First Community Corporation PFD SER B (FCCTO) Stock Analysis
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 PFD SER B (FCCTO) trades at $7.25 with AI Score 49/100 (Grade C). First Community Corporation PFD SER B operates as a bank holding company, providing commercial banking services to its… Market cap: $17.7M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for FCCTO: FCCTO 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 FCCTO against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FCCTO: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
First Community Corporation PFD SER B (FCCTO) Financial Services Profile
First Community Corporation PFD SER B, a Tennessee-based bank holding company, offers commercial banking services including deposit accounts and various loan products. With a market capitalization of $17.7M and a P/E ratio of 11.29, the company operates within the regional banking sector, characterized by community focus and localized market dynamics.
What Is the Investment Thesis for FCCTO?
First Community Corporation PFD SER B presents a nuanced investment case. The company's stable dividend yield of 2.23% may appeal to income-focused investors. A profit margin of 17.3% indicates reasonable profitability. However, the OTC market listing introduces liquidity and transparency concerns. Growth catalysts include potential expansion within Tennessee and increased adoption of digital banking services. Potential risks include interest rate sensitivity and regulatory compliance costs. Investors should carefully weigh these factors, considering the company's small market capitalization of $17.7M and the inherent risks associated with OTC-traded securities. The company's beta of -0.19 suggests a low correlation with the broader market, potentially offering some downside protection in volatile periods.
Based on FMP financials and quantitative analysis
FCCTO Key Highlights
Market capitalization of $17.7M indicates a small-cap company.
- P/E ratio of 11.29 suggests a potentially undervalued stock compared to industry peers.
- Profit margin of 17.3% demonstrates reasonable profitability.
- Gross margin of 68.1% reflects efficient operations.
- Dividend yield of 2.23% provides income for investors.
Who Are FCCTO's Competitors?
FCCTO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRBW Brunswick Bancorp | $16.00 | +0.00% | $23.6M | 49 |
| CBOF CBOA Financial, Inc. | $2.27 | -1.30% | $23.2M | 49 |
| CFIC Cornerstone Financial Corporation | $8.32 | +21.82% | $18.2M | 49 |
| CNBA Chester Bancorp, Inc. | $5.85 | +0.00% | $26.1M | 45 |
| EFBI Eagle Financial Bancorp, Inc. | $17.32 | -0.52% | $20.8M | 46 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FCCTO's Key Strengths?
Established presence in Tennessee.
- Strong local market knowledge.
- Diverse loan portfolio.
- Stable deposit base.
What Are FCCTO's Weaknesses?
Small market capitalization.
- Limited geographic diversification.
- Dependence on local economy.
- OTC market listing.
What Could Drive FCCTO Stock Higher?
Potential expansion into new markets within Tennessee.
- Increased adoption of digital banking technologies.
- Strategic acquisitions of smaller banks.
- Development of specialized lending products.
- Focus on wealth management services.
What Are the Key Risks for FCCTO?
Financial-distress signal — its Altman Z-Score of -0.54 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks.
- Fluctuations in interest rates.
- Economic downturns in its service areas.
- Regulatory changes affecting the banking industry.
- Risks associated with OTC trading, including lower liquidity and potential for price volatility.
What Are the Growth Opportunities for FCCTO?
- Expansion within Tennessee: First Community Corporation PFD SER B could pursue organic growth by opening new branches or expanding its service offerings within its existing Tennessee market. This strategy would allow the company to leverage its local market expertise and build stronger relationships with customers. The Tennessee banking market is characterized by steady growth, providing opportunities for community banks to increase their market share. Timeline: Ongoing.
- Increased adoption of digital banking services: Investing in digital banking technologies can enhance customer convenience and reduce operating costs. By offering mobile banking, online account management, and other digital services, First Community Corporation PFD SER B can attract and retain customers who prefer these channels. The market for digital banking services is growing rapidly, driven by changing consumer preferences and technological advancements. Timeline: Ongoing.
- Strategic acquisitions: First Community Corporation PFD SER B could consider acquiring smaller banks or financial institutions in adjacent markets to expand its geographic footprint and increase its asset base. Strategic acquisitions can provide access to new customers, products, and markets, accelerating the company's growth. The market for bank acquisitions is active, with numerous opportunities for community banks to consolidate and achieve economies of scale. Timeline: Ongoing.
