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First Community (FCCO) Financials

First Community logo
$32.93 0.00 (0.00%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$32.76 -0.16 (-0.50%)
As of 05:48 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for First Community

Annual Income Statements for First Community

This table shows First Community's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.13 6.68 5.82 11 11 10 15 15 12 14 19
Consolidated Net Income / (Loss)		 6.13 6.68 5.82 11 11 10 15 15 12 14 19
Net Income / (Loss) Continuing Operations		 6.13 6.68 5.82 11 11 10 15 15 12 14 19
Total Pre-Tax Income 		8.40 8.85 9.15 14 14 13 20 18 15 18 25
Total Revenue		 34 35 39 46 49 54 59 60 59 66 79
Net Interest Income / (Expense)		 25 26 29 36 37 40 45 48 49 52 62
Total Interest Income		 29 30 32 40 43 44 48 51 73 89 97
Loans and Leases Interest Income		 23 24 26 33 35 37 40 39 52 66 74
Investment Securities Interest Income		 5.31 5.72 5.86 6.52 6.64 6.47 7.72 11 18 18 17
Other Interest Income		 0.12 0.11 0.16 0.42 0.55 0.28 0.13 0.63 2.19 5.49 6.47
Total Interest Expense		 3.40 3.05 2.76 3.98 5.78 3.76 2.24 3.17 24 37 35
Deposits Interest Expense		 1.75 1.82 1.83 2.91 4.56 3.02 1.74 1.85 17 31 31
Federal Funds Purchased and Securities Sold Interest Expense		 0.04 0.04 0.07 0.29 0.39 0.19 0.09 0.23 1.66 2.18 2.71
Other Interest Expense		 1.61 1.19 0.86 0.78 0.84 0.54 0.42 1.10 5.58 4.03 1.07
Total Non-Interest Income		 8.97 8.94 9.64 11 12 14 14 12 10 14 17
Service Charges on Deposit Accounts		 - 1.41 1.49 1.77 1.65 1.12 0.98 0.96 0.96 0.95 0.92
Other Service Charges		 7.52 6.29 6.67 7.44 8.22 9.37 8.57 6.24 5.92 6.77 8.14
Net Realized & Unrealized Capital Gains on Investments		 0.16 0.11 0.19 -0.32 0.13 0.25 0.19 -0.12 -1.10 -0.01 0.13
Investment Banking Income		 1.29 1.14 1.29 1.68 2.02 2.72 4.00 4.48 4.51 6.18 7.57
Other Non-Interest Income		 - - - 0.07 -0.28 0.31 0.17 0.01 0.12 0.11 0.19
Provision for Credit Losses		 1.14 0.77 0.53 0.35 0.14 3.66 0.34 -0.15 1.13 0.81 0.77
Total Non-Interest Expense		 25 26 29 32 35 38 39 41 43 47 53
Salaries and Employee Benefits		 14 15 17 20 21 24 24 25 26 29 32
Net Occupancy & Equipment Expense		 3.73 3.90 3.94 3.89 4.19 3.95 4.24 4.35 4.72 4.55 4.69
Marketing Expense		 0.85 0.87 0.90 0.92 1.11 1.04 1.17 1.26 1.50 1.51 1.82
Property & Liability Insurance Claims		 0.53 0.41 0.31 0.38 0.06 0.40 0.62 0.47 0.90 1.18 1.12
Other Operating Expenses		 4.76 4.96 5.97 6.86 7.47 7.75 8.47 9.67 10.00 11 12
Amortization Expense		 0.39 0.32 0.34 0.56 0.52 0.36 0.20 0.16 0.16 0.16 0.16
Restructuring Charge		 0.00 0.00 0.95 - - - - - 0.00 0.00 1.26
Income Tax Expense		 2.28 2.17 3.33 2.69 2.86 2.50 4.18 3.80 3.20 3.82 5.65
Basic Earnings per Share		 $0.93 $1.01 $0.85 $1.48 $1.46 $1.36 $2.06 $1.94 $1.56 $1.83 $2.51
Weighted Average Basic Shares Outstanding		 6.60M 6.60M 6.80M 7.60M 7.50M 7.53M 7.56M 7.59M 7.63M 7.67M 9.38M
Diluted Earnings per Share		 $0.91 $0.98 $0.83 $1.45 $1.45 $1.35 $2.05 $1.92 $1.55 $1.81 $2.47
Weighted Average Diluted Shares Outstanding		 6.60M 6.60M 6.80M 7.60M 7.50M 7.53M 7.56M 7.59M 7.63M 7.67M 9.38M
Weighted Average Basic & Diluted Shares Outstanding		 6.60M 6.60M 6.80M 7.60M 7.50M 7.53M 7.56M 7.59M 7.63M 7.67M 9.38M
Cash Dividends to Common per Share		 - - - - - $0.44 $0.48 $0.52 $0.56 $0.58 $0.62

