YOLFTbeta
First Community Corporation

First Community Corporation

FCCO · NASDAQ · Financial Services / Banks - Regional

32.67USD-0.05 (-0.15%)

Price History

Full chart

Market Stats

Previous Close32.72
Open32.86
Day Range32.18 – 33.07
52-Week Range25.37 – 35.56
Volume20.60K
Market Cap309.72M
P/E (TTM)12.29
Forward P/E11.64
EPS2.68
Dividend Yield2.08%
Beta0.34
50-Day Avg33.77
200-Day Avg31.08

About

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. It operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. The company's 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. Its 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. The company 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, it 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Michael C. Crapps
  • Employees298
  • Headquarters5455 Sunset Boulevard, Lexington, SC, United States, 29072, USA
  • Websitehttps://www.firstcommunitysc.com

Leadership

  • Mr. Michael C. CrappsCEO, President & Director · b. 1959
  • Mr. Donald Shawn JordanExecutive VP & CFO · b. 1968
  • Mr. John Ted NissenExecutive VP, Chief Banking Officer & Director · b. 1962
  • Ms. Sarah T. DonleyExecutive Vice President & Chief Operations & Risk Officer · b. 1966
  • Ms. Robin D. BrownExecutive Vice President & Chief Human Resources and Marketing Officer · b. 1968
  • Mr. John F. Walker IVExecutive VP & Chief Credit Officer · b. 1966
  • Ms. Susan SexsonAssistant VP & Head Teller at Goodman Region
  • Mr. Vaughan R. Dozier Jr.Executive VP & Co-Chief Commercial and Retail Banking Officer · b. 1981
  • Mr. Joseph Andrew PainterExecutive VP & Co-Chief Commercial and Retail Banking Officer · b. 1978
  • Mr. Fred J. DeutschDirector of Specialty Business Lending & Non-Independent Director · b. 1965

