First Community Corp/SC (FCCO)

NASDAQFinancialsBanks - RegionalSnapshot 2026-10-23

$33.10+0.33%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge First Community Corp/SC’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

Comparable estimates unavailable

+10% or more+5%0%−5%−10% or less

A matching fiscal period and sufficient coverage are required.

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

The calculation requires same-period, same-provider snapshots, positive EPS, at least five analysts and a baseline within three days of the requested lookback.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	26.06M
EPS	—	0.807
Quarter ending 2027-03-31
Revenue	—	25.52M
EPS	—	0.775
Annual ending 2026-12-31
Revenue	—	100.27M
EPS	—	3.137
Annual ending 2027-12-31
Revenue	—	106.49M
EPS	—	3.31

Management figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
EPS at or above $2.93 in FY26	A primary condition in First Community Corp/SC's published investment case. The stated target is >=2.93 USD per share.	Intact	EPS falls below $2.50 in FY26	Diluted EPS: $0.80 per share FY2026-Q2; GAAP. Published target: >=2.93 USD per share. Target period is not explicitly aligned with this observation. Source published Aug 12, 20260.8 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: 8290a34a-f23b-490c-aff8-90891fa09f2e. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Successful integration of Signature Bank merger	The bank completed a key merger with Signature Bank, boosting growth.	Improving	Merger integration delays or negative impact reported	Qualitative condition This condition has no defined numerical measure. Context reviewed through Oct 23, 2026Last status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Utilize $7.5 million for share repurchase	It plans a $7.5 million share buyback, showing strong capital use.	Intact	Buyback plan canceled or materially delayed	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS: comparable history unavailable.

FY2027 revenue: comparable history unavailable.

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	Unavailable	Unavailable	2 / 2
2026-07-25	Unavailable	Unavailable	3 / 2
2026-07-26	Unavailable	Unavailable	2 / 2
2026-07-27	Unavailable	Unavailable	3 / 2
2026-07-28	Unavailable	Unavailable	2 / 2
2026-07-29	Unavailable	Unavailable	3 / 2
2026-07-30	Unavailable	Unavailable	3 / 2
2026-07-31	Unavailable	Unavailable	2 / 2
2026-08-01	Unavailable	Unavailable	2 / 2
2026-08-02	Unavailable	Unavailable	3 / 2
2026-08-03	Unavailable	Unavailable	2 / 2
2026-08-04	Unavailable	Unavailable	3 / 2
2026-08-05	Unavailable	Unavailable	2 / 2
2026-08-06	Unavailable	Unavailable	3 / 2
2026-08-07	Unavailable	Unavailable	2 / 2
2026-08-08	Unavailable	Unavailable	3 / 2
2026-08-09	Unavailable	Unavailable	3 / 2
2026-08-10	Unavailable	Unavailable	3 / 2
2026-08-11	Unavailable	Unavailable	2 / 2
2026-08-12	Unavailable	Unavailable	2 / 1
2026-08-13	Unavailable	Unavailable	2 / 1
2026-08-14	Unavailable	Unavailable	2 / 2
2026-08-15	Unavailable	Unavailable	2 / 1
2026-08-16	Unavailable	Unavailable	2 / 1
2026-08-17	Unavailable	Unavailable	2 / 1
2026-08-18	Unavailable	Unavailable	2 / 2
2026-08-19	Unavailable	Unavailable	2 / 2
2026-08-20	Unavailable	Unavailable	2 / 2
2026-08-21	Unavailable	Unavailable	2 / 2
2026-08-22	Unavailable	Unavailable	2 / 2
2026-08-23	Unavailable	Unavailable	2 / 2
2026-08-24	Unavailable	Unavailable	2 / 2
2026-08-25	Unavailable	Unavailable	2 / 2
2026-08-26	Unavailable	Unavailable	2 / 2
2026-08-27	Unavailable	Unavailable	2 / 2
2026-08-28	Unavailable	Unavailable	2 / 2
2026-08-29	Unavailable	Unavailable	2 / 2
2026-08-30	Unavailable	Unavailable	2 / 2
2026-08-31	Unavailable	Unavailable	2 / 2
2026-09-01	Unavailable	Unavailable	2 / 2
2026-09-02	Unavailable	Unavailable	2 / 2
2026-09-03	Unavailable	Unavailable	2 / 2
2026-09-04	Unavailable	Unavailable	2 / 2
2026-09-05	Unavailable	Unavailable	2 / 2
2026-09-06	Unavailable	Unavailable	2 / 2
2026-09-07	Unavailable	Unavailable	2 / 2
2026-09-08	Unavailable	Unavailable	2 / 2
2026-09-09	Unavailable	Unavailable	2 / 2
2026-09-10	Unavailable	Unavailable	2 / 2
2026-09-11	Unavailable	Unavailable	2 / 2
2026-09-12	Unavailable	Unavailable	2 / 2
2026-09-13	Unavailable	Unavailable	2 / 2
2026-09-14	Unavailable	Unavailable	2 / 2
2026-09-15	Unavailable	Unavailable	2 / 2
2026-09-16	Unavailable	Unavailable	2 / 2
2026-09-17	Unavailable	Unavailable	3 / 2
2026-09-18	Unavailable	Unavailable	3 / 2
2026-09-19	Unavailable	Unavailable	3 / 2
2026-09-20	Unavailable	Unavailable	3 / 2
2026-09-21	Unavailable	Unavailable	3 / 2
2026-09-22	Unavailable	Unavailable	3 / 2
2026-09-23	Unavailable	Unavailable	3 / 2
2026-09-24	Unavailable	Unavailable	3 / 2
2026-09-25	Unavailable	Unavailable	3 / 2
2026-09-26	Unavailable	Unavailable	3 / 2
2026-09-27	Unavailable	Unavailable	3 / 2
2026-09-28	Unavailable	Unavailable	3 / 2
2026-09-29	Unavailable	Unavailable	3 / 2
2026-09-30	Unavailable	Unavailable	3 / 2
2026-10-01	Unavailable	Unavailable	3 / 2
2026-10-02	Unavailable	Unavailable	3 / 2
2026-10-03	Unavailable	Unavailable	3 / 2
2026-10-04	Unavailable	Unavailable	3 / 2
2026-10-05	Unavailable	Unavailable	3 / 2
2026-10-06	Unavailable	Unavailable	3 / 2
2026-10-07	Unavailable	Unavailable	3 / 2
2026-10-08	Unavailable	Unavailable	3 / 2
2026-10-09	Unavailable	Unavailable	3 / 2
2026-10-10	Unavailable	Unavailable	3 / 2
2026-10-11	Unavailable	Unavailable	3 / 2
2026-10-12	Unavailable	Unavailable	3 / 2
2026-10-13	Unavailable	Unavailable	3 / 2
2026-10-14	Unavailable	Unavailable	3 / 2
2026-10-15	Unavailable	Unavailable	3 / 2
2026-10-16	Unavailable	Unavailable	3 / 2
2026-10-17	Unavailable	Unavailable	3 / 2
2026-10-18	Unavailable	Unavailable	3 / 2
2026-10-19	Unavailable	Unavailable	3 / 2
2026-10-20	Unavailable	Unavailable	3 / 2
2026-10-21	Unavailable	Unavailable	3 / 2
2026-10-22	Unavailable	Unavailable	3 / 2
2026-10-23	Unavailable	Unavailable	3 / 2
2026-10-24	Unavailable	Unavailable	3 / 2

