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FCCO 
First Community Corporation (FCCO)
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Upturn Advisory Summary
11/04/2025: FCCO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $32.67
1 Year Target Price $32.67
| 3 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.92% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 205.55M USD | Price to earnings Ratio 11.99 | 1Y Target Price 32.67 |
Price to earnings Ratio 11.99 | 1Y Target Price 32.67 | ||
Volume (30-day avg) 3 | Beta 0.51 | 52 Weeks Range 19.10 - 29.37 | Updated Date 11/3/2025 |
52 Weeks Range 19.10 - 29.37 | Updated Date 11/3/2025 | ||
Dividends yield (FY) 2.31% | Basic EPS (TTM) 2.23 |
Earnings Date
Report Date 2025-10-22 | When Before Market | Estimate 0.65 | Actual 0.71 |
Profitability
Profit Margin 24.81% | Operating Margin (TTM) 36.43% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 13.07% |
Valuation
Trailing PE 11.99 | Forward PE 11.64 | Enterprise Value 146803792 | Price to Sales(TTM) 2.74 |
Enterprise Value 146803792 | Price to Sales(TTM) 2.74 | ||
Enterprise Value to Revenue 3.16 | Enterprise Value to EBITDA - | Shares Outstanding 7679605 | Shares Floating 6764725 |
Shares Outstanding 7679605 | Shares Floating 6764725 | ||
Percent Insiders 4.46 | Percent Institutions 62.19 |
Upturn AI SWOT
First Community Corporation
Company Overview
History and Background
First Community Corporation, headquartered in Lexington, South Carolina, was founded in 1995. It has grown through organic expansion and strategic acquisitions, focusing on community banking services in South Carolina and surrounding areas.
Core Business Areas
- Community Banking: Offers a range of deposit and loan products and services to individuals and businesses, including checking accounts, savings accounts, mortgages, commercial loans, and SBA loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
- Insurance Services: Offers various insurance products through its subsidiaries.
Leadership and Structure
The company is led by its executive management team and overseen by a board of directors. Its organizational structure is typical of a community banking institution, with regional and branch-level management.
Top Products and Market Share
Key Offerings
- Checking Accounts: Transactional accounts for businesses and consumers. Competitors: Truist (TFC), Bank of America (BAC), Wells Fargo (WFC). Market share data for this specific product is not publicly available, varies by region.
- Commercial Loans: Loans to businesses for various purposes. Competitors: Truist (TFC), Bank of America (BAC), Wells Fargo (WFC). Market share data for this specific product is not publicly available; general commercial loan market share varies regionally.
- Residential Mortgages: Loans to individual home buyers. Competitors: Wells Fargo (WFC), JP Morgan Chase (JPM). Market share data for this specific product is not publicly available, highly competitive market.
Market Dynamics
Industry Overview
The banking industry is highly competitive, subject to regulatory oversight, and influenced by economic conditions and interest rate fluctuations. Community banks play a vital role in local economies.
Positioning
First Community Corporation positions itself as a relationship-focused community bank providing personalized service and local expertise. Its competitive advantages lie in its deep understanding of the local market and its ability to make decisions quickly.
Total Addressable Market (TAM)
The TAM for banking services in the Southeastern United States is substantial, estimated at hundreds of billions of dollars. First Community Corporation's positioning focuses on capturing a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking model
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Higher cost structure than larger competitors
- Dependence on local economy
Opportunities
- Expansion into adjacent markets
- Increased focus on digital banking
- Growing demand for wealth management services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- BAC
- PNC
Competitive Landscape
First Community Corporation faces intense competition from larger national and regional banks. Its smaller size and limited geographic reach are disadvantages, but its relationship-based banking model provides a competitive edge in its local markets. Fintech companies also pose a growing threat.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable
Future Projections: Analyst estimates suggest moderate growth driven by loan growth and fee income.
Recent Initiatives: Recent initiatives include expanding digital banking services and opening new branch locations.
Summary
First Community Corporation is a well-managed community bank with a strong local presence. It benefits from its relationship-based banking model but faces challenges from larger competitors and fintech companies. Expansion into new markets and increased focus on digital banking are crucial for future growth. FCCO needs to watch out for rising interest rates.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Community Corporation
Exchange NASDAQ | Headquaters Lexington, SC, United States | ||
IPO Launch date 1998-07-07 | CEO, President & Director Mr. Michael C. Crapps | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 260 | Website https://www.firstcommunitysc.com |
Full time employees 260 | Website https://www.firstcommunitysc.com | ||
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. The company operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. Its 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. The company's 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. It 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, the company 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.
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