FCCO
First Community CorporationFinancial Services·Banks - Regional
$30.06
$230M market cap
Revenue
$58.9M
Free Cash Flow
$0.3M
Rev Growth
+0.0%
FCF Margin
0.4%
P/FCF
872.5x
EV/FCF
1182.8x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments. Its deposit products include checking, NOW, savings, and individual retirement accounts; and demand deposits, as well as other time
2-Year Price History
$30.42+90.7%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 29.7 | 5.9 | 5.9 | 5.5 | -2.4 | -2.5 | -0.1 | 35.4 | 117.4 | 9.3 | 9.8% | 0.6x | -- |
| Act | 2025-Q4 | 29.2 | 6.8 | 6.8 | 4.8 | 3.3 | 2.8 | -0.6 | 24.6 | 124.1 | 7.8 | 11.6% | 0.8x | -- |
Valuation & Metrics
Market Stats
Price$30.06
Market Cap$230M
Enterprise Value$312M
P/S Ratio3.9x
P/FCF872.5x
EV/FCF1182.8x
FCF Margin (TTM)0.4%
FCF Yield0.1%
Dividend Yield (TTM)2.6%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$58.9M
Net Income$10.3M
Free Cash Flow$0.3M
Revenue Growth (YoY)+0.0%
EBITDA Margin21.7%
Net Margin17.6%
FCF Margin0.4%
CapEx % of Revenue1.1%
SBC % of Revenue0.9%
ROIC10.7%
WC Change % Rev10.6%
Interest Coverage0.7x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover1.0
Change (vs Prior)-37.6%
Need at least 2 settlement dates for chart
Employees
Headcount260
Revenue / Employee$226,338
Gross Profit / Employee$155,392
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
49.7%(+16.1% YoY)
99 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
18.6%(+11.2% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-1.8% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Fourthstone LLC | $17.4M | $21.00 | +$1.7M | +$11.8M | -1.8% | $590M |
| BlackRock, Inc.Passive | $12.8M | $24.60 | +$454K | +$10.0M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $10.8M | $29.07 | +$10.7M | +$10.8M | — | $4.04T |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $10.0M | $17.24 | −$147K | −$569K | -0.2% | $113.45B |
| ALLIANCEBERNSTEIN L.P. | $8.6M | $29.07 | +$8.1M | +$8.6M | — | $307.70B |
| Fifth Third Wealth Advisors LLC | $8.4M | $29.07 | +$8.4M | +$8.4M | -0.1% | $2.96B |
| MALTESE CAPITAL MANAGEMENT LLC | $7.5M | $20.89 | +$111K | +$1.1M | -0.7% | $508M |
| DIMENSIONAL FUND ADVISORS LPPassive | $6.0M | $24.54 | +$610K | +$1.8M | -0.4% | $480.92B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $5.2M | $20.71 | +$260K | +$2.7M | +2.3% | $1.61T |
| TWO SIGMA INVESTMENTS, LP | $4.6M | $25.18 | +$2.8M | +$1.3M | -0.9% | $117.03B |
| Hunter Perkins Capital Management, LLC | $4.5M | $16.15 | −$619K | −$787K | -1.0% | $427M |
| RENAISSANCE TECHNOLOGIES LLC | $3.7M | $23.18 | +$871K | −$390K | +1.2% | $63.91B |
| STATE STREET CORPPassive | $3.3M | $21.48 | +$417K | +$2.3M | -0.2% | $2.89T |
| Independent Advisor Alliance | $3.0M | $17.74 | +$8K | −$50K | +0.8% | $9.21B |
| ACADIAN ASSET MANAGEMENT LLC | $2.7M | $22.26 | −$1.7M | −$1.1M | -0.5% | $70.48B |
| Qube Research & Technologies Ltd | $2.7M | $26.18 | +$2.3M | +$2.2M | +0.3% | $70.36B |
| AMERICAN CENTURY COMPANIES INC | $2.7M | $26.58 | +$596K | +$2.1M | +0.7% | $193.48B |
| Elizabeth Park Capital Advisors, Ltd. | $2.4M | $17.24 | −$449K | −$704K | -1.0% | $130M |
| Russell Investments Group, Ltd. | $2.3M | $21.47 | −$11K | +$422K | +1.5% | $93.03B |
| Cutler Capital Management, LLC | $2.2M | $18.36 | +$0 | +$0 | -0.7% | $310M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.45%
avg per quarter
Holders (ex-self)
-0.48%
excl. this stock
Buyers (this Q)
-0.22%
54 buyers · $0.05B in
Sellers (this Q)
-0.43%
28 sellers · $0.01B out
alpha coverage: 91% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-8.7%
how holders react when this stock falls
On quiet Qs
-4.1%
−10% to +10% baseline
On rallies (+10%+)
-12.6%
how they react when this stock rises
Holders' portfolio flow this Q
+6.5%
inflows — adds are organic
Sellers' portfolio flow this Q
+6.8%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-6.3%
Holder mid (any stock)
-4.4%
Holder rally (any stock)
-4.4%
Biggest decreases this quarter
AMERIPRISE FINANCIAL INCexited−$5.8MACADIAN ASSET MANAGEMENT LLC−$1.7Mα-0.5Hunter Perkins Capital Management, LLC−$619Kα-1.0Trexquant Investment LPexited−$545KElizabeth Park Capital Advisors, Ltd.−$449Kα-1.0Empowered Funds, LLCexited−$392KLOS ANGELES CAPITAL MANAGEMENT & EQUITY RESEARCH INCexited−$359KBAILARD, INC.exited−$264KNewEdge Advisors, LLCexited−$252KSEI INVESTMENTS COexited−$249K
New buyers this quarter
Top-5 holders · 37.4%
Fourthstone LLC--
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
MANUFACTURERS LIFE INSURANCE COMPANY, THE--
ALLIANCEBERNSTEIN L.P.--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Fourthstone LLC596KAMERIPRISE FINANCIAL INC—MANUFACTURERS LIFE INSURANCE COMPANY, THE341KALLIANCEBERNSTEIN L.P.290KBANC FUNDS CO LLC16KFifth Third Wealth Advisors LLC288KFJ Capital Management LLC—MALTESE CAPITAL MANAGEMENT LLC256KWELLINGTON MANAGEMENT GROUP LLP60KSTRATEGIC VALUE BANK PARTNERS LLC—
Analyst Coverage
Analyst Coverage
Analyst Ratings
1
2
2
Strong Buy: 1Buy: 2Hold: 2Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$15K
1 txn · 1 insider · 500 sh
Sells ($, 12mo)
$47K
1 txn · 1 insider · 1,679 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-02-02 | BUY | REYNOLDS E. LELAND | director | 500 | $29.67 | $15K | $918K |
| 2025-09-11 | SELL | TODD RODERICK M JR | director | 1,679 | $28.00 | $47K | $332K |
Order Flow (FINRA, ~3w lag)
10.9%retail+1.1pp
23.1%dark+4.9pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
First Community Corporation: Mature Regional Bank Metadata Indicates Routine Regulatory Compliance
Overall Risk
2/10
Fraud
1/10
Dilution
2/10
Insolvency
2/10
Earnings Overstated
2/10
Hidden Liabilities
1/10
Legal
2/10
Audit Warnings
1/10
Hidden Upside
3/10
Contextually Acceptable
10/10