Quarterly Income Statements for First Community

This table shows First Community's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.76 3.30 2.60 3.27 3.86 4.23 4.00 5.19 5.19 4.83 5.50
Consolidated Net Income / (Loss)		 1.76 3.30 2.60 3.27 3.86 4.23 4.00 5.19 5.19 4.83 5.50
Net Income / (Loss) Continuing Operations		 1.76 3.30 2.60 3.27 3.86 4.23 4.00 5.19 5.19 4.83 5.50
Total Pre-Tax Income 		2.22 4.15 3.33 4.04 5.01 5.40 5.18 6.68 6.59 6.41 5.94
Total Revenue		 14 15 15 16 17 17 18 20 20 21 23
Net Interest Income / (Expense)		 12 12 12 13 13 14 14 15 16 16 18
Total Interest Income		 19 21 21 22 23 23 23 24 25 25 28
Loans and Leases Interest Income		 14 15 16 16 17 17 17 18 19 19 22
Investment Securities Interest Income		 4.60 4.56 4.55 4.47 4.33 4.16 4.15 4.32 4.33 4.13 4.12
Other Interest Income		 0.34 0.97 1.16 1.06 1.55 1.72 1.49 1.68 1.71 1.60 1.79
Total Interest Expense		 6.63 8.28 9.18 9.24 9.75 9.22 8.69 8.85 8.91 8.58 9.67
Deposits Interest Expense		 4.78 6.40 7.20 7.72 8.29 7.96 7.61 7.90 8.00 7.74 8.76
Federal Funds Purchased and Securities Sold Interest Expense		 0.45 0.49 0.61 0.50 0.51 0.57 0.81 0.68 0.64 0.58 0.66
Other Interest Expense		 1.41 1.39 1.37 1.02 0.96 0.68 0.27 0.27 0.27 0.26 0.25
Total Non-Interest Income		 1.86 2.93 3.18 3.64 3.57 3.61 3.98 4.21 4.47 4.29 4.79
Service Charges on Deposit Accounts		 0.24 0.27 0.26 0.24 0.23 0.23 0.22 0.22 0.24 0.23 0.22
Other Service Charges		 1.64 1.36 1.57 1.90 1.74 1.56 1.96 2.10 2.36 1.72 1.90
Investment Banking Income		 1.19 1.18 1.36 1.51 1.60 1.72 1.81 1.75 1.86 2.15 2.27
Other Non-Interest Income		 - - - - - - 0.00 - - - 0.40
Provision for Credit Losses		 0.47 0.40 0.13 0.45 -0.02 0.24 0.44 -0.24 0.20 0.37 0.19
Total Non-Interest Expense		 11 11 12 12 12 12 13 13 14 14 17
Salaries and Employee Benefits		 6.61 6.41 7.10 7.30 7.42 7.44 7.66 8.06 8.06 8.17 9.49
Net Occupancy & Equipment Expense		 1.19 1.18 1.12 1.06 1.18 1.19 1.17 1.16 1.17 1.20 1.20
Marketing Expense		 0.61 0.17 0.57 0.26 0.48 0.21 0.51 0.21 0.56 0.54 0.56
Property & Liability Insurance Claims		 0.21 0.29 0.28 0.30 0.29 0.31 0.30 0.27 0.29 0.26 0.27
Other Operating Expenses		 2.61 2.59 2.70 2.89 2.58 2.65 3.08 3.34 2.99 2.93 3.83
Amortization Expense		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.10
Restructuring Charge		 - - - - 0.00 - 0.00 - 0.58 - 1.58
Income Tax Expense		 0.46 0.85 0.73 0.77 1.15 1.17 1.18 1.50 1.40 1.58 0.44
Basic Earnings per Share		 $0.23 $0.43 $0.34 $0.43 $0.51 $0.55 $0.52 $0.68 $0.68 $0.63 $0.60
Weighted Average Basic Shares Outstanding		 7.60M 7.63M 7.63M 7.64M 7.64M 7.67M 7.68M 7.69M 7.69M 9.38M 9.40M
Diluted Earnings per Share		 $0.23 $0.44 $0.34 $0.42 $0.50 $0.55 $0.51 $0.67 $0.67 $0.62 $0.59
Weighted Average Diluted Shares Outstanding		 7.60M 7.63M 7.63M 7.64M 7.64M 7.67M 7.68M 7.69M 7.69M 9.38M 9.40M
Weighted Average Basic & Diluted Shares Outstanding		 7.60M 7.63M 7.63M 7.64M 7.64M 7.67M 7.68M 7.69M 7.69M 9.38M 9.40M
Cash Dividends to Common per Share		 $0.14 - $0.14 $0.14 $0.15 - $0.15 $0.15 $0.16 - $0.16

Annual Cash Flow Statements for First Community

This table details how cash moves in and out of First Community's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 0.41 -0.94 8.59 1.68 15 17 4.03 -32 57 55 11
Net Cash From Operating Activities		 15 5.14 18 20 4.83 -17 58 22 13 12 19
Net Cash From Continuing Operating Activities		 15 5.14 12 16 0.74 -21 56 24 15 14 21
Net Income / (Loss) Continuing Operations		 6.13 6.68 0.00 11 11 10 15 15 12 14 19
Consolidated Net Income / (Loss)		 6.13 6.68 - 11 11 10 15 15 12 14 19
Provision For Loan Losses		 1.14 0.77 0.53 0.35 0.14 3.66 0.34 -0.15 1.13 0.81 0.77
Depreciation Expense		 1.25 1.33 1.45 1.52 1.60 1.64 1.71 1.66 1.76 1.71 1.71
Amortization Expense		 4.60 4.36 3.61 2.81 -1.52 -1.65 0.20 0.16 -2.92 -3.60 0.16
Non-Cash Adjustments to Reconcile Net Income		 0.40 -3.63 0.16 1.49 -8.28 -34 38 9.17 1.60 -2.05 -0.71
Changes in Operating Assets and Liabilities, net		 0.99 -4.38 6.65 2.59 -2.17 -0.57 0.28 -1.24 2.03 3.17 0.36
Net Cash From Investing Activities		 -58 -52 9.00 -48 -49 -172 -236 -163 -90 -68 -81
Net Cash From Continuing Investing Activities		 -58 -52 -33 -48 -49 -172 -236 -141 -90 -68 -81
Purchase of Property, Leasehold Improvements and Equipment		 -2.67 -1.24 -3.07 -1.47 -2.79 -1.09 -0.81 -1.22 -1.07 -1.10 -1.11
Purchase of Investment Securities		 -75 -66 -32 -64 -113 -112 -272 -120 -8.61 -16 -43
Sale and/or Maturity of Investments		 65 74 84 88 85 48 54 74 73 36 54
Net Increase in Fed Funds Sold		 - - - - - - 0.00 22 - - 0.00
Other Investing Activities, net		 -45 -57 -40 -71 -18 -107 -19 -117 -153 -87 -91
Net Cash From Financing Activities		 44 45 -19 30 60 206 182 109 134 111 73
Net Cash From Continuing Financing Activities		 44 45 -19 30 59 206 182 85 134 111 73
Net Change in Deposits		 47 50 -4.87 37 63 201 172 24 126 165 74
Issuance of Debt		 33 74 26 79 82 34 0.00 118 267 0.00 0.00
Issuance of Common Equity		 0.00 - - 0.00 0.00 0.00 0.50 0.03 0.44 0.41 0.39
Repayment of Debt		 -37 -75 -36 -93 -82 -34 0.00 -68 -249 -90 0.00
Payment of Dividends		 -1.60 -1.83 -2.10 -2.67 -2.74 -3.20 -3.59 -3.91 -4.24 -4.42 -4.75
Other Financing Activities, Net		 3.55 -1.87 -1.51 8.71 5.12 7.80 13 15 -5.88 40 4.08
Cash Interest Paid		 3.47 3.10 2.80 3.59 5.47 4.26 3.31 3.06 21 33 34
Cash Income Taxes Paid		 2.22 1.35 1.90 2.22 2.41 3.04 5.10 3.89 3.57 3.76 5.50

Quarterly Cash Flow Statements for First Community

This table details how cash moves in and out of First Community's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 40 -2.76 49 -32 60 -22 50 -16 10 -33 57
Net Cash From Operating Activities		 3.02 9.30 4.70 -0.29 11 -3.81 6.47 -0.24 9.17 3.32 -2.39
Net Cash From Continuing Operating Activities		 2.81 9.82 6.75 -2.34 11 0.47 6.47 0.14 9.17 6.13 -2.39
Net Income / (Loss) Continuing Operations		 1.76 3.30 2.60 3.27 3.86 4.23 4.00 5.19 5.19 4.83 5.50
Consolidated Net Income / (Loss)		 1.76 3.30 2.60 3.27 3.86 4.23 4.00 5.19 5.19 4.83 5.50
Provision For Loan Losses		 0.47 0.40 0.13 0.45 -0.02 0.24 0.44 -0.24 0.20 0.37 0.19
Depreciation Expense		 0.45 0.44 0.42 0.44 0.42 0.42 0.42 0.43 0.43 0.43 0.45
Amortization Expense		 0.04 -3.04 0.04 -2.00 -0.83 0.04 -0.81 -1.80 -0.92 2.83 -0.80
Non-Cash Adjustments to Reconcile Net Income		 -1.13 5.39 3.55 -5.76 3.28 -2.29 2.64 -2.73 2.65 -2.01 3.71
Changes in Operating Assets and Liabilities, net		 1.22 3.33 0.01 1.26 4.08 -2.18 -0.22 -0.72 1.62 -0.32 -11
Net Cash From Investing Activities		 -13 -35 -11 -25 -0.33 -31 -32 -18 -11 -21 -0.91
Net Cash From Continuing Investing Activities		 -13 -35 -11 -25 -0.33 -31 -32 -18 -11 -21 -0.91
Purchase of Property, Leasehold Improvements and Equipment		 -0.26 -0.11 -0.28 -0.34 -0.18 -0.30 -0.20 -0.22 -0.12 -0.57 -0.10
Purchase of Investment Securities		 -0.10 -0.48 0.00 0.01 - -16 -10 -20 -13 - -17
Sale and/or Maturity of Investments		 47 7.66 13 7.27 7.39 8.72 9.72 11 22 12 59
Other Investing Activities, net		 -59 -42 -23 -32 -7.54 -24 -31 -8.09 -19 -32 -42
Net Cash From Financing Activities		 51 23 55 -6.82 50 14 75 1.40 12 -15 60
Net Cash From Continuing Financing Activities		 51 23 55 -6.75 50 21 75 1.36 12 -15 60
Net Change in Deposits		 71 19 67 26 40 32 50 28 17 -22 69
Issuance of Common Equity		 0.11 0.14 0.00 0.10 0.21 0.10 0.10 0.03 0.10 0.09 0.09
Repurchase of Common Equity		 - - - - - - 0.00 - - - -0.04
Payment of Dividends		 -1.06 -1.06 -1.06 -1.07 -1.14 -1.14 -1.15 -1.15 -1.23 -1.23 -1.50
Other Financing Activities, Net		 -4.93 -4.20 19 -22 7.26 44 27 -26 -4.36 7.58 -7.35
Cash Interest Paid		 5.57 7.28 8.70 4.27 10 10 8.37 9.41 9.17 6.83 9.45
Cash Income Taxes Paid		 0.93 0.12 -0.02 1.87 0.94 0.98 0.00 3.81 0.57 1.12 0.01

Annual Balance Sheets for First Community

This table presents First Community's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 863 915 1,051 1,092 1,170 1,395 1,585 1,673 1,828 1,958 2,058
Cash and Due from Banks		 11 12 15 14 15 19 22 24 28 26 24
Interest Bearing Deposits at Other Banks		 11 9.48 15 18 33 46 47 13 67 123 137
Trading Account Securities		 286 277 287 257 298 405 572 567 511 501 503
Loans and Leases, Net of Allowance		 485 541 641 712 730 834 853 970 1,122 1,207 1,297
Loans and Leases		 489 547 647 718 737 844 864 981 1,134 1,221 1,311
Allowance for Loan and Lease Losses		 4.60 5.21 5.80 6.26 6.63 10 11 11 12 13 14
Premises and Equipment, Net		 30 30 36 35 36 35 33 31 31 30 29
Goodwill		 5.08 5.08 15 15 15 15 15 15 15 15 15
Intangible Assets		 1.42 1.10 2.57 2.01 1.48 1.12 0.92 0.76 0.60 0.45 0.29
Other Assets		 33 38 39 38 43 41 43 53 55 54 52
Total Liabilities & Shareholders' Equity		 863 915 1,051 1,092 1,170 1,395 1,585 1,673 1,828 1,958 2,058
Total Liabilities		 784 833 945 979 1,050 1,259 1,444 1,555 1,697 1,814 1,890
Non-Interest Bearing Deposits		 156 183 227 245 290 386 445 461 432 463 467
Interest Bearing Deposits		 560 584 662 681 698 804 917 924 1,079 1,213 1,282
Short-Term Debt		 21 20 19 28 33 41 54 69 63 103 107
Long-Term Debt		 40 39 29 15 15 15 15 65 105 15 15
Other Long-Term Liabilities		 6.76 7.78 8.26 10 13 14 13 13 18 20 18
Total Equity & Noncontrolling Interests		 79 82 106 112 120 136 141 118 131 144 168
Total Preferred & Common Equity		 79 82 106 112 120 136 141 118 131 144 168
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 79 82 106 112 120 136 141 118 131 144 168
Common Stock		 82 83 102 103 98 99 100 100 101 101 103
Retained Earnings		 -3.99 0.57 4.07 12 20 26 38 49 56 66 80
Accumulated Other Comprehensive Income / (Loss)		 0.83 -1.24 -0.44 -2.33 2.49 11 3.28 -32 -28 -25 -18
Other Equity Adjustments		 -0.25 -0.17 -0.06 -0.12 -0.15 -0.28 -0.29 1.46 2.18 2.64 3.07

Quarterly Balance Sheets for First Community

This table presents First Community's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,794 1,887 1,885 1,944 2,039 2,046 2,067 2,392
Cash and Due from Banks		 28 21 25 27 27 32 30 35
Interest Bearing Deposits at Other Banks		 70 123 86 144 173 151 163 182
Trading Account Securities		 506 497 495 491 503 518 510 520
Loans and Leases, Net of Allowance		 1,080 1,145 1,176 1,184 1,238 1,247 1,266 1,531
Loans and Leases		 1,092 1,157 1,189 1,197 1,252 1,260 1,279 1,549
Allowance for Loan and Lease Losses		 12 12 13 13 14 13 13 18
Premises and Equipment, Net		 31 30 30 30 30 30 29 30
Goodwill		 15 15 15 15 15 15 15 29
Intangible Assets		 0.64 0.56 0.53 0.49 0.41 0.37 0.33 2.79
Other Assets		 58 56 56 52 54 53 53 61
Total Liabilities & Shareholders' Equity		 1,794 1,887 1,885 1,944 2,039 2,046 2,067 2,392
Total Liabilities		 1,670 1,753 1,749 1,800 1,889 1,891 1,905 2,171
Non-Interest Bearing Deposits		 451 443 460 441 469 476 483 544
Interest Bearing Deposits		 1,041 1,135 1,144 1,203 1,257 1,278 1,288 1,504
Short-Term Debt		 67 82 59 67 130 104 100 100
Long-Term Debt		 95 75 65 65 15 15 15 15
Other Long-Term Liabilities		 16 19 20 21 19 18 19 7.65
Total Equity & Noncontrolling Interests		 122 133 136 143 150 156 162 221
Total Preferred & Common Equity		 124 133 136 143 150 156 162 221
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 122 133 136 143 150 156 162 221
Common Stock		 101 101 101 101 102 102 103 153
Retained Earnings		 54 58 60 63 69 73 77 84
Accumulated Other Comprehensive Income / (Loss)		 -33 -27 -27 -23 -23 -22 -20 -19
Other Equity Adjustments		 - 1.92 2.16 2.40 1.94 2.24 2.54 2.01

