First Community Corp. (South Carolina) (FCCO) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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First Community Corp. (South Carolina)

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Why is First Community Corp. (South Carolina) ?

With a Negative Book Value, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

The company has declared Positive results for the last 3 consecutive quarters

NII(Q) Highest at USD 16.31 MM
OPERATING CASH FLOW(Y) Highest at USD 15.37 MM
ROCE(HY) Highest at 0.96%

With ROA of 0.92%, it has a risky valuation with a -11.92 Price to Book Value

Over the past year, while the stock has generated a return of 25.94%, its profits have risen by 41.5% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 70.48%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.72% over the previous quarter.

Market Beating Performance

The stock has generated a return of 25.94% in the last 1 year, much higher than market (S&P 500) returns of 14.90%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Community Corp. (South Carolina) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Community Corp. (South Carolina) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

First Community Corp. (South Carolina)

27.97%

3.08

24.94%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.26%

EBIT Growth (5y)

11.11%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.10%

Pledged Shares

Institutional Holding

70.48%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

-11.92

EV to EBIT

7.80

EV to EBITDA

7.37

EV to Capital Employed

-4.05

EV to Sales

1.96

PEG Ratio

0.27

Dividend Yield

0.59%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

Negative BV

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

NII(Q)

Highest at USD 16.31 MM

OPERATING CASH FLOW(Y)

Highest at USD 15.37 MM

ROCE(HY)

Highest at 0.96%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET PROFIT(9M)

Higher at USD 16 MM

-4What is not working for the Company

ROCE(HY)

Lowest at 0.96%

CASH AND EQV(HY)

Lowest at USD 30.36 MM

Here's what is working for First Community Corp. (South Carolina)

NII

Highest at USD 16.31 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 15.37 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Profit

Higher at USD 16 MM

than preceding 12 month period ended Dec 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (USD MM)

CASA

Highest at 13.11%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for First Community Corp. (South Carolina)

Cash and Eqv

Lowest at USD 30.36 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents