First Community Corporation Common Stock (FCCO)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $32.29 on 2026-10-13, First Community trades at 12.05 times FairStock's EPS figure of $2.68 and 1.33 times book, for a $303.5M market cap. That is not a screaming Graham bargain, but a 12.06% ROE and 2.10% dividend yield make it a respectable small bank if credit stays clean. The Lynch classification is STALWART: 13.7% annual profit growth over five years but revenue -3.8%, meaning earnings have improved more than the top line. Filed figures show net income of $7.6M and diluted EPS of $0.80 in fiscal Q2 2026, up from $5.2M and $0.67 in fiscal Q2 2025. For FY2025, net income was $19.2M and diluted EPS $2.47, versus $14.0M and $1.81 in FY2024 and $11.8M and $1.55 in FY2023. The profit trajectory is therefore good. But the Piotroski F-Score is only 3/9, and the filed revenue line—$213,000 in fiscal Q2 2026 and $922,000 in FY2025—is odd enough that I would not underwrite it without bank-specific detail. As a bank, I want CET1, net interest margin, nonperforming loans, reserves, and charge-offs; none are in this data, nor is a combined ratio. Without those, the 1.33 P/B and 12.06% ROE are fair-looking, but the margin of safety is not obvious. Beta of 0.33 suggests low market volatility, not low credit risk. This is a watchlist Stalwart, not a fat pitch.

In plain English: First Community Corporation is a small regional bank holding company that serves businesses and individuals. Its profits have been moving higher and it pays a modest dividend, but the financial-quality signals are mixed and some key bank details are not available. At the current price, the shares look roughly fair compared with the company’s earnings and net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer