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First Community Corporation (FCCO) Fair Value & Analysis

Financial Services · US · Market cap $297M

Price$32.24
Fair Value$26.57
Upside-17.6%
Quality95/100
Evidence: High Range $19.92 – $33.21

Fair value as of: Jun 26, 2026

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Analysis

First Community Corporation (FCCO) currently trades at $32.24, while our model-based Fair Value estimate is $26.57 — implying the stock looks roughly 17.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. 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 al…

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Frequently asked questions

Is First Community Corporation (FCCO) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $26.57 versus a price of $32.24 — about −18% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FCCO?
Our 21-model fair value for First Community Corporation is $26.57 (as of Jun 26, 2026), built from audited fundamentals. The current price is $32.24.
What is the quality score of FCCO?
First Community Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.