- Development of specialized lending products: Offering specialized lending products tailored to specific industries or customer segments can differentiate First Community Corporation PFD SER B from its competitors and attract new business. For example, the company could develop loan programs for small businesses, agricultural enterprises, or healthcare providers. The market for specialized lending products is growing, driven by the increasing complexity of the economy and the diverse needs of borrowers. Timeline: Ongoing.
- Focus on wealth management services: Expanding into wealth management services can generate additional revenue streams and enhance customer relationships. By offering financial planning, investment management, and trust services, First Community Corporation PFD SER B can cater to the needs of high-net-worth individuals and families. The market for wealth management services is growing, driven by the increasing affluence of the population and the growing demand for financial advice. Timeline: Ongoing.
What Are FCCTO's Competitive Advantages?
- Local market expertise and strong customer relationships.
- Established branch network in Tennessee.
- Community-focused approach to banking.
What Does FCCTO Do?
First Community Corp Tn, operating as First Community Corporation PFD SER B, functions as a bank holding company offering a range of commercial banking services. The company's history reflects a commitment to serving the financial needs of its local communities. Its primary business involves gathering deposits from customers and channeling these funds into various lending activities. The bank offers a variety of deposit products, including demand and savings deposits, as well as certificates of deposit. On the lending side, First Community Corporation PFD SER B provides commercial loans, residential real estate loans, and consumer loans. These loan products cater to businesses and individuals within its operational footprint. The company's geographic focus is primarily within Tennessee, allowing it to build strong relationships with local customers and businesses. As a community-focused bank, First Community Corporation PFD SER B competes with other regional and national banks, credit unions, and non-bank financial service providers. Its strategy emphasizes personalized service and local market expertise to differentiate itself from larger competitors. The company's financial performance is influenced by factors such as interest rate movements, economic conditions in its service areas, and regulatory changes affecting the banking industry.
What Products and Services Does FCCTO Offer?
- Provides commercial banking services to individuals and businesses.
- Offers demand and savings deposit accounts.
- Provides certificates of deposit.
- Offers commercial loans.
- Provides residential real estate loans.
- Offers consumer loans.
How Does FCCTO Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services.
- Gathers deposits from customers and lends those funds to borrowers.
What Industry Does FCCTO Operate In?
First Community Corporation PFD SER B operates within the regional banking sector, which is characterized by community-focused institutions that provide financial services to local businesses and individuals. The industry is highly competitive, with numerous regional and national banks, credit unions, and non-bank financial service providers vying for market share. Key trends include increasing adoption of digital banking technologies, rising regulatory compliance costs, and fluctuating interest rate environments. The regional banking sector is sensitive to economic conditions in its service areas, with loan demand and credit quality influenced by local employment rates and business activity. First Community Corporation PFD SER B's success depends on its ability to effectively manage these challenges and capitalize on growth opportunities within its market.
Who Are FCCTO's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers seeking financing for residential projects.
First Community Corporation PFD SER B (FCCTO) Valuation Context
Valued at $17.7M, FCCTO is classified as a micro-cap stock. Relative to its peer group, FCCTO's quantitative score of 49/100 is roughly in line with the peer average of 48/100.
FCCTO Revenue & Earnings Trend
In Q2 2026, FCCTO generated $33.8M in top-line revenue, marking a sequential increase of 14.0%. The company recorded net income of $7.6M, with diluted EPS of $0.80. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, FCCTO averaged $0.67 in diluted EPS.
Company Profile
First Community Corporation PFD SER B operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Rogersville, US. The company is led by CEO Tyler K. Clinch. FCCTO has traded publicly since 2009.
Key Financial Metrics
Return on equity for First Community Corporation PFD SER B stands at 11.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. FCCTO trades at a trailing price-to-earnings ratio of 14.06, below the Financial Services sector average of ~18x. Its free cash flow yield is 2.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.29 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
First Community Corporation PFD SER B's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.54 places it in the distress zone, a signal of elevated financial risk.
FCCTO Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests strong confidence in the company's future performance, indicating that key stakeholders believe in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting the company's stability and reliability in the current market environment.
