FCCO - NASDAQ

First Community Corporation

FCCO·NASDAQ

$29.89

-2.9%

Financial ServicesBanks - Regional

First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, 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 consist of secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans, including 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 other banking services, which include online banking, internet banking, cash management, safe deposit boxes, travelers checks, direct deposit 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; VISA and MasterCard credit card services; investment advisory services; and insurance services. It operates 21 full-service offices located in the Lexington County, Richland County, Newberry County, Kershaw County, Greenville County, Anderson County, Pickens County, and Aiken County, South Carolina; and Richmond County and Columbia County, Georgia. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$229.04M

EPS2.5100

P/E Ratio11.91

Earnings Date07/22/2026

2.06B

Assets

3Y+23.0%

5Y+47.0%

10Y+125.0%

1.89B

Total Liabilities

3Y+22.0%

5Y+50.0%

10Y+127.0%

167.56M

Total Equity

16%

3Y+42.0%

5Y+23.0%

10Y+105.0%

First Community Corporation Funding & Solvency Profile

FCCO · NASDAQ

Current Assets

Cash & Cash Equivalents161.06M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets179 M

Non-Current Assets

Property, Plant & Equipment31.53M

Goodwill & Intangible Assets14.93M

Long-Term Investments1.78B

Other Non-Current Assets50.11M

Total Non-Current Assets2 B

Total Assets

2.06B

Financial Health Analysis

Current Ratio

0.10x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

11.28x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1677737000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

9% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

First Community Corporation Balance Sheet

FCCO • NASDAQ

First Community Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	161.1M	149.8M	94.7M	37.4M	69M	65M	47.7M	32.2M	30M	21.4M	22.3M	21.9M	13.9M	18.3M	16.1M	26.2M	20.4M	9.4M	9.5M	10.1M
Short-Term Investments	17.9M	7.8M	282.2M	331.9M	564.8M	359.9M	286.8M	237.9M	264.8M	253.4M	264.7M	270.2M	224.4M	203.4M	201M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	179M	157.6M	376.9M	369.3M	633.9M	424.9M	334.5M	270.1M	294.8M	274.8M	287M	292.1M	238.3M	221.7M	217.1M	26.2M	20.4M	9.4M	9.5M	10.1M
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	10.6M	0.0	0.0	0.0	0.0	0.0
Total Current Assets	179M	157.6M	376.9M	369.3M	633.9M	424.9M	334.5M	270.1M	294.8M	274.8M	287M	292.1M	238.3M	221.7M	227.8M	26.2M	20.4M	9.4M	9.5M	10.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	31.5M	32.5M	33.8M	34M	35.7M	37.5M	38.2M	35M	36.1M	29.8M	29.8M	28.5M	19.4M	17.3M	17.5M	18M	18.7M	19.4M	19.7M	21M
Goodwill	14.6M	14.6M	14.6M	14.6M	14.6M	14.6M	14.6M	14.6M	14.6M	5.1M	5.1M	5.1M	571K	571K	571K	0.0	0.0	27.8M	0.0	0.0
Intangible Assets	289K	446K	604K	761K	919K	1.1M	1.5M	2M	2.6M	1.1M	1.4M	1.8M	0.0	160K	365K	881K	1.5M	2.1M	0.0	0.0
Goodwill & Intangible Assets	14.9M	15.1M	15.2M	15.4M	15.6M	15.8M	16.1M	16.6M	17.2M	6.2M	6.5M	6.9M	571K	731K	936K	881K	1.5M	29.9M	29.7M	30.4M
Long-Term Investments	1.8B	1.7B	1.4B	1.2B	861.4M	881.4M	744.1M	733.6M	665.7M	567.3M	507.8M	457.7M	349.8M	339.7M	334.6M	521.2M	535.2M	561M	478.9M	448.5M
Other Non-Current Assets	50.1M	51.9M	51.5M	50.1M	38M	35.8M	37.3M	36.3M	37M	36.7M	31.5M	27.2M	25.2M	23.5M	13.1M	32.7M	30.1M	30.6M	27.8M	38.1M
Total Non-Current Assets	1.9B	1.8B	1.5B	1.3B	950.6M	970.5M	835.8M	821.5M	755.9M	640M	575.7M	520.3M	395M	381.2M	366.1M	572.8M	585.4M	640.8M	556.1M	538M
Total Assets	2.1B	2B	1.8B	1.7B	1.6B	1.4B	1.2B	1.1B	1.1B	914.8M	862.7M	812.4M	633.3M	602.9M	593.9M	599M	605.8M	650.2M	565.6M	548.1M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	1.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	107.2M	103.1M	152.9M	140.7M	54.2M	40.9M	33.3M	28M	19.3M	19.5M	21M	17.4M	18.6M	15.9M	13.6M	12.7M	20.7M	28.2M	23.3M	19.5M
Other Current Liabilities	1.7B	1.7B	1.5B	1.4B	1.4B	1.2B	988.2M	925.5M	888.3M	766.6M	716.2M	669.6M	497.1M	475M	464.6M	455.3M	449.6M	423.8M	405.9M	414.9M
Total Current Liabilities	1.9B	1.8B	1.7B	1.5B	1.4B	1.2B	1B	953.5M	907.6M	786.1M	737.2M	687M	515.7M	490.9M	478.2M	468M	470.3M	451.9M	429.2M	434.4M
NON-CURRENT LIABILITIES
Long Term Debt	15M	15M	15M	15M	15M	15M	15.2M	15.2M	29.2M	39M	39.8M	44.3M	58.8M	51.8M	61.8M	83.7M	89M	124.2M	66.5M	45.4M
Other Non-Current Liabilities	16.1M	16.9M	14.4M	10.7M	10.1M	10.6M	10.1M	10.4M	8.3M	7.8M	6.8M	6.6M	6.1M	6.1M	6M	5.5M	5.2M	6M	5.9M	5.1M
Total Non-Current Liabilities	33.4M	34.5M	32.8M	28.5M	28M	28.7M	28.6M	25.6M	37.5M	46.8M	46.5M	50.9M	64.9M	57.9M	67.8M	89.2M	94.1M	130.1M	72.4M	50.4M
Capital Lease Obligations	2.4M	2.6M	3.4M	2.8M	3M	3.1M	3.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.9B	1.8B	1.7B	1.6B	1.4B	1.3B	1.1B	979.1M	945.1M	832.9M	783.7M	737.8M	580.6M	548.7M	546M	557.2M	564.4M	582.1M	501.6M	484.8M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	11.1M	11M	10.9M	10.9M	0.0	0.0
Common Stock	7.7M	7.6M	7.6M	7.6M	7.5M	7.5M	7.4M	7.6M	7.6M	6.7M	6.7M	6.7M	5.3M	5.2M	3.3M	3.3M	3.3M	3.2M	3.2M	3.3M
Additional Paid-In Capital	94.9M	93.8M	93.2M	92.7M	92.1M	91.4M	90.5M	95M	94.5M	76M	75.8M	75.5M	62.2M	61.6M	49.2M	49M	48.9M	48.7M	48.6M	49.7M
Retained Earnings	80.3M	65.8M	56.3M	49M	38.3M	26.5M	19.9M	12.3M	4.1M	573K	-4M	-8.3M	-11.9M	-14.9M	-17.6M	-19.7M	-20.4M	6.3M	14.6M	12M
Accumulated Other Comprehensive Income/Loss	-18.4M	-25.5M	-28.2M	-32.4M	3.3M	11.3M	2.5M	-2.3M	-444K	-1.2M	830K	1.3M	-2.5M	2.4M	1.3M	-2.2M	-1.7M	-1.2M	-2.4M	-1.8M
Other Total Stockholders' Equity	3.1M	2.6M	2.2M	1.5M	-294K	-283K	-151K	-118K	-63K	-174K	-251K	-625K	-396K	-102K	560K	509K	430K	323K	0.0	0.0
Total Stockholders' Equity	167.6M	144.5M	131.1M	118.4M	141M	136.3M	120.2M	112.5M	105.7M	81.9M	79M	74.5M	52.7M	54.2M	47.9M	41.8M	41.4M	68.2M	64M	63.2M
Total Equity	167.6M	144.5M	131.1M	118.4M	141M	136.3M	120.2M	112.5M	105.7M	81.9M	79M	74.5M	52.7M	54.2M	47.9M	41.8M	41.4M	68.2M	64M	63.2M
SUMMARY
Total Liabilities & Equity	2.1B	2B	1.8B	1.7B	1.6B	1.4B	1.2B	1.1B	1.1B	914.8M	862.7M	812.4M	633.3M	602.9M	593.9M	599M	605.8M	650.2M	565.6M	548.1M
Total Investments	1.8B	1.7B	1.6B	1.5B	1.4B	1.2B	1B	971.4M	930.5M	820.7M	772.5M	727.9M	574.2M	543.1M	535.6M	521.2M	535.2M	561M	478.9M	448.5M
Total Debt	124.5M	120.7M	171.3M	158.5M	72.1M	59M	51.7M	43.2M	48.5M	58.5M	60.8M	61.7M	77.4M	67.7M	75.4M	96.4M	109.6M	152.3M	89.8M	64.8M
Net Debt	-36.5M	-29.1M	76.6M	121.1M	3.1M	-6M	4M	11M	18.5M	37.1M	38.4M	39.7M	63.5M	49.4M	59.3M	70.1M	89.2M	142.9M	80.3M	54.8M
Shares Outstanding	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610	7,679,610

SEC Filings

FCCO - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 29, 2026	May 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 21, 2026	May 20, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 15, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 20, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 16, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 09, 2026	January 06, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 16, 2025	December 16, 2025	2025	View Filing

Showing 1 to 10 of 374 filings

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