Annual Metrics And Ratios for First Community

This table displays calculated financial ratios and metrics derived from First Community's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 6,684,563.00 6,703,317.00 6,706,406.00 7,629,638.00 7,422,474.00 7,492,908.00 7,544,374.00 7,572,517.00 7,599,415.00 - 7,689,694.00
DEI Adjusted Shares Outstanding		 6,684,563.00 6,703,317.00 6,706,406.00 7,629,638.00 7,422,474.00 7,492,908.00 7,544,374.00 7,572,517.00 7,599,415.00 - 7,689,694.00
DEI Earnings Per Adjusted Shares Outstanding		 0.92 1.00 0.87 1.47 1.48 1.35 2.05 1.93 1.56 - 2.50
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.13% 3.45% 10.27% 18.85% 4.73% 10.72% 10.02% 0.56% -0.33% 11.35% 19.57%
EBITDA Growth		 17.65% 1.99% -2.30% 28.45% -23.78% -9.56% 71.41% -6.17% -31.42% 15.78% 68.41%
EBIT Growth		 18.30% 5.31% 3.35% 52.25% -0.68% -8.92% 55.99% -6.29% -18.31% 18.15% 39.89%
NOPAT Growth		 19.64% 9.06% -12.98% 93.10% -2.30% -7.95% 53.13% -5.51% -18.96% 17.83% 37.62%
Net Income Growth		 19.64% 9.06% -12.98% 93.10% -2.30% -7.95% 53.13% -5.51% -18.96% 17.83% 37.62%
EPS Growth		 16.67% 7.69% -15.31% 74.70% 0.00% -6.90% 51.85% -6.34% -19.27% 16.77% 36.46%
Operating Cash Flow Growth		 20.83% -64.61% 257.37% 8.84% -75.84% -453.29% 439.83% -61.81% -41.15% -11.08% 60.78%
Free Cash Flow Firm Growth		 357.08% 146.10% -229.86% 221.61% -120.49% -579.34% 81.43% -991.95% -28.22% 243.74% -115.79%
Invested Capital Growth		 2.67% 0.40% 9.80% 1.02% 8.32% 13.96% 9.35% 19.93% 18.57% -12.15% 10.34%
Revenue Q/Q Growth		 0.32% 1.59% 4.44% 0.00% 0.00% 5.50% -0.51% 1.86% -1.09% 3.51% 4.14%
EBITDA Q/Q Growth		 2.13% -0.35% -1.57% 284.65% 252.10% 59.47% 1.46% 0.72% -22.58% 6.67% 3.50%
EBIT Q/Q Growth		 1.28% 0.79% -1.40% 0.00% 0.00% 16.03% -0.97% 1.03% -6.30% 7.57% 4.23%
NOPAT Q/Q Growth		 1.57% 2.94% -18.16% 0.00% 0.00% 7.90% 3.22% 0.86% -5.93% 7.18% 3.21%
Net Income Q/Q Growth		 1.57% 2.94% -18.16% 0.00% 0.00% 7.90% 3.22% 0.86% -5.93% 7.18% 3.21%
EPS Q/Q Growth		 0.00% 2.08% -19.42% 25.00% 2.11% 0.00% 0.00% 0.52% -5.49% 6.47% 2.92%
Operating Cash Flow Q/Q Growth		 1.47% -53.72% 79.82% 13.01% -53.16% -22.06% 9.57% 1.67% 61.34% -53.12% 69.33%
Free Cash Flow Firm Q/Q Growth		 -5.04% 11.89% -159.97% 139.71% 74.18% 24.04% 29.95% -206.47% 50.31% 113.48% -144.92%
Invested Capital Q/Q Growth		 -1.12% -1.43% 13.11% -3.05% 0.23% -1.60% -1.74% 24.31% 4.60% -4.59% 4.91%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.66% 41.07% 36.39% 39.33% 28.63% 23.38% 36.43% 34.00% 23.39% 29.73% 33.85%
EBIT Margin		 24.56% 25.00% 23.43% 30.01% 28.46% 23.41% 33.20% 30.94% 25.36% 26.91% 31.48%
Profit (Net Income) Margin		 17.91% 18.88% 14.90% 24.20% 22.58% 18.77% 26.13% 24.55% 19.97% 21.13% 24.32%
Tax Burden Percent		 72.91% 75.51% 63.59% 80.65% 79.33% 80.18% 78.71% 79.37% 78.74% 78.53% 77.26%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.09% 24.49% 36.41% 19.35% 20.67% 19.82% 21.29% 20.63% 21.26% 21.47% 22.74%
Return on Invested Capital (ROIC)		 4.44% 4.77% 3.95% 7.25% 6.76% 5.60% 7.69% 6.32% 4.30% 4.97% 6.95%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.44% 4.77% 3.95% 7.25% 6.76% 5.60% 7.69% 6.32% 4.30% 4.97% 6.95%
Return on Net Nonoperating Assets (RNNOA)		 3.54% 3.54% 2.25% 3.05% 2.67% 2.28% 3.47% 4.95% 5.20% 5.16% 5.35%
Return on Equity (ROE)		 7.98% 8.31% 6.20% 10.29% 9.43% 7.87% 11.15% 11.27% 9.50% 10.13% 12.31%
Cash Return on Invested Capital (CROIC)		 1.80% 4.37% -5.40% 6.24% -1.22% -7.45% -1.24% -11.80% -12.70% 17.91% -2.87%
Operating Return on Assets (OROA)		 1.00% 1.00% 0.93% 1.30% 1.22% 0.98% 1.32% 1.13% 0.86% 0.94% 1.24%
Return on Assets (ROA)		 0.73% 0.75% 0.59% 1.05% 0.97% 0.79% 1.04% 0.90% 0.68% 0.74% 0.96%
Return on Common Equity (ROCE)		 7.98% 8.31% 6.20% 10.29% 9.43% 7.87% 11.15% 11.27% 9.50% 10.13% 12.31%
Return on Equity Simple (ROE_SIMPLE)		 7.75% 8.16% 5.50% 9.98% 9.13% 7.41% 10.97% 12.35% 9.04% 9.66% 11.46%
Net Operating Profit after Tax (NOPAT)		 6.13 6.68 5.82 11 11 10 15 15 12 14 19
NOPAT Margin		 17.91% 18.88% 14.90% 24.20% 22.58% 18.77% 26.13% 24.55% 19.97% 21.13% 24.32%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 55.53% 56.73% 55.82% 52.44% 54.68% 53.94% 50.54% 52.02% 54.09% 53.48% 48.71%
Operating Expenses to Revenue		 72.12% 72.82% 75.21% 69.24% 71.25% 69.78% 66.24% 69.32% 72.74% 71.87% 67.54%
Earnings before Interest and Taxes (EBIT)		 8.40 8.85 9.15 14 14 13 20 18 15 18 25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 15 14 18 14 13 22 20 14 20 27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.02 1.22 1.20 1.13 1.17 0.84 1.03 1.31 1.17 1.26 1.35
Price to Tangible Book Value (P/TBV)		 1.11 1.32 1.44 1.32 1.35 0.95 1.16 1.51 1.32 1.41 1.48
Price to Revenue (P/Rev)		 2.35 2.82 3.26 2.73 2.89 2.13 2.46 2.61 2.59 2.76 2.86
Price to Earnings (P/E)		 13.14 14.95 21.88 11.28 12.78 11.36 9.42 10.64 12.95 13.06 11.75
Dividend Yield		 2.32% 2.15% 1.90% 2.41% 2.33% 3.13% 2.49% 2.53% 2.77% 2.43% 2.11%
Earnings Yield		 7.61% 6.69% 4.57% 8.86% 7.82% 8.80% 10.62% 9.40% 7.72% 7.66% 8.51%
Enterprise Value to Invested Capital (EV/IC)		 0.85 0.97 0.94 0.88 0.84 0.55 0.69 1.00 0.76 0.57 0.64
Enterprise Value to Revenue (EV/Rev)		 3.46 3.85 3.72 2.97 2.90 1.96 2.46 4.23 3.82 2.28 2.36
