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+90.0%
5Y+107.0%
10Y+191.0%
3Y+31.0%
5Y+90.0%
10Y+187.0%
3Y-16.0%
5Y-210.0%
10Y+264.0%
First Community Corporation

First Community Corporation Profit Bridge

FCCO ยท NASDAQ
Revenue111.06M
Cost of Goods Sold (35.43M)
Gross Profit75.63M
Operating Expenses (50.40M)
Operating Income25.23M
Interest Expense (35.03M)
Other Income/Expense-369.00K
Pretax Income24.86M
Income Tax (5.65M)
Net Income19.20M
Net Income
19.20M

Profitability Analysis

Gross Margin

68.1%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

22.7%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

17.3%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

22.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

First Community Corporation Income Statement

FCCO โ€ข NASDAQ

First Community Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
111.1M
98.5M
78.3M
58.4M
57.3M
53.8M
51.8M
48.1M
40.8M
38.1M
37.2M
35.3M
29.7M
30.7M
32M
31.4M
37.7M
37.4M
36M
31.5M
GROSS PROFIT
(35.4M)
(38.2M)
(24.9M)
(3M)
(2.6M)
(7.4M)
(5.9M)
(4.3M)
(3.3M)
(3.8M)
(4.5M)
(4.4M)
(4.3M)
(5.9M)
(8.6M)
(11.3M)
(16.2M)
(17.9M)
(16.2M)
(13.5M)
75.6M
60.3M
53.4M
55.3M
54.7M
46.4M
45.9M
43.7M
37.5M
34.3M
32.7M
30.8M
25.4M
24.8M
23.4M
20.1M
21.5M
19.5M
19.8M
18M
OPERATING INCOME
(50.4M)
(42.6M)
(38.4M)
(36.9M)
(35M)
(33.8M)
(32.1M)
(29.8M)
(28.4M)
(25.4M)
(24.3M)
(23.7M)
(20.1M)
(19.2M)
(18.6M)
(17.7M)
(46M)
(30M)
(14.1M)
(13.1M)
(36.1M)
(33M)
(29.2M)
(27.9M)
(27.1M)
(26.1M)
(23.1M)
(21.5M)
(19M)
(17.5M)
(16.6M)
(15.8M)
(13.7M)
(12.9M)
(12M)
(11.4M)
(9.7M)
(8.8M)
(7.8M)
(7.2M)
25.2M
17.8M
15M
18.4M
19.6M
12.6M
13.8M
13.9M
9.1M
8.8M
8.4M
7.1M
5.3M
5.6M
4.8M
2.4M
-24.5M
-10.6M
5.7M
5M
PRE-TAX INCOME
(35M)
(37.4M)
(23.8M)
(3.2M)
(2.2M)
(3.8M)
(5.8M)
(4M)
(2.8M)
(3M)
(3.4M)
(3.6M)
(3.7M)
(5.4M)
(7.2M)
(9.4M)
(13.1M)
(15.8M)
(15.7M)
(12.9M)
62M
52M
48.9M
47.9M
45.3M
40M
36.8M
35.7M
29.4M
26.5M
25.3M
23.7M
18M
17.6M
18.3M
18.1M
17.9M
17.2M
15.3M
14.3M
(14.3M)
(9.6M)
(9.1M)
(9M)
(7.9M)
(7.6M)
(9M)
(8.3M)
(9.3M)
(8M)
(7.7M)
(7.9M)
(6.4M)
(6.3M)
(6.6M)
(6.3M)
(36.3M)
(21.2M)
(6.4M)
(5.9M)
-369K
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
24.9M
17.8M
15M
18.4M
19.6M
12.6M
13.8M
13.9M
9.1M
8.8M
8.4M
7.1M
5.3M
5.6M
4.8M
2.4M
-24.5M
-10.6M
5.7M
5M
NET INCOME
(5.7M)
(3.8M)
(3.2M)
(3.8M)
(4.2M)
(2.5M)
(2.9M)
(2.7M)
(3.3M)
(2.2M)
(2.3M)
(2M)
(1.2M)
(1.6M)
(1.5M)
(565K)
(696K)
-3.8M
(1.7M)
(1.5M)
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

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