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

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