Enterprise Value to EBITDA (EV/EBITDA)		 8.30 9.38 10.22 7.54 10.14 8.40 6.76 12.45 16.32 7.67 6.98
Enterprise Value to EBIT (EV/EBIT)		 14.09 15.41 15.87 9.88 10.20 8.39 7.42 13.68 15.06 8.47 7.51
Enterprise Value to NOPAT (EV/NOPAT)		 19.32 20.41 24.96 12.26 12.85 10.46 9.43 17.23 19.13 10.79 9.72
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.16 26.56 7.91 6.89 29.22 0.00 2.52 11.38 17.40 13.85 9.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 47.61 22.29 0.00 14.24 0.00 0.00 0.00 0.00 0.00 2.99 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.77 0.71 0.46 0.38 0.40 0.41 0.49 1.13 1.28 0.82 0.73
Long-Term Debt to Equity		 0.50 0.48 0.28 0.14 0.13 0.11 0.11 0.55 0.80 0.10 0.09
Financial Leverage		 0.80 0.74 0.57 0.42 0.39 0.41 0.45 0.78 1.21 1.04 0.77
Leverage Ratio		 10.91 11.05 10.48 9.82 9.72 10.00 10.74 12.56 14.04 13.74 12.87
Compound Leverage Factor		 10.91 11.05 10.48 9.82 9.72 10.00 10.74 12.56 14.04 13.74 12.87
Debt to Total Capital		 43.47% 41.69% 31.45% 27.75% 28.74% 29.07% 32.92% 53.04% 56.15% 44.97% 42.16%
Short-Term Debt to Total Capital		 15.04% 13.91% 12.50% 18.00% 19.74% 21.29% 25.80% 27.27% 21.03% 39.27% 37.00%
Long-Term Debt to Total Capital		 28.43% 27.78% 18.95% 9.76% 9.00% 7.79% 7.12% 25.77% 35.12% 5.70% 5.17%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 56.53% 58.31% 68.55% 72.25% 71.26% 70.93% 67.09% 46.96% 43.85% 55.03% 57.84%
Debt to EBITDA		 4.26 4.03 3.41 2.37 3.49 4.44 3.21 6.61 12.09 6.01 4.57
Net Debt to EBITDA		 2.65 2.51 1.26 0.60 0.06 -0.72 0.01 4.76 5.27 -1.62 -1.46
Long-Term Debt to EBITDA		 2.79 2.68 2.06 0.83 1.09 1.19 0.69 3.21 7.56 0.76 0.56
Debt to NOPAT		 9.92 8.76 8.34 3.85 4.42 5.53 4.47 9.15 14.17 8.46 6.36
Net Debt to NOPAT		 6.18 5.47 3.08 0.98 0.07 -0.90 0.01 6.59 6.18 -2.28 -2.03
Long-Term Debt to NOPAT		 6.49 5.84 5.02 1.35 1.38 1.48 0.97 4.45 8.86 1.07 0.78
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2.49 6.12 -7.95 9.66 -1.98 -13 -2.50 -27 -35 50 -7.94
Operating Cash Flow to CapEx		 542.96% 415.12% 597.36% 6,241.56% 193.62% -1,568.17% 0.00% 7,424.50% 1,215.69% 990.98% 1,683.69%
Free Cash Flow to Firm to Interest Expense		 0.73 2.01 -2.88 2.43 -0.34 -3.58 -1.11 -8.59 -1.47 1.34 -0.23
Operating Cash Flow to Interest Expense		 4.27 1.69 6.64 5.02 0.83 -4.54 25.85 6.97 0.55 0.29 0.53
Operating Cash Flow Less CapEx to Interest Expense		 3.49 1.28 5.53 4.94 0.40 -4.83 26.12 6.88 0.50 0.26 0.50
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04
Fixed Asset Turnover		 1.17 1.18 1.18 1.31 1.38 1.52 1.74 1.86 1.92 2.18 2.66
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 140 140 154 156 169 192 210 252 299 263 290
Invested Capital Turnover		 0.25 0.25 0.27 0.30 0.30 0.30 0.29 0.26 0.22 0.24 0.29
Increase / (Decrease) in Invested Capital		 3.64 0.56 14 1.57 13 24 18 42 47 -36 27
Enterprise Value (EV)		 118 136 145 138 141 106 146 252 227 151 187
Market Capitalization		 81 100 127 127 140 115 146 156 153 182 226
Book Value per Share		 $11.82 $12.21 $15.76 $14.74 $16.19 $18.20 $18.69 $15.63 $17.25 $18.91 $21.79
Tangible Book Value per Share		 $10.85 $11.29 $13.20 $12.56 $14.02 $16.09 $16.63 $13.60 $15.24 $16.94 $19.85
Total Capital		 140 140 154 156 169 192 210 252 299 263 290
Total Debt		 61 59 48 43 48 56 69 134 168 118 122
Total Long-Term Debt		 40 39 29 15 15 15 15 65 105 15 15
Net Debt		 38 37 18 11 0.78 -9.11 0.16 96 73 -32 -39
Capital Expenditures (CapEx)		 2.67 1.24 3.07 0.32 2.49 1.09 -0.60 0.30 1.07 1.10 1.11
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 61 59 48 43 48 56 69 134 168 118 122
Total Depreciation and Amortization (D&A)		 5.85 5.69 5.06 4.33 0.08 -0.02 1.92 1.82 -1.16 1.86 1.87
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.93 $1.01 $0.85 $1.48 $1.46 $1.36 $2.06 $1.94 $1.56 $1.83 $2.51
Adjusted Weighted Average Basic Shares Outstanding		 6.69M 6.71M 7.59M 7.66M 7.46M 7.53M 7.56M 7.59M 7.63M 7.67M 9.38M
Adjusted Diluted Earnings per Share		 $0.91 $0.98 $0.83 $1.45 $1.45 $1.35 $2.05 $1.92 $1.55 $1.81 $2.47
Adjusted Weighted Average Diluted Shares Outstanding		 6.69M 6.71M 7.59M 7.66M 7.46M 7.53M 7.56M 7.59M 7.63M 7.67M 9.38M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.46 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.69M 6.71M 7.59M 7.66M 7.46M 7.53M 7.56M 7.59M 7.63M 7.67M 9.38M
Normalized Net Operating Profit after Tax (NOPAT)		 6.13 6.68 6.42 11 11 10 15 15 12 14 20
Normalized NOPAT Margin		 17.91% 18.88% 16.44% 24.20% 22.58% 18.77% 26.13% 24.55% 19.97% 21.13% 25.56%
Pre Tax Income Margin		 24.56% 25.00% 23.43% 30.01% 28.46% 23.41% 33.20% 30.94% 25.36% 26.91% 31.48%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.47 2.90 3.31 3.50 2.39 3.35 8.77 5.80 0.63 0.48 0.71
NOPAT to Interest Expense		 1.80 2.19 2.11 2.82 1.90 2.69 6.90 4.60 0.50 0.37 0.55
EBIT Less CapEx to Interest Expense		 1.69 2.50 2.20 3.42 1.96 3.06 9.04 5.71 0.59 0.45 0.68
NOPAT Less CapEx to Interest Expense		 1.02 1.79 0.99 2.74 1.47 2.40 7.17 4.51 0.45 0.34 0.52
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.18% 27.34% 36.13% 23.79% 24.94% 31.70% 23.23% 26.78% 35.76% 31.64% 24.73%
Augmented Payout Ratio		 26.18% 27.34% 36.13% 23.79% 76.31% 31.70% 23.23% 26.78% 35.76% 31.64% 24.73%

