First Community (FCCO) Stock Price, News & Analysis

Company Overview

First Community Financial Corp. (NASDAQ: FCCO) is the bank holding company for First Community Bank, a full-service commercial bank headquartered in Bluefield, West Virginia. Through its subsidiary, the company delivers a comprehensive range of financial services to individuals, small businesses and larger commercial clients. Its operations are focused on community banking, with an emphasis on personalized relationship management and local decision-making.

The company’s core offerings include deposit products such as checking and savings accounts, certificates of deposit and money market accounts, as well as consumer and commercial lending solutions. First Community provides residential mortgage lending, home equity lines of credit, agricultural financing, treasury management services and merchant card processing. Digital banking capabilities encompass online account access, bill payment and mobile deposit to support clients’ needs beyond traditional branch hours.

Founded in 1912 as First National Bank of Bluefield, the institution has grown through organic expansion and targeted acquisitions to serve markets across southwestern Virginia, southern West Virginia and northeastern Tennessee. Over more than a century of operations, First Community has maintained its focus on community development, supporting local nonprofits, small businesses and civic initiatives. The company’s branch network and digital platform aim to blend local expertise with modern banking technology.

Key Stats

• Today's Range: $28.50 to $29.44
• 50-Day Range: $24.52 to $29.14
• 52-Week Range: $19.46 to $29.44
• Volume: 122,410 shs
• Average Volume: 23,274 shs
• Market Capitalization: $223.97 million
• P/E Ratio: 13.07
• Dividend Yield: 2.20%
• Price Target: $29.67
• Consensus Rating: Buy

First Community Stock Analysis - MarketRank™

First Community scored higher than 68% of companies evaluated by MarketBeat, and ranked 494th out of 941 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.8 / 5
• Analyst Rating: Buy

Consensus Rating

First Community has received a consensus rating of Buy. The company's average rating score is 3.33, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for First Community is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

First Community has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 24.12%

Earnings Growth

Earnings for First Community are expected to grow by 24.12% in the coming year, from $2.28 to $2.83 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Community is 13.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Community is 13.07, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 243.73.

Price to Book Value per Share Ratio

First Community has a P/B Ratio of 1.54. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.81% of the float of First Community has been sold short.

Short Interest Ratio / Days to Cover

First Community has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in First Community has recently decreased by 4.14%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

First Community pays a meaningful dividend of 2.21%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Community has only been increasing its dividend for 4 years.

Dividend Coverage

The dividend payout ratio of First Community is 28.70%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Community will have a dividend payout ratio of 22.61% next year. This indicates that First Community will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.81% of the float of First Community has been sold short.

Short Interest Ratio / Days to Cover

First Community has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in First Community has recently decreased by 4.14%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

First Community has a news sentiment score of 1.77. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.02 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Community this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, First Community insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $47,012.00 in company stock.

Percentage Held by Insiders

Only 5.92% of the stock of First Community is held by insiders.

Percentage Held by Institutions

61.25% of the stock of First Community is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FCCO Stock Analysis - Frequently Asked Questions

How have FCCO shares performed this year?

First Community's stock was trading at $24.00 at the beginning of 2025. Since then, FCCO shares have increased by 21.4% and is now trading at $29.14.

How were First Community's earnings last quarter?

First Community Corporation (NASDAQ:FCCO) posted its earnings results on Wednesday, July, 23rd. The bank reported $0.67 EPS for the quarter, beating the consensus estimate of $0.58 by $0.09. The bank earned $19.53 million during the quarter, compared to analyst estimates of $18.56 million. First Community had a net margin of 15.87% and a trailing twelve-month return on equity of 11.65%.

Who are First Community's major shareholders?

Top institutional investors of First Community include Fourthstone LLC (7.27%), The Manufacturers Life Insurance Company (4.63%), Ameriprise Financial Inc. (2.86%) and Hunter Perkins Capital Management LLC (2.35%). Insiders that own company stock include Michael C Crapps, E Leland Reynolds, Roderick M Todd Jr and Jan H Hollar.
View institutional ownership trends.

How do I buy shares of First Community?

Shares of FCCO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Community own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Community investors own include Broadcom (AVGO), NVIDIA (NVDA), Arista Networks (ANET), Jabil (JBL), Adobe (ADBE), e.l.f. Beauty (ELF) and Builders FirstSource (BLDR).

Company Calendar

• Last Earnings: 7/23/2025
• Record date for 8/19 Dividend: 8/05/2025
• Ex-Dividend for 8/19 Dividend: 8/05/2025
• Dividend Payable: 8/19/2025
• Today: 9/20/2025
• Next Earnings (Estimated): 10/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FCCO
• CIK: 932781
• Web: www.firstcommunitysc.com
• Phone: (803) 951-2265
• Fax: 803-951-1722
• Employees: 250
• Year Founded: 1994

Price Target and Rating

• Average Price Target for First Community: $29.67
• High Price Target: $30.00
• Low Price Target: $29.00
• Potential Upside/Downside: +1.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.23
• Trailing P/E Ratio: 13.07
• Forward P/E Ratio: 12.78
• P/E Growth: N/A
• Net Income: $13.95 million
• Net Margins: 15.87%
• Pretax Margin: 20.46%
• Return on Equity: 11.65%
• Return on Assets: 0.87%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.78
• Quick Ratio: 0.77

Sales & Book Value

• Annual Sales: $103.43 million
• Price / Sales: 2.17
• Cash Flow: $1.59 per share
• Price / Cash Flow: 18.32
• Book Value: $18.91 per share
• Price / Book: 1.54

Miscellaneous

• Outstanding Shares: 7,690,000
• Free Float: 7,231,000
• Market Cap: $224.09 million
• Optionable: Not Optionable
• Beta: 0.46