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue194.59K1.01M1.85M2.53M4.20M8.32M10.55M11.08M11.47M14.82M24.64M31.49M35.97M37.42M37.67M31.36M32.00M30.70M29.66M35.29M37.21M38.11M40.83M48.07M51.81M53.77M57.25M58.37M10.42M98.53M111.06M
Growth (%)-+417.49%+83.50%+37.19%+65.68%+98.16%+26.75%+5.02%+3.51%+29.21%+66.29%+27.78%+14.25%+4.02%+0.68%-16.77%+2.05%-4.08%-3.36%+18.97%+5.43%+2.41%+7.15%+17.74%+7.78%+3.78%+6.47%+1.94%-82.15%+845.46%+12.72%
Cost of Revenue175.02K881.05K1.59M2.10M2.70M3.51M4.50M3.48M2.55M3.69M8.68M13.45M16.16M17.94M16.21M11.25M8.63M5.92M4.26M4.45M4.53M3.82M3.29M4.33M5.92M7.42M2.58M3.02M72.58M38.19M35.43M
Gross Profit19.57K125.92K262.07K436.40K4.20M4.81M6.05M7.60M8.92M11.12M15.96M18.04M19.82M19.48M21.46M20.10M23.37M24.77M25.40M30.84M32.67M34.29M37.54M43.75M45.89M46.36M54.68M55.34M10.42M60.34M75.63M
Gross Margin10.06%12.51%14.18%17.22%100.00%57.79%57.38%68.59%77.79%75.08%64.78%57.28%55.08%52.06%56.98%64.11%73.03%80.70%85.63%87.40%87.81%89.97%91.94%91.00%88.57%86.21%95.50%94.82%100.00%61.24%68.10%
Operating Expense479.13K-338.49K10.89K-470.45K500.00K3.31M4.38M5.38M6.16M7.98M11.84M13.08M14.13M30.03M46.00M17.68M18.59M19.18M20.11M23.74M24.27M25.44M28.39M29.82M32.06M33.76M35.03M36.93M-4.62M42.56M50.40M
Operating Income-459.56K464.42K251.18K906.86K3.70M1.50M1.67M2.22M2.76M3.15M4.13M4.95M5.69M-10.55M-24.54M2.42M4.78M5.59M5.29M7.10M8.40M8.85M9.14M13.92M13.83M12.60M19.65M18.41M15.04M17.77M25.23M
Operating Margin-236.17%46.12%13.59%35.77%88.10%18.07%15.86%20.06%24.09%21.24%16.74%15.73%15.82%-28.21%-65.13%7.71%14.94%18.20%17.83%20.13%22.58%23.22%22.40%28.96%26.69%23.42%34.32%31.54%144.32%18.04%22.72%
EBITDA65.25K169.13K328.89K986.24K3.70M1.73M2.18M3.06M3.80M4.10M5.65M6.13M6.78M-9.02M-22.93M3.92M6.14M6.65M6.31M8.50M10.04M10.50M10.94M16.00M15.95M14.60M21.56M20.23M15.04M19.63M35.09M
EBITDA Margin33.53%16.80%17.80%38.91%88.10%20.77%20.66%27.59%33.12%27.64%22.92%19.48%18.86%-24.09%-60.86%12.51%19.18%21.68%21.27%24.09%26.99%27.55%26.78%33.29%30.78%27.14%37.66%34.66%144.32%19.93%31.59%
Net Income-557.83K-281.63K251.18K846.93K800.00K984.04K1.10M1.46M1.80M2.18M3.09M3.50M3.96M-6.79M-25.23M1.85M3.32M3.97M4.14M5.12M6.13M6.68M5.82M11.23M10.97M10.10M15.46M14.61M11.84M13.96M19.20M
Net Income Margin-286.67%-27.97%13.59%33.41%19.05%11.82%10.46%13.22%15.67%14.75%12.55%11.12%11.02%-18.15%-66.98%5.91%10.39%12.93%13.95%14.51%16.47%17.53%14.24%23.36%21.17%18.78%27.01%25.04%113.65%14.16%17.29%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense98.27K746.05K1.39M1.92M2.50M3.35M4.09M2.80M2.38M3.45M8.35M12.92M15.67M15.81M13.10M9.37M7.21M5.43M3.73M3.57M3.40M3.05M2.76M3.98M5.78M3.75M2.24M3.17M23.80M37.38M35.03M
Interest Expense % of Total Revenue50.50%74.09%75.33%75.72%59.52%40.28%38.75%25.30%20.76%23.27%33.88%41.04%43.55%42.25%34.78%29.90%22.53%17.68%12.59%10.11%9.13%8.00%6.76%8.28%11.16%6.98%3.91%5.44%228.43%37.94%31.54%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets19.38M38.13M51.01M73.15M94.90M111.99M156.56M195.20M215.03M455.71M467.45M548.06M565.61M650.23M605.83M599.02M593.89M602.92M633.31M812.36M862.73M914.79M1.05B1.09B1.17B1.40B1.58B1.67B1.83B1.96B2.06B
Total Liabilities13.24M32.35M44.90M59.54M80.90M96.62M139.78M176.76M195.52M405.24M416.69M484.85M501.62M582.08M564.39M557.23M545.99M548.74M580.64M737.84M783.70M832.93M945.07M979.10M1.05B1.26B1.44B1.55B1.70B1.81B1.89B
Total Equity6.14M5.78M6.11M13.61M14.00M15.37M16.78M18.44M19.51M50.46M50.77M63.21M64.00M68.16M41.44M41.80M47.90M54.18M52.67M74.53M79.04M81.86M105.66M112.50M120.19M136.34M141.00M118.36M131.06M144.49M167.56M
Cash4.85M7.73M5.49M5.61M3.40M3.78M6.41M8.63M9.15M10.20M11.79M10.07M9.49M9.39M20.39M26.22M16.11M18.30M13.91M21.93M22.35M21.40M29.99M32.21M47.69M64.99M69.02M37.40M-66.79M149.83M161.06M
Total Debt169.36K299.56K111.38K32.41K3.50M3.07M4.21M7.47M9.10M65.65M63.96M64.84M89.82M152.30M109.63M96.36M75.39M67.71M77.42M77.12M75.75M58.53M48.48M43.22M18.44M18.08M17.91M67.80M167.83M120.72M124.53M
Net Debt-4.68M-7.43M-5.38M-5.57M100.00K-710.04K-2.20M-1.16M-46.66K55.46M52.18M54.77M80.33M142.91M89.24M70.15M59.28M49.41M63.52M22.34M17.40M37.13M18.50M11.01M-29.25M-46.91M-51.11M30.39M234.61M-29.11M-36.53M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-674.29K-10.48K610.24K1.12M700.00K1.43M2.10M2.60M3.04M2.99M4.15M6.63M6.69M4.96M4.91M9.66M6.55M6.03M16.26M12.01M14.51M5.13M18.35M19.97M4.99M-17.05M57.93M22.13M12.23M10.87M18.69M
Investing Cash Flow-14.44M-16.10M-15.24M-21.88M-21.70M-14.07M-25.88M-36.32M-13.03M-44.65M-22.24M-22.45M-34.52M-97.23M22.01M4.60M-3.63M-7.48M-51.45M-35.21M-57.98M-51.54M9.00M-47.81M-49.20M-171.52M-236.28M-162.78M-89.67M-67.63M-80.81M
Financing Cash Flow19.96M18.99M12.39M20.88M21.60M15.43M29.64M36.72M18.62M34.51M11.62M30.78M13.70M90.96M-18.44M-8.64M-12.88M3.66M30.64M31.57M43.88M45.46M-18.76M29.52M59.63M205.87M182.38M109.03M134.74M111.89M73.36M
Capital Expenditure1.59M1.19M624.79K815.97K1.90M1.07M896.27K817.23K1.80M2.43M2.60M3.37M198.85K709.00K472.00K242.00K308.00K806.00K3.31M3.21M2.67M1.24M3.07M1.47M2.79M1.09M813.00K1.22M1.07M1.10M1.11M
Free Cash Flow-2.27M-1.20M-14.55K300.82K-1.20M358.12K1.20M1.78M1.24M557.98K1.56M3.26M6.69M4.25M4.43M9.42M6.24M5.23M12.96M8.79M11.84M3.90M15.28M18.51M2.20M-18.13M57.12M20.90M11.15M9.77M17.58M
Dividends Paid-------190.56K301.97K381.88K565.43K708.00K874.00K1.03M1.34M1.19M1.20M1.08M1.15M1.48M1.83M2.12M2.47M3.03M3.31M3.57M3.59M3.91M4.24M4.42M4.75M
FCF to OCF336.21%11471.05%-2.38%26.94%-171.43%25.06%57.29%68.54%40.76%18.69%37.49%49.21%100.00%85.69%90.38%97.49%95.30%86.64%79.67%73.22%81.58%75.91%83.26%92.67%44.04%106.38%98.60%94.47%91.24%89.91%94.06%
Dividend Paid to FCF-------10.70%24.36%68.44%36.33%21.71%13.07%24.16%30.31%12.60%19.15%20.67%8.84%16.88%15.49%54.31%16.19%16.39%150.41%-19.70%6.29%18.72%37.97%45.17%27.02%

