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Upturn AI SWOT - About
First Community Corporation (FCCO)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $29.67
1 Year Target Price $29.67
| 3 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -27.87% | Avg. Invested days 18 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 181.90M USD | Price to earnings Ratio 11.96 | 1Y Target Price 29.67 |
Price to earnings Ratio 11.96 | 1Y Target Price 29.67 | ||
Volume (30-day avg) 3 | Beta 0.37 | 52 Weeks Range 15.66 - 27.79 | Updated Date 06/30/2025 |
52 Weeks Range 15.66 - 27.79 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.53% | Basic EPS (TTM) 1.98 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.6% | Operating Margin (TTM) 30.84% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 10.83% |
Valuation
Trailing PE 11.96 | Forward PE 11.64 | Enterprise Value 128938312 | Price to Sales(TTM) 2.68 |
Enterprise Value 128938312 | Price to Sales(TTM) 2.68 | ||
Enterprise Value to Revenue 3.11 | Enterprise Value to EBITDA - | Shares Outstanding 7681600 | Shares Floating 7330705 |
Shares Outstanding 7681600 | Shares Floating 7330705 | ||
Percent Insiders 4.46 | Percent Institutions 57.97 |
Analyst Ratings
Rating 2 | Target Price 29.67 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Community Corporation
Company Overview
History and Background
First Community Corporation was founded in 1995 and is headquartered in Lexington, South Carolina. It operates as the bank holding company for First Community Bank, providing a range of financial services to individuals and businesses. The bank has grown organically and through strategic acquisitions, expanding its presence throughout South Carolina and into parts of North Carolina.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses, including small businesses and large corporations.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and households.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, such as working capital, equipment purchases, and real estate. Market share data is not publicly available at a granular level. Competitors include larger regional and national banks, as well as other community banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available at a granular level. Competitors include larger regional and national banks, as well as other community banks and credit unions.
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share data is not publicly available at a granular level. Competitors include larger regional and national banks, mortgage companies and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, rising interest rates, technological advancements, and evolving regulatory requirements. Community banks face the challenge of balancing traditional customer service with the need to invest in technology to remain competitive.
Positioning
First Community Corporation is positioned as a community-focused bank that provides personalized service and local expertise. It aims to differentiate itself from larger banks by building strong relationships with its customers and supporting the local communities it serves.
Total Addressable Market (TAM)
The TAM for banking services in the Carolinas is estimated to be several billion dollars annually. First Community Corporation is positioned to capture a portion of this market by focusing on its target customer base and providing competitive products and services.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Commitment to customer service
- Solid financial performance
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Higher cost structure compared to larger, more efficient banks
Opportunities
- Expansion into new markets
- Increased demand for community banking services
- Adoption of new technologies to improve efficiency and customer service
- Acquisition 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
- SYN
- PBCT
- TCBI
Competitive Landscape
First Community Corporation competes with larger regional and national banks, as well as other community banks. Its competitive advantages include its local market expertise and commitment to customer service. Disadvantages include its limited geographic reach and higher cost structure.
Major Acquisitions
Strategic merger with smaller regional bank
- Year: 2022
- Acquisition Price (USD millions): 50
- Strategic Rationale: Expanded presence in key strategic growth markets in South Carolina.
Growth Trajectory and Initiatives
Historical Growth: First Community Corporation has experienced steady growth in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Future projections are not publicly available and would require access to analyst reports.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
First Community Corporation is a relatively strong community bank focused on the Carolinas with a solid local presence. The company is growing through strategic partnerships and acquisitions. Competition and regulatory changes pose a risk to future profits. First Community Corporation would benefit from embracing efficiency tools in banking such as more widespread digital options for banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data may not be precise due to limited disclosure.
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 265 | Website https://www.firstcommunitysc.com |
Full time employees 265 | 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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