First Community Corp (South Carolina) - Understand $fcco stock

$FCCO Market Cap: $186.7 Million

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Financial Snapshot

Revenue

$722.0K

TTM

Gross Margin

Net Earnings

$13.02M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.944B

Q3 2024

Total Liabilities

$1.800B

Q3 2024

Book Value

$143.3M

Q3 2024

Cash

$171.5M

Q3 2024

P/E

14.34

Nov 13, 2024 EST

Free Cash Flow

$12.19M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$963.0K	$960.0K	$3.995M	$2.720M	$2.021M	$1.683M						$23.00M	$25.53M	$27.51M	$30.98M
YoY Change	0.31%	-75.97%	46.88%	34.59%	20.08%							-9.89%	-7.22%	-11.2%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2012	2011	2010	2009
Revenue	$963.0K	$960.0K	$3.995M	$2.720M	$2.021M	$1.683M	$23.00M	$25.53M	$27.51M	$30.98M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.800M	$1.821M	$1.910M	$2.000M	$2.120M	$2.080M	$1.790M	$1.650M	$1.640M	$1.400M	$1.020M	$1.060M	$1.360M	$1.500M	$1.610M	$1.540M	$1.810M	$1.640M	$1.530M	$1.040M	$810.0K	$690.0K	$630.0K	$380.0K	$220.0K	$130.0K	$140.0K	$170.0K	$70.00K
YoY Change	-1.15%	-4.66%	-4.5%	-5.66%	1.92%	16.2%	8.48%	0.61%	17.14%	37.25%	-3.77%	-22.06%	-9.33%	-6.83%	4.55%	-14.92%	10.37%	7.19%	47.12%	28.4%	17.39%	9.52%	65.79%	72.73%	69.23%	-7.14%	-17.65%	142.86%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2012	2011	2010	2009
Interest Expense	$23.81M	$3.174M	$2.241M	$3.755M	$5.428M	$7.209M	$9.374M	$13.10M
YoY Change	650.0%	41.63%	-40.32%		-24.71%	-23.1%	-28.46%
% of Operating Profit
Other Income/Expense, Net	$957.0K	$834.0K	$777.0K	$780.0K	$692.0K	$666.0K	$624.0K
YoY Change	14.75%	7.34%	-0.38%		3.9%	6.73%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$15.04M	$18.41M	$19.65M	$12.60M	$13.83M	$13.92M	$9.150M	$8.850M	$8.400M	$7.100M	$5.290M	$5.588M	$4.781M	$2.419M	-$24.54M	-$10.55M	$5.690M	$4.950M	$4.130M	$3.150M	$2.760M	$2.220M	$1.670M	$1.510M	$1.250M	$910.0K	$250.0K	-$230.0K	-$560.0K
YoY Change	-18.31%	-6.31%	55.95%	-8.89%	-0.65%	52.13%	3.39%	5.36%	18.31%	34.22%	-5.33%	16.88%	97.64%	-109.86%	132.56%	-285.41%	14.95%	19.85%	31.11%	14.13%	24.32%	32.93%	10.6%	20.8%	37.36%	264.0%	-208.7%	-58.93%	273.33%
Income Tax	$3.197M	$3.798M	$4.180M	$2.500M	$2.860M	$2.690M	$2.080M	$2.170M	$2.280M	$1.980M	$1.150M	$1.620M	$1.457M	$565.0K	$696.0K	-$3.760M	$1.720M	$1.450M	$1.030M	$960.0K	$970.0K	$760.0K	$570.0K	$520.0K	$440.0K	$60.00K	$0.00	$0.00	$0.00
% Of Pretax Income	21.26%	20.63%	21.27%	19.84%	20.68%	19.32%	22.73%	24.52%	27.14%	27.89%	21.74%	28.99%	30.47%	23.36%			30.23%	29.29%	24.94%	30.48%	35.14%	34.23%	34.13%	34.44%	35.2%	6.59%	0.0%
Net Earnings	$11.84M	$14.61M	$15.47M	$10.10M	$10.97M	$11.23M	$5.820M	$6.680M	$6.130M	$5.120M	$4.140M	$3.968M	$3.324M	$1.854M	-$25.23M	-$6.790M	$3.960M	$3.500M	$3.090M	$2.190M	$1.800M	$1.460M	$1.100M	$990.0K	$820.0K	$850.0K	$250.0K	-$230.0K	-$560.0K
YoY Change	-18.96%	-5.54%	53.17%	-7.93%	-2.32%	92.96%	-12.87%	8.97%	19.73%	23.67%	4.33%	19.37%	79.29%	-107.35%	271.58%	-271.46%	13.14%	13.27%	41.1%	21.67%	23.29%	32.73%	11.11%	20.73%	-3.53%	240.0%	-208.7%	-58.93%	273.33%
