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Company Analysis

First Community Corporation FCCO

A comprehensive view of key metrics, scores, and financial health for First Community Corporation

Overview of First Community Corporation

FCCO NCM
Financial Services Banks - Regional Micro Cap
First Community Corporation (FCCO), is a Micro Cap company, in the Banks - Regional industry, last closed at $28.09, about 23.5% overvalued vs fair value, +25.3% 1Y return, ranked 522/1004 in sector.
$28.09
-0.14%
As of March 13, 2026
Previous close • Vol 90d: 20.8%
52-Week Range
Market Cap
$262.48M
Enterprise Value
$360.08M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.firstcommunitysc.c...
HQ Lexington, SC
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$12
$21
$40
Current: $28.09 -24% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$89.4M
23%%
Interest Expense
$35.0M
Net Interest Income
$52.0M
6.4%%
Total Revenue
$111.1M
81.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.7%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.6M
33.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Community Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FCCO's balance between Growth (36.6%), Profitability (31.4%), and Safety (32.0%). Growth 37% Safety 32% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

55th percentile vs peers
56
Key Signals
Rev Growth YoY 81.6% 71p Revenue CAGR 3Y 26.2% 77p Asset Growth YoY -1.6% 13p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Asset Growth Yoy in bottom 20% of peers (-1.6%)

Profitability

47th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
49
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Community Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$21.48
- - -
-23.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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