# First Community Corporation (FCCO)

> Source: Nexqual · https://nexqual.com/FCCO · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, First Community Corporation (FCCO), nexqual.com/FCCO" · informational, not investment advice.

**Price:** USD 33.1 (+0.33% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 33.1 · day 32.77–33.18 · 52w 26.42–35.74 · market cap null · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $89.4M, net income $23.1M (25.9% margin) (SEC filings).
- Insider open-market sales, last ~7 months: 4 Form 4 filings, $1.2M; 4 not under a Rule 10b5-1 plan ($1.2M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $42K; 0 by opportunistic insiders, 0 by routine insiders.
- Total return with dividends: 1Y +23.2% vs S&P 500 +13.4%; 5Y +87.5% vs S&P 500 +76.9%.
- Next earnings: 2026-10-21, EPS estimate USD 0.8, revenue estimate $26.2M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $59.2M | $59.5M | $59.3M | $66.0M | $79.0M | $89.4M |
| Net income | $15.5M | $14.6M | $11.8M | $14.0M | $19.2M | $23.1M |
| EPS (diluted) | $2.05 | $1.92 | $1.55 | $1.81 | $2.47 | — |
| Free cash flow | $57.1M | $20.9M | $11.9M | $10.5M | $17.6M | $6.6M |
| Net margin | 26.1% | 24.6% | 20.0% | 21.1% | 24.3% | 25.9% |
| Revenue growth | +10.0% | +0.6% | -0.3% | +11.3% | +19.6% | — |
| Cash + short-term investments | $69.0M | $37.4M | $94.7M | $150M | $161M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)

P/E at fiscal year-ends: Dec 2025 12.0x, Dec 2024 13.2x, Dec 2023 13.9x.

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 4 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-05 | Deutsch Fred Joseph | Director | 0 | $0K | 0% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-09-03 | Been Jonathan W | Director | 14,800 | $504K | 4.1% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-08-21…2026-08-24 | Deutsch Fred Joseph | Executive Vice President | 8,899 | $303K | 47.1% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-07-28 | Deutsch Fred Joseph | Executive Vice President | 10,000 | $345K | 35.1% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
1 purchase, $42K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-08-25 | Sosebee Jane S | Director | 1,250 | $42K | 33.95 | Too little history (no open-market trades in 2023 or 2025) |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +23.2% | +87.5% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +23.3% | +13.4% |
| Volatility (annualized) | 19.9% | 26.9% |
| Max drawdown | -10.6% (Dec 2025→Mar 2026) | -25.1% (Dec 2023→Apr 2024) |

## Peers
FNLC (First Bancorp, Inc (ME)) USD 36.36 +0.53% · PLBC (Plumas Bancorp) USD 63.2 -0.46% · FUNC (First) USD 45.93 +0.02% · FBIZ (First Business Financial Servic) USD 72.43 -0.10% · OVLY (Oak Valley Bancorp (CA)) USD 34.11 -0.41%

## More
Full page: https://nexqual.com/FCCO · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-10-21)

- "FORWARD-LOOKING STATEMENT This news release and certain statements by our management may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements relating to future plans, goals, projections and expectations and are thus prospective."
- "Such risks, uncertainties and other factors, include, among others, the following: (1) the risk that anticipated cost savings or other expected benefits of the acquisition of Signature Bank of Georgia may not be realized;"
- "(4) the strength of the United States economy in general and the strength of the local economies in which we conduct operations may be different than expected;"

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $0.80 | $0.77 | +4.3% | $26.2M | 3 |
| Next quarter (ends 2027-03-31) | $0.80 | $0.75 | +6.0% | $26.5M | 2 |
| Current fiscal year (ends 2026-12-31) | $3.14 | $2.93 | +7.2% | $100.5M | 3 |
| Next fiscal year (ends 2027-12-31) | $3.32 | $3.16 | +5.1% | $108.1M | 3 |