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Upturn AI SWOT - About
FCCO 
First Community Corporation (FCCO)
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Upturn Advisory Summary
09/17/2025: 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 -18.97% | Avg. Invested days 22 | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 216.58M USD | Price to earnings Ratio 12.64 | 1Y Target Price 30.33 |
Price to earnings Ratio 12.64 | 1Y Target Price 30.33 | ||
Volume (30-day avg) 3 | Beta 0.47 | 52 Weeks Range 19.21 - 28.84 | Updated Date 09/17/2025 |
52 Weeks Range 19.21 - 28.84 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.17% | 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 12.64 | Forward PE 11.64 | Enterprise Value 153336688 | Price to Sales(TTM) 3.01 |
Enterprise Value 153336688 | Price to Sales(TTM) 3.01 | ||
Enterprise Value to Revenue 3.26 | Enterprise Value to EBITDA - | Shares Outstanding 7685750 | Shares Floating 6777375 |
Shares Outstanding 7685750 | Shares Floating 6777375 | ||
Percent Insiders 4.45 | Percent Institutions 61.97 |
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 has grown organically and through acquisitions to become a significant community bank in the region, providing a range of financial services.
Core Business Areas
- Community Banking: Offers traditional banking services including checking and savings accounts, loans, and other financial products to individuals and small businesses.
- Commercial Banking: Provides lending and deposit products, cash management, and other financial solutions for businesses of all sizes.
- Wealth Management: Offers trust, investment management, brokerage services and insurance for individuals and businesses.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes departments for retail banking, commercial lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment purchases, and real estate development. Competitors include larger national banks and other regional community banks. Market share data is fragmented and locally focused, difficult to assess precisely at a national level, revenue is significant part of total revenue, but not broken out specifically.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Competitors include national mortgage lenders and credit unions. Market share data is fragmented and locally focused, difficult to assess precisely at a national level, revenue is significant part of total revenue, but not broken out specifically.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national and local banks and credit unions. Market share data is fragmented and locally focused, difficult to assess precisely at a national level, revenue is significant part of total revenue, but not broken out specifically.
Market Dynamics
Industry Overview
The banking industry is highly competitive and heavily regulated. Trends include increasing digitalization, consolidation, and evolving customer expectations.
Positioning
First Community Corporation is positioned as a relationship-focused community bank, emphasizing personalized service and local decision-making. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking is substantial, encompassing a large segment of individuals and small businesses. First Community Corporation is positioned to capture a portion of this TAM through its local presence and customer service focus.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-based customer service
- Experienced management team
- Solid capital position
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking services
- Potential for higher operating expenses due to local focus
Opportunities
- Expansion into new markets through organic growth or acquisitions
- Increased adoption of digital banking technologies
- Growing demand for personalized financial services
Threats
- Increased competition from larger national banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulation
Competitors and Market Share
Key Competitors
- Synovus Financial Corp (SNV)
- United Bankshares, Inc. (UBSI)
- South State Corporation (SSB)
Competitive Landscape
First Community competes with larger regional and national banks. Its advantages are its local knowledge and personalized service, while its disadvantages include limited scale and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth needs to be sourced from most recent 10K; unable to do so without active web access
Future Projections: Future Projections needs to be sourced from most recent 10K; unable to do so without active web access
Recent Initiatives: Recent Initiatives include expanding digital banking offerings and focusing on commercial lending growth.
Summary
First Community Corporation is a community bank focused on relationship banking within its operating region. It leverages its deep community ties and strong customer service to build its client base. While facing threats from larger institutions and evolving industry trends, it is looking at growth by expanding its digital products. First Community will need to manage the risks associated with its local customer portfolio in terms of economic conditions and interest rates.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided 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 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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