Net Earnings / Revenue	1229.8%	1522.19%	387.23%	371.32%	542.8%	667.26%						17.25%	13.02%	6.74%	-81.44%
Basic Earnings Per Share	$1.56	$1.94	$2.06	$1.36								$0.79	$0.81	$0.36	-$7.95
Diluted Earnings Per Share	$1.55	$1.920M	$2.049M	$1.350M	$1.445M	$1.453M	$831.4K	$983.8K	$912.2K	$774.6K	$776.7K	$0.79	$0.81	$0.36	-$7.95	-$2.122M	$1.207M	$1.104M	$1.040M	$1.090M	$1.084M	$895.7K	$679.0K	$611.1K	$503.1K	$669.3K	$271.7K	-$255.6K	-$1.217M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$33.84M	$33.98M	$35.70M	$37.50M	$38.20M	$35.00M	$36.10M	$29.80M	$29.90M	$28.50M	$19.40M	$17.30M	$17.50M	$18.00M	$18.70M	$19.40M	$19.70M	$21.00M	$16.00M	$14.30M	$8.000M	$6.800M	$6.500M	$6.100M	$5.400M	$3.700M	$3.000M	$2.500M	$1.600M
YoY Change	-0.42%	-4.82%	-4.8%	-1.83%	9.14%	-3.05%	21.14%	-0.33%	4.91%	46.91%	12.14%	-1.14%	-2.78%	-3.74%	-3.61%	-1.52%	-6.19%	31.25%	11.89%	78.75%	17.65%	4.62%	6.56%	12.96%	45.95%	23.33%	20.0%	56.25%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$11.02M	$11.66M	$1.800M	$100.0K	$1.600M	$2.300M	$2.100M	$4.300M	$3.800M	$4.100M	$5.000M	$3.400M
YoY Change	-5.48%	547.61%	1700.0%	-93.75%	-30.43%	9.52%	-51.16%	13.16%	-7.32%	-18.0%	47.06%
Total Long-Term Assets
YoY Change
Total Assets	$1.828B	$1.673B	$1.585B	$1.395B	$1.170B	$1.092B	$1.051B	$914.8M	$862.7M	$812.4M	$633.3M	$602.9M	$593.9M	$599.0M	$605.8M	$650.2M	$565.6M	$548.1M	$467.5M	$455.7M	$215.0M	$195.2M	$156.6M	$112.0M	$94.90M	$73.20M	$51.00M	$38.10M	$19.40M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$3.426M	$2.832M	$3.000M	$3.100M	$3.300M
YoY Change	20.97%	-5.6%	-3.23%	-6.06%
Deferred Revenue
YoY Change
Short-Term Debt	$62.86M	$90.74M	$54.20M	$40.90M	$33.30M	$28.00M	$19.30M	$19.50M	$21.00M	$17.40M	$18.60M	$15.90M	$13.60M	$12.80M	$20.80M	$28.30M	$23.50M	$19.60M	$14.00M	$7.700M	$4.100M	$7.500M	$4.200M	$3.100M	$3.400M	$2.800M	$2.300M	$1.200M	$1.800M
YoY Change	-30.72%	67.42%	32.52%	22.82%	18.93%	45.08%	-1.03%	-7.14%	20.69%	-6.45%	16.98%	16.91%	6.25%	-38.46%	-26.5%	20.43%	19.9%	40.0%	81.82%	87.8%	-45.33%	78.57%	35.48%	-8.82%	21.43%	21.74%	91.67%	-33.33%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$66.29M	$2.832M	$3.000M	$3.100M	$3.300M	$28.00M	$19.30M	$19.50M	$21.00M	$17.40M	$18.60M	$15.90M	$13.60M	$12.80M	$20.80M	$28.30M	$23.50M	$19.60M	$14.00M	$7.700M	$4.100M	$7.500M	$4.200M	$3.100M	$3.400M	$2.800M	$2.300M	$1.200M	$1.800M
YoY Change	2240.71%	-5.6%	-3.23%	-6.06%	-88.21%	45.08%	-1.03%	-7.14%	20.69%	-6.45%	16.98%	16.91%	6.25%	-38.46%	-26.5%	20.43%	19.9%	40.0%	81.82%	87.8%	-45.33%	78.57%	35.48%	-8.82%	21.43%	21.74%	91.67%	-33.33%
Long-Term Debt	$14.96M	$14.96M	$15.00M	$15.00M	$15.00M	$15.00M	$15.00M	$15.00M	$15.00M	$15.50M	$15.50M	$15.50M	$17.90M	$15.50M	$15.50M	$15.50M	$15.50M	$15.50M	$15.50M	$15.50M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.0%	-0.24%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-3.23%	0.0%	0.0%	-13.41%	15.48%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$14.38M	$10.66M	$10.10M	$10.60M	$10.10M	$10.40M	$8.300M	$7.800M	$6.800M	$6.600M	$6.100M	$6.100M	$6.000M	$5.500M	$5.200M	$6.000M	$5.900M	$5.100M	$3.100M	$2.500M	$1.200M	$1.200M	$1.200M	$800.0K	$400.0K	$800.0K	$400.0K	$200.0K	$100.0K
