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Upturn AI Summary - About
First Community Corporation(FCCO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FCCO
09/24/2026: FCCO (2-star) is a SELL. SELL for 1 day. Simulated Profits (5.29%). Updated daily EoD!
First Community Corporation is a regional bank holding company centered in South Carolina that specializes in commercial and retail banking. The bank benefits from deep local relationships and a consistent approach to asset quality, which has historically underpinned its performance. Its main growth opportunity lies in leveraging the economic development of its regional markets while scaling digital services to improve efficiency. However, risks include geographic concentration and intense competition from larger regional banks that possess greater financial resources. The stock may best suit value and dividend-oriented investors seeking steady income and exposure to the South Carolina economy, provided they monitor interest rate trends and local economic indicators.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential tied to regional economic development rather than rapid scaling. |
| Momentum investor | Weak fit | The stock typically exhibits lower trading volume and slower price movement compared to high-growth tech or momentum stocks. |
| Value investor | Strong fit | The stock often trades at valuations reflective of tangible book value, common among community banks. |
| Dividend investor | Strong fit | First Community has a track record of paying consistent dividends, appealing to income-focused investors. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, the business remains sensitive to local economic cycles and credit risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a small-cap bank, the stock can experience price fluctuations based on interest rate news or sector sentiment. |
| Valuation risk | Low | The stock generally trades in line with fundamental book values, limiting extreme valuation overextension. |
| Competition risk (Regional bank competition) | High | Larger regional banks with greater resources can aggressively target the same loan and deposit customers. |
| Business quality | Medium | The company maintains solid asset quality, though its regional focus limits business diversification. |
| Dividend income | Medium | Dividend sustainability depends on consistent earnings and capital adequacy ratios. |
| Execution risk | Medium | Success depends on management's ability to navigate changing regulatory environments and interest rate cycles. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -8.02% | Avg. Invested days 36 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 303.14M USD | Price to earnings Ratio 12.36 | 1Y Target Price 37.83 |
Price to earnings Ratio 12.36 | 1Y Target Price 37.83 | ||
Volume (30-day avg) 66.3K shares | Beta 0.34 | 52 Weeks Range 25.37 - 35.56 | Updated Date 09/24/2026 |
52 Weeks Range 25.37 - 35.56 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 1.96% | Basic EPS (TTM) 2.61 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid to depositors. | This is the primary way the bank profits, acting as the spread between lending and borrowing costs. |
| Non-Interest Income | Service charges, mortgage banking fees, and investment advisory fees. | This provides diversified revenue streams that are less dependent on interest rate spreads. |
| South Carolina Region | All lending and branch operations centered in South Carolina. | The company's health is directly tied to the economic activity within its specific regional footprint. |
Valuation
Trailing PE 12.36 | Forward PE 11.64 | Enterprise Value 254.91M | Price to Sales(TTM) 3.43 |
Enterprise Value 254.91M | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 3.96 | Enterprise Value to EBITDA - | Shares Outstanding 9.40M | Shares Floating 8.66M |
Shares Outstanding 9.40M | Shares Floating 8.66M | ||
Percent Insiders 7.46 | Percent Institutions 63.83 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About First Community Corporation
Exchange NASDAQ | Headquarters 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 298 | Website https://www.firstcommunitysc.com |
Full time employees 298 | 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. 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.
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