First Community Corp /Sc/
FCCO Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$32.92
KIRA · Stoqly’s AI analyst, in plain words
- First Community Corp /Sc/ had $0.9M of revenue in fiscal 2025, down 3.2% on the year before. Over five years, revenue changed −3.8% a year on average.
- First Community Corp /Sc/ made $19.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 10.8% a year.
- First Community Corp /Sc/ returned $4.8M to shareholders in fiscal 2025, 27% of free cash flow. The diluted share count rose 0.8%.
- It earned 12.3% on shareholders’ money. Running costs took 5,785.0% of revenue (the efficiency ratio; lower is better).
Market cap
$313M
P/E
12.3x
Revenue
$0.9M
Net income
$19.2M
Return on equity
12.3%
Efficiency ratio
5,785.0%
First Community Corp /Sc/ in 30 seconds · fiscal 2025
Are sales growing?
−3.2%
No. Sales fell 3.2% last year.
Does it make a profit?
2,083.0%
Yes. It keeps 2,083.0% of every sale as profit.
How lean are its costs?
5,785.0%
Costly. Running costs take 5,785.0% of revenue.
How much does it earn on its capital?
12.3%
Good. It earns 12.3% a year on shareholders’ money.
How is the share priced?
12.3x
One share costs 12.3 times its yearly profit per share.
What First Community Corp /Sc/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- FIRST COMMUNITY CORP /SC/
- CIK
- 0000932781
First Community Corp /Sc/ · FCCO
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.0M | $1.0M | $1.0M | $1.0M | $0.9M |
| Revenue growth | −12.8% | −1.7% | 0.3% | −1.1% | −3.2% |
| Net interest income | $45.3M | $47.9M | $48.9M | $52.0M | $62.0M |
| Net income | $15.5M | $14.6M | $11.8M | $14.0M | $19.2M |
| Net margin | 1,582.9% | 1,522.2% | 1,229.8% | 1,465.9% | 2,083.0% |
| Diluted EPS | $2.05 | $1.92 | $1.55 | $1.81 | $2.47 |
| Cash | |||||
| Cash from operations | $57.9M | $22.1M | $13.0M | $11.6M | $18.7M |
| Capital expenditure | $0.8M | $1.2M | $1.1M | $1.1M | $1.1M |
| Free cash flow | $57.1M | $20.9M | $11.9M | $10.5M | $17.6M |
| FCF margin | 5,846.0% | 2,177.3% | 1,240.8% | 1,105.8% | 1,906.6% |
| Dividends paid | $3.6M | $3.9M | $4.2M | $4.4M | $4.8M |
| Share count change | 0.9% | 0.8% | 0.5% | 0.7% | 0.8% |
| Debt and strength | |||||
| Cash and short-term investments | $69.0M | $37.4M | $94.7M | $150M | $161M |
| Loans, net | $853M | $970M | $1.1B | $1.2B | $1.3B |
| Deposits | $1.4B | $1.4B | $1.5B | $1.7B | $1.7B |
| Shareholders' equity | $141M | $118M | $131M | $144M | $168M |
| Returns and quality | |||||
| Return on equity | 11.2% | 11.3% | 9.5% | 10.1% | 12.3% |
| Return on tangible equity | 12.3% | 14.2% | 10.2% | 10.8% | 12.6% |
| Efficiency ratio | 4,012.4% | 4,297.2% | 4,480.2% | 4,985.8% | 5,785.0% |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$1.2M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Community Corp /Sc/ · FCCO
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $32.92 a share, the company is worth $313M: 12.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000932781). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.