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. In the quarter to June 2026, revenue grew 22.7%, EPS grew 19.1%, free cash flow fell 1,807.9% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.

32.54 0.15 +0.46%
Market cap
$304.5M
P/E
12.0×
Fwd P/E
11.2×
Dividend yield
2.00%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
17.60 25.80 13.13 14.80 12.49 10.14 11.15 13.73 13.11 11.81
Piotroski F-Score
6 6 7 5 4 6 4 5 5 7
P/S ratio
3.09 3.68 2.92 2.99 2.20 2.55 2.60 1.95 1.77 1.99
P/FCF ratio
30.47 10.06 7.50 69.56 0.00 2.67 7.42 13.57 17.37 12.90
P/Operating CF
(40.11) 29.65 19.68 80.74 (118.12) 39.20 37.41 17.43 (51.08) 68.44
P/B ratio
1.45 1.46 1.31 1.35 0.93 1.11 1.38 1.24 1.27 1.36
Price to Tangible BV
1.57 1.74 1.54 1.56 1.05 1.25 1.58 1.40 1.41 1.49
EV/Sales
3.53 3.65 2.59 2.39 1.33 1.67 3.04 2.07 0.46 0.71
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
26.44 8.30 6.52 26.90 (4.49) 1.77 8.61 13.24 4.12 4.34
EV/FCF
34.83 9.97 6.63 55.63 (4.22) 1.75 8.68 14.43 4.55 4.61
Quick Ratio
0.03 0.03 0.03 0.05 0.05 0.05 0.03 0.06 0.08 0.09
Current Ratio
0.72 0.75 0.78 0.77 0.77 0.66 0.68 0.78 0.77 0.79
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
4.26% 2.78% 1.39% 1.30% 1.07% 0.94% 3.88% 5.74% 0.76% 0.73%
Debt/Equity
0.48 0.28 0.14 0.13 0.11 0.11 0.55 0.80 0.10 0.09
Asset Turnover
0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.05 0.05 0.06
Operating CF/Net income
0.77 3.16 1.78 0.44 (1.69) 3.75 1.51 1.10 0.83 0.97
Capex/Depreciation
(0.22) (0.61) (0.07) (0.60) (0.27) 0.15 (0.05) 0.92 0.58 0.62
ROE
8.31% 6.20% 10.29% 9.43% 7.87% 11.15% 11.27% 9.50% 10.13% 12.31%
ROA
0.75% 0.59% 1.05% 0.97% 0.79% 1.04% 0.90% 0.68% 0.74% 0.96%
ROIC
5.59% 6.05% 9.12% 9.86% 9.12% 14.12% 7.89% 6.65% 115.33% 76.08%
Return on Tangible Assets
(3.57%) (2.99%) (6.57%) (5.56%) (4.01%) (3.41%) (3.35%) (3.67%) (3.65%) (5.36%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
68.23% 68.43% 63.34% 62.97% 70.96% 64.04% 65.31% 53.08% 46.52% 46.22%
Intangible Assets out of Total Assets
0.01 0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.96% 0.73% 1.02%
Graham Net Nets
(2.22) (1.75) (1.57) (1.61) (2.49) (3.29) (3.35) (2.93) (2.44) (1.85)
Graham Number
16.85 17.38 22.23 22.93 23.67 29.54 26.20 24.65 27.95 35.14
Earnings Yield
5.68% 3.88% 7.62% 6.76% 8.00% 9.87% 8.97% 7.28% 7.63% 8.47%
Free Cash Flow Yield
3.28% 9.94% 13.34% 1.44% (14.33%) 37.43% 13.47% 7.37% 5.76% 7.75%
Revenue per Share
5.81 6.10 6.64 7.24 7.73 8.20 8.33 10.98 13.58 14.88
Operating CF per Share
0.78 2.68 2.63 0.64 (2.29) 7.73 2.94 1.72 1.53 2.44
Capex per Share
(0.19) (0.45) (0.04) (0.33) (0.15) 0.08 (0.02) (0.14) (0.14) (0.14)
Free Cash Flow per Share
0.59 2.23 2.59 0.31 (2.44) 7.82 2.91 1.58 1.38 2.30
Cash per Share
3.32 4.47 4.26 6.35 8.73 9.21 4.97 12.51 19.67 21.02
Shareholders Equity per Share
12.37 15.43 14.84 16.00 18.31 18.82 15.72 17.32 18.97 21.87
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
12.37 15.43 14.84 16.00 18.31 18.82 15.72 17.32 18.97 21.87
Free Cash Flow
3.90 15.28 19.65 2.33 (18.13) 58.55 21.94 11.95 10.53 17.61
Working Capital
(216.95) (230.90) (205.85) (232.25) (286.55) (486.84) (467.42) (352.98) (412.11) (387.72)
Capital Expenditures
(1.24) (3.07) (0.32) (2.49) (1.09) 0.62 (0.18) (1.07) (1.10) (1.08)
Net Current Asset Value
(263.73) (268.38) (231.41) (260.84) (315.26) (514.84) (545.88) (475.75) (446.63) (421.16)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.03 0.07 0.01 0.05 0.02 (0.01) 0.00 0.01 0.01 0.01
Price to Operating Income
13.42 15.24 10.58 11.74 10.04 7.96 8.85 10.78 10.29 8.70
Other line items
Depreciation/Fixed assets
0.19 0.14 0.12 0.12 0.12 0.13 0.11 (0.04) (0.06) (0.06)
Cash ROIC
2.73% 9.23% 12.29% 1.27% (8.38%) 26.02% 9.94% 3.61% 3.40% 5.13%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.02 0.02 0.02
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
91,833.62 117,392.43 84,857.04 62,392.90 115,615.38 221,718.53 159,314.57 23,168.05 16,363.59 18,228.58
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
741.39 827.47 906.92 956.86 1,088.81 1,275.35 1,373.34 1,448.19 1,593.45 1,712.72
Average Assets
888.76 982.76 1,071.16 1,130.94 1,282.83 1,489.95 1,628.73 1,750.32 1,892.85 2,007.88
Average Common Equity
80.45 93.76 109.08 116.35 128.27 138.67 129.68 124.71 137.78 156.03

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