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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.64
FCCO's Cash to Debt is ranked lower than
68% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. FCCO: 0.64 )
Ranked among companies with meaningful Cash to Debt only.
FCCO' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.50 Max: N/A
Current: 0.64
Equity to Asset 0.09
FCCO's Equity to Asset is ranked lower than
61% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCCO: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FCCO' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.15
Current: 0.09
0.07
0.15
Interest Coverage 2.51
FCCO's Interest Coverage is ranked higher than
62% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. FCCO: 2.51 )
Ranked among companies with meaningful Interest Coverage only.
FCCO' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 0.85 Max: 2.47
Current: 2.51
0.26
2.47
F-Score: 5
M-Score: -2.47
WACC vs ROIC
6.61%
6.73%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 24.62
FCCO's Operating margin (%) is ranked lower than
67% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. FCCO: 24.62 )
Ranked among companies with meaningful Operating margin (%) only.
FCCO' s Operating margin (%) Range Over the Past 10 Years
Min: -148.36  Med: 21.03 Max: 28.02
Current: 24.62
-148.36
28.02
Net-margin (%) 18.09
FCCO's Net-margin (%) is ranked lower than
65% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. FCCO: 18.09 )
Ranked among companies with meaningful Net-margin (%) only.
FCCO' s Net-margin (%) Range Over the Past 10 Years
Min: -110.14  Med: 15.66 Max: 19.53
Current: 18.09
-110.14
19.53
ROE (%) 7.89
FCCO's ROE (%) is ranked lower than
54% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. FCCO: 7.89 )
Ranked among companies with meaningful ROE (%) only.
FCCO' s ROE (%) Range Over the Past 10 Years
Min: -47.24  Med: 6.19 Max: 8.05
Current: 7.89
-47.24
8.05
ROA (%) 0.73
FCCO's ROA (%) is ranked lower than
60% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FCCO: 0.73 )
Ranked among companies with meaningful ROA (%) only.
FCCO' s ROA (%) Range Over the Past 10 Years
Min: -4.02  Med: 0.67 Max: 0.73
Current: 0.73
-4.02
0.73
Revenue Growth (3Y)(%) -5.90
FCCO's Revenue Growth (3Y)(%) is ranked lower than
82% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. FCCO: -5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCCO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -26  Med: 3.00 Max: 109
Current: -5.9
-26
109
EBITDA Growth (3Y)(%) -2.10
FCCO's EBITDA Growth (3Y)(%) is ranked lower than
72% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. FCCO: -2.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCCO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.6  Med: -0.05 Max: 32
Current: -2.1
-16.6
32
EPS Growth (3Y)(%) 4.90
FCCO's EPS Growth (3Y)(%) is ranked lower than
58% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FCCO: 4.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCCO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.9  Med: 4.90 Max: 30.6
Current: 4.9
-32.9
30.6
» FCCO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FCCY, NAS:ACFC, NAS:UNTY, OTCPK:FNCB, NAS:OPOF » details
First Community Corp offers traditional banking products and services for professionals and small-to medium-sized businesses, including consumer and commercial, mortgage, brokerage and investment and insurance services.

First Community Corp was incorporated on November 2, 1994, as a South Carolina Corporation. The Company owns and controls all of the capital stock of First Community Bank, which is engaged in a commercial banking business. The Bank operates in the state of South Carolina. The Bank is engaged in a general commercial and retail banking business, emphasizing the needs of small-to-medium sized businesses, professional concerns and individuals, in Richland, Lexington, Kershaw and Newberry Counties of South Carolina and the surrounding areas. It offers a full range of deposit services that are typically available in banks and thrift institutions, including checking accounts, NOW accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. Its bank services include internet banking, cash management services, safe deposit boxes, travelers checks, direct deposit of payroll and social security checks, and automatic drafts for various accounts. It offers non-deposit investment products and other investment brokerage services through a registered representative with an affiliation through LPL Financial. It is associated with Jeannie, Star, and Plus networks of automated teller machines and MasterCard debit cards that may be used by its customers throughout South Carolina and other regions. It also offers VISA and MasterCard credit card services through a correspondent bank as its agent. The Bank competes as a financial intermediary with other commercial banks, savings and loan associations, credit unions and money market mutual funds operating in Richland, Lexington, Kershaw and Newberry Counties and elsewhere. The Company is subject to extensive state and federal banking laws and regulations that impose specific requirements or restrictions on and provide for general regulatory oversight of virtually all aspects of its operations.

