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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 1.06
FCCO's Cash-to-Debt is ranked lower than
61% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. FCCO: 1.06 )
Ranked among companies with meaningful Cash-to-Debt only.
FCCO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.35 Max: 175.22
Current: 1.06
0.08
175.22
Equity-to-Asset 0.09
FCCO's Equity-to-Asset is ranked lower than
56% of the 1372 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: 0.1 Max: 0.19
Current: 0.09
0.07
0.19
Interest Coverage 2.90
FCCO's Interest Coverage is ranked higher than
67% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. FCCO: 2.90 )
Ranked among companies with meaningful Interest Coverage only.
FCCO' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.23 Max: 2.9
Current: 2.9
0.26
2.9
Piotroski F-Score: 5
Beneish M-Score: -2.56
WACC vs ROIC
7.92%
6.75%
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 : 5/10

vs
industry
vs
history
Operating Margin % 25.00
FCCO's Operating Margin % is ranked lower than
64% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. FCCO: 25.00 )
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: 25
-148.36
28.02
Net Margin % 18.88
FCCO's Net Margin % is ranked lower than
63% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. FCCO: 18.88 )
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: 18.88
-110.14
19.53
ROE % 8.13
FCCO's ROE % is ranked lower than
52% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. FCCO: 8.13 )
Ranked among companies with meaningful ROE % only.
FCCO' s ROE % Range Over the Past 10 Years
Min: -47.24  Med: 6.34 Max: 8.31
Current: 8.13
-47.24
8.31
ROA % 0.75
FCCO's ROA % is ranked lower than
58% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FCCO: 0.75 )
Ranked among companies with meaningful ROA % only.
FCCO' s ROA % Range Over the Past 10 Years
Min: -4.02  Med: 0.67 Max: 0.75
Current: 0.75
-4.02
0.75
3-Year Revenue Growth Rate 2.00
FCCO's 3-Year Revenue Growth Rate is ranked lower than
60% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. FCCO: 2.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FCCO' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -26  Med: 2.9 Max: 102.3
Current: 2
-26
102.3
3-Year EBITDA Growth Rate 4.50
FCCO's 3-Year EBITDA Growth Rate is ranked lower than
52% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. FCCO: 4.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FCCO' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.5  Med: 0.4 Max: 32
Current: 4.5
-16.5
32
3-Year EPS without NRI Growth Rate 7.90
FCCO's 3-Year EPS without NRI Growth Rate is ranked higher than
53% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FCCO: 7.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FCCO' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -33.2  Med: 4.9 Max: 30.6
Current: 7.9
-33.2
30.6
GuruFocus has detected 6 Warning Signs with First Community Corp $FCCO.
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» FCCO's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-20)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
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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 Company 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 Company 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
PE Ratio 21.01
FCCO's PE Ratio is ranked lower than
75% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. FCCO: 21.01 )
Ranked among companies with meaningful PE Ratio only.
FCCO' s PE Ratio Range Over the Past 10 Years
Min: 7.28  Med: 14.47 Max: 21.92
Current: 21.01
7.28
21.92
Forward PE Ratio 18.59
FCCO's Forward PE Ratio is ranked lower than
72% of the 388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.18 vs. FCCO: 18.59 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.01
FCCO's PE Ratio without NRI is ranked lower than
75% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. FCCO: 21.01 )
Ranked among companies with meaningful PE Ratio without NRI only.
FCCO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.28  Med: 14.47 Max: 21.92
Current: 21.01
7.28
21.92
Price-to-Owner-Earnings 21.83
FCCO's Price-to-Owner-Earnings is ranked lower than
73% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. FCCO: 21.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FCCO' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.04  Med: 12.22 Max: 30
Current: 21.83
3.04
30
PB Ratio 1.70
FCCO's PB Ratio is ranked lower than
77% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FCCO: 1.70 )
Ranked among companies with meaningful PB Ratio only.
FCCO' s PB Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.85 Max: 1.78
Current: 1.7
0.31
1.78
PS Ratio 3.98
FCCO's PS Ratio is ranked lower than
63% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. FCCO: 3.98 )
Ranked among companies with meaningful PS Ratio only.
FCCO' s PS Ratio Range Over the Past 10 Years
Min: 0.72  Med: 2.09 Max: 6.67
Current: 3.98
0.72
6.67
Price-to-Free-Cash-Flow 19.85
FCCO's Price-to-Free-Cash-Flow is ranked lower than
64% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. FCCO: 19.85 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FCCO' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.76  Med: 6.59 Max: 110.24
Current: 19.85
1.76
110.24
Price-to-Operating-Cash-Flow 17.36
FCCO's Price-to-Operating-Cash-Flow is ranked lower than
64% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. FCCO: 17.36 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FCCO' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.71  Med: 5.44 Max: 18.11
Current: 17.36
1.71
18.11
EV-to-EBIT 19.02
FCCO's EV-to-EBIT is ranked lower than
69% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. FCCO: 19.02 )
Ranked among companies with meaningful EV-to-EBIT only.
FCCO' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.5  Med: 13.7 Max: 230.1
Current: 19.02
-19.5
230.1
EV-to-EBITDA 16.57
FCCO's EV-to-EBITDA is ranked lower than
66% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. FCCO: 16.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCCO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -28  Med: 11.4 Max: 117.7
Current: 16.57
-28
117.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.59
FCCO's Dividend Yield % is ranked lower than
74% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FCCO: 1.59 )
Ranked among companies with meaningful Dividend Yield % only.
FCCO' s Dividend Yield % Range Over the Past 10 Years
Min: 1.08  Med: 2.09 Max: 5.93
Current: 1.59
1.08
5.93
Dividend Payout Ratio 0.33
FCCO's Dividend Payout Ratio is ranked higher than
50% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCCO: 0.33 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FCCO' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.2  Med: 0.3 Max: 0.44
Current: 0.33
0.2
0.44
3-Year Dividend Growth Rate 13.30
FCCO's 3-Year Dividend Growth Rate is ranked higher than
66% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. FCCO: 13.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FCCO' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.4 Max: 20.5
Current: 13.3
0
20.5
Forward Dividend Yield % 1.73
FCCO's Forward Dividend Yield % is ranked lower than
75% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FCCO: 1.73 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.35
FCCO's 5-Year Yield-on-Cost % is ranked higher than
50% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. FCCO: 3.35 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FCCO' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.28  Med: 4.41 Max: 12.51
Current: 3.35
2.28
12.51
3-Year Average Share Buyback Ratio -8.10
FCCO's 3-Year Average Share Buyback Ratio is ranked lower than
75% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. FCCO: -8.10 )
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: -8.1 Max: 0.1
Current: -8.1
-26.8
0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.70
FCCO's Price-to-Tangible-Book is ranked lower than
69% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FCCO: 1.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FCCO' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.63  Med: 1.17 Max: 2.44
Current: 1.7
0.63
2.44
Price-to-Intrinsic-Value-Projected-FCF 0.96
FCCO's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. FCCO: 0.96 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FCCO' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.22  Med: 0.56 Max: 1.07
Current: 0.96
0.22
1.07
Price-to-Median-PS-Value 1.91
FCCO's Price-to-Median-PS-Value is ranked lower than
90% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FCCO: 1.91 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FCCO' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.4  Med: 1.35 Max: 3.39
Current: 1.91
0.4
3.39
Price-to-Graham-Number 1.27
FCCO's Price-to-Graham-Number is ranked lower than
73% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FCCO: 1.27 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FCCO' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 0.89 Max: 1.41
Current: 1.27
0.47
1.41
Earnings Yield (Greenblatt) % 5.30
FCCO's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FCCO: 5.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FCCO' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 6.2 Max: 13.7
Current: 5.3
0.4
13.7
Forward Rate of Return (Yacktman) % 2.79
FCCO's Forward Rate of Return (Yacktman) % is ranked lower than
75% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. FCCO: 2.79 )
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  Med: 17.1 Max: 35.3
Current: 2.79
-2
35.3

