Stocks · Financial Services · Banks - Regional
First Community Corporation FCCO
$32.67 +0.62% Close, Oct 2, 2026 · NASDAQ · Market cap $307.0M
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 22.1% in a year.
- Earnings beat analyst estimates in each of the last 9 quarters (average surprise over the last four: +11.4%).
- The stock is in an uptrend: above its 200-day average for 320 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth59Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 30%
- EPS growth (TTM, YoY)Top 49%
- FCF growth (TTM, YoY)Bottom 13%
- Revenue growth, 3-year CAGRTop 22%
- Revenue growth accelerationTop 38%
Quality34Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 43%
- Gross marginTop 40%
- Operating marginTop 44%
- Cash conversion (OCF / net income)Bottom 23%
- Accruals (lower is better)Bottom 25%
- Net debt / EBITDA (lower is better)Bottom 36%
- Interest coverBottom 43%
Value46Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 35%
- Free-cash-flow yieldBottom 29%
- EBITDA / enterprise valueTop 43%
- Sales / enterprise valueBottom 49%
- P/E vs own 5-year history (lower is better)Bottom 31%
Momentum61Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 31%
- 6-month returnTop 38%
- 1-year return vs S&P 500Top 33%
- Distance from 52-week highTop 42%
- Trend checklist (0–4)Top 48%
Revisions69Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 23%
- Consecutive EPS beatsTop 11%
- Share of analysts rating BuyTop 34%
- Upside to consensus price targetBottom 5%
Stability47Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 43%
- Maximum drawdown, 3 yearsTop 43%
- Beta vs S&P 500 (lower is better)Bottom 42%
- Net debt / EBITDA (lower is better)Bottom 36%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 13.9% | 14.7% | ↑ |
| EPS growth (YoY) | 28.8% | 20.2% | ↓ |
| Gross margin | 64.8% | 69.0% | ↑ |
| Operating margin | 21.2% | 24.1% | ↑ |
| FCF margin | 11.2% | 5.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 14.7% | 13.9% | ↑ | Top 30% |
| EPS growth (TTM, YoY) | 20.2% | 28.8% | ↓ | Top 49% |
| Gross margin | 69.0% | 64.8% | ↑ | Top 40% |
| Operating margin | 24.1% | 21.2% | ↑ | Top 44% |
| Net margin | 19.2% | 16.5% | ↑ | — |
| Free-cash-flow margin | 5.7% | 11.2% | ↓ | — |
| Return on invested capital | 1.0% | — | Bottom 43% | |
| Revenue growth, 3-year CAGR | 23.9% | — | Top 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.34×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.86×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.77%
- Net buyback yield (TTM)
- -0.22%
- Shareholder yield
- 1.55%
- Share count change, 1 year
- +22.1%
- Share count change, 3-year CAGR
- +7.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 9
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +11.4%
- Average 2-day reaction, last 8
- +2.9%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $30.00
- Target vs current price
- -8.2%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 60%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +21.2% | +0.8% | +8.6% | +6.9% | — |
| Apr 22, 2026 | +13.7% | +1.6% | -0.1% | -2.1% | +8.2% |
| Jan 28, 2026 | +3.0% | +0.9% | +7.1% | +5.0% | +4.7% |
| Oct 22, 2025 | +7.5% | +2.4% | +0.4% | +0.4% | +7.5% |
| Jul 23, 2025 | +15.5% | +1.3% | -1.0% | +3.4% | +11.5% |
| Apr 23, 2025 | +8.5% | +6.1% | +7.1% | +8.4% | +14.4% |
| Jan 22, 2025 | +12.2% | +1.4% | +7.0% | +10.6% | -12.1% |
| Oct 16, 2024 | +13.6% | +8.4% | +6.9% | +17.0% | +4.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.84 | $0.69 | +21.2% | $25.1M |
| Apr 22, 2026 | $0.72 | $0.63 | +13.7% | $23.2M |
