📊 FCCO Key Takeaways
Is FCCO a Good Investment? Thesis Analysis
First Community Corp demonstrates solid profitability with $19.2M net income and strong free cash flow generation of $17.6M, but the financial data exhibits critical anomalies that severely limit confidence in the analysis. The extreme revenue contraction (-99.1% YoY) combined with implausibly high profit margins (2083% net margin) and concerning interest coverage of 0.7x suggest either data quality issues, extraordinary one-time events, or accounting irregularities that require investigation.
Why Buy FCCO? Key Strengths
- Strong free cash flow generation of $17.6M with 1906.6% FCF margin indicates cash generation capability
- Fortress balance sheet with zero long-term debt and $161.1M in cash equivalents provides financial flexibility
- Positive ROE of 11.5% demonstrates acceptable shareholder returns on equity base of $167.6M
FCCO Investment Risks to Consider
- Revenue collapsed 99.1% year-over-year, indicating severe operational challenges or non-recurring revenue in prior period
- Profit margins of 2083% are economically implausible for a commercial bank and signal data integrity concerns or extraordinary items masking underlying operations
- Interest coverage ratio of 0.7x is critically low and suggests inability to service debt obligations from operating income
- High volume of insider activity (30 Form 4 filings) during period of financial distress warrants scrutiny
Key Metrics to Watch
- Net interest margin and loan loss provisions to assess core banking profitability
- Revenue normalization and explanation of 99% YoY contraction
- Interest coverage ratio improvement back to sustainable levels above 2.5x
- Asset quality metrics and non-performing loan ratio
FCCO Financial Metrics
💡 AI Analyst Insight
The 1,906.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FCCO Profitability Ratios
FCCO vs Finance Sector
How FIRST COMMUNITY CORP /SC/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FCCO Overvalued or Undervalued?
Based on fundamental analysis, FIRST COMMUNITY CORP /SC/ appears fundamentally strong 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.
FCCO Balance Sheet & Liquidity
FCCO 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
FCCO Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $220.0K | $3.1M | $0.41 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
FCCO Capital Allocation
FCCO SEC 10-K & 10-Q Filing 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 an AI rating of HOLD with 35% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FCCO's key strengths?
Claude: Strong free cash flow generation of $17.6M with 1906.6% FCF margin indicates cash generation capability. Fortress balance sheet with zero long-term debt and $161.1M in cash equivalents provides financial flexibility.
What are the risks of investing in FCCO?
Claude: Revenue collapsed 99.1% year-over-year, indicating severe operational challenges or non-recurring revenue in prior period. Profit margins of 2083% are economically implausible for a commercial bank and signal data integrity concerns or extraordinary items masking underlying operations.
What is FCCO's revenue and growth?
FIRST COMMUNITY CORP /SC/ reported revenue of $922.0K.
Does FCCO pay dividends?
FIRST COMMUNITY CORP /SC/ pays dividends, with $4.8M 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 $2.47.
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 rating reflects both perspectives for balanced insights.
Is FCCO a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FIRST COMMUNITY CORP /SC/ has a HOLD rating with 35% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FCCO stock overvalued or undervalued?
Valuation metrics for FCCO: ROE of 11.5% (sector avg: 12%), net margin of 2,083.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FCCO stock in 2026?
Our dual AI analysis gives FIRST COMMUNITY CORP /SC/ a combined HOLD rating 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 $18.7M, with capital expenditures of $1.1M. FCF margin is 1,906.6%.
How does FCCO compare to other Finance stocks?
Vs Finance sector averages: Net margin 2,083.0% (avg: 25%), ROE 11.5% (avg: 12%), current ratio N/A (avg: 1.2).