29 114
’24 24 26 27 27 103
’23 18 21 21 24 83
’22 15 15 16 18 63
’21 15 15 17 15 61
’20 14 14 15 15 58
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (2) (2) — — —
’25 6 0 9 3 19
’24 5 0 11 (4) 12
’23 4 (3) 3 9 13
’22 (2) 10 9 4 22
’21 26 15 13 4 58
’20 3 (15) (4) (1) (17)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (2) (2) — — —
’25 6 0 9 3 18
’24 4 (1) 11 (4) 11
’23 3 (4) 3 9 12
’22 (2) 10 9 4 22
’21 26 15 13 4 59
’20 2 (15) (4) (1) (18)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 38 42 50 54 58 61 63 83 103 114 126 +12.8% 100 107 113 (0.3%)
Gross margin, % 92.07 93.39 92.10 89.37 93.47 96.35 94.94 71.36 63.86 69.27 70.81 (22.8) pt
EBT 9 9 14 14 13 20 18 15 18 25 29 +12.2%
EBT margin, % 23.02 21.88 27.64 25.44 21.89 31.99 29.37 18.09 17.18 21.81 22.72 (1.2) pt
Net income 7 6 11 11 10 15 15 12 14 19 23 +12.4%
Per share, $
Per share, $ Revenue 5.81 6.10 6.64 7.24 7.73 8.20 8.33 10.98 13.58 14.88 13.47 +11.0%
Earnings 1.01 0.85 1.48 1.46 1.36 2.06 1.94 1.56 1.83 2.51 2.72 +10.6%
Cash flow 0.78 2.68 2.63 0.64 (2.29) 7.73 2.94 1.72 1.53 2.44 0.81 +13.6%
Capex (0.19) (0.45) (0.04) (0.33) (0.15) 0.08 (0.02) (0.14) (0.14) (0.14) (0.11) (3.1%)
Free cash flow 0.59 2.23 2.59 0.31 (2.44) 7.82 2.91 1.58 1.38 2.30 0.70 +16.3%
Book value 12.37 15.43 14.84 16.00 18.31 18.82 15.72 17.32 18.97 21.87 24.34 +6.5%
Shares, m 7 7 8 8 7 7 8 8 8 8 8 +1.6%
Valuation, ×
Valuation, × P/E 17.60 25.80 13.13 14.80 12.49 10.14 11.15 13.73 13.11 11.81 11.99 14.4
P/S 3.09 3.68 2.92 2.99 2.20 2.55 2.60 1.95 1.77 1.99 2.42 2.6
P/B 1.45 1.46 1.31 1.35 0.93 1.11 1.38 1.24 1.27 1.36 1.34 1.3
EV/Sales 3.53 3.65 2.59 2.39 1.33 1.67 3.04 2.07 0.46 0.71 — 2.1
EV/FCF 34.83 9.97 6.63 55.63 (4.22) 1.75 8.68 14.43 4.55 4.61 — 13.7
Cash, $m
Cash, $m Operating cash flow 5 18 20 5 (17) 58 22 13 12 19 8 +15.4%
Capex (1) (3) 0 (2) (1) 1 0 (1) (1) (1) (1) (1.5%)
Free cash flow 4 15 20 2 (18) 59 22 12 11 18 7 +18.2%
Balance, $m
Balance, $m Working capital (217) (231) (206) (232) (287) (487) (467) (353) (412) (388) (387) +6.7%
Net debt 17 (1) (17) (33) (50) (54) 28 10 (135) (146) (147) n/m
Shareholders’ equity 82 106 112 120 136 141 118 131 144 168 228 +8.3%
Returns, %
Returns, % ROA 0.75 0.59 1.05 0.97 0.79 1.04 0.90 0.68 0.74 0.96 1.05 +0.2 pt
ROIC 5.59 6.05 9.12 9.86 9.12 14.12 7.89 6.65 115.33 76.08 24.59 +70.5 pt
ROE 8.31 6.20 10.29 9.43 7.87 11.15 11.27 9.50 10.13 12.31 12.06 +4.0 pt
People
People Employees 202 224 226 242 244 250 269 282 270 282 — +3.8%
Revenue/emp, $m 0.19 0.19 0.22 0.22 0.24 0.25 0.23 0.29 0.38 0.40 — +8.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First Community Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CBNA Chain Bridge Bancorp, Inc. $329.7M 12.2× 9.8× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $323.2M 13.2× 11.8× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00% Compare
FRAF Franklin Financial Services Corp. $313.1M 12.8× 12.2× +1.12% (above 0%: growing) +11.36% (above 0%: growing) +20.95% (above 0%: growing) 71.88% 0.00% Compare
NEWT NewtekOne, Inc. $308.3M 4.8× 6.2× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56% Compare
FCCO First Community Corporation $306.5M 12.0× 10.8× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00%
ATLO Ames National Corporation $301.5M 13.1× 11.8× +7.68% (above 0%: growing) +31.37% (above 0%: growing) −13.26% (below 0%: shrinking) 73.46% 0.00% Compare
MYFW First Western Financial, Inc. $300.4M 14.1× 12.9× +0.29% (above 0%: growing) +84.85% (above 0%: growing) −26.07% (below 0%: shrinking) 57.81% 0.00% Compare
FUNC First United Corporation $295.0M 11.7× 10.8× +4.79% (above 0%: growing) +3.97% (above 0%: growing) +1,978.11% (above 0%: growing) 77.40% 0.00% Compare
FVCB Fvcbankcorp, Inc. $293.8M 10.9× 10.5× +9.18% (above 0%: growing) +19.35% (above 0%: growing) −23.59% (below 0%: shrinking) 64.10% 0.00% Compare
Median of peers $304.9M 12.5× 11.3× +8.43% +25.36% +2.53% 72.67% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Ownership

Directors and executive officers, together 8.84%
Fourthstone LLC 5.72%
BlackRock, Inc. 5.53%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

First Community Corporation (FCCO) Latest News

22 Oct

Impact 4 · · Zacks
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Impact 3 · · Simply Wall St.
Impact 3 · · PR Newswire

21 Oct

Impact 4 · · PR Newswire earnings
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5 Oct

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22 Jul

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15 Jul

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22 Apr

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Impact 3 · · PR Newswire

20 Mar

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29 Jan

Impact 4 · · Zacks

28 Jan

Impact 4 · · Zacks
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9 Jan

Impact 4 · · PR Newswire

23 Dec

Impact 4 · · ZacksZacks

23 Oct

Impact 4 · · Simply Wall St.

13 Oct

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26 Sep

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24 Sep

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10 Sep

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8 Sep

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25 Aug

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20 Aug

Impact 4 · · Zacks
stockrow.com/FCCO · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com