- Analysts note that First Community Corporation has a solid reputation in its sector, which fosters trust among investors and attracts new interest.
- Market perception is bolstered by the company's consistent dividend payments, appealing to income-focused investors looking for dependable returns.
Bear Case
- There are concerns about the overall economic environment, with potential interest rate hikes that could impact the company's cost of capital and profitability.
- Negative sentiment from some community discussions points to fears about competition in the financial services sector, which may pressure market share.
- Recent regulatory changes are causing uncertainty, with some investors worried about potential impacts on the company's operational flexibility.
- Despite recent insider activity, some analysts remain cautious, citing a lack of significant growth catalysts that could drive the stock higher in the near term.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $34M | $8M | $0.80 |
| Q1 2026 | $30M | $5M | $0.59 |
| Q4 2025 | $29M | $5M | $0.62 |
| Q3 2025 | $28M | $5M | $0.67 |
Based on FMP financials and quantitative analysis
FCCTO Latest News
No recent news available for FCCTO.
FCCTO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FCCTO.
Price Targets
Wall Street price target analysis for FCCTO.
FCCTO MoonshotScore
What does this score mean?
The MoonshotScore rates FCCTO 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Tyler K. Clinch
CEO
Tyler K. Clinch serves as the CEO of First Community Corporation PFD SER B. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. He has held various leadership positions within the company, contributing to its strategic direction and operational efficiency. His expertise encompasses areas such as lending, deposit management, and regulatory compliance. He is actively involved in community development initiatives, reflecting the bank's commitment to serving its local markets.
Track Record: Under Tyler K. Clinch's leadership, First Community Corporation PFD SER B has maintained a stable financial performance and expanded its presence in the Tennessee market. He has overseen the implementation of new technologies to enhance customer service and improve operational efficiency. He has also played a key role in managing the bank's response to regulatory changes and economic challenges.
FCCTO OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Community Corporation PFD SER B may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure.
- Lower trading volume and liquidity.
- Potential for price volatility.
- Higher risk of fraud or manipulation.
- Less regulatory oversight.
- Verify the company's financial statements.
- Research the company's management team.
- Assess the company's business model and competitive landscape.
- Review the company's regulatory filings.
- Evaluate the company's liquidity and trading volume.
- Understand the risks associated with OTC investing.
- Established history of operations.
- Experienced management team.
- Positive customer reviews.
- Membership in industry associations.
What Investors Ask About First Community Corporation PFD SER B (FCCTO) — Financial Services
What does the AI Score mean for FCCTO?
FCCTO holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. First Community Corporation PFD SER B operates as a bank holding company, providing commercial banking services to its customers. The company focuses on deposit and lending products, primarily …
What does First Community Corporation PFD SER B do?
First Community Corporation PFD SER B operates as a bank holding company, providing commercial banking services to individuals and businesses primarily in Tennessee. Its core business revolves around accepting deposits and providing loans. The company offers a variety of deposit products, including checking accounts, savings accounts, and certificates of deposit.
What do analysts say about FCCTO stock?
As an OTC-traded security, First Community Corporation PFD SER B (FCCTO) may not have extensive analyst coverage. Investors should conduct their own thorough research and due diligence before investing. Key valuation metrics to consider include the company's P/E ratio, profit margin, and dividend yield.
What are the main risks for FCCTO?
First Community Corporation PFD SER B faces several key risks. These include competition from larger regional and national banks, fluctuations in interest rates, economic downturns in its service areas, and regulatory changes affecting the banking industry. As an OTC-traded security, FCCTO also faces risks associated with lower liquidity and potential price volatility.
What are the key factors to evaluate for FCCTO?
First Community Corporation PFD SER B (FCCTO) holds an AI score of 49/100 (low). First Community Corporation PFD SER B presents a nuanced investment case. Not financial advice.
How frequently does FCCTO data refresh on this page?
FCCTO's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FCCTO's recent stock price performance?
First Community Corporation PFD SER B (FCCTO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Tennessee. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FCCTO overvalued or undervalued right now?
First Community Corporation PFD SER B (FCCTO) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FCCTO before investing?
Before investing in First Community Corporation PFD SER B (FCCTO), 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) analyst consensus ratings and 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.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.