Saturday 17 October 2026
Export FCCO’s income statement to Excel — free account
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%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | 12.66 | 16.10 | 18.54 | 17.08 | 12.23 | 16.18 | 16.97 | 16.30 | 15.40 | 19.46 |
Analyst estimates 2026–2028 Powerpack |
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| High | 18.95 | 24.87 | 26.25 | 22.79 | 21.89 | 23.42 | 22.00 | 22.25 | 26.48 | 31.50 | |||||
| People | |||||||||||||||
| People | Employees | 202 | 224 | 226 | 242 | 244 | 250 | 269 | 282 | 270 | 282 | ||||
| Revenue/emp, $m | 0.19 | 0.19 | 0.22 | 0.22 | 0.24 | 0.25 | 0.23 | 0.29 | 0.38 | 0.40 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | 38 | 42 | 50 | 54 | 58 | 61 | 63 | 83 | 103 | 114 | ||||
| Gross margin, % | 92.07 | 93.39 | 92.10 | 89.37 | 93.47 | 96.35 | 94.94 | 71.36 | 63.86 | 69.27 | |||||
| EBT | 9 | 9 | 14 | 14 | 13 | 20 | 18 | 15 | 18 | 25 | |||||
| EBT margin, % | 23.02 | 21.88 | 27.64 | 25.44 | 21.89 | 31.99 | 29.37 | 18.09 | 17.18 | 21.81 | |||||
| Net income | 7 | 6 | 11 | 11 | 10 | 15 | 15 | 12 | 14 | 19 | |||||
| Depreciation | 6 | 5 | 4 | 4 | 4 | 4 | 3 | (1) | (2) | (2) | |||||
| 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 | ||||
| Earnings | 1.01 | 0.85 | 1.48 | 1.46 | 1.36 | 2.06 | 1.94 | 1.56 | 1.83 | 2.51 | |||||
| Cash flow | 0.78 | 2.68 | 2.63 | 0.64 | (2.29) | 7.73 | 2.94 | 1.72 | 1.53 | 2.44 | |||||
| Capex | (0.19) | (0.45) | (0.04) | (0.33) | (0.15) | 0.08 | (0.02) | (0.14) | (0.14) | (0.14) | |||||
| Free cash flow | 0.59 | 2.23 | 2.59 | 0.31 | (2.44) | 7.82 | 2.91 | 1.58 | 1.38 | 2.30 | |||||
| Book value | 12.37 | 15.43 | 14.84 | 16.00 | 18.31 | 18.82 | 15.72 | 17.32 | 18.97 | 21.87 | |||||
| Shares, m | 7 | 7 | 8 | 8 | 7 | 7 | 8 | 8 | 8 | 8 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | 17.60 | 25.80 | 13.13 | 14.80 | 12.49 | 10.14 | 11.15 | 13.73 | 13.11 | 11.81 | ||||
| P/S | 3.09 | 3.68 | 2.92 | 2.99 | 2.20 | 2.55 | 2.60 | 1.95 | 1.77 | 1.99 | |||||
| P/B | 1.45 | 1.46 | 1.31 | 1.35 | 0.93 | 1.11 | 1.38 | 1.24 | 1.27 | 1.36 | |||||
| EV/Sales | 3.53 | 3.65 | 2.59 | 2.39 | 1.33 | 1.67 | 3.04 | 2.07 | 0.46 | 0.71 | |||||
| EV/FCF | 34.83 | 9.97 | 6.63 | 55.63 | (4.22) | 1.75 | 8.68 | 14.43 | 4.55 | 4.61 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | 5 | 18 | 20 | 5 | (17) | 58 | 22 | 13 | 12 | 19 | ||||
| Capex | (1) | (3) | 0 | (2) | (1) | 1 | 0 | (1) | (1) | (1) | |||||
| Free cash flow | 4 | 15 | 20 | 2 | (18) | 59 | 22 | 12 | 11 | 18 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | (217) | (231) | (206) | (232) | (287) | (487) | (467) | (353) | (412) | (388) | ||||
| Total debt | 39 | 29 | 15 | 15 | 15 | 15 | 65 | 105 | 15 | 15 | |||||
| Net debt | 17 | (1) | (17) | (33) | (50) | (54) | 28 | 10 | (135) | (146) | |||||
| Shareholders’ equity | 82 | 106 | 112 | 120 | 136 | 141 | 118 | 131 | 144 | 168 | |||||
| Returns, % | |||||||||||||||
| Returns, % | 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 | |||||
| ROE | 8.31 | 6.20 | 10.29 | 9.43 | 7.87 | 11.15 | 11.27 | 9.50 | 10.13 | 12.31 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
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. | $324.9M | 12.1× | 7.7× | +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. | $321.6M | 13.2× | 11.7× | +10.02% (above 0%: growing) | +38.89% (above 0%: growing) | −31.74% (below 0%: shrinking) | 60.20% | 0.00% | Compare |
| COSO CoastalSouth Bancshares, Inc. | $319.7M | 11.5× | 11.2× | +6.47% (above 0%: growing) | +5.17% (above 0%: growing) | +158.51% (above 0%: growing) | 63.95% | 0.00% | Compare |
| FVCB Fvcbankcorp, Inc. | $316.1M | 12.2× | 11.0× | +9.18% (above 0%: growing) | +48.39% (above 0%: growing) | +172.27% (above 0%: growing) | 64.10% | 0.00% | Compare |
| NEWT NewtekOne, Inc. | $316.0M | 4.9× | 5.6× | +14.68% (above 0%: growing) | −9.43% (below 0%: shrinking) | +18.31% (above 0%: growing) | 100.00% | 70.56% | Compare |
| FCCO First Community Corporation | $304.5M | 12.0× | 11.2× | +22.67% (above 0%: growing) | +19.12% (above 0%: growing) | −1,807.94% (below 0%: shrinking) | 72.21% | 0.00% | |
| BPRN Princeton Bancorp, Inc. | $295.6M | 11.5× | 9.7× | −2.61% (below 0%: shrinking) | +940.00% (above 0%: growing) | −38.15% (below 0%: shrinking) | 65.93% | 0.00% | Compare |
| MYFW First Western Financial, Inc. | $287.7M | 15.5× | 12.3× | +10.12% (above 0%: growing) | +126.92% (above 0%: growing) | +216.45% (above 0%: growing) | 58.35% | 0.00% | Compare |
| ATLO Ames National Corporation | $284.8M | 12.5× | 11.0× | +7.68% (above 0%: growing) | +31.37% (above 0%: growing) | −13.26% (below 0%: shrinking) | 73.46% | 0.00% | Compare |
| Median of peers | $316.1M | 12.1× | 11.0× | +9.60% | +43.64% | +82.91% | 65.02% | 0.00% |
First Community Corporation (FCCO) key facts
- Strength: First Community Corporation’s revenue for fiscal 2025 (year ended December 2025) was $114.0 million, up 10.2% from fiscal 2024.
- Strength: Net income was $19.2 million, or $2.51 per share (basic), a net margin of 16.9%.
- First Community Corporation (FCCO) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- As of October 16, 2026, FCCO traded at $32.54, a market capitalization of $304.5 million.
- At that price the stock trades at 12.0× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 42% of its own readings over the past ten years.
- First Community Corporation pays an annual dividend of $0.65 per share, a yield of 2.00%, with a payout ratio of 24.3%.
- Return on equity was 12.3% and debt-to-equity 0.07.
- Its Piotroski F-score is 7 out of 9 for fiscal 2025.