FCCO (First Community) Moat Score: 4/10 (As of Aug. 14, 2026)

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FCCO First Community Corp FCCO
67 GF Score
Price $34.49
GF Value $29.28
Valuation Modestly Overvalued
! 7 Warning Signs
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What is First Community Moat Score?

First Community FCCO +1.23% 67 Moat Score is 4 as of Aug. 14, 2026. GuruFocus rates FCCO with a GF Score™ of 67/100 and a GF Value™ of $29.28 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,608 Banks companies, First Community ranks better than 86.26% on this metric.

First Community has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

First Community has Narrow Moat: FCCO has a discernible but modest moat due to its local market leadership and customer relationships. It benefits from some economies of scale and a stable customer base, but lacks the broader competitive advantages needed for a stronger moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Community might have Narrow Moat - Discernible but modest moat.

First Community  (NAS:FCCO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Community Moat Score Related Terms

FCCO vs JMSB, BRBS, FSBW: Moat Score Comparison

For the Banks - Regional subindustry, First Community's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

First Community Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Community's Moat Score distribution charts can be found below:

* The bar in red indicates where First Community's Moat Score falls into.


FCCO
67GF Score
First Community Corp FCCO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
First Community (FCCO) has a Moat Score of 4 as of Aug. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Community ranks #221 out of 1608 companies in the Banks industry, placing it in the top 13.7%.
Is First Community's Moat Score too high?
First Community's current Moat Score is 4. Based on the distribution chart, First Community ranks #221 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Community has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Community's Moat Score compare to JMSB and BRBS?
According to the Banks industry distribution chart, First Community ranks #221 out of 1608 companies for Moat Score. This places First Community in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Community's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Community stock overvalued right now?
Based on GuruFocus' analysis, First Community (FCCO) is currently considered Modestly Overvalued. The stock's GF Value™ is $29.28, compared to a current price of $34.49 — trading 17.8% above its estimated fair value. The current Moat Score is 4. First Community's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Community (FCCO), the current Moat Score is 4 as of Aug. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Community (FCCO) Overvalued in 2026?

Based on GuruFocus' analysis, First Community stock appears to be overvalued. The current stock price of $34.49 is trading 17.8% above its estimated GF Value™ of $29.28. GuruFocus considers First Community to be Modestly Overvalued.

Key valuation signals for FCCO:

  • Moat Score: 4
  • GF Value™: $29.28 vs. price of $34.49 (17.8% above fair value)
  • GF Score™: 67/100 with 7 warning signs

No single metric tells the full story. See the FCCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Community Business Description

Address 5455 Sunset Boulevard, Lexington, SC, USA, 29072
First Community Corp is a bank holding company. Along with its subsidiaries, it provides various banking products and services for professionals and small and medium-sized businesses, including consumer and commercial banking, mortgage, brokerage and investment, online banking, and insurance services. The company offers checking, savings, money market, individual retirement, and certificates of deposit accounts, and its lending lines include consumer loans, real estate loans, home improvement loans, home loans, flex loans, construction loans, agricultural loans, and others. The company's reportable segments are: Commercial and Retail Banking, which derives maximum revenue; Mortgage Banking; Investment Advisory and Non-Deposit; and Corporate.
67GF Score

Get the complete analysis for FCCO

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.49
Price
$29.28
GF Value