Reading FCCO? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track FCCO free→Reading FCCO? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track FCCO free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
Recent financial performance is neutral, and earnings quality is fragile, reported profits aren't backed by cash. Management's recent track record has been fairly steady, and the company has a capital-friendly stance. Risk is moderate, and the sector backdrop is a headwind, which may impact performance compared with sector peers, where it is typical. Peer multiples imply a price roughly in line with where it trades (about fair); the read is fair, but weakening. This assessment is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 6 valuation methods, at three horizons. Current price $31.35. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $31 FCCO trades at 11× p/e, below its 12× p/e peer median. Our $31 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 0% near-term growth, below our forecast of about 20%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 0.47x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 49% of the time over the next year (vs 60% for the rest of the cohort, n=3541).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.73 → $0.69 (-5.0% / 30d). 0 raised, 3 cut, 3 covering analysts.
0 upgrades, 0 downgrades / 30d. 100% of analysts rate Buy.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$87.
How much price usually moves either way.
On a bad day, this stock has moved -$238.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,059.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The earnings report shows how First Community is doing now. It can change how investors feel.
Confirms one read:Earnings report shows earnings per share growth above 5% year over year.
Confirms the other:Earnings report shows earnings per share decline year over year.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for FCCO yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Other Events. On May 7, 2026, First Community Corporation (the “Company”), the holding company for First Community Bank, announced that its Board of Directors approved a plan to utilize up to $7.5 million of capital to repurchase shares of the Company’s common stock, which represents approximately 3.4% of total shareholders’ equity as of March 31, 2026. Under the repurchase plan, the Company may repurchase shares from time to time, through May 5, 2027, by means of, among other means, open mar…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Roughly priced in line with peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
FCCO First Community Corp/SC | Typical Show detailsSector percentile: 52 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
6 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
Not investment advice. As of 2026-06-15.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
The company plans to utilize up to $7.5 million to repurchase shares of its common stock.
Newly stated in 2026-Q2. The company announced a share repurchase plan of up to $7.5 million, representing approximately 3.4% of total shareholders' equity as of March 31, 2026. This is a new capital allocation initiative with no prior financial impact to assess yet.
“The Board approved a plan to utilize up to $7.5 million of capital to repurchase shares.”
The company completed the merger with Signature Bank as part of its strategic growth initiatives.
Newly stated in 2026-Q1. The merger with Signature Bank was completed, aligning with the company's strategic growth initiatives. The financial impact of this merger is yet to be reflected in the reported financials.
“First Community consummated the previously announced merger with Signature Bank.”
The company provided EPS guidance for 2026 at $0.59 per share.
Newly stated in 2026-Q2. The company provided EPS guidance for 2026 at $0.59 per share. This guidance sets a benchmark for future performance evaluation, but current financials do not yet reflect this target.
“Diluted EPS of $0.59 per common share for 2026 was guided.”
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would impact First Community's performance.
Confirms:Revenue growth falls below the median of 15% year over year.
Disproves:Revenue growth remains at or above the median of 15% year over year.
Results of Operations and Financial Condition. On April 22, 2026, First Community Corporation (the “Company”), holding company for First Community Bank, issued a press release announcing its financial results for the period ended March 31, 2026. The Company announced that the Board of Directors has approved a cash dividend for the first quarter of 2026. The Company will pay a $0.16 per share dividend to holders of the Company’s common stock. This dividend is payable May 19, 2026 to shareholde…
Results of Operations and Financial Condition. On January 28, 2026, First Community Corporation (the “Company”), holding company for First Community Bank, issued a press release announcing its financial results for the year ended December 31, 2025. The Company announced that the Board of Directors has approved a cash dividend for the fourth quarter of 2025. The Company will pay a $0.16 per share dividend to holders of the Company’s common stock. This dividend is payable on February 24, 2026 t…
Completion of Acquisition or Disposition of Assets. On January 8, 2026, First Community Corporation, a South Carolina corporation (“First Community” or the “Company”), consummated the previously announced merger (the “Merger”) pursuant to the Agreement and Plan of Merger, dated as of July 13, 2025 (the “Merger Agreement”), by and among the Company, First Community Bank, a South Carolina state-chartered bank and wholly owned subsidiary of the Company (“First Community Bank”), and Signature Ban…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Effective as of the Effective Time, the Board of Directors of the Company increased the size of the Board from 12 to 14 directors and appointed Freddie Deutsch and Jonathan Been to serve as directors of the Company. Mr. Deutsch was appointed to serve as a Class II director, and Mr. Been was appointed to serve as a Class III director, in each case e…