Ratios

vs
industry
vs
history
P/E(ttm) 15.59
FCCO's P/E(ttm) is ranked lower than
64% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. FCCO: 15.59 )
Ranked among companies with meaningful P/E(ttm) only.
FCCO' s P/E(ttm) Range Over the Past 10 Years
Min: 7.35  Med: 14.42 Max: 19.86
Current: 15.59
7.35
19.86
Forward P/E 13.42
FCCO's Forward P/E is ranked lower than
69% of the 376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.05 vs. FCCO: 13.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.59
FCCO's PE(NRI) is ranked lower than
64% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. FCCO: 15.59 )
Ranked among companies with meaningful PE(NRI) only.
FCCO' s PE(NRI) Range Over the Past 10 Years
Min: 7.38  Med: 14.36 Max: 19.86
Current: 15.59
7.38
19.86
Price/Owner Earnings (ttm) 14.17
FCCO's Price/Owner Earnings (ttm) is ranked lower than
59% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. FCCO: 14.17 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FCCO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.04  Med: 12.02 Max: 30
Current: 14.17
3.04
30
P/B 1.19
FCCO's P/B is ranked lower than
62% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FCCO: 1.19 )
Ranked among companies with meaningful P/B only.
FCCO' s P/B Range Over the Past 10 Years
Min: 0.31  Med: 0.85 Max: 1.26
Current: 1.19
0.31
1.26
P/S 2.85
FCCO's P/S is ranked higher than
52% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FCCO: 2.85 )
Ranked among companies with meaningful P/S only.
FCCO' s P/S Range Over the Past 10 Years
Min: 0.72  Med: 2.09 Max: 7.39
Current: 2.85
0.72
7.39
PFCF 6.91
FCCO's PFCF is ranked higher than
65% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.24 vs. FCCO: 6.91 )
Ranked among companies with meaningful PFCF only.
FCCO' s PFCF Range Over the Past 10 Years
Min: 1.76  Med: 6.60 Max: 231.65
Current: 6.91
1.76
231.65
POCF 6.02
FCCO's POCF is ranked higher than
64% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. FCCO: 6.02 )
Ranked among companies with meaningful POCF only.
FCCO' s POCF Range Over the Past 10 Years
Min: 1.71  Med: 5.44 Max: 31.29
Current: 6.02
1.71
31.29
EV-to-EBIT 13.20
FCCO's EV-to-EBIT is ranked higher than
50% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FCCO: 13.20 )
Ranked among companies with meaningful EV-to-EBIT only.
FCCO' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.5  Med: 14.25 Max: 230.1
Current: 13.2
-19.5
230.1
EV-to-EBITDA 11.04
FCCO's EV-to-EBITDA is ranked higher than
54% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. FCCO: 11.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCCO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -28  Med: 11.90 Max: 117.7
Current: 11.04
-28
117.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.07
FCCO's Dividend Yield is ranked lower than
68% of the 2222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FCCO: 2.07 )
Ranked among companies with meaningful Dividend Yield only.
FCCO' s Dividend Yield Range Over the Past 10 Years
Min: 0.99  Med: 2.09 Max: 5.93
Current: 2.07
0.99
5.93
Dividend Payout 0.32
FCCO's Dividend Payout is ranked higher than
53% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCCO: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
FCCO' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.22 Max: 1
Current: 0.32
0.15
1
Dividend Growth (3y) 20.50
FCCO's Dividend Growth (3y) is ranked higher than
73% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. FCCO: 20.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FCCO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -12.60 Max: 20.5
Current: 20.5
0
20.5
Forward Dividend Yield 2.21
FCCO's Forward Dividend Yield is ranked lower than
70% of the 2081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. FCCO: 2.21 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.85
FCCO's Yield on cost (5-Year) is ranked higher than
56% of the 2484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. FCCO: 3.85 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCCO' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.84  Med: 3.88 Max: 11.02
Current: 3.85
1.84
11.02
3-Year Average Share Buyback Ratio -8.60
FCCO's 3-Year Average Share Buyback Ratio is ranked lower than
73% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FCCO: -8.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCCO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.8  Med: -8.60 Max: 0.1
Current: -8.6
-26.8
0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
FCCO's Price/Tangible Book is ranked lower than
60% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FCCO: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
FCCO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.53  Med: 1.17 Max: 2.65
Current: 1.29
0.53
2.65
Price/Projected FCF 0.64
FCCO's Price/Projected FCF is ranked higher than
53% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. FCCO: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
FCCO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.56 Max: 1.97
Current: 0.64
0.21
1.97
Price/Median PS Value 1.37
FCCO's Price/Median PS Value is ranked lower than
85% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FCCO: 1.37 )
Ranked among companies with meaningful Price/Median PS Value only.
FCCO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.36  Med: 1.36 Max: 61.13
Current: 1.37
0.36
61.13
Price/Graham Number 0.95
FCCO's Price/Graham Number is ranked lower than
60% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FCCO: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
FCCO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.47  Med: 0.93 Max: 1.49
Current: 0.95
0.47
1.49
Earnings Yield (Greenblatt) (%) 7.60
FCCO's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. FCCO: 7.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCCO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 5.70 Max: 13.7
Current: 7.6
0.4
13.7
Forward Rate of Return (Yacktman) (%) 8.51
FCCO's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. FCCO: 8.51 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCCO' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.6  Med: 17.10 Max: 35.3
Current: 8.51
-2.6
35.3

