FIRST COMMUNITY CORP (FCCO)
Financials · Community banking / Regional bank · NASDAQ
A South Carolina-based community bank holding company serving small-to-medium businesses and professionals across the Southeast with commercial lending, mortgages, and wealth management services.
What FIRST COMMUNITY CORP does
First Community Corporation is a bank holding company that owns First Community Bank, a South Carolina-based community bank serving small-to-medium-sized businesses, professionals, and individuals across the Midlands, Upstate, Piedmont, and Central Savannah River Area regions of South Carolina and Georgia. As of December 31, 2025, the company operated 21 full-service branch offices and offered traditional banking products including consumer and commercial loans, mortgages, brokerage and investment services, and insurance services.
Themes: Community banking, Small-to-medium business lending, Mortgage banking, Regional bank growth (Southeast), Wealth management / investment advisory
Fundamentals
- Price$33.72 as of 2026-08-21 close
- Market cap$317M as of 2026-08-21
- 1-year return+29.4% 2025-08-21 close $26.06 → 2026-08-21 close $33.72
- P/E14.06 as of 2026-08-24
- Net margin+21.0% as of 2026-08-24
- ROE+11.7% as of 2026-08-24
- Debt / equity0.52 as of 2026-08-24
- Revenue growth (YoY)+40.8% as of 2026-08-24
- Beta0.32 as of 2026-08-24
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.2%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How FCCO compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FCCO's dividend was covered by reported results (earnings payout 25%, free-cash-flow payout 27%). This describes past coverage, not a forecast.
- Earnings payout25% dividends / net income
- Free-cash-flow payout27% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FIRST COMMUNITY CORP looks technically
FIRST COMMUNITY CORP (FCCO) is trading 11.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 283 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 19 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move. Trading volume is running unusually high — about 2.0× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 11.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +11.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $33.17 | $33.17 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $30.36 | $30.36 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 14 calendar days ago — the swings before that are what the structure reading is measured on | 14 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 32.7152. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 283 trading days ago — a "golden cross", a bullish long-term signal | 283 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend) | 13.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 49.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($32.72 to $35.17) — its "stochastic" reading is 41 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 40.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 11 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $35.73 | $35.73 |
|---|---|---|
| From the 52-week high | it is 5.6% below its 52-week high (its highest price of the past year) | -5.6% |
| Above the 52-week low | it is 31.4% above its 52-week low (its lowest price of the past year) | +31.4% |
| Below the 52-week high | it is 5.6% below its highest point of the past year | 5.6% |
| Since a 20-day breakout | it made a new 20-day high about 19 trading days ago | 19 sessions |
| Since a 55-day breakout | it made a new 55-day high about 19 trading days ago | 19 sessions |
| All-time high | its highest closing price on record is $35.73 (set on 2026-07-29) | $35.73 |
| Given back of the 52-week move | over the past year its closes ranged ($25.80 to $35.01), and it has given back only a small part of its rise from last year’s low — 14% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $29.02 to $29.32. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 14.0% |
| From the all-time high | it is 5.6% below its all-time high | -5.6% |
| Nearest price level | it is trading 0.6% below a resistance level at $33.93 — a price it turned at three times since 2026-06-26, most recently on 2026-07-16. Since 2024-08-21 it has 14 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.6% |
| All-time low | its lowest closing price on record is $4.69 (set on 2011-09-20) | $4.69 |
| Above the all-time low | it is 619.0% above its all-time low | +619.0% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 0th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9691 between its high and its low — about 2.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9691 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $33.55 and $34.96 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $33.55 – $34.25 – $34.96 |
| Typical daily range (% of price) | its price moves about 2.9% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.9% |
| Stretch from the 200-day average | it is trading 3.5 daily ranges above its 200-day average price (11.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.5 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.0× its 30-day average, a sign of heightened interest | 2.03× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 1.3% since the prior reading | +1.3% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a bullish engulfing | 1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 1 session ago |
|---|---|---|
| Since a bearish engulfing | 5 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.3% |
|---|---|---|
| Gap filled | a 4.5% gap down opened on 2026-08-07 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 10 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 2.3 percentage points (the stock gained 4.6% while the market gained 2.3%) | +2.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 7.6 percentage points (the stock gained 10.7% while the market gained 3.1%) | +7.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 0.9 percentage points (the stock gained 10.1% while the market gained 11.1%) | -0.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 8.9 percentage points (the stock gained 29.4% while the market gained 20.5%) | +8.9% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.7% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.8% of the share price. | +3.7% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 10% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $30.77 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +9.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $34.10 — a volume-weighted average of daily closes over 23 sessions, not a true tick-by-tick VWAP. | -1.1% |
Price levels it has turned at before
FCCO last closed at $33.72 on 2026-08-21. Since 2024-08-21 it has turned at 14 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $33.93 | Resistance | 0.6% above the last close | turned there three times · 2026-06-26 to 2026-07-16 |
| $31.44 | Support | 6.8% below the last close | turned there five times · 2025-12-16 to 2026-07-22 |
| $30.69 | Support | 9.0% below the last close | turned there 7 times · 2025-12-31 to 2026-06-17 |
| $29.71 | Support | 11.9% below the last close | turned there twice · 2026-03-23 to 2026-06-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $32.72.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $37.15 and $39.89 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $32.72.
