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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 1.16
FCCO's Cash to Debt is ranked higher than
75% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. FCCO: 1.16 )
FCCO' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.16

Equity to Asset 0.09
FCCO's Equity to Asset is ranked higher than
69% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCCO: 0.09 )
FCCO' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.15
Current: 0.09

0.07
0.15
Interest Coverage 1.42
FCCO's Interest Coverage is ranked higher than
71% of the 1857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. FCCO: 1.42 )
FCCO' s 10-Year Interest Coverage Range
Min: 0.26   Max: 1.42
Current: 1.42

0.26
1.42
F-Score: 5
Z-Score: 0.12
WACC vs ROIC
6.08%
5.71%
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 (%) 22.24
FCCO's Operating margin (%) is ranked higher than
65% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. FCCO: 22.24 )
FCCO' s 10-Year Operating margin (%) Range
Min: -297.59   Max: 30.95
Current: 22.24

-297.59
30.95
Net-margin (%) 16.03
FCCO's Net-margin (%) is ranked higher than
65% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.86 vs. FCCO: 16.03 )
FCCO' s 10-Year Net-margin (%) Range
Min: -210.57   Max: 55.04
Current: 16.03

-210.57
55.04
ROE (%) 7.54
FCCO's ROE (%) is ranked higher than
72% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.65 vs. FCCO: 7.54 )
FCCO' s 10-Year ROE (%) Range
Min: -46.04   Max: 9.47
Current: 7.54

-46.04
9.47
ROA (%) 0.66
FCCO's ROA (%) is ranked higher than
69% of the 2059 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FCCO: 0.66 )
FCCO' s 10-Year ROA (%) Range
Min: -4.02   Max: 1.36
Current: 0.66

-4.02
1.36
ROC (Joel Greenblatt) (%) 34.54
FCCO's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.88 vs. FCCO: 34.54 )
FCCO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -128.98   Max: 37.34
Current: 34.54

-128.98
37.34
Revenue Growth (3Y)(%) -10.00
FCCO's Revenue Growth (3Y)(%) is ranked higher than
57% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FCCO: -10.00 )
FCCO' s 10-Year Revenue Growth (3Y)(%) Range
Min: -26   Max: 83.3
Current: -10

-26
83.3
EBITDA Growth (3Y)(%) -0.60
FCCO's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FCCO: -0.60 )
FCCO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 31.9
Current: -0.6

0
31.9
EPS Growth (3Y)(%) 29.40
FCCO's EPS Growth (3Y)(%) is ranked higher than
91% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. FCCO: 29.40 )
FCCO' s 10-Year EPS Growth (3Y)(%) Range
Min: -33.2   Max: 31.2
Current: 29.4

-33.2
31.2
» FCCO's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 16.60
FCCO's P/E(ttm) is ranked higher than
76% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FCCO: 16.60 )
FCCO' s 10-Year P/E(ttm) Range
Min: 7.35   Max: 23.1
Current: 16.6

7.35
23.1
Forward P/E 12.53
FCCO's Forward P/E is ranked higher than
84% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. FCCO: 12.53 )
N/A
PE(NRI) 16.60
FCCO's PE(NRI) is ranked higher than
76% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. FCCO: 16.60 )
FCCO' s 10-Year PE(NRI) Range
Min: 7.38   Max: 23.1
Current: 16.6

7.38
23.1
P/B 1.10
FCCO's P/B is ranked higher than
80% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FCCO: 1.10 )
FCCO' s 10-Year P/B Range
Min: 0.31   Max: 2.97
Current: 1.1

0.31
2.97
P/S 2.40
FCCO's P/S is ranked higher than
85% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. FCCO: 2.40 )
FCCO' s 10-Year P/S Range
Min: 0.72   Max: 7.4
Current: 2.4

0.72
7.4
PFCF 73.60
FCCO's PFCF is ranked higher than
74% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FCCO: 73.60 )
FCCO' s 10-Year PFCF Range
Min: 1.76   Max: 2300
Current: 73.6

1.76
2300
POCF 11.22
FCCO's POCF is ranked higher than
82% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.77 vs. FCCO: 11.22 )
FCCO' s 10-Year POCF Range
Min: 1.72   Max: 19.03
Current: 11.22

1.72
19.03
EV-to-EBIT 11.24
FCCO's EV-to-EBIT is ranked higher than
83% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.30 vs. FCCO: 11.24 )
FCCO' s 10-Year EV-to-EBIT Range
Min: -19.5   Max: 230.1
Current: 11.24

-19.5
230.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
FCCO's Dividend Yield is ranked lower than
55% of the 1912 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FCCO: 2.10 )
FCCO' s 10-Year Dividend Yield Range
Min: 0.82   Max: 5.93
Current: 2.1

0.82
5.93
Dividend Payout 0.34
FCCO's Dividend Payout is ranked higher than
75% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FCCO: 0.34 )
FCCO' s 10-Year Dividend Payout Range
Min: 0.15   Max: 1
Current: 0.34

0.15
1
Dividend growth (3y) 11.20
FCCO's Dividend growth (3y) is ranked higher than
85% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FCCO: 11.20 )
FCCO' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 18.6
Current: 11.2

0
18.6
Yield on cost (5-Year) 1.93
FCCO's Yield on cost (5-Year) is ranked lower than
61% of the 1924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FCCO: 1.93 )
FCCO' s 10-Year Yield on cost (5-Year) Range
Min: 0.75   Max: 5.44
Current: 1.93

0.75
5.44
Share Buyback Rate -17.80
FCCO's Share Buyback Rate is ranked higher than
56% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FCCO: -17.80 )
FCCO' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -40.6
Current: -17.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FCCO's Price/Tangible Book is ranked higher than
81% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FCCO: 1.10 )
FCCO' s 10-Year Price/Tangible Book Range
Min: 0.53   Max: 2.79
Current: 1.1

0.53
2.79
Price/DCF (Projected) 0.60
FCCO's Price/DCF (Projected) is ranked higher than
89% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FCCO: 0.60 )
FCCO' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 2.12
Current: 0.6

0.21
2.12
Price/Median PS Value 1.20
FCCO's Price/Median PS Value is ranked higher than
78% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. FCCO: 1.20 )
FCCO' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 63.77
Current: 1.2

0.36
63.77
Price/Graham Number 1.00
FCCO's Price/Graham Number is ranked higher than
81% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FCCO: 1.00 )
FCCO' s 10-Year Price/Graham Number Range
Min: 0.36   Max: 1.98
Current: 1

0.36
1.98
Earnings Yield (Greenblatt) 8.90
FCCO's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FCCO: 8.90 )
FCCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 13.7
Current: 8.9

0.4
13.7
Forward Rate of Return (Yacktman) 0.01
FCCO's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. FCCO: 0.01 )
FCCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.2   Max: 35.3
Current: 0.01

-1.2
35.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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, primarily 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 most 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. As of June 30, 2013, there were 25 financial institutions operating approximately 198 offices in Lexington, Richland, Kershaw and Newberry Counties. 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.
» 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 
SPAC Sponsored by Greenhill Announces Further Progress Toward Acquisition of Iridium With FCC Approv Aug 17 2009 
First Community Corp. Reports Operating Results (10-Q) Aug 14 2009 
First Community Corp. Reports Operating Results (10-Q) May 15 2009 

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