Quarterly Metrics And Ratios for First Community

This table displays calculated financial ratios and metrics derived from First Community's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 7,593,759.00 7,599,415.00 7,629,005.00 7,629,005.00 7,635,145.00 - 7,671,056.00 7,681,601.00 7,685,754.00 7,689,694.00 9,384,045.00
DEI Adjusted Shares Outstanding		 7,593,759.00 7,599,415.00 7,629,005.00 7,629,005.00 7,635,145.00 - 7,671,056.00 7,681,601.00 7,685,754.00 7,689,694.00 9,384,045.00
DEI Earnings Per Adjusted Shares Outstanding		 0.23 0.43 0.34 0.43 0.51 - 0.52 0.68 0.68 0.63 0.59
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -9.70% -4.11% 2.20% 7.56% 21.59% 14.71% 20.39% 19.55% 20.50% 17.96% 26.06%
EBITDA Growth		 -50.62% -72.33% -32.87% -37.57% 69.76% 26.52% 26.65% 114.43% 32.59% 93.27% 16.29%
EBIT Growth		 -55.88% -19.62% -24.83% -4.90% 125.54% 30.14% 55.73% 65.49% 31.58% 18.70% 14.55%
NOPAT Growth		 -55.56% -18.45% -25.01% -1.86% 119.87% 28.36% 53.91% 58.84% 34.47% 14.13% 37.55%
Net Income Growth		 -55.56% -18.45% -25.01% -1.86% 119.87% 28.36% 53.91% 58.84% 34.47% 14.13% 37.55%
EPS Growth		 -55.77% -16.98% -24.44% -2.33% 117.39% 25.00% 50.00% 59.52% 34.00% 12.73% 15.69%
Operating Cash Flow Growth		 -66.66% 113.71% 18.20% 91.11% 257.15% -144.78% 37.66% 19.18% -15.07% 192.76% -136.92%
Free Cash Flow Firm Growth		 -638.52% -14.99% -293.21% -254.10% 117.72% 193.17% 99.72% 93.98% -70.43% -155.02% -7,797.99%
Invested Capital Growth		 40.92% 18.57% 122.41% 124.09% -3.68% -12.15% 1.53% 5.25% 0.34% 10.34% 13.87%
Revenue Q/Q Growth		 -8.04% 9.01% 0.23% 7.04% 3.95% 2.84% 5.19% 6.30% 4.78% 0.68% 12.41%
EBITDA Q/Q Growth		 -31.86% -42.84% -18.14% -34.54% 85.29% 7.15% -4.08% -5.74% 14.57% 58.67% -42.28%
EBIT Q/Q Growth		 -47.73% 86.80% -19.77% 21.40% 23.97% 7.79% -4.00% 29.01% -1.44% -2.76% -7.35%
NOPAT Q/Q Growth		 -47.22% 87.76% -21.23% 25.72% 18.25% 9.61% -5.55% 29.75% 0.12% -6.97% 13.83%
Net Income Q/Q Growth		 -47.22% 87.76% -21.23% 25.72% 18.25% 9.61% -5.55% 29.75% 0.12% -6.97% 13.83%
EPS Q/Q Growth		 -46.51% 91.30% -22.73% 23.53% 19.05% 10.00% -7.27% 31.37% 0.00% -7.46% -4.84%
Operating Cash Flow Q/Q Growth		 192.05% 207.84% -44.74% -106.21% 3,796.23% -137.09% 280.86% -103.67% 3,983.90% -63.78% -171.99%
Free Cash Flow Firm Q/Q Growth		 -188.79% 46.41% -261.14% 10.32% 110.21% 181.79% -101.10% -1,794.87% 150.12% -624.37% -58.58%
Invested Capital Q/Q Growth		 145.87% 4.60% -2.88% -10.29% 5.68% -4.59% 12.25% -7.00% 0.75% 4.91% 15.85%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 19.39% 10.17% 24.83% 15.19% 27.07% 33.54% 26.13% 27.24% 29.79% 46.94% 24.10%
EBIT Margin		 15.89% 27.24% 21.80% 24.72% 29.48% 30.90% 28.20% 34.22% 32.19% 31.09% 25.63%
Profit (Net Income) Margin		 12.57% 21.65% 17.02% 19.99% 22.74% 24.23% 21.76% 26.55% 25.37% 23.44% 23.74%
Tax Burden Percent		 79.10% 79.50% 78.06% 80.84% 77.11% 78.41% 77.15% 77.59% 78.81% 75.40% 92.64%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.90% 20.50% 21.94% 19.16% 22.89% 21.59% 22.85% 22.41% 21.19% 24.60% 7.36%
Return on Invested Capital (ROIC)		 3.09% 4.66% 4.82% 6.45% 5.17% 5.70% 5.14% 7.19% 6.98% 6.70% 6.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.09% 4.66% 4.82% 6.45% 5.17% 5.70% 5.14% 7.19% 6.98% 6.70% 6.31%
Return on Net Nonoperating Assets (RNNOA)		 3.31% 5.64% 3.07% 2.88% 5.78% 5.91% 5.47% 5.98% 5.64% 5.16% 4.42%
Return on Equity (ROE)		 6.39% 10.30% 7.90% 9.33% 10.95% 11.62% 10.62% 13.17% 12.62% 11.87% 10.73%
Cash Return on Invested Capital (CROIC)		 -28.81% -12.70% -70.72% -70.78% 8.40% 17.91% 3.73% 1.35% 6.41% -2.87% -6.40%
Operating Return on Assets (OROA)		 0.55% 0.92% 0.72% 0.83% 1.01% 1.08% 0.99% 1.26% 1.22% 1.22% 0.97%
Return on Assets (ROA)		 0.44% 0.73% 0.56% 0.67% 0.78% 0.85% 0.77% 0.98% 0.96% 0.92% 0.90%
Return on Common Equity (ROCE)		 6.39% 10.30% 7.90% 9.33% 10.95% 11.62% 10.62% 13.17% 12.62% 11.87% 10.73%
Return on Equity Simple (ROE_SIMPLE)		 10.19% 0.00% 8.22% 8.02% 9.09% 0.00% 10.24% 11.11% 11.52% 0.00% 9.38%
Net Operating Profit after Tax (NOPAT)		 1.76 3.30 2.60 3.27 3.86 4.23 4.00 5.19 5.19 4.83 5.50
NOPAT Margin		 12.57% 21.65% 17.02% 19.99% 22.74% 24.23% 21.76% 26.55% 25.37% 23.44% 23.74%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 60.24% 50.95% 57.58% 52.74% 53.49% 50.58% 50.83% 48.28% 47.82% 48.11% 48.57%
Operating Expenses to Revenue		 80.71% 70.14% 77.35% 72.50% 70.61% 67.71% 69.42% 66.99% 66.82% 67.11% 73.54%
Earnings before Interest and Taxes (EBIT)		 2.22 4.15 3.33 4.04 5.01 5.40 5.18 6.68 6.59 6.41 5.94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.71 1.55 3.79 2.48 4.60 5.86 4.80 5.32 6.10 9.67 5.58
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.04 1.17 0.96 0.94 1.11 1.26 1.12 1.20 1.33 1.35 1.24
Price to Tangible Book Value (P/TBV)		 1.19 1.32 1.09 1.05 1.24 1.41 1.25 1.32 1.47 1.48 1.45
Price to Revenue (P/Rev)		 2.11 2.59 2.16 2.10 2.49 2.76 2.43 2.57 2.84 2.86 3.26
Price to Earnings (P/E)		 10.03 12.95 11.71 11.68 12.19 13.06 10.95 10.77 11.59 11.75 13.18
Dividend Yield		 3.31% 2.77% 3.32% 3.35% 2.74% 2.43% 2.69% 2.48% 2.17% 2.11% 2.17%
Earnings Yield		 9.97% 7.72% 8.54% 8.56% 8.21% 7.66% 9.14% 9.28% 8.63% 8.51% 7.59%
Enterprise Value to Invested Capital (EV/IC)		 0.67 0.76 0.49 0.54 0.43 0.57 0.38 0.44 0.49 0.64 0.51
