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: $31.30 to $33.03
• 50-Day Range: $29.26 to $32.22
• 52-Week Range: $22.20 to $33.03
• Volume: 107,756 shs
• Average Volume: 111,493 shs
• Market Capitalization: $294.69 million
• P/E Ratio: 12.29
• Dividend Yield: 2.04%
• Price Target: $34.00
• Consensus Rating: Moderate Buy

First Community Stock Analysis - MarketRank™

First Community scored higher than 68% of companies evaluated by MarketBeat, and ranked 425th out of 878 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: 2.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Community has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, 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 only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.42%

Earnings Growth

Earnings for First Community are expected to grow by 8.42% in the coming year, from $2.97 to $3.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Community is 12.29, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Community is 12.29, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.12.

Price to Book Value per Share Ratio

First Community has a P/B Ratio of 1.44. 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

0.79% 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 0.72, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Community has recently increased by 14.88%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

First Community pays a meaningful dividend of 1.99%, 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 25.10%. 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 19.88% next year. This indicates that First Community will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.62

News Sentiment

First Community has a news sentiment score of 0.62. 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 lower news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for First Community this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Community insiders have not sold or bought any company stock.

Percentage Held by Insiders

8.84% 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.

Company Calendar

• Last Earnings: 4/22/2026
• Record date for 5/19 Dividend: 5/05/2026
• Ex-Dividend for 5/19 Dividend: 5/05/2026
• Dividend Payable: 5/19/2026
• Today: 6/15/2026
• Next Earnings (Estimated): 7/22/2026
• Fiscal Year End: 12/31/2026

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: $34.00
• High Price Target: $34.00
• Low Price Target: $34.00
• Potential Upside/Downside: +8.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.55
• Trailing P/E Ratio: 12.29
• Forward P/E Ratio: 10.56
• P/E Growth: N/A
• Net Income: $19.20 million
• Net Margins: 17.29%
• Pretax Margin: 21.39%
• Return on Equity: 13.00%
• Return on Assets: 1.07%

Debt

• Debt-to-Equity Ratio: 0.07
• Current Ratio: 0.82
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $114 million
• Price / Sales: 2.59
• Cash Flow: $2.36 per share
• Price / Cash Flow: 13.31
• Book Value: $21.79 per share
• Price / Book: 1.44

Miscellaneous

• Outstanding Shares: 9,400,000
• Free Float: 8,567,000
• Market Cap: $294.69 million
• Optionable: Not Optionable
• Beta: 0.35