First Community Corp (FCCO) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, First Community reported revenue of $79.0M, up 19.6% from $66.0M the year before. Net income was $19.2M (a 24.3% net margin), or $2.47 per diluted share. Net interest income was $62.0M, and the efficiency ratio (noninterest expense / revenue) was 67.5%. Operating activities generated $18.7M of cash, leaving $17.6M of free cash flow. At fiscal year end, First Community held $2.06B in total assets against $1.89B in total liabilities.
Open the full interactive First Community financials → Quarterly statements, key ratios, valuation history and price charts.
First Community Key Stats
| Share Price | $32.29 |
|---|---|
| Market Cap | $306.9M |
| P/E Ratio | 13.1 |
| Revenue YoY Growth | +19.6% |
| 52-Week Range | $26.06 – $34.84 |
| Shares Outstanding | 9.4 million (basic, 2026 Q2) |
First Community Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $40.0M | $45.3M | $47.9M | $48.9M | $52.0M | $62.0M |
| Provision for Credit Losses | $3.7M | $335,000 | -$152,000 | $1.1M | $809,000 | $770,000 |
| Noninterest Income | $13.8M | $13.9M | $11.6M | $10.4M | $14.0M | $16.9M |
| Noninterest Expense | $37.5M | $39.2M | $41.3M | $43.1M | $47.5M | $53.3M |
| Revenue | $53.8M | $59.2M | $59.5M | $59.3M | $66.0M | $79.0M |
| Pre-Tax Income | $12.6M | $19.6M | $18.4M | $15.0M | $17.8M | $24.9M |
| Income Tax | $2.5M | $4.2M | $3.8M | $3.2M | $3.8M | $5.7M |
| Net Income | $10.1M | $15.5M | $14.6M | $11.8M | $14.0M | $19.2M |
| Diluted EPS | $1.35 | $2.05 | $1.92 | $1.55 | $1.81 | $2.47 |
First Community Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $20.5M | $20.6M | $23.2M | $25.1M |
| Net Income | $5.2M | $4.8M | $5.5M | $7.6M |
| Diluted EPS | $0.67 | $0.62 | $0.59 | $0.80 |
First Community Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $65.0M | $69.0M | — | — | — | — |
| Loans (Net) | $833.8M | $852.5M | $969.5M | $1.12B | $1.21B | $1.30B |
| Total Assets | $1.40B | $1.58B | $1.67B | $1.83B | $1.96B | $2.06B |
| Deposits | $1.19B | $1.36B | $1.39B | $1.51B | $1.68B | $1.75B |
| Total Long-Term Debt | $157.6M | $152.4M | $171.9M | $319.2M | $195.2M | $226.2M |
| Total Liabilities | $1.26B | $1.44B | $1.55B | $1.70B | $1.81B | $1.89B |
| Shareholders' Equity | $136.3M | $141.0M | $118.4M | $131.1M | $144.5M | $167.6M |
First Community Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$17.0M | $57.9M | $22.1M | $12.2M | $10.9M | $18.7M |
| Cash From Investing | -$171.5M | -$236.3M | -$162.8M | -$89.7M | -$67.6M | -$80.8M |
| Cash From Financing | $205.9M | $182.4M | $109.0M | $134.7M | $111.9M | $73.4M |
| Free Cash Flow | -$18.1M | $57.1M | $20.9M | $11.2M | $9.8M | $17.6M |
Figures from First Community's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Community financials page for every line item.
First Community Company Profile
| Ticker | FCCO |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Lexington, South Carolina |
| Incorporated in | South Carolina |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0000932781 |
Frequently Asked Questions
What was First Community's revenue in fiscal 2025?
First Community (FCCO) reported revenue of $79.0M for fiscal 2025.
What is First Community's annual revenue history?
First Community's annual revenue by fiscal year: 2020: $53.8M; 2021: $59.2M; 2022: $59.5M; 2023: $59.3M; 2024: $66.0M; 2025: $79.0M.
What was First Community's net income in fiscal 2025?
First Community reported net income of $19.2M for fiscal 2025.
What was First Community's earnings per share (EPS) in fiscal 2025?
First Community's diluted EPS was $2.47 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Community generate in fiscal 2025?
First Community generated $17.6M of free cash flow in fiscal 2025.
What was First Community's revenue last quarter?
In its most recent reported quarter (2026 Q2), First Community reported revenue of $25.1M.
How much debt does First Community have?
First Community reported $226.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of First Community are outstanding?
First Community reported a weighted average of 9.4 million basic shares outstanding in 2026 Q2.
What is First Community's market cap?
Based on its latest closing price, First Community (FCCO) has a market capitalization of about $306.9M.
When does First Community's fiscal year end?
First Community's fiscal year end, as registered with the SEC, is December 31.
Where is First Community headquartered?
First Community lists its business address in Lexington, South Carolina in its SEC filings.