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold	Sell*
2026-05-01	3	0	0
2026-06-01	3	0	0
2026-07-01	3	0	0
2026-08-01	3	0	0
2026-09-01	3	0	0
2026-10-01	3	0	0

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 3 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades0 maintains

Recent actions · Sep 25–Oct 24 · 0 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

EPS at or above $2.93 in FY26Diluted EPS: $0.80 per share
Successful integration of Signature Bank mergerQualitative condition
Utilize $7.5 million for share repurchaseDirect metric needs a verified mapping

Next proof point

Next earnings date unavailable

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

0.7%Typical daily move · historical

Downside history

-10.6%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

First Community Corp/SC outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

FCCO is a regional bank with a growth-focused, execution-dependent multi-year view. Its thesis is intact this month, supported by strong recent financial performance, though management execution and earnings quality are rated neutral.

What's priced into First Community Corp/SC

Valuation is tagged as justified, with expectations broadly aligned with the evidence and low fragility. FCCO is valued at a modest premium to peers, while the expectations gap is slightly negative, suggesting limited room for results to fall short of what is assumed.

What the fundamentals likely do

Near term, recent financial performance is strong: net interest margin, the difference between interest earned and interest paid, rose to 3.59% in the third quarter, and management reported ten consecutive quarters of expansion. Organic loan growth and net income also show progress, but acquisition integration and growth-market expansion remain ongoing; a guidance cut is a key near-term risk.

What First Community Corp/SC hinges on

Over the next few quarters, the thesis depends on continued margin expansion, organic growth, and steady execution after the CEO transition. A guidance cut or Federal Reserve rate cuts would weigh on the setup, while strong earnings and higher guidance from sector peers could support sector momentum.