📊 FCCO Key Takeaways
Is First Community Corp. /Sc/ (FCCO) a Good Investment?
First Community Corp exhibits critical operational distress with negative operating cash flow and interest coverage of 0.6x, indicating insufficient earnings to service debt obligations. Deteriorated profitability metrics (ROA 0.2%, ROE 2.5%) combined with unsustainable cash burn position the company in financial decline despite nominal net income growth.
FIRST COMMUNITY CORP /SC/ shows solid bottom-line profitability, with $19.20M in net income, 11.5% ROE, 0.9% ROA, and positive free cash flow generation. However, the reported 99.1% revenue decline and extreme margin figures indicate bank-reporting/data-mapping distortions, so the core earnings picture looks stable but growth quality is unclear. The balance sheet appears conservatively positioned with meaningful cash and no reported long-term debt, but underwriting the story requires confirmation that net interest income, deposit costs, and credit quality remain intact.
First Community Corp. /Sc/ Key Strengths (FCCO)
- No long-term debt provides balance sheet cushion
- Substantial cash position of $217.9M relative to $220.8M equity
- Positive net income of $5.5M on consolidated basis
- Profitable with positive net income, healthy ROE, and solid ROA for a community bank
- Positive operating cash flow and free cash flow with low capital intensity
- Balance sheet appears conservatively structured with strong liquidity and no reported long-term debt
FCCO Stock Risks: First Community Corp. /Sc/ Investment Risks
- Negative operating cash flow of -$2.4M signals core business is not self-sustaining
- Interest coverage of 0.6x indicates inability to cover interest expenses from operating income - critical solvency concern
- Extremely weak returns on assets (0.2%) and equity (2.5%) for banking sector suggest operational dysfunction
- Reported revenue collapse and extreme margins suggest financial-statement classification issues that reduce confidence in trend analysis
- Interest coverage of 0.7x points to potential pressure from funding costs or earnings sensitivity to rates
- Growth quality is uncertain because flat net income contrasts with higher EPS, implying benefit from share-count changes rather than core earnings expansion
Key Metrics to Watch
- Operating cash flow trend - current negative trajectory must reverse
- Interest coverage ratio - must exceed 1.5x minimum for viability
- Net interest margin and fee income breakdown for core banking operations
- Net interest margin and net interest income trend
- Nonperforming assets / provision for credit losses
First Community Corp. /Sc/ (FCCO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FCCO Profit Margin, ROE & Profitability Analysis
FCCO vs Finance Sector: How First Community Corp. /Sc/ Compares
How First Community Corp. /Sc/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Community Corp. /Sc/ Stock Overvalued? FCCO Valuation Analysis 2026
Based on fundamental analysis, First Community Corp. /Sc/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Community Corp. /Sc/ Balance Sheet: FCCO Debt, Cash & Liquidity
FCCO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Community Corp. /Sc/'s revenue has declined by 42% over the 5-year period, indicating business contraction. The most recent EPS of $1.55 reflects profitable operations.
FCCO Revenue Growth, EPS Growth & YoY Performance
FCCO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $221.0K | $4.0M | $0.51 |
| Q3 2025 | $228.0K | $3.9M | $0.50 |
| Q2 2025 | $224.0K | $3.3M | $0.42 |
| Q1 2025 | $221.0K | $2.6M | $0.34 |
| Q3 2024 | $228.0K | $1.8M | $0.23 |
| Q2 2024 | $220.0K | $2.6M | $0.42 |
| Q1 2024 | $232.0K | $2.6M | $0.34 |
| Q3 2023 | $240.0K | $1.8M | $0.23 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
First Community Corp. /Sc/ Dividends, Buybacks & Capital Allocation
FCCO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Community Corp. /Sc/ (CIK: 0000932781)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FCCO
What is the AI rating for FCCO?
First Community Corp. /Sc/ (FCCO) has a Combined AI Grade of C from Claude (D) and ChatGPT (B) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FCCO's key strengths?
Claude: No long-term debt provides balance sheet cushion. Substantial cash position of $217.9M relative to $220.8M equity. ChatGPT: Profitable with positive net income, healthy ROE, and solid ROA for a community bank. Positive operating cash flow and free cash flow with low capital intensity.
What are the risks of investing in FCCO?
Claude: Negative operating cash flow of -$2.4M signals core business is not self-sustaining. Interest coverage of 0.6x indicates inability to cover interest expenses from operating income - critical solvency concern. ChatGPT: Reported revenue collapse and extreme margins suggest financial-statement classification issues that reduce confidence in trend analysis. Interest coverage of 0.7x points to potential pressure from funding costs or earnings sensitivity to rates.
What is FCCO's revenue and growth?
First Community Corp. /Sc/ reported revenue of $223.0K.
Does FCCO pay dividends?
First Community Corp. /Sc/ pays dividends, with $1.5M distributed to shareholders in the trailing twelve months.
Where can I find FCCO SEC filings?
Official SEC filings for First Community Corp. /Sc/ (CIK: 0000932781) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FCCO's EPS?
First Community Corp. /Sc/ has a diluted EPS of $0.59.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is FCCO's fundamental grade?
Based on our AI fundamental analysis in June 2026, First Community Corp. /Sc/ has a C grade with 73% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is FCCO stock overvalued or undervalued?
Valuation metrics for FCCO: ROE of 2.5% (sector avg: 12%), net margin of 2,465.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is FCCO's AI grade for 2026?
Our dual AI analysis gives First Community Corp. /Sc/ a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FCCO's free cash flow?
First Community Corp. /Sc/'s operating cash flow is $-2.4M, with capital expenditures of $96.0K. FCF margin is -1,114.8%.
How does FCCO compare to other Finance stocks?
Vs Finance sector averages: Net margin 2,465.5% (avg: 25%), ROE 2.5% (avg: 12%), current ratio N/A (avg: 1.2).