| Jan 28, 2026 | $0.69 | $0.67 | +3.0% | $20.6M |
| Oct 22, 2025 | $0.72 | $0.67 | +7.5% | $18.8M |
| Jul 23, 2025 | $0.67 | $0.58 | +15.5% | $19.5M |
| Apr 23, 2025 | $0.51 | $0.47 | +8.5% | $17.1M |
| Jan 22, 2025 | $0.55 | $0.49 | +12.2% | $17.5M |
| Oct 16, 2024 | $0.50 | $0.44 | +13.6% | $15.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.2× | 11.2× | 76th | Top 35% |
| P/E (forward) | 10.4× | — | — | — |
| EV / EBITDA | 13.1× | — | — | Top 43% |
| EV / Sales | 3.26× | — | — | Bottom 49% |
| Free-cash-flow yield | 2.25% | — | — | Bottom 29% |
| Earnings yield | 8.20% | — | — | Top 35% |
P/E over the past five years
Range 8.7× – 14.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +18.7%
- Earnings per share growth (TTM)
- +20.2%
- Change in P/E multiple
- +13.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 320
- 50-day average slope (20 days)
- +0.8%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -3.2%
- Distance from 200-day average
- +4.9%
- RSI (14)
- 43.4
- Relative volume
- 0.42×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.3%
- Volatility vs own 5-year history
- 12th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.77
- Correlation with S&P 500
- 0.45
- Current drawdown from 1-year high
- -6.7%
- Maximum drawdown, 3 years
- -26.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 3, 2021 | Apr 16, 2024 | -29.2% | 593 days | 67 days (Jul 23, 2024) |
| Feb 11, 2025 | Apr 8, 2025 | -26.5% | 39 days | 102 days (Sep 4, 2025) |
| Dec 3, 2024 | Jan 13, 2025 | -14.8% | 26 days | 9 days (Jan 27, 2025) |
| Mar 22, 2021 | Apr 28, 2021 | -14.8% | 26 days | 141 days (Nov 16, 2021) |
| Jul 25, 2024 | Aug 5, 2024 | -14.1% | 7 days | 52 days (Oct 17, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $307.0M
- P/E (TTM)
- 12.2
- EPS, diluted (TTM)
- $2.68
- Revenue (TTM)
- $120.4M
- Dividend yield
- 1.99%
- 52-week range
- $25.92 – $35.74
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $57.3M | $58.4M | $78.3M | $98.5M | $111.1M |
| Gross profit | $54.7M | $55.3M | $53.4M | $60.3M | $75.6M |
| Operating income | $19.6M | $18.4M | $15.0M | $17.8M | $25.2M |
| Net income | $15.5M | $14.6M | $11.8M | $14.0M | $19.2M |
| EPS (diluted) | $2.05 | $1.92 | $1.55 | $1.81 | $2.47 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.5M | $25.3M | $25.7M | $28.4M | $27.7M | $29.2M | $29.7M | $33.8M |
| Net income | $3.9M | $4.2M | $4.0M | $5.2M | $5.2M | $4.8M | $5.5M | $7.6M |
| EPS (diluted) | $0.50 | $0.55 | $0.51 | $0.67 | $0.67 | $0.62 | $0.59 | $0.80 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $57.9M | $22.1M | $12.2M | $10.9M | $18.7M |
| Capital expenditure | -$813,000 | -$1.2M | -$1.1M | -$1.1M | -$1.1M |
| Free cash flow | $57.1M | $20.9M | $11.2M | $9.8M | $17.6M |
| Dividends paid | -$3.6M | -$3.9M | -$4.2M | -$4.4M | -$4.8M |
| Net share buybacks | $434,000 | $374,000 | $289,000 | $187,000 | $386,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $28.0M
- Total assets
- $2.37B
- Total liabilities
- $2.14B
- Total debt
- $113.9M
- Net debt
- $85.9M
- Shareholders’ equity
- $228.0M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 4, 2026 | $0.17 | Aug 18, 2026 |
| May 5, 2026 | $0.16 | May 19, 2026 |
| Feb 10, 2026 | $0.16 | Feb 24, 2026 |
| Nov 4, 2025 | $0.16 | Nov 18, 2025 |
| Aug 5, 2025 | $0.16 | Aug 19, 2025 |
| May 6, 2025 | $0.15 | May 20, 2025 |
| Feb 4, 2025 | $0.15 | Feb 18, 2025 |
| Oct 29, 2024 | $0.15 | Nov 12, 2024 |
Short interest
- Shares sold short
- 191,362
- Days to cover
- 4.31
- Change vs previous report
- +4.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 1, 2002
- 5-for-4
- May 29, 2001
- 21-for-20