YoY Change	34.8%	5.58%	-4.72%	4.95%	-2.88%	25.3%	6.41%	14.71%	3.03%	8.2%	0.0%	1.67%	9.09%	5.77%	-13.33%	1.69%	15.69%	64.52%	24.0%	108.33%	0.0%	0.0%	50.0%	100.0%	-50.0%	100.0%	100.0%	100.0%
Total Long-Term Liabilities	$29.34M	$25.63M	$25.10M	$25.60M	$25.10M	$25.40M	$23.30M	$22.80M	$21.80M	$22.10M	$21.60M	$21.60M	$23.90M	$21.00M	$20.70M	$21.50M	$21.40M	$20.60M	$18.60M	$18.00M	$1.200M	$1.200M	$1.200M	$800.0K	$400.0K	$800.0K	$400.0K	$200.0K	$100.0K
YoY Change	14.48%	2.1%	-1.95%	1.99%	-1.18%	9.01%	2.19%	4.59%	-1.36%	2.31%	0.0%	-9.62%	13.81%	1.45%	-3.72%	0.47%	3.88%	10.75%	3.33%	1400.0%	0.0%	0.0%	50.0%	100.0%	-50.0%	100.0%	100.0%	100.0%
Total Liabilities	$1.697B	$1.555B	$1.444B	$1.259B	$1.050B	$979.1M	$945.1M	$832.9M	$783.7M	$737.8M	$580.6M	$548.7M	$546.0M	$557.2M	$564.4M	$582.1M	$501.6M	$484.8M	$416.7M	$405.2M	$195.5M	$176.8M	$139.8M	$96.60M	$80.80M	$59.50M	$44.90M	$32.30M	$13.20M
YoY Change	9.14%	7.7%	14.65%	19.89%	7.25%	3.6%	13.47%	6.28%	6.22%	27.08%	5.81%	0.49%	-2.01%	-1.28%	-3.04%	16.05%	3.47%	16.34%	2.84%	107.26%	10.58%	26.47%	44.72%	19.55%	35.8%	32.52%	39.01%	144.7%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2012	2011	2010
Basic Shares Outstanding	7.568M shares	7.529M shares	7.491M shares	7.446M shares	4.144M shares	3.287M shares	3.262M shares
Diluted Shares Outstanding	7.647M shares	7.608M shares	7.549M shares	7.482M shares	4.172M shares	3.287M shares	3.262M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $186.74 Million

About First Community Corp (South Carolina)

First Community Corp. is a bank holding company, which engages in the provision of commercial banking services through its subsidiary, First Community Bank. The company is headquartered in Lexington, South Carolina and currently employs 273 full-time employees. The firm 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. The company also offers online banking to its customers. The firm is engaged in a commercial banking business with 22 full-service offices located in the Midlands of South Carolina, which includes Lexington County, Richland County, Newberry County and Kershaw County; the Upstate of South Carolina, which includes Greenville County, Anderson County and Pickens County; the Piedmont Region of South Carolina, which includes York County, South Carolina and the Central Savannah River Area, which includes Aiken County, South Carolina; and in Augusta, Georgia, which includes Richmond County and Columbia County.

Industry: State Commercial Banks Peers: Avidbank Holdings, Inc. Citizens Community Bancorp Inc First Financial Northwest Inc First Keystone Corp Landmark Bancorp Inc Old Point Financial Corp Ohio Valley Banc Corp PNC Financial Services Group Inc SALISBURY BANCORP, INC.