First Community Corporation (FCCO)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Community Corporation (FCCO) trades at $32.82 with AI Score 64/100 (Grade B+). First Community Corporation operates as the bank holding company for First Community Bank, providing commercial and retail banking services. Market cap: $251.52M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for FCCO: FCCO does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FCCO against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FCCO: 6/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →First Community Corporation (FCCO) Financial Services Profile
First Community Corporation, a regional bank holding company with a $251.52M market cap, offers commercial and retail banking services through First Community Bank. Operating across South Carolina and Georgia, the company serves small-to-medium businesses and individuals with a focus on community banking and investment services, demonstrating a 2.11% dividend yield.
What Is the Investment Thesis for FCCO?
First Community Corporation presents a compelling investment case driven by its strong regional presence and diversified service offerings. With a market capitalization of $251.52M and a P/E ratio of 10.1, the company demonstrates solid profitability, supported by a gross margin of 68.5% and a profit margin of 18.0%. The company's dividend yield of 2.11% offers an attractive income stream for investors. Growth catalysts include expansion within its existing markets and strategic investments in technology to enhance online banking and customer service. However, potential risks include interest rate sensitivity and competition from larger national banks. The company's beta of 0.34 suggests lower volatility compared to the broader market, making it a potentially stable addition to an investment portfolio. Successful execution of its growth strategies and effective management of interest rate risk are critical for sustained value creation.
Based on FMP financials and quantitative analysis
FCCO Key Highlights
- Market Cap of $251.52M indicates a solid valuation within the regional banking sector.
- P/E ratio of 10.1 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 18.0% demonstrates strong profitability and efficient operations.
- Gross Margin of 68.5% highlights the company's ability to manage costs effectively.
- Dividend Yield of 2.11% provides an attractive income stream for investors, enhancing the stock's appeal.
Who Are FCCO's Competitors?
FCCO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PBHC Pathfinder Bancorp, Inc. | $16.01 | -0.87% | $98.94M | 47 |
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489.27M | 59 |
| TCBI Texas Capital Bancshares, Inc. | $105.25 | +1.25% | $4.60B | 93 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| DNSKF Danske Bank A/S | $53.58 | -2.14% | $43.33B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FCCO's Key Strengths?
- Strong regional presence in South Carolina and Georgia.
- Diversified service offerings including banking, investment, and insurance.
- Focus on personalized service and community engagement.
- Solid profitability with a profit margin of 18.0%.
What Are FCCO's Weaknesses?
- Limited geographic reach compared to larger national banks.
- Potential sensitivity to interest rate changes.
- Reliance on traditional banking services.
- Smaller market capitalization compared to larger competitors.
What Could Drive FCCO Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Continued expansion within existing markets through new branch openings.
- Investments in digital banking platforms to attract and retain customers.
- Potential acquisitions of smaller community banks or credit unions.
What Are the Key Risks for FCCO?
- Financial-distress signal — its Altman Z-Score of 0.18 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns affecting loan demand and credit quality.
- Increasing competition from larger national banks and fintech companies.
- Regulatory changes impacting capital requirements and compliance costs.
- Cybersecurity threats and data breaches.
- Sensitivity to interest rate changes impacting net interest margin.
What Are the Growth Opportunities for FCCO?
- Expansion within Existing Markets: First Community Corporation can deepen its market penetration in South Carolina and Georgia by opening new branches and expanding its customer base. The Southeast region is experiencing economic growth, creating opportunities for increased lending and deposit growth. Timeline: Ongoing, with potential for significant impact within the next 3-5 years. Competitive Advantage: Established brand recognition and local market expertise.
- Enhanced Digital Banking Services: Investing in technology to improve online and mobile banking platforms can attract younger customers and enhance customer convenience. This includes offering user-friendly interfaces, mobile payment options, and personalized financial advice. Market Size: The digital banking market is rapidly growing, with increasing adoption rates among all age groups. Timeline: Ongoing, with continuous improvements expected over the next 1-3 years. Competitive Advantage: Improved customer satisfaction and retention.
- Strategic Acquisitions: Acquiring smaller community banks or credit unions in adjacent markets can expand First Community Corporation's geographic footprint and customer base. This can lead to economies of scale and increased market share. Market Size: The market for community bank acquisitions is active, with numerous opportunities available. Timeline: Opportunistic, with potential acquisitions occurring within the next 2-4 years. Competitive Advantage: Increased market presence and diversification.
- Cross-Selling Opportunities: Leveraging its existing customer relationships to cross-sell additional products and services, such as investment advisory services and insurance products, can increase revenue per customer. Market Size: Significant potential exists to increase revenue from existing customers through cross-selling. Timeline: Ongoing, with continuous efforts to promote cross-selling. Competitive Advantage: Strong customer relationships and trust.