Earnings

Report DateJul 16, 2003Oct 22, 2003Jan 21, 2004Apr 21, 2004Jul 21, 2004Oct 20, 2004Jan 19, 2005Apr 20, 2005Jul 20, 2005Oct 19, 2005Jan 18, 2006Apr 19, 2006Jul 19, 2006Oct 18, 2006Jan 17, 2007Apr 18, 2007Jul 18, 2007Oct 17, 2007Jan 16, 2008Apr 16, 2008Jul 30, 2008Oct 22, 2008Jan 21, 2009Apr 22, 2009Jul 29, 2009Oct 21, 2009Jan 20, 2010Apr 21, 2010Jul 21, 2010Oct 20, 2010Jan 19, 2011Apr 20, 2011Jul 20, 2011Oct 19, 2011Jan 18, 2012Apr 18, 2012Jul 11, 2012Oct 17, 2012Jan 16, 2013Apr 17, 2013Jul 17, 2013Oct 16, 2013Jan 22, 2014Apr 16, 2014Jul 16, 2014Oct 22, 2014Jan 21, 2015Apr 22, 2015Jul 22, 2015Oct 21, 2015Jan 20, 2016Apr 20, 2016Jul 20, 2016Oct 19, 2016Jan 18, 2017Apr 19, 2017Jul 19, 2017Oct 18, 2017Jan 17, 2018Apr 18, 2018Jul 18, 2018Oct 17, 2018Jan 16, 2019Apr 17, 2019Jul 17, 2019Oct 16, 2019Jan 22, 2020Apr 22, 2020Jul 22, 2020Oct 21, 2020Jan 20, 2021Apr 21, 2021Jul 21, 2021Oct 20, 2021Jan 19, 2022Apr 20, 2022Jul 20, 2022Oct 19, 2022Jan 18, 2023Apr 19, 2023Jul 19, 2023Oct 18, 2023Jan 24, 2024Apr 17, 2024Jul 17, 2024Oct 16, 2024Jan 22, 2025Apr 23, 2025Jul 23, 2025Oct 22, 2025Jan 28, 2026Apr 22, 2026Jul 22, 2026Oct 21, 2026
EPS Estimate--------------0.280.260.240.260.340.310.32-1.180.310.050.040.130.110.130.150.130.120.080.090.150.220.190.210.170.210.200.210.190.160.170.220.220.220.200.230.250.240.220.240.250.260.230.270.290.280.310.370.390.370.340.360.350.350.300.200.300.340.420.470.480.490.430.440.460.510.490.390.380.370.340.360.440.490.450.560.650.680.630.690.80
EPS Actual0.280.270.260.250.260.290.280.260.240.250.280.280.290.270.260.220.270.350.370.350.38-1.22-0.120.230.080.160.220.130.100.070.070.120.170.250.230.220.230.230.200.200.230.200.200.190.180.230.250.210.220.250.240.220.260.300.260.260.310.320.290.350.390.370.350.320.370.390.360.240.300.310.460.430.470.620.510.460.410.520.530.450.420.230.430.340.410.500.570.510.680.710.660.720.84-
Surprise---------------7.14%-15.38%12.50%34.62%8.82%12.90%18.75%-3.39%-138.71%360.00%100.00%23.08%100.00%0.00%-33.33%-46.15%-41.67%50.00%88.89%66.67%4.55%15.79%9.52%35.29%-4.76%0.00%9.52%5.26%25.00%11.76%-18.18%4.55%13.64%5.00%-4.35%0.00%0.00%0.00%8.33%20.00%0.00%13.04%14.81%10.34%3.57%12.90%5.41%-5.13%-5.41%-5.88%2.78%11.43%2.86%-20.00%50.00%3.33%35.29%2.38%0.00%29.17%4.08%6.98%-6.82%13.04%3.92%-8.16%7.69%-39.47%16.22%0.00%13.89%13.64%16.33%13.33%21.43%9.23%-2.94%14.29%21.74%-
Timing--------------After-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap309.72M
Enterprise Value261.49M
Trailing P/E12.29
Forward P/E11.64
PEG Ratio1.83
Price / Sales3.51
Price / Book1.33
EPS2.68
Book Value24.25
Revenue (TTM)88.28M
Gross Profit (TTM)88.28M
Profit Margin26.18%
Operating Margin42.53%
Return on Equity12.06%
Return on Assets1.05%
Shares Outstanding9.40M
Shares Float8.66M
Beta0.34
Dividend Yield2.08%
Dividend Rate0.68
Payout Ratio22.18%