This reading has stood for 6 trading days, since 2026-08-14.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Unusually heavy trading volume · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Analyst price target recently RAISED · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout · bollinger bands · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.00 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$37.83 range $37.50 – $38.00; median $38.00
Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FCCO
- Consensus EPS estimate$0.8033 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk exposure from loan portfolio concentration in small-to-medium businesses and individuals in specific geographic regions (South Carolina and Georgia)","Interest rate risk from deposit and loan portfolio sensitivity to changes in market rates, affecting net interest margin","Integration risk and execution risk related to acquisitions and organic growth initiatives"]
What changed in the latest 10-Q
AI-assisted comparison of FCCO's 10-Q filed 2026-05-15 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference updated from Annual Report on Form 10-K for year ended December 31, 2024 filed March 14, 2025 to year ended December 31, 2025 filed March 16, 2026 (newer filing, 2026-05-15)
- Added risk factor language: 'including in Iran' regarding Middle East conflict (newer filing, 2026-05-15)
- Risk factor changed from 'pending Signature Bank merger' to 'completed SGBG merger' with revised language emphasizing completed status rather than pending (newer filing, 2026-05-15)
- Removed:
- Removed detailed pending merger risk language including: '(i) the diversion of management's time on issues related to the merger; (ii) unexpected transaction costs...; (iii) the risks that the businesses will not be integrated successfully...; (iv) the potential failure to fully or timely realize expected revenues...; (v) the risk of deposit and customer attrition...; (vi) unexpected operating and other costs...; (vii) the risks of customer and employee loss...; (viii) the possibility that the planned merger may not be completed...; and (ix) failure to obtain required shareholder or regulatory approvals' (older filing, 2025-11-07)
- Text cut off in older filing at 'disruptions in our customers' supply c' indicating incomplete source material
- Reworded:
- Merger risk language reframed from pending transaction risks ('risks related to the pending Signature Bank merger including...') to completed merger integration risks ('risks related to the completed SGBG merger, including the diversion of management's time and attention to integration matters, unexpected integration costs, deposit or customer attrition, employee retention and business disruption, difficulties integrating systems, operations, controls and personnel, and the possibility that expected revenues, cost savings, synergies and other anticipated benefits of the merger may not be realized when expected or at all') (newer filing, 2026-05-15)
- Middle East conflict risk expanded from 'the Middle East conflict' to 'the Middle East conflict, including in Iran' (newer filing, 2026-05-15)
- Notes:
- Older filing text appears truncated or incomplete at the end, preventing full comparison of remaining content
- Page numbers differ between filings (29-30 in newer vs 27 in older), suggesting different formatting or section layouts
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 2 sells ($345150) — 1 selling insider
- Last 90 days0 buys · 2 sells ($345150) — 1 selling insider
- Last 180 days0 buys · 2 sells ($345150) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-28. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FCCO's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding FCCO as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 731,445
- Reported value $21,380,136
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
FCCO had 171,511 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
FCCO had 1.82% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.92 days to cover at the same settlement.
- Reported short interest (shares) 171,511
- Short interest (% of shares outstanding) 1.82%
- Prior settlement (shares) 159,122
- Reported change 7.79%
- Days to cover (reported) 2.92
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- SCBT Financial Corporation
- Live Oak Bancshares
- Renasant Bank
- CenterState Bank Corporation
- United Bankshares
- S&T Bancorp
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare FCCO vs…
FIRST COMMUNITY CORP is found in…
Frequently asked questions
What does FIRST COMMUNITY CORP (FCCO) do?
First Community Corporation is a bank holding company that owns First Community Bank, a South Carolina-based community bank serving small-to-medium-sized businesses, professionals, and individuals across the Midlands, Upstate, Piedmont, and Central Savannah River Area regions of South Carolina and Georgia.
What sector is FIRST COMMUNITY CORP (FCCO) in?
FIRST COMMUNITY CORP (FCCO) is classified in the Financials sector. Its industry is Community banking / Regional bank. It trades on NASDAQ.
Does FCCO pay a dividend?
Yes — FIRST COMMUNITY CORP (FCCO) pays a dividend, with an indicated yield of about 3.15% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are FIRST COMMUNITY CORP's (FCCO) competitors?
Notable peers of FIRST COMMUNITY CORP (FCCO) include SCBT Financial Corporation, Live Oak Bancshares, Renasant Bank, CenterState Bank Corporation and United Bankshares. This peer set is informational only — not financial advice.
Is FIRST COMMUNITY CORP (FCCO) overbought or oversold right now?
FIRST COMMUNITY CORP (FCCO) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FCCO come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.