Enterprise Value to Revenue (EV/Rev)		 3.19 3.82 2.38 2.31 1.87 2.28 1.63 1.68 1.80 2.36 2.03
Enterprise Value to EBITDA (EV/EBITDA)		 10.66 16.32 9.39 10.30 7.68 7.67 6.69 4.98 5.29 6.98 6.17
Enterprise Value to EBIT (EV/EBIT)		 11.90 15.06 10.17 10.21 7.21 8.47 5.76 5.44 5.73 7.51 6.62
Enterprise Value to NOPAT (EV/NOPAT)		 15.17 19.13 12.92 12.85 9.15 10.79 7.36 7.02 7.34 9.72 8.19
Enterprise Value to Operating Cash Flow (EV/OCF)		 23.67 17.40 10.95 8.80 5.02 13.85 8.43 9.57 12.37 9.99 17.27
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 5.06 2.99 10.36 33.66 7.73 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.33 1.28 1.17 0.91 0.92 0.82 0.97 0.76 0.71 0.73 0.52
Long-Term Debt to Equity		 0.78 0.80 0.56 0.48 0.45 0.10 0.10 0.10 0.09 0.09 0.07
Financial Leverage		 1.07 1.21 0.64 0.45 1.12 1.04 1.06 0.83 0.81 0.77 0.70
Leverage Ratio		 14.61 14.04 14.09 13.93 14.10 13.74 13.85 13.48 13.15 12.87 11.95
Compound Leverage Factor		 14.61 14.04 14.09 13.93 14.10 13.74 13.85 13.48 13.15 12.87 11.95
Debt to Total Capital		 57.13% 56.15% 54.01% 47.71% 47.93% 44.97% 49.12% 43.27% 41.49% 42.16% 34.21%
Short-Term Debt to Total Capital		 23.67% 21.03% 28.19% 22.76% 24.32% 39.27% 44.04% 37.81% 36.07% 37.00% 29.75%
Long-Term Debt to Total Capital		 33.46% 35.12% 25.82% 24.95% 23.61% 5.70% 5.08% 5.46% 5.42% 5.17% 4.46%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 42.87% 43.85% 45.99% 52.29% 52.07% 55.03% 50.88% 56.73% 58.51% 57.84% 65.79%
Debt to EBITDA		 9.05 12.09 10.38 9.13 8.51 6.01 8.58 4.88 4.44 4.57 4.17
Net Debt to EBITDA		 3.61 5.27 0.88 0.94 -2.56 -1.62 -3.26 -2.67 -3.06 -1.46 -3.75
Long-Term Debt to EBITDA		 5.30 7.56 4.96 4.77 4.19 0.76 0.89 0.62 0.58 0.56 0.54
Debt to NOPAT		 12.88 14.17 14.28 11.38 10.13 8.46 9.43 6.87 6.16 6.36 5.54
Net Debt to NOPAT		 5.14 6.18 1.20 1.17 -3.04 -2.28 -3.59 -3.75 -4.25 -2.03 -4.98
Long-Term Debt to NOPAT		 7.54 8.86 6.83 5.95 4.99 1.07 0.97 0.87 0.80 0.78 0.72
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -81 -44 -157 -141 14 41 -0.45 -8.49 4.26 -22 -35
Operating Cash Flow to CapEx		 1,185.10% 8,860.00% 1,685.30% -85.38% 6,029.61% -1,282.83% 3,236.50% -108.26% 7,513.11% 582.46% -2,489.58%
Free Cash Flow to Firm to Interest Expense		 -12.25 -5.26 -17.12 -15.26 1.48 4.40 -0.05 -0.96 0.48 -2.60 -3.66
Operating Cash Flow to Interest Expense		 0.46 1.12 0.51 -0.03 1.11 -0.41 0.74 -0.03 1.03 0.39 -0.25
Operating Cash Flow Less CapEx to Interest Expense		 0.42 1.11 0.48 -0.07 1.09 -0.45 0.72 -0.05 1.02 0.32 -0.26
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.91 1.92 1.93 1.98 2.09 2.18 2.30 2.42 2.56 2.66 2.82
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 286 299 290 260 275 263 295 274 276 290 336
Invested Capital Turnover		 0.25 0.22 0.28 0.32 0.23 0.24 0.24 0.27 0.28 0.29 0.27
Increase / (Decrease) in Invested Capital		 83 47 160 144 -11 -36 4.45 14 0.94 27 41
Enterprise Value (EV)		 191 227 142 140 119 151 113 121 137 187 170
Market Capitalization		 126 153 129 127 159 182 168 186 216 226 273
Book Value per Share		 $16.02 $17.25 $17.50 $17.85 $18.77 $18.91 $19.55 $20.24 $21.02 $21.79 $23.53
Tangible Book Value per Share		 $14.01 $15.24 $15.51 $15.86 $16.79 $16.94 $17.59 $18.29 $19.07 $19.85 $20.10
Total Capital		 284 299 290 260 275 263 295 274 276 290 336
Total Debt		 162 168 157 124 132 118 145 119 115 122 115
Total Long-Term Debt		 95 105 75 65 65 15 15 15 15 15 15
Net Debt		 65 73 13 13 -40 -32 -55 -65 -79 -39 -103
Capital Expenditures (CapEx)		 0.26 0.11 0.28 0.34 0.18 0.30 0.20 0.22 0.12 0.57 0.10
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 164 168 157 124 132 118 145 119 115 122 115
Total Depreciation and Amortization (D&A)		 0.49 -2.60 0.46 -1.56 -0.41 0.46 -0.38 -1.36 -0.49 3.27 -0.35
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.23 $0.43 $0.34 $0.43 $0.51 $0.55 $0.52 $0.68 $0.68 $0.63 $0.60
Adjusted Weighted Average Basic Shares Outstanding		 7.60M 7.63M 7.63M 7.64M 7.64M 7.67M 7.68M 7.69M 7.69M 9.38M 9.40M
Adjusted Diluted Earnings per Share		 $0.23 $0.44 $0.34 $0.42 $0.50 $0.55 $0.51 $0.67 $0.67 $0.62 $0.59
Adjusted Weighted Average Diluted Shares Outstanding		 7.60M 7.63M 7.63M 7.64M 7.64M 7.67M 7.68M 7.69M 7.69M 9.38M 9.40M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.60M 7.63M 7.63M 7.64M 7.64M 7.67M 7.68M 7.69M 7.69M 9.38M 9.40M
Normalized Net Operating Profit after Tax (NOPAT)		 1.76 3.30 2.60 3.27 3.86 4.23 4.00 5.19 5.65 4.83 6.96
Normalized NOPAT Margin		 12.57% 21.65% 17.02% 19.99% 22.74% 24.23% 21.76% 26.55% 27.59% 23.44% 30.06%
Pre Tax Income Margin		 15.89% 27.24% 21.80% 24.72% 29.48% 30.90% 28.20% 34.22% 32.19% 31.09% 25.63%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.33 0.50 0.36 0.44 0.51 0.59 0.60 0.76 0.74 0.75 0.61
NOPAT to Interest Expense		 0.26 0.40 0.28 0.35 0.40 0.46 0.46 0.59 0.58 0.56 0.57
EBIT Less CapEx to Interest Expense		 0.30 0.49 0.33 0.40 0.50 0.55 0.57 0.73 0.73 0.68 0.60
NOPAT Less CapEx to Interest Expense		 0.23 0.39 0.25 0.32 0.38 0.43 0.44 0.56 0.57 0.50 0.56
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.00% 35.76% 38.64% 38.92% 33.27% 31.64% 29.31% 26.52% 25.08% 24.73% 24.62%
Augmented Payout Ratio		 33.00% 35.76% 38.64% 38.92% 33.27% 31.64% 29.31% 26.52% 25.08% 24.73% 24.62%