More Statistics

Revenue (TTM) (Mil) $35.40
EPS (TTM) $ 0.99
Beta0.82
Short Percentage of Float0.03%
52-Week Range $13.01 - 23.55
Shares Outstanding (Mil)6.70

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.12 1.23
EPS without NRI ($) 1.12 1.23
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.36 0.40
» 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. (South Carolina) :FCCO-US: Earnings Analysis: 2016 By the Numbers : January... Jan 27 2017
First Community upgraded by Hovde Group Jan 19 2017
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 18 2017
First Community posts 4Q profit Jan 18 2017
First Community posts 4Q profit Jan 18 2017
First Community Corporation Announces Record Earnings and Increased Cash Dividend Jan 18 2017
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Other Events Jan 03 2017
First Community Bank Expands its Executive Leadership Team Jan 03 2017
First Community Corp. (South Carolina) : FCCO-US: Dividend Analysis : October 31st, 2016 (record... Dec 19 2016
FIRST COMMUNITY CORP /SC/ Financials Nov 18 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 10-Q, Quarterly Report Nov 10 2016
First Community Corp. (South Carolina) :FCCO-US: Earnings Analysis: Q3, 2016 By the Numbers :... Oct 26 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 25 2016
First Community Corporation Announces Third Quarter Results and Cash Dividend Oct 19 2016
First Community Corporation Announces Third Quarter Results and Cash Dividend Oct 19 2016
First Community Corp. (South Carolina) : FCCO-US: Dividend Analysis : August 01st, 2016 (record... Oct 11 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Sep 07 2016
FIRST COMMUNITY CORP /SC/ Files SEC form 10-Q, Quarterly Report Aug 11 2016
First Community Bank’s Jan Hadder appointed to Greater Columbia Community Relations Council Board... Aug 04 2016
First Community Corp. (South Carolina) :FCCO-US: Earnings Analysis: Q2, 2016 By the Numbers : July... Jul 21 2016

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