- Focus on Small-to-Medium Sized Businesses: Targeting small-to-medium sized businesses with tailored financial solutions, such as commercial loans, cash management services, and online banking platforms, can drive loan growth and fee income. Market Size: The small-to-medium sized business market is underserved by larger banks, creating opportunities for community banks. Timeline: Ongoing, with continuous efforts to attract and retain small business customers. Competitive Advantage: Personalized service and local market expertise.
What Opportunities Does FCCO Have?
- Expansion within existing markets through new branches and customer acquisition.
- Enhanced digital banking services to attract younger customers.
- Strategic acquisitions of smaller community banks or credit unions.
- Cross-selling opportunities to increase revenue per customer.
What Threats Does FCCO Face?
- Increasing competition from larger national banks and fintech companies.
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes impacting capital requirements and compliance costs.
- Cybersecurity threats and data breaches.
What Are FCCO's Competitive Advantages?
- Strong regional presence in South Carolina and Georgia.
- Focus on personalized service and community engagement.
- Diversified service offerings including banking, investment, and insurance.
What Does FCCO Do?
First Community Corporation, established in 1994 and headquartered in Lexington, South Carolina, functions as the bank holding company for First Community Bank. The bank provides a comprehensive suite of commercial and retail banking products and services tailored to small-to-medium sized businesses, professional firms, and individual clients. Its operations are divided into Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. First Community Bank offers a variety of deposit products, including checking, NOW, savings, and individual retirement accounts, alongside demand deposits and time deposits like daily money market accounts and longer-term certificates of deposit. The bank's loan portfolio encompasses commercial loans for working capital, business expansion, and equipment purchases, as well as consumer loans for automobiles, home improvements, education, and personal investments. Real estate construction and acquisition loans, along with fixed and variable rate mortgage loans, are also integral to its offerings. Beyond traditional banking services, First Community Corporation provides online and internet banking, cash management, safe deposit boxes, travelers checks, direct deposit, and automatic drafts. The company also extends non-deposit investment products, investment brokerage services, VISA and MasterCard credit card services, investment advisory services, and insurance services. With 21 full-service offices across South Carolina and Georgia, First Community Corporation maintains a strong regional presence, emphasizing personalized service and community engagement.
What Products and Services Does FCCO Offer?
- Provides commercial and retail banking services.
- Offers checking, savings, and retirement accounts.
- Provides commercial loans for business expansion.
- Offers consumer loans for various needs.
- Provides real estate and mortgage loans.
- Offers online and mobile banking services.
- Provides investment advisory and insurance services.
How Does FCCO Make Money?
- Generates revenue through interest income from loans.
- Earns fee income from services like online banking and investment advisory.
- Manages deposits and provides banking services to individuals and businesses.
What Industry Does FCCO Operate In?
First Community Corporation operates within the regional banking sector, which is characterized by increasing competition and evolving customer expectations. The industry is undergoing digital transformation, with banks investing heavily in online and mobile banking platforms. The competitive landscape includes larger national banks and smaller community banks, each vying for market share. First Community Corporation differentiates itself through its focus on personalized service and community engagement. The regional banking sector is expected to grow modestly, driven by economic expansion in the Southeast and increasing demand for financial services from small-to-medium sized businesses.
Who Are FCCO's Key Customers?
- Small-to-medium sized businesses.
- Professional concerns.
- Individual clients.
ROE 12%Key Financial Metrics
Return on equity for First Community Corporation stands at 11.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. FCCO trades at a trailing price-to-earnings ratio of 10.13, below the Financial Services sector average of ~18x. Its free cash flow yield is 3.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.35 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.9%, the inverse of the P/E and a quick read on earnings relative to price.
First Community Corporation (FCCO) Valuation Context
Valued at $251.52M, FCCO is classified as a micro-cap stock. Relative to its peer group, FCCO's quantitative score of 64/100 is roughly in line with the peer average of 68/100.
Company Profile
First Community Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Lexington, US. The company is led by CEO Michael C. Crapps. FCCO has traded publicly since 1999.
F-Score 6/9Financial Health
First Community Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.18 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project First Community Corporation revenue of about $99.5M for fiscal 2026, with EPS near $2.93.
Net buyingInsider Activity
Over the past six months, First Community Corporation insiders filed 30 SEC Form 4 transactions — 5 sales and 25 purchases. On net that is roughly 36K shares acquired (about $154K) — insiders putting money in tends to read as conviction.
FCCO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that leadership believes in its potential.
- Community sentiment has shown a positive shift, with discussions highlighting the company's strong local presence and customer loyalty.
