# First Community Corporation (FCCO) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $34.56, market value $325 million.

## Valuation
- **P/E (trailing): 12.8×** (5-yr avg 11.4×, 3-yr avg 12.6×). First Community Corporation trades at 12.8× trailing earnings, close to its own five-year average of 11.4×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.29**. A PEG of 0.29 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 355.8×**. Each dollar of revenue is priced at 355.8×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 2.1%** (5-yr avg 15.2%). Free cash flow equals 2.1% of the market value, below its five-year average of 15.2%, so the shares are pricier on cash than usual.
- **Earnings yield: 7.8%**. The inverse of the P/E: 7.8% of the price is earned each year.

## Profitability
- **Return on equity: 11.5%**. 11.5% on shareholders' equity is solid.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -3.2%** (3-yr -1.3%/yr, 5-yr -3.8%/yr). Revenue fell 3.2% over the last year, against -3.8% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 36.5%** (3-yr 8.8%/yr, 5-yr 12.8%/yr). Earnings per share rose 36.5%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -5.6%/yr**. Free cash flow has compounded at -5.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 1.97%** ($0.65 per share, trailing). First Community Corporation yields 1.97%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 25%** (79% of free cash flow). 25% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.3%/yr** (1-yr 6.9%). The dividend has grown 5.3% a year over five years.

## Price and momentum
- **Total return (1 yr): 26.7%** (YTD 17.8%, 3-mo 10.2%). The shares are up 26.7% over twelve months including dividends.
- **From 52-week high: -3.3%** (33.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.40** (volatility 21%). Beta of 0.40 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FCCO · Page: https://foliofundamentals.com/stocks/fcco

Not investment advice.