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Upturn AI SWOT - About
FCCO 
First Community Corporation (FCCO)
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Upturn Advisory Summary
08/28/2025: FCCO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $30.33
1 Year Target Price $30.33
| 3 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.42% | Avg. Invested days 21 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 209.74M USD | Price to earnings Ratio 12.2 | 1Y Target Price 30.33 |
Price to earnings Ratio 12.2 | 1Y Target Price 30.33 | ||
Volume (30-day avg) 3 | Beta 0.42 | 52 Weeks Range 19.21 - 27.61 | Updated Date 08/28/2025 |
52 Weeks Range 19.21 - 27.61 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.24% | Basic EPS (TTM) 2.23 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.02% | Operating Margin (TTM) 37.14% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 11.85% |
Valuation
Trailing PE 12.2 | Forward PE 11.64 | Enterprise Value 146457936 | Price to Sales(TTM) 2.92 |
Enterprise Value 146457936 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 3.15 | Enterprise Value to EBITDA - | Shares Outstanding 7685750 | Shares Floating 6775684 |
Shares Outstanding 7685750 | Shares Floating 6775684 | ||
Percent Insiders 4.47 | Percent Institutions 61.92 |
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 organically and through acquisitions to become a prominent community bank in the region. Key milestones include expanding its footprint across South Carolina and into parts of North Carolina and Georgia and increasing its range of financial services.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals and small to medium-sized businesses, including checking accounts, savings accounts, loans, and lines of credit.
- Mortgage Lending: Offers residential mortgage loans to individuals.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Michael C. Crapps serves as the Chief Executive Officer. The organizational structure comprises various departments overseeing retail banking, commercial lending, mortgage services, and wealth management, all reporting to the executive leadership team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisitions. Competitors include larger regional and national banks like Truist and Bank of America. Market share is not publicly disclosed and varies by region.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions. Market share is not publicly disclosed and varies by region.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include other community banks and larger financial institutions like Wells Fargo and Chase. Market share is not publicly disclosed and varies by region.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing competition from larger banks and fintech companies. Consolidation is common, and regulatory compliance costs are rising.
Positioning
First Community Corporation positions itself as a relationship-focused community bank, emphasizing personalized service and local decision-making. Its competitive advantages lie in its knowledge of the local market and its ability to provide customized financial solutions.
Total Addressable Market (TAM)
The total addressable market for community banking services in the Southeast US is estimated to be in the hundreds of billions of dollars. First Community Corporation is positioned to capture a portion of this market through its focus on personalized service and local relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-focused banking model
- Experienced management team
- Strong asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Higher operating costs relative to larger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Bank of America Corporation (BAC)
- Synovus Financial Corp (SNV)
Competitive Landscape
First Community Corporation faces intense competition from larger regional and national banks. Its advantage lies in its local focus and personalized service, but it is disadvantaged by its smaller scale and limited resources. The larger players are likely to have access to wider services and products, resulting in a wider customer adoption.
Growth Trajectory and Initiatives
Historical Growth: Historical growth driven by organic expansion and strategic acquisitions. Recent growth has been moderate, reflecting the competitive landscape.
Future Projections: Future growth projections are dependent on economic conditions and strategic initiatives. Analysts predict moderate growth in loan volume and fee income.
Recent Initiatives: Recent initiatives include expanding digital banking services and investing in technology to improve efficiency.
Summary
First Community Corporation is a regional bank with a strong local presence. While it benefits from its relationship-focused approach, its growth is constrained by its smaller size and the competitive landscape. Expansion into new markets and leveraging technology are crucial for future success. Its management team is solid, but it requires an injection of new ideas and strategies to keep up with trends.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Data Providers (e.g., Yahoo Finance, Google Finance)
- Analyst Reports (where available)
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results. Consult with a qualified financial advisor before making any investment decisions.
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 273 | Website https://www.firstcommunitysc.com |
Full time employees 273 | 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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