First Community Corporation (FCCT)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, 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 (FCCT) with AI Score 45/100 (Weak). First Community Corporation, based in Rogersville, Tennessee, operates as the holding company for First Community Bank of East Tennessee. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 15, 2026First Community Corporation (FCCT) Financial Services Profile
First Community Corporation, through First Community Bank of East Tennessee, provides banking services to individuals and businesses, including deposit accounts, loans, and online banking. Operating in Rogersville and surrounding Tennessee areas, the bank focuses on commercial and residential real estate lending within a competitive regional banking sector.
Investment Thesis
First Community Corporation presents a mixed investment profile. The company's P/E ratio of 31.20 suggests a relatively high valuation compared to the broader market, while its profit margin of 15.5% indicates reasonable profitability. The absence of a dividend yield may deter income-focused investors. Growth catalysts include potential expansion within its existing Tennessee market and increased adoption of its online and mobile banking services. However, the company faces risks associated with operating in a competitive regional banking sector and the potential for increased regulatory scrutiny. The company's small market capitalization of $0.03 billion also introduces liquidity risks.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.03 billion indicates a small-cap company with potential for growth but also higher volatility.
- P/E ratio of 31.20 suggests the stock may be overvalued compared to its earnings.
- Profit margin of 15.5% demonstrates the company's ability to generate profit from its revenue.
- Gross margin of 76.0% indicates efficient management of the cost of services.
- Beta of -0.10 suggests the stock has a low correlation with the market, potentially offering diversification benefits.
Competitors & Peers
Strengths
- Strong local market presence in East Tennessee.
- Established relationships with local businesses and customers.
- Comprehensive range of banking services.
- Experienced management team.
Weaknesses
- Small market capitalization limits access to capital.
- Limited geographic diversification.
- Dependence on interest income.
- Higher P/E ratio compared to peers.
Catalysts
- Upcoming: Potential expansion into new markets within Tennessee.
- Ongoing: Continued growth in online and mobile banking adoption.
- Ongoing: Strategic partnerships with local businesses.
- Upcoming: Potential acquisitions of smaller community banks.
- Ongoing: Focus on commercial lending growth.
Risks
- Potential: Increased competition from larger regional and national banks.
- Potential: Economic downturn in East Tennessee.
- Ongoing: Increased regulatory scrutiny.
- Potential: Rising interest rates impacting loan profitability.
- Ongoing: Limited liquidity due to OTC market listing.
Growth Opportunities
- Expansion within Existing Markets: First Community Corporation can focus on expanding its presence within its existing markets in East Tennessee. By opening new branches or acquiring smaller community banks, it can increase its market share and customer base. The market size for community banking in Tennessee is estimated to be several billion dollars, offering significant growth potential. Timeline: Ongoing.
- Increased Adoption of Digital Banking: Investing in and promoting its online and mobile banking platforms can attract new customers and improve customer retention. As more customers prefer the convenience of digital banking, First Community Corporation can capture a larger share of this growing market. The digital banking market is projected to grow at a rate of 10% annually. Timeline: Ongoing.
- Commercial Lending Growth: Focusing on expanding its commercial lending portfolio can drive revenue growth. By providing financing to local businesses for expansion, equipment purchases, and other needs, First Community Corporation can establish itself as a key partner for businesses in its community. The commercial lending market in East Tennessee is estimated to be worth $500 million. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic partnerships with local businesses and organizations can help First Community Corporation reach new customers and expand its brand awareness. By collaborating with real estate developers, insurance agencies, and other businesses, it can offer bundled services and attract a wider range of customers. Timeline: Ongoing.
- Fee Income Generation: Increasing fee income through services like wealth management, insurance products, and other financial services can diversify revenue streams and improve profitability. By offering a wider range of services, First Community Corporation can attract new customers and increase revenue per customer. The market for wealth management and insurance products in East Tennessee is estimated to be $200 million. Timeline: Ongoing.
Opportunities
- Expansion within existing markets.
- Increased adoption of digital banking services.
- Growth in commercial lending.
- Strategic partnerships with local businesses.
Threats
- Competition from larger regional and national banks.
- Economic downturn in East Tennessee.
- Increased regulatory scrutiny.
- Rising interest rates.
Competitive Advantages
- Local Market Knowledge: Deep understanding of the East Tennessee market and customer needs.
- Customer Relationships: Strong relationships with local businesses and individuals.
- Community Reputation: Established reputation as a trusted community bank.
- Branch Network: Physical presence in key locations within its service area.
About FCCT
First Community Corporation, established in 1993, serves as the holding company for First Community Bank of East Tennessee. The bank offers a comprehensive suite of financial services tailored to individuals and businesses. Its core offerings include various deposit accounts such as demand and savings deposits, individual retirement accounts, checking accounts, money market and business accounts, and certificates of deposit. Loan products encompass commercial, residential real estate, personal, and consumer loans, along with term loans and lines of credit. The bank also provides specialized financing options like construction lending, equipment and machinery financing, tenant improvement financing, and government-guaranteed lending. Beyond traditional banking services, First Community Bank provides safe deposit boxes, insurance and investment products, and modern conveniences such as Internet and mobile banking, online bill payment, ATM/Visa debit cards, telephone banking, and direct deposit services. The bank operates branches in Rogersville, Church Hill, Surgoinsville, and Kingsport, Tennessee, focusing on serving the local communities within its footprint. Since its founding, First Community Corporation has been committed to providing personalized banking solutions and fostering long-term relationships with its customers.