More Statistics

Revenue (TTM) (Mil) $34.22
EPS (TTM) $ 0.93
Beta0.68
Short Percentage of Float0.14%
52-Week Range $11.53 - 15.59
Shares Outstanding (Mil)6.69

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.95 1.08
EPS without NRI ($) 0.95 1.08
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for FCCO

Headlines

Articles On GuruFocus.com
First Community Corp. Reports Operating Results (10-Q) Nov 15 2010 
First Community Corp. Reports Operating Results (10-Q) Aug 16 2010 
First Community Corp. Reports Operating Results (10-Q) May 17 2010 
First Community Corp. Reports Operating Results (10-Q) Nov 16 2009 
First Community Corp. Reports Operating Results (10-Q) Aug 14 2009 
First Community Corp. Reports Operating Results (10-Q) May 15 2009 

More From Other Websites
FIRST COMMUNITY CORP /SC/ Financials May 20 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 19 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 10-Q, Quarterly Report May 12 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 22 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 20 2016
First Community Corporation Announces First Quarter Results and Cash Dividend Apr 20 2016
First Community Corporation Announces First Quarter Results and Cash Dividend Apr 20 2016
First Community Corp. (South Carolina) :FCCO-US: Earnings Analysis: Q4, 2015 By the Numbers Mar 28 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Regulation FD Disclosure Mar 16 2016
Seasoned Upstate Bankers Establish Greenville Presence for First Community Bank Mar 16 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 10-K, Annual Report Mar 16 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Termination of a Material Definitive Agreement Feb 01 2016
First Community Corp. (South Carolina) Earnings Analysis: Q4, 2015 By the Numbers Jan 25 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 21 2016
First Community Corporation Announces Annual and Fourth Quarter Results and Increased Cash Dividend Jan 20 2016
First Community Corporation Announces Annual and Fourth Quarter Results and Increased Cash Dividend Jan 20 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 10-Q, Quarterly Report Nov 12 2015
First Community Corp. (South Carolina) Earnings Q3, 2015 Nov 11 2015
First Community Corporation Announces Third Quarter Results and Cash Dividend Oct 25 2015
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 21 2015

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