First Community Corporation

First Community Corporation

FCCOยทNASDAQ

$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.

At a Glance

Live Snapshot
Market Cap$229.04M
EPS2.5100
P/E Ratio11.91
Earnings Date07/22/2026
3Y-16.0%
5Y-210.0%
10Y+264.0%
3Y-50.0%
5Y-53.0%
10Y+57.0%
3Y-33.0%
5Y-64.0%
10Y+61.0%
FCCO

First Community Corporation Cash Conversion Engine

FCCO ยท NASDAQ
Net Income19.20M
Depreciation & Amortization0.00
Stock-Based Compensation1.16M
Change in Working Capital358.00K
Others-2.04M
Capital Expenditures-1.11M
Free Cash Flow17.58M

Cash Flow Quality Analysis

FCF Conversion Rate

91.5%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

5.9%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+79.9%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$358.00K

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

First Community Corporation Cash Flow Statement

FCCO โ€ข NASDAQ

First Community Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
19.2M
14M
11.8M
14.6M
15.5M
10.1M
11M
11.2M
5.8M
6.7M
6.1M
5.1M
4.1M
4M
3.3M
1.9M
-25.2M
-6.8M
4M
3.5M
0.0
1.9M
1.9M
1.8M
1.9M
2M
2.1M
2.1M
1.8M
1.7M
1.6M
1.4M
1M
1.1M
1.4M
1.5M
1.6M
1.5M
1.1M
1.2M
1.2M
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
0.0
0.0
0.0
0.0
0.0
-2M
-8.1M
-3.6M
6.9M
40.3M
-28.6M
-6.1M
4.1M
4.1M
1.2M
5.8M
4.5M
10.7M
-1.3M
155K
4.9M
31.1M
16.7M
275K
737K
(5.5M)
(3.8M)
(3.6M)
(3.9M)
(5.1M)
(3M)
(2.4M)
(2.2M)
(1.9M)
(1.3M)
(2.2M)
(1.1M)
(210K)
(0.0)
(0.0)
(0.0)
(350K)
(613K)
(0.0)
(0.0)
358K
3.2M
2M
-1.2M
279K
-570K
-2.2M
2.6M
6.7M
-4.4M
986K
983K
390K
2.3M
1.7M
1.4M
-2.5M
-6.5M
1.4M
1.2M
18.7M
10.9M
12.2M
22.1M
57.9M
-17M
4.8M
20M
18.4M
5.1M
14.5M
12M
16.3M
6M
6.5M
9.7M
4.9M
5M
6.7M
6.6M
INVESTING ACTIVITIES
(0.0)
-1.1M
-1.1M
-1.2M
-813K
-1.1M
-2.8M
-1.5M
-3.1M
-1.2M
-2.7M
-3.2M
-3.3M
-806K
-308K
-242K
-472K
-709K
-198.9K
-3.4M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(22.4M)
(0.0)
(0.0)
-11.4M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-646K
(0.0)
-1.2M
-173K
-17.7M
-8.6M
-119.6M
-271.4M
-112M
-113.1M
-64.1M
-30.6M
-66.4M
-70.1M
-116.7M
-94.9M
-103.2M
-103M
-140.4M
-62.6M
-137M
-49.4M
-35.5M
0.0
37.8M
72.6M
73.7M
54.2M
48.1M
84.6M
87.1M
61.1M
71.7M
65M
86.8M
62.7M
102.2M
96.4M
137.2M
101.5M
64.4M
49M
48.3M
-80.6M
-86.6M
-152.6M
-115.6M
-18.3M
-106.5M
-17.9M
-69.3M
-40.8M
-55.7M
-50.2M
9.3M
-15.9M
-5.6M
3.3M
8M
-16.4M
-23.2M
-33.9M
-30.7M
-80.8M
-67.6M
-89.7M
-162.8M
-236.3M
-171.5M
-49.2M
-47.8M
(9M)
-51.5M
-58M
-35.2M
-51.4M
-7.5M
-3.6M
(4.6M)
(22M)
-97.2M
-34.5M
-22.5M
FINANCING ACTIVITIES
386K
187K
289K
374K
434K
361K
-5.2M
305K
-36K
-49K
131K
173K
119K
13.9M
182K
101K
0.0
-267K
-1.3M
-276K
4.1M
-90M
40M
50M
13.3M
-211K
-20K
-14M
-10.3M
-1.3M
-4.7M
-23.6M
6.8M
-10.2M
-22M
-5.3M
-35.4M
58.1M
25.4M
-6.4M
-4.8M
-4.4M
-4.2M
-3.9M
-3.6M
-3.6M
-3.3M
-3M
-2.5M
-2.1M
-1.8M
-1.5M
-1.1M
-1.1M
-1.2M
-1.2M
-1.3M
-1M
-874K
-708K
(0.0)
-223K
-149K
-42K
-70K
-15K
-5.8M
-57K
-408K
-353K
-98K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-267K
-2M
(0.0)
73.6M
206.1M
98.7M
62.6M
172.2M
209.3M
68.4M
46.3M
-6M
49.2M
50.3M
56.5M
24.8M
12.2M
10.2M
-2.3M
18.3M
22.8M
-9.5M
38.2M
73.4M
111.9M
134.7M
109M
182.4M
205.9M
59.9M
29.5M
-18.8M
45.5M
43.9M
31.6M
30.6M
3.7M
-12.9M
-8.6M
-18.4M
91M
13.7M
30.8M
CASH FLOW SUMMARY
391K
55.1M
57.3M
-31.6M
4M
17.3M
15.4M
1.7M
8.6M
-942K
409K
8.4M
-4.5M
2.2M
-10M
5.6M
8.5M
-1.3M
-14.1M
15M
4.1M
94.7M
37.4M
69M
65M
47.7M
32.3M
30.6M
22M
22.9M
22.5M
14.2M
18.7M
16.5M
26.5M
20.8M
12.4M
13.7M
27.8M
12.9M
4.5M
149.8M
94.7M
37.4M
69M
65M
47.7M
32.3M
30.6M
22M
22.9M
22.5M
14.2M
18.7M
16.5M
26.5M
20.8M
12.4M
13.7M
27.8M
17.6M
9.8M
11.2M
20.9M
57.1M
-18.1M
2M
18.5M
15.3M
3.9M
11.8M
8.8M
13M
5.2M
6.2M
9.4M
4.4M
4.2M
6.7M
3.3M

SEC Filings

FCCO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 29, 2026
May 29, 2026
2026
8-K

8-K 2026

N/A

May 21, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 15, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 07, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 07, 2026
May 20, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 28, 2026
January 28, 2026
2026
8-K

8-K 2026

N/A

January 09, 2026
January 06, 2026
2026
8-K

8-K 2025

N/A

December 16, 2025
December 16, 2025
2025
Showing 1 to 10 of 374 filings