Is First Community Corporation (FCCO) Overvalued?
We dive into why First Community Corporation (FCCO) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
First Community Corporation operates as the bank holding company for First Community Bank that provides various commercial and retail banking products and services to small-to-medium sized businesses, professionals, and individuals. It operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. The company’s deposit products include checking, NOW, savings, and individual retirement accounts; and demand deposits, as well as other time deposits, such as daily money market accounts and longer-term certificates of deposit. Its loan portfolio comprises commercial loans that include secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans comprising secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. The company also provides online banking, cash management, and internet banking services; and safe deposit boxes, direct deposits of payroll and social security checks, and automatic drafts for various accounts. In addition, it offers non-deposit investment products and other investment brokerage services; credit cards; and investment advisory and insurance services. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina.
Commentary & Analysis
What You Need to Know About First Community Corporation's Q3 Earnings
First Community Corporation's fiscal Q3 earnings report was released on Wednesday, July 22. Let's dive in to see if (FCCO) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About First Community Corporation's Q2 Earnings
First Community Corporation's fiscal Q2 earnings report was released on Wednesday, April 22. Let's dive in to see if (FCCO) missed or beat analyst's expectations.Michael Rose
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What You Need to Know About First Community Corporation's Q1 Earnings
First Community Corporation's fiscal Q1 earnings report was released on Wednesday, January 28. Let's dive in to see if (FCCO) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | FCCO | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $307.1 | $700.1 | 32% |
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| Shares Out (Mil) | 9.5 | 15.4 | 20% |
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| Institutional Ownership | 89.1% | 84.0% | 57% |
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| Float (Mil) | 8.7 | 21.6 | 17% |
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| Beta | 0.34 | 0.45 | 20% |
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| Avg Daily Volume (000s) | 92 | 42 | 34% |
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| Price Change (52-week) |
18.7% | 92.2% | 67% |
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| Growth | FCCO | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.4% | 7.7% | 56% |
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| Net Income (5yr) | 13.7% | 11.1% | 61% |
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| EPS (5yr) | 12.8% | 10.0% | 52 |
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| Dividends (5yr) | 5.6% | 3.6% | 72% |
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| Cash Flow (5yr) | (8.7%) | (17.1%) | 58% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.803 | $3.143 | $3.320 | |
| Month Ago EPS | $0.803 | $3.143 | $3.320 | |
| # Rev Up | 1 | 2 | 1 | |
| # Rev Down | 1 | 0 | 0 | |
| Three Months Ago EPS | $0.753 | $2.933 | $3.160 | |
| Year/Year Chg | 0.4% | 27.2% | na | |
| Financials | FCCO | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $88 | $188 | 25% |
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| Net Income (TTM) (Mil) | $23 | $54 | 50% |
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| EPS (TTM) | $2.726 | $2.500 | 76% |
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| Operating Cash Flow (TTM) (Mil) | $8 | $33 | 37% |
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| Net Cash Flow (TTM) (Mil) | ($21) | $2 | 26% |
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| Long-Term Debt (Q1) (Mil) | $17 | $94 | 32% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FCCO | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.35 | 1.25 | 36% |
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| P/E | 12.1 | 12.2 | 28% |
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| Dividend Yield | 2.1% | 2.2% | 77% |
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| PEG (5yr hist) | 0.9 | 1.1 | 45% |
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| Ratios | FCCO | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 26.2% | 29.1% | 84% |
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| ROA | 1.0% | 1.1% | 46% |
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| ROE | 12.1% | 11.3% | 63% |
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| Liabilities to Assets | 90.4% | 89.7% | 87% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 10/2/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