Financials Breakdown Chart

Key Financial Trends

First Community Corp. (NASDAQ: FCCO) showed a notably stronger first quarter in 2026 versus the prior quarter and versus the same period a year ago. Revenue, profitability, and balance sheet size all moved higher, but the quarter also featured a large drop in operating cash flow, which investors should watch closely.

  • Net income rose to $5.5 million in Q1 2026, up from $4.8 million in Q4 2025 and $4.0 million in Q1 2025.
  • Revenue increased to $23.2 million from $20.6 million in Q4 2025 and $18.4 million in Q1 2025, helped by both higher net interest income and non-interest income.
  • Net interest income improved to $18.4 million, up from $16.3 million in Q4 2025, reflecting stronger earning asset performance.
  • Total assets grew to $2.39 billion from $2.07 billion at Q3 2025 and $2.04 billion at Q2 2025, indicating meaningful balance sheet expansion.
  • Loan growth remained strong, with loans and leases reaching $1.55 billion in Q1 2026 versus $1.28 billion in Q3 2025 and $1.25 billion in Q1 2025.
  • Deposits increased sharply to $2.05 billion, up from $1.77 billion in Q3 2025 and $1.73 billion in Q1 2025, supporting funding growth.
  • Book equity improved to $220.8 million from $161.6 million in Q3 2025 and $150.0 million in Q1 2025.
  • Dividend coverage appears manageable at $0.16 per share in Q1 2026, with quarterly earnings of $0.59 per diluted share.
  • Operating cash flow was negative at $2.4 million in Q1 2026, down sharply from positive $6.1 million in Q4 2025 and $6.5 million in Q1 2025.
  • Short-term debt rose to $99.8 million from $66.9 million in Q3 2025, which adds some balance sheet leverage risk.

From a profitability standpoint, FCCO is trending in the right direction. The company’s quarterly earnings have steadily improved over the past year, and Q1 2026 continued that pattern. Net interest income benefited from growth in loans and deposits, while non-interest income also improved.

At the same time, the cash flow statement deserves caution. Despite solid earnings, operating cash flow turned negative in the latest quarter, largely due to changes in operating assets and liabilities. For bank investors, that does not automatically signal distress, but it is a sign to monitor liquidity and deposit trends closely.

Overall, FCCO appears to be growing profitably, with a larger balance sheet and stronger earnings than a year ago. The main risk in the latest quarter is the weaker cash generation and the continued reliance on funding and leverage to support growth.

07/06/26 07:35 AM ETAI Generated. May Contain Errors.

First Community Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Community's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

First Community's net income appears to be on an upward trend, with a most recent value of $19.21 million in 2025, rising from $6.13 million in 2015. The previous period was $13.96 million in 2024. See First Community's forecast for analyst expectations on what's next for the company.

Over the last 10 years, First Community's total revenue changed from $34.22 million in 2015 to $78.97 million in 2025, a change of 130.8%.

First Community's total liabilities were at $1.89 billion at the end of 2025, a 4.2% increase from 2024, and a 141.2% increase since 2015.

In the past 10 years, First Community's cash and equivalents has ranged from $10.97 million in 2015 to $27.91 million in 2023, and is currently $23.88 million as of their latest financial filing in 2025.

Over the last 10 years, First Community's book value per share changed from 11.82 in 2015 to 21.79 in 2025, a change of 84.3%.


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Financial statements for NASDAQ:FCCO last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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