Analyst Ratings

Strong Buy
Based on 3 analystsTarget 37.83
  • Strong Buy
    3

Ownership Breakdown

Institutions
63.91%
Insiders
7.46%
Retail / Other
28.63%

Top Institutional Holders

  • BlackRock Inc
    438.16K4.66%
  • Vanguard Capital Management, LLC
    369.40K3.93%
  • Manufacturers Life Insurance Co
    341.33K3.63%
  • AllianceBernstein L.P.
    289.83K3.08%
  • Fifth Third Wealth Advisors LLC
    283.42K3.02%
  • Maltese Capital Management LLC
    250.43K2.66%
  • Dimensional Fund Advisors, Inc.
    234.35K2.49%
  • Geode Capital Management, LLC
    178.65K1.90%
  • Citadel Advisors Llc
    157.02K1.67%
  • Hunter Perkins Capital Management, LLC
    152.61K1.62%
  • American Century Companies Inc
    149.19K1.59%
  • Renaissance Technologies Corp
    125.33K1.33%
  • Two Sigma Investments LLC
    122.19K1.30%
  • State Street Corp
    112.62K1.20%
  • Independent Advisor Alliance
    101.12K1.08%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    268.18K2.85%
  • iShares Russell 2000 ETF
    230.74K2.45%
  • JHancock Regional Bank A
    182.97K1.95%
  • Avantis US Small Cap Value ETF
    133.44K1.42%
  • JH Financial Opportunities
    132.91K1.41%

Dividends

20264×
0.17Nov 3, 20260.17Aug 4, 20260.16May 5, 20260.16Feb 10, 2026
20254×
0.16Nov 4, 20250.16Aug 5, 20250.15May 6, 20250.15Feb 4, 2025
20244×
0.15Oct 29, 20240.15Jul 30, 20240.14Apr 29, 20240.14Feb 5, 2024
20234×
0.14Oct 30, 20230.14Jul 31, 20230.14May 1, 20230.14Jan 30, 2023
20224×
0.13Oct 31, 20220.13Aug 1, 20220.13May 2, 20220.13Jan 31, 2022
20214×
0.12Nov 1, 20210.12Aug 2, 20210.12May 3, 20210.12Feb 1, 2021

Stock Splits

  • Mar 1, 20025:4
  • May 29, 2001105:100