First Community Financials

FCCO Stock  USD 24.59  0.06  0.24%   
Based on the key measurements obtained from First Community's financial statements, First Community is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March. At this time, First Community's Non Currrent Assets Other are very stable compared to the past year. As of the 26th of February 2025, Liabilities And Stockholders Equity is likely to grow to about 2.2 B, while Property Plant And Equipment Net is likely to drop about 21.4 M. Key indicators impacting First Community's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.460.74
Way Down
Very volatile
Current Ratio0.06830.0719
Notably Down
Slightly volatile
The financial analysis of First Community is a critical element in measuring its lifeblood. Investors should not minimize First Community's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

14.65 Million

  
Understanding current and past First Community Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Community's financial statements are interrelated, with each one affecting the others. For example, an increase in First Community's assets may result in an increase in income on the income statement.

First Community Stock Summary

First Community competes with Community West, First Financial, First Northwest, Home Federal, and First Capital. First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina. First Community operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 247 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3198351047
CUSIP319835104
LocationSouth Carolina; U.S.A
Business Address5455 Sunset Boulevard,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.firstcommunitysc.com
Phone803 951 2265
CurrencyUSD - US Dollar

First Community Key Financial Ratios

First Community Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.4B1.6B1.7B1.8B2.1B2.2B
Net Debt(46.9M)(51.1M)30.4M234.6M269.8M283.3M
Retained Earnings26.5M38.3M49.0M56.3M64.7M68.0M
Cash65.0M69.0M37.4M(66.8M)(76.8M)(73.0M)
Other Assets555.4M332.8M689.6M1.4M1.6M1.5M
Total Liab1.3B1.4B1.6B1.7B2.0B2.0B
Total Current Assets424.9M633.9M369.3M66.8M60.1M57.1M
Common Stock7.5M7.5M7.6M7.6M8.7M4.5M
Other Liab9.0M13.8M13.0M9.4M10.8M6.6M
Accounts Payable988.2M1.2B1.4B1.4B1.6B1.7B
Other Current Assets66.8M70.2M38.3M66.8M60.1M57.1M
Intangible Assets1.1M919K761K604K543.6K516.4K
Inventory1.4M1.2M1.2M934K840.6K798.6K
Other Current Liab1.1B1.4B1.4B1.4B1.6B991.0M
Net Tangible Assets104.1M120.6M125.4M103.0M118.4M91.2M
Capital Surpluse90.5M91.4M92.1M92.7M106.6M87.7M

First Community Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense3.8M2.2M3.2M23.8M37.4M39.3M
Total Revenue53.8M59.0M59.5M10.4M14.0M24.5M
Gross Profit53.8M59.0M59.5M10.4M14.0M24.4M
Operating Income12.6M19.6M21.6M15.0M12.5M7.6M
Ebit12.6M19.6M18.4M15.0M17.3M10.5M
Ebitda14.6M21.6M20.2M15.0M17.3M11.3M
Net Income10.1M15.5M14.6M11.8M14.0M14.7M
Income Tax Expense2.5M4.2M3.8M3.2M3.8M4.0M
Income Before Tax12.6M19.6M18.4M15.0M17.8M18.7M
Tax Provision2.5M4.2M3.8M3.2M3.7M3.3M
Net Interest Income40.0M45.3M47.9M48.9M56.2M41.0M
Interest Income43.8M47.5M51.1M72.7M83.6M47.4M

First Community Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash17.3M4.0M(31.6M)57.3M65.9M69.2M
Free Cash Flow(18.1M)57.1M20.9M11.2M12.8M7.3M
Depreciation2M1.9M1.8M1.9M2.2M1.3M
Other Non Cash Items(28.6M)40.3M6.9M(3.6M)(4.1M)(3.9M)
Capital Expenditures1.1M813K1.2M1.1M1.2M1.7M
Net Income10.1M15.5M14.6M11.8M13.6M14.3M
End Period Cash Flow65.0M69.0M37.4M94.7M108.9M114.3M
Dividends Paid3.6M3.6M3.9M4.2M4.9M5.1M
Investments1.2M271.3M(160.3M)(89.7M)(103.1M)(98.0M)
Net Borrowings82M34.0M13.3M64.5M74.2M77.9M
Change To Netincome139K3.7M335K(152K)(174.8K)(166.1K)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Community's current stock value. Our valuation model uses many indicators to compare First Community value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Community competition to find correlations between indicators driving First Community's intrinsic value. More Info.
First Community is rated # 2 in return on equity category among its peers. It is rated # 3 in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Community is roughly  15.08 . At this time, First Community's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Community's earnings, one of the primary drivers of an investment's value.

First Community Systematic Risk

First Community's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First Community volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on First Community correlated with the market. If Beta is less than 0 First Community generally moves in the opposite direction as compared to the market. If First Community Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First Community is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First Community is generally in the same direction as the market. If Beta > 1 First Community moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in First Community Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Community's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Community growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.79

At this time, First Community's Price Earnings To Growth Ratio is very stable compared to the past year.

First Community February 26, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Community help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Community. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Community based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Community's daily price indicators and compare them against related drivers.
When determining whether First Community offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Community's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Community Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Community Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Community. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.
To learn how to invest in First Stock, please use our How to Invest in First Community guide.
You can also try the Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Community. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Community listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.282
Dividend Share
0.59
Earnings Share
1.81
Revenue Per Share
8.552
Quarterly Revenue Growth
0.162
The market value of First Community is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Community's value that differs from its market value or its book value, called intrinsic value, which is First Community's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Community's market value can be influenced by many factors that don't directly affect First Community's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Community's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Community's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.