- Analysts are noting improvements in operational efficiency, which could enhance profitability and attract more investors.
- The overall economic environment in the region is favorable, leading to increased lending opportunities for community-focused banks.
Bear Case
- Some investors express concerns about the competitive landscape, with larger banks encroaching on First Community's market share.
- Recent community sentiment reflects worries about potential regulatory changes that could impact profitability.
- There are whispers of rising interest rates, which could squeeze margins and affect loan demand negatively.
- Bearish views highlight the company's dependency on local economic conditions, making it vulnerable to downturns in its primary markets.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FCCO Latest News
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First Community Corporation Looks Like The Right Bank In The Right Place
seekingalpha.com · Jun 3, 2026
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Stocks That Hit 52-Week Lows On Thursday
benzinga · May 11, 2023
FCCO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FCCO.
Price Targets
Wall Street price target analysis for FCCO.
FCCO MoonshotScore
What does this score mean?
The MoonshotScore rates FCCO's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest First Community Corporation Analysis
Leadership: Michael C. Crapps
CEO
Michael C. Crapps serves as the CEO of First Community Corporation, bringing extensive experience in the financial services industry. His career includes various leadership roles within the banking sector, focusing on strategic planning, risk management, and business development. Crapps is known for his deep understanding of community banking and his commitment to fostering strong customer relationships. He has been instrumental in guiding First Community Corporation through periods of growth and change.
Track Record: Under Michael Crapps' leadership, First Community Corporation has expanded its market presence in South Carolina and Georgia. Key achievements include the successful integration of acquired banks, the implementation of enhanced digital banking platforms, and the maintenance of strong asset quality. Crapps has also focused on improving operational efficiency and enhancing shareholder value, contributing to the company's consistent profitability and growth.
What Investors Ask About First Community Corporation (FCCO) — Financial Services
What does First Community Corporation do?
First Community Corporation operates as the bank holding company for First Community Bank, providing a range of commercial and retail banking services. The company focuses on serving small-to-medium sized businesses, professional firms, and individual clients across South Carolina and Georgia. Its services include deposit accounts, commercial and consumer loans, mortgage banking, and investment advisory services. The company aims to provide personalized financial solutions and build long-term relationships within the communities it serves.
What do analysts say about FCCO stock?
Analyst coverage of First Community Corporation (FCCO) typically focuses on its regional banking operations and financial performance. Key valuation metrics such as P/E ratio and dividend yield are closely monitored. Growth considerations include the company's ability to expand its market presence, manage interest rate risk, and maintain asset quality. Analyst consensus generally reflects a neutral to positive outlook, contingent on the company's ability to execute its growth strategies and navigate the competitive landscape effectively. There are no explicit buy or sell recommendations provided.
What are the main risks for FCCO?
First Community Corporation faces several key risks, including interest rate sensitivity, which can impact its net interest margin. Economic downturns in its operating regions could affect loan demand and credit quality. Increasing competition from larger national banks and fintech companies poses a threat to market share. Regulatory changes and compliance costs can also impact profitability. Additionally, cybersecurity threats and data breaches represent ongoing risks to the company's operations and reputation. Effective risk management is crucial for sustained performance.
What regulatory challenges does First Community Corporation face?
As a bank holding company, First Community Corporation is subject to extensive regulatory oversight from agencies such as the Federal Reserve and the FDIC. These regulations govern capital requirements, lending practices, and compliance procedures. The company must maintain adequate capital reserves to mitigate risks and comply with evolving regulatory standards. Compliance costs associated with these regulations can be significant, impacting profitability. Furthermore, changes in regulatory policies can create uncertainty and require adjustments to business strategies. Effective management of regulatory compliance is essential for maintaining stability and growth.
How sensitive is FCCO to interest rate changes?
First Community Corporation's profitability is sensitive to changes in interest rates, as its net interest margin (NIM) is affected by the spread between the interest rates it earns on loans and the rates it pays on deposits. Rising interest rates can increase NIM if loan rates adjust faster than deposit rates. Conversely, falling rates can compress NIM if deposit rates do not decline as quickly as loan rates. The company actively manages its interest rate risk through various strategies, including adjusting its asset and liability mix and using hedging instruments. Monitoring and managing interest rate sensitivity is crucial for maintaining stable earnings.
What are the key factors to evaluate for FCCO?
First Community Corporation (FCCO) holds an AI score of 64/100 (moderate). P/E: 10.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FCCO data refresh on this page?
FCCO prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FCCO's recent stock price performance?
First Community Corporation (FCCO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in South Carolina and Georgia. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The information provided is based on available data and is intended for informational purposes only. It does not constitute investment advice. Investors should conduct their own research and due diligence before making any investment decisions.