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First Community Corp (FCCO) stock analysis

FCCONasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 10, 2026Score 14/30
$32.68−0.13 (-0.40%)

Close on Nov 11, 2026Market cap $307.18MP/E –Yield 1.90%

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth1Performance5Health4Dividend4

Mixed14 of 30 checks passed

First Community passes 14 of the 30 checks behind our score; 7 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
1/6
Past performance
5/6
Financial health
4/6
Dividend
4/6

What stands out

  • Earnings grew over 5 years

    Net income grew 13.7% a year on average over the last five fiscal years.

  • Earnings growth accelerating

    Net income grew 39.6% over the last twelve months, against a 5-year average of 13.7% a year.

  • Covered by free cash flow

    Dividends take 24.5% of free cash flow.

  • Covered by earnings

    Dividends take 22.4% of net income.

What to watch

  • Return on equity under 15%

    Return on equity was 13.3% over the last twelve months and averaged 10.9% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -1.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew 8.8% a year over the last three fiscal years.

  • P/S above the industry

    First Community's price-to-sales of 346.71 is above the Commercial Banks median of 3.60.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S above the industry

    First Community's price-to-sales of 346.71 is above the Commercial Banks median of 3.60.

  • P/B above the industry

    First Community's price-to-book of 1.33 is above the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew -1.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew 8.8% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 39.6% over the last twelve months, against a 5-year average of 13.7% a year.

  • Growing slower than the industry

    Revenue grew -3.5% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance5/6

  • Return on equity under 15%

    Return on equity was 13.3% over the last twelve months and averaged 10.9% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.2%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    First Community's return on equity of 13.3% is above the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 13.7% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 2931% over the last twelve months, against a 5-year average of 1577%.

  • Net margin above the industry

    First Community's net margin of 2931% is above the Commercial Banks median of 30.3%.

Financial health4/6

  • Well capitalized

    Equity is 9.7% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 79.4% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.2% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 64.9% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 13.2% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend4/6

  • Pays a dividend

    First Community paid dividends worth 2.0% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.0% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; First Community yields 2.0%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 6 fiscal years.

  • Covered by earnings

    Dividends take 22.4% of net income.

  • Covered by free cash flow

    Dividends take 24.5% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for First Community. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 10.5
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$1.35M
Value traded per 1% price move
$1.50M

Downside

Low risk

Typical loss in a bad month
7.4%
Volatility (annualized)
20%
Sharpe ratio, 1 year
0.76
Beta to the S&P 500 (5Y)
0.44

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

2083.0%+1182.1 pts over 5 years

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