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MARKETS / NASDAQ / FCCO
NASDAQ · STATE COMMERCIAL BANKS · SMALL CAP

First Community Corp. FCCO

17 fiscal years on record · USD · FY2025 reported · SEC filings only
5 YEARS OF DIVIDEND GROWTH
$922,000
▼ 3.2% YoY
$19.2M
▲ 37.6% YoY
$17.6M
▲ 67.0% YoY
In brief

What this company does

We engage in a commercial banking business from our main office in Lexington, South Carolina and our 21 full-service offices located in: the Midlands of South Carolina, which includes Lexington County (6 offices), Richland County (4 offices), Newberry County (2 offices) and Kershaw County (1 office); the Upstate of South Carolina, which includes Greenville County (2 offices), Anderson County (1 office) and Pickens County (1 office); the Piedmont Region of South Carolina, which includes York County, South Carolina (1 office) and the Central Savannah River Area, which includes Aiken County, South Carolina (1 office); and in Augusta, Georgia, which includes Richmond County (1 office) and Columbia County (1 office). At December 31, 2025, we had approximately $2.1 billion in assets, $1.3 billion in loans, $1.7 billion in deposits, and $167.6 million in shareholders’ equity. We offer a wide 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. We also offer a full range of commercial and personal loans. We offer non-deposit investment products and other investment brokerage services through a registered representative with an affiliation through LPL Financial. The banking business is highly competitive. We compete as a financial intermediary with other commercial banks, savings and loan associations, credit unions and money market mutual funds operating in our market areas.

Written from the business description in First Community Corporation's annual report to the U.S. Securities and Exchange Commission, filed 16 March 2026. Every sentence was checked against that document before publication.

Growth
USD 922,000.00
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 0.9 · Net income 19.2
8M16M200920112013201520172019202120232025
Compound annual growth
−1.3%
−3.8%
+9.5%
+13.7%
+12.1%
+16.9%
+8.8%
+12.8%
+6.0%
+7.1%
+6.7%
+5.9%
+10.0%
+15.9%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at −3.8% a year over five years — but profit grew faster: net income at +13.7%, earnings per share at +12.8%.

The share count rose from 0.01B to 0.01B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
2083 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 2696.2% · Net 2083.0%
1000%2000%200920112013201520172019202120232025
ROE
FY2025 · ROE 12.3%
5%10%-20%-40%-60%200920112013201520172019202120232025
Gross margin—
Operating margin2696.2%
Net margin2083.0%
Return on assets1.0%
EBITDAUSD 26.6M

Each USD of equity produced 12 cents of profit this year.

Cash & shareholders
USD 4.8M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 17.6
20M40M-8M-16M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 4.8 · Net buybacks —
4M8MDividendsNet buybacks200920112013201520172019202120232025
Dividends paidUSD 4.8M
Net buybacks—
Share of profit24.7%
Consecutive raises5 years

USD 4.8M in dividends — 25% of the year's profit went back to shareholders.

Total assetsUSD 2.1B
EquityUSD 167.6M
CashUSD 161.1M
DepositsUSD 1.7B

Equity funds 8% of total assets.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.00.00.00.00.00.00.00.00.00.0·······
Operating income $B0.00.00.0··············
EBITDA $B0.00.00.0··············
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0−0.0
Free cash flow $B0.00.00.00.00.1−0.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $2.471.811.551.922.051.351.451.450.830.980.910.780.780.790.810.36−7.95
Dividend / sh $0.620.580.560.520.480.44·······0.160.160.160.24
Payout %25323627233530274332302928151628−3
ROE %12.310.19.511.311.27.99.410.36.28.38.08.17.77.87.44.5−60.9
Shares out B0.010.010.010.010.010.010.010.010.010.010.010.010.010.010.000.00·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inSouth Carolina
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2009

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