Accessibility Menu
First Community logo

First Community(NASDAQ) FCCO

Market Cap$321.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+410%
5 Year+90%
1 Year+42%
1 Month+7%
$34.20
-0.18%
-0.06Today
After hours$34.35+$0.15 (+0.44%)
First Community last closing stock price
MetricPriceDate
Last closeUSD 34.212026-08-07
First Community stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.64%USD 33.992026-07-31
1 month+7.03%USD 31.962026-07-08
3 month+13.09%USD 30.252026-05-08
Year to date+17.19%USD 29.192025-12-31
1 year+42.04%USD 24.092025-08-07
3 year+94.69%USD 17.572023-08-08
5 year+89.59%USD 18.042021-08-06
Since inception+410.06%USD 6.711998-07-06

First Community Financials at a Glance

Market Cap

$321.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$120.40M

Net Income (TTM)

$23.12M

EPS (TTM)

$2.67

P/E Ratio

12.79

Dividend

$0.65

Beta (Volatility)

0.45 (Low)

Price

$34.20

Volume

26,975

Open

$32.72

Previous Close

$34.21

Daily Range

$32.72 - $34.69

52-Week Range

$24.57 - $35.74

Estimated Earnings Date

Oct 21, 2026

FCCO News

No articles available.

FCCO: Motley Fool Moneyball Superscore

64

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About First Community

First Community helps local businesses and families manage their money and get loans. The company runs 21 bank branches across South Carolina and Georgia. These offices provide everyday tools like checking accounts and business funding.

Banking Tools for Your Community

  • Commercial and Retail Banking: Deposit accounts like checking, savings, and retirement plans for individuals and small businesses.
  • Loan Portfolio: Business loans for equipment or expansion alongside personal loans for cars and home repairs.
  • Mortgage Banking: Fixed and variable rate home loans, with some sold into the secondary market for liquidity.
  • Investment Advisory: Financial planning and insurance services provided through a professional affiliation with LPL Financial.

Expanding Across the Southeast

  • Acquired Cornerstone Bancorp in 2017 to expand operations into the Upstate region of South Carolina.
  • Opened a full-service banking office in York County, South Carolina, in October 2022.
  • Streamlined its branch network by closing a banking office in downtown Augusta, Georgia, in June 2024.

What Sets This Bank Apart

The company focuses on high-growth regions like the Midlands and Upstate where household incomes are rising. It competes with larger institutions by offering personal service to small businesses that require tailored credit solutions.

Checking the Financial Vitals

  • Revenue reached $29.7 million in Q1 2026, up 15.2% from Q1 2025.
  • Net income hit $5.5 million in Q1 2026, up 37.6% year-over-year.
  • Operating income was $5.9 million in Q1 2026, up 14.6% from the previous year.
  • Total assets were $2.1 billion as of December 31, 2025.

Bottom Line

First Community has evolved from a local startup into a regional bank with $2.1 billion in assets. Its steady growth through targeted acquisitions and branch expansion supports a diversified range of banking and investment services.

AI Generated • May 15, 2026

Industry

Banks

Sector

Financials

Employees

282

CEO

Michael C. Crapps, MBA

Website

www.firstcommunitysc.com

Headquarters

Lexington, SC 29072, US

FCCO Financials

Key Financial Metrics (TTM)

Gross Margin

68.97%

Operating Margin

24.12%

Net Income Margin

19.20%

Return on Equity

12.17%

Return on Capital

8.64%

Return on Assets

0.97%

Earnings Yield

7.82%

Dividend Yield

1.90%

Payout Ratio

17.08%

Stock Overview

Market Cap

$321.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

9.40M

Volume

26.98K

Avg. Volume

87.27K

Financials (TTM)

Gross Profit

$83.04M

Operating Income

$29.04M

EBITDA

$30.09M

Operating Cash Flow

$10.10M

Capital Expenditure

-$788.00K

Free Cash Flow

$9.31M

Cash & ST Invst.

$0.00

Total Debt

$111.51M

First Community Performance Analysis

First Community annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 62,378,0001.9%
20232023-12-31USD 83,230,00033.4%
20242024-12-31USD 103,323,00024.1%
20252025-12-31USD 113,861,00010.2%
First Community sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-2.2%
Q42025-12-315.2%
Q12026-03-311.6%
Q22026-06-3014.0%
First Community annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.92-6.2%
20232023-12-31USD 1.55-19.4%
20242024-12-31USD 1.8117.0%
20252025-12-31USD 2.4736.6%
First Community sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30N/A
Q42025-12-31-7.5%
Q12026-03-31-4.8%
Q22026-06-3035.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$33.80M

+19.1%

Gross Profit

$24.00M

+21.4%

Gross Margin

71.01%

N/A

Market Cap

$321.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.17M

N/A

Employees

275

N/A

Net Income

$7.60M

+46.5%

EBITDA

$9.74M

-37.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$0.00

-100.0%

Total Debt

$111.51M

-7.9%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$14.96M

-13.4%

Short Term Debt

$96.55M

-7.0%

Return on Assets

0.97%

N/A

Return on Invested Capital

1.28%

N/A

Free Cash Flow

$0.00

+100.0%

Operating Cash Flow

$0.00

+100.0%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
FVCBFVCBankcorp, Inc.
$18.52-1.12%
CBNAChain Bridge Bancorp, Inc.
$46.66-2.81%
BPRNPrinceton Bancorp Inc.
$42.12-0.28%
AVBHAvidbank Holdings, Inc.
$32.60+0.00%

Trending Stocks

Symbol / CompanyPricePrice Chg
SPCXSpace Exploration Technologies
$133.11+0.16%
TTDThe Trade Desk
$13.80-0.22%
NVDANvidia
$223.96+0.02%
TLTiShares Trust - iShares 20+ Year Treasury Bond ETF
$82.76+0.00%

Questions About FCCO

What is the current price of First Community?

First Community is trading at $34.21 per share.

What is the 52-week range for First Community?

Over the past 52 weeks, First Community has traded between $24.57 and $35.74.

How much debt does First Community have?

As of the most recent reporting period, First Community reported total debt of $111.51M.

How much cash does First Community have on hand?

First Community does not have cash on hand data available.

What is First Community’s dividend yield?

First Community currently has a dividend yield of 1.90%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services