First Community Corporation (FCCO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of First Community Corporation stock $15.25, price $32.92, that is 53.7% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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First Community Corporation
FCCO · USOur calculation puts a fair price 54% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $14.92 – $35.01 · fair‑value band $13.61 – $18.90 · the $32.92 price screens above the $15.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.
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Company profile
First Community Corporation operates as the bank holding company for First Community Bank that provides various commercial and retail banking products and services to small-to-medium sized businesses, professionals, and individuals.
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It operates through Commercial and Retail Banking, Mortgage Banking, and Investment Advisory and Non-Deposit segments.
The company's deposit products include checking, NOW, savings, and individual retirement accounts; and demand deposits, as well as other time deposits, such as daily money market accounts and longer-term certificates of deposit.
Its loan portfolio comprises commercial loans that include secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans comprising secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans.
The company also provides online banking, cash management, and internet banking services; and safe deposit boxes, direct deposits of payroll and social security checks, and automatic drafts for various accounts.
In addition, it offers non-deposit investment products and other investment brokerage services; credit cards; and investment advisory and insurance services. The company was incorporated in 1994 and is headquartered in Lexington, South Carolina.
Stock analysis
First Community Corporation (FCCO) currently trades at $32.92, while our model-based Fair Value estimate is $15.25, 54% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $24.65 per share, and 0 of the 6 models we run sit above the $32.92 price.
Bear case: the Dividend Discount group reads lowest at $6.08, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $13.61 (bear) to $18.90 (bull), the price of $32.92 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
First Community Corporation reported revenue of $111M in FY2025 versus $57.3M in FY2021, a compound +18.0%/yr. Reported net income was $19.2M in FY2025, compounding +5.6%/yr from FY2021.
Key figures
Market cap $313M Small · P/E ratio 11.5 · P/S ratio 3.35 · EPS (TTM) $2.86 · Dividend yield 2.0% · Net margin 27.8% · Return on equity 14.1% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −54%, FCCO screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $42,438, on Aug 25, 2026. Over the same period, 2 people sold shares worth $1.2M.
- SaleFred Joseph DeutschDirector3× since Jul 28, 2026: 18,899 shares, avg. $34.27$647,731Oct 5, 2026
- SaleJonathan W BeenDirector14,800 shares at $34.05$503,940Sep 3, 2026
- BuyJane S SosebeeDirector1,250 shares at $33.95$42,438Aug 25, 2026
- BuyE. Leland ReynoldsDirector500 shares at $29.67$14,835Feb 2, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FCCO screens overvalued: fair value 54% below the price. Compare with China Merchants Bank Co →
Compare First Community Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FCCO |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FCCO |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FCCO |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FCCO |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FCCO |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FCCO |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs FCCO |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FCCO |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FCCO |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FCCO |
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Frequently asked questions
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Key figures of First Community Corporation
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