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9.15 (1y: +13%)
Market Cap 49.41 M P/E(ttm) 11.30
Enterprise Value 101.22 M P/B 0.90
FCCO- NAS (USA)
First Community Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$9.15
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.353
FCCO's Cash to Debt is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FCCO: 0.353 )
FCCO' s 10-Year Cash to Debt Range
Min: 0.08   Max: 52.65
Current: 0.35
0.08
52.65
Equity to Asset 0.082
FCCO's Equity to Asset is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCCO: 0.082 )
FCCO' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.15
Current: 0.08
0.05
0.15
Interest Coverage No Debt
FCCO's Interest Coverage is ranked lower than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FCCO: No Debt )
FCCO' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.18
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 21.90
FCCO's Operating margin (%) is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. FCCO: 21.90 )
FCCO' s 10-Year Operating margin (%) Range
Min: -148.4   Max: 31
Current: 21.9
-148.4
31
Net-margin (%) 15.5
FCCO's Net-margin (%) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FCCO: 15.5 )
FCCO' s 10-Year Net-margin (%) Range
Min: -110.1   Max: 19.8
Current: 15.5
-110.1
19.8
ROE (%) 7.3
FCCO's ROE (%) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FCCO: 7.3 )
FCCO' s 10-Year ROE (%) Range
Min: -60.9   Max: 9.2
Current: 7.3
-60.9
9.2
ROA (%) 0.7
FCCO's ROA (%) is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCCO: 0.7 )
FCCO' s 10-Year ROA (%) Range
Min: -4.2   Max: 0.9
Current: 0.7
-4.2
0.9
Revenue Growth (%) -3.4
FCCO's Revenue Growth (%) is ranked higher than
99% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FCCO: -3.4 )
FCCO' s 10-Year Revenue Growth (%) Range
Min: -20.2   Max: 35.5
Current: -3.4
-20.2
35.5
ยป 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) 11.30
FCCO's P/E(ttm) is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. FCCO: 11.30 )
FCCO' s 10-Year P/E(ttm) Range
Min: 7.35   Max: 26.6
Current: 11.3
7.35
26.6
P/B 0.90
FCCO's P/B is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCCO: 0.90 )
FCCO' s 10-Year P/B Range
Min: 0.26   Max: 2.31
Current: 0.9
0.26
2.31
P/S 1.60
FCCO's P/S is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FCCO: 1.60 )
FCCO' s 10-Year P/S Range
Min: 0.73   Max: 4.49
Current: 1.6
0.73
4.49
PFCF 3.70
FCCO's PFCF is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FCCO: 3.70 )
FCCO' s 10-Year PFCF Range
Min: 1.76   Max: 20.19
Current: 3.7
1.76
20.19
EV-to-EBIT 16.7
FCCO's EV-to-EBIT is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. FCCO: 16.7 )
FCCO' s 10-Year EV-to-EBIT Range
Min: 5.4   Max: 230.1
Current: 16.7
5.4
230.1
Shiller P/E 14.8
FCCO's Shiller P/E is ranked lower than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. FCCO: 14.8 )
FCCO' s 10-Year Shiller P/E Range
Min: 8.68   Max: 19.23
Current: 14.8
8.68
19.23

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.90
FCCO's Dividend Yield is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FCCO: 1.90 )
FCCO' s 10-Year Dividend Yield Range
Min: 0.25   Max: 5.93
Current: 1.9
0.25
5.93
Dividend Payout 0.2
FCCO's Dividend Payout is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. FCCO: 0.2 )
FCCO' s 10-Year Dividend Payout Range
Min: 0.13   Max: 0.28
Current: 0.2
0.13
0.28
Dividend growth (3y) -9.6
FCCO's Dividend growth (3y) is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. FCCO: -9.6 )
FCCO' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 13.6
Current: -9.6
0
13.6
Yield on cost (5-Year) 0.78
FCCO's Yield on cost (5-Year) is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. FCCO: 0.78 )
FCCO' s 10-Year Yield on cost (5-Year) Range
Min: 0.1   Max: 2.42
Current: 0.78
0.1
2.42
Share Buyback Rate -6.4
FCCO's Share Buyback Rate is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. FCCO: -6.4 )
FCCO' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -17.6
Current: -6.4

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1
FCCO's Price/Tangible Book is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCCO: 1 )
FCCO' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.3
Current: 1
0.4
2.3
Price/DCF (Projected) 0.4
FCCO's Price/DCF (Projected) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FCCO: 0.4 )
FCCO' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.7
Current: 0.4
0.2
0.7
Price/Median PS Value 0.6
FCCO's Price/Median PS Value is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCCO: 0.6 )
FCCO' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.4
Current: 0.6
0.3
1.4
Price/Graham Number 0.6
FCCO's Price/Graham Number is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCCO: 0.6 )
FCCO' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 1.4
Current: 0.6
0.3
1.4
Earnings Yield (Greenblatt) 6.00
FCCO's Earnings Yield (Greenblatt) is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FCCO: 6.00 )
FCCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 18.7
Current: 6
0.4
18.7
Forward Rate of Return (Yacktman) 21.23
FCCO's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. FCCO: 21.23 )
FCCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.9   Max: 37.6
Current: 21.23
0.9
37.6

Business Description

First Community Corporation was organized on November 2, 1994, as a South Carolina Corporation. The Company owns and controls all of the capital stock of First Community Bank, N.A., which is engaged in a commercial banking. The bank mainly operates in the state of South Carolina. The bank offers a range of traditional banking products and services for professionals and small-to medium-sized businesses, including consumer and commercial, mortgage, brokerage and investment, and insurance services. It offers a 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. Other 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. The Company offers non-deposit investment products and other investment brokerage services through a registered representative with an affiliation through GAA Securities, Inc. It is also associated with Jeannie, Star, and Plus networks of automated teller machines and Mastermoney debit cards that might 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. It 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. It is engaged in the commercial banking business from its main office in Lexington, South Carolina and its11 full-service offices located in Lexington (two), Forest Acres, Irmo, Cayce-West Columbia, Gilbert, Chapin, Northeast Columbia, Prosperity, Newberry and Camden. 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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 

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