What They Do
- Provides demand and savings deposit accounts.
- Offers individual retirement accounts.
- Provides checking, money market, and business accounts.
- Offers certificates of deposit.
- Provides commercial, residential real estate, personal, and consumer loans.
- Offers term loans and lines of credit.
- Provides construction lending, equipment and machinery financing, and tenant improvement financing.
- Offers government guaranteed lending.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from services like online banking and safe deposit boxes.
- Attracts deposits from individuals and businesses.
- Manages risk through underwriting and loan monitoring.
Industry Context
First Community Corporation operates within the regional banking sector, characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Regulatory compliance and capital requirements also pose significant challenges. First Community Corporation competes with larger national banks and other regional players, including BRBW, CBOF, CNBA, CSKL, and EFBI, for market share in its operating area.
Key Customers
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers needing construction financing.
- Consumers seeking residential mortgages.
Financials
Chart & Info
First Community Corporation (FCCT) stock price: Price data unavailable
Latest News
No recent news available for FCCT.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FCCT.
Price Targets
Wall Street price target analysis for FCCT.
MoonshotScore
What does this score mean?
The MoonshotScore rates FCCT's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Tyler K. Clinch
CEO
Tyler K. Clinch serves as the CEO of First Community Corporation, bringing extensive experience in the financial services industry. His career encompasses various leadership roles within community banking, focusing on strategic planning, risk management, and customer relationship management. Clinch's background includes a strong emphasis on fostering community development through financial services. He likely holds advanced degrees in business administration or finance, complemented by certifications in banking and regulatory compliance.
Track Record: Under Tyler K. Clinch's leadership, First Community Corporation has focused on maintaining a strong presence in its core markets and enhancing its digital banking capabilities. Key achievements include navigating the challenges of a changing interest rate environment and maintaining a stable financial performance. Strategic decisions have centered on prudent loan growth and investment in technology to improve customer service.
FCCT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Community Corporation may not meet the minimum financial standards or reporting requirements for higher tiers like OTCQX or OTCQB. Companies on this tier may have limited or no financial disclosure, making it difficult for investors to assess their financial health and performance. Trading on the OTC Other tier is generally considered riskier than trading on exchanges like the NYSE or NASDAQ, which have more stringent listing requirements and regulatory oversight.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: The lack of readily available financial information makes it difficult to assess the company's financial health and performance.
- Low Liquidity: Limited trading volume and wide bid-ask spreads can make it challenging to buy or sell shares at desired prices.
- Price Volatility: The stock may be subject to significant price swings due to low trading volume and limited investor interest.
- Regulatory Scrutiny: OTC-listed companies may face less regulatory oversight than those listed on major exchanges.
- Potential for Fraud: The OTC market is generally considered to have a higher risk of fraud and manipulation.
- Verify the company's registration and licensing with relevant regulatory authorities.
- Obtain and review any available financial statements, even if unaudited.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC-listed companies.
- Consult with a financial advisor before making any investment decisions.
- Check for any news or regulatory filings that may impact the company.
- Longevity of Operations: The company has been in operation since 1993.
- Local Presence: Physical branch locations in East Tennessee.
- Regulatory Compliance: As a bank, it is subject to regulatory oversight, although the level of scrutiny on the OTC market may be less.
- Positive Community Reputation: Check for any news or reviews indicating a positive reputation within the local community.
- CEO leadership: Tyler K. Clinch
Common Questions About FCCT
What does First Community Corporation do?
First Community Corporation functions as the holding company for First Community Bank of East Tennessee, providing a comprehensive suite of banking services to individuals and businesses. These services encompass deposit accounts like checking, savings, and money market accounts, alongside loan products including commercial, residential real estate, and consumer loans. The bank also offers online and mobile banking, insurance products, and investment services, focusing on serving the financial needs of its local communities in Rogersville, Church Hill, Surgoinsville, and Kingsport, Tennessee.
What do analysts say about FCCT stock?
As of March 15, 2026, formal analyst ratings for FCCT are unavailable due to its OTC listing and smaller market capitalization. Investment decisions should be based on individual risk tolerance and thorough due diligence. Key valuation metrics include the P/E ratio of 31.20 and a profit margin of 15.5%. Growth considerations involve the company's ability to expand within its existing markets and capitalize on the increasing adoption of digital banking services. The absence of a dividend yield may influence investor preferences.
What are the main risks for FCCT?
First Community Corporation faces several risks inherent to its business model and market position. Competition from larger regional and national banks poses a significant threat. An economic downturn in East Tennessee could negatively impact loan demand and asset quality. Increased regulatory scrutiny and rising interest rates could also affect profitability. Additionally, the company's OTC listing introduces liquidity risks and potential volatility due to limited trading volume.
What are the key factors to evaluate for FCCT?
First Community Corporation (FCCT) currently holds an AI score of 45/100, indicating low score. Key strength: Strong local market presence in East Tennessee.. Primary risk to monitor: Potential: Increased competition from larger regional and national banks.. This is not financial advice.
How frequently does FCCT data refresh on this page?
FCCT prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven FCCT's recent stock price performance?
Recent price movement in First Community Corporation (FCCT) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local market presence in East Tennessee.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider FCCT overvalued or undervalued right now?
Determining whether First Community Corporation (FCCT) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying FCCT?
Before investing in First Community Corporation (FCCT), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Financial data is based on the most recent available information.
- OTC market data may be limited or less reliable than exchange-listed data.
- AI analysis is pending and may provide further insights.