First Community (FCCO)


Market Price (10/23/2026): $32.99 | Market Cap: $309.0 MilSector: Financials | Industry: Regional Banks

First Community (FCCO)


Market Price (10/23/2026): $32.99
Market Cap: $309.0 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -48%

Low stock price volatility
Vol 12M is 20%

Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 41x

Key risks
FCCO key risks include its loan concentrations in [1] Commercial Real Estate (CRE) and [2] Small-to-Medium Business (SMB).

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -48%
2 Low stock price volatility
Vol 12M is 20%
3 Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 41x
4 Key risks
FCCO key risks include its loan concentrations in [1] Commercial Real Estate (CRE) and [2] Small-to-Medium Business (SMB).

FCCO in ETFs

Weight = FCCO's share of each fund

VTI0.00%
IWM0.01%
AVUV0.01%
VTWO0.01%
DFAS0.01%
IWN0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 10/21/2026

First Community (FCCO) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

1. Consistent Strong Financial Performance and Earnings Beats. First Community Corporation has demonstrated consistent financial strength, with diluted earnings per share (EPS) in fiscal Q3 2026 reaching $0.85, a 26.9% increase year-over-year and a beat against the consensus estimate of $0.80. Total revenue for the quarter also surpassed expectations by 1.1%, totaling $26.23 million. This follows a strong fiscal Q2 2026, where the company reported $0.84 EPS, significantly exceeding analyst estimates of $0.69. Such sustained outperformance in core financial metrics tends to stabilize investor sentiment.

2. Expanding Net Interest Margin and Robust Loan Growth. The company achieved its tenth consecutive quarter of net interest margin expansion, reaching 3.59% on a tax equivalent basis in fiscal Q3 2026, an increase of eight basis points from the prior quarter. This margin expansion was complemented by solid loan growth, with total loans increasing by $32.1 million during fiscal Q3 2026, representing an annualized growth rate of 8.1% to reach $1.610 billion. These factors indicate healthy core banking operations and effective management in a dynamic interest rate environment.

Show more
Updated on 10/21/2026

First Community (FCCO) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

1. Consistent Strong Financial Performance and Earnings Beats. First Community Corporation has demonstrated consistent financial strength, with diluted earnings per share (EPS) in fiscal Q3 2026 reaching $0.85, a 26.9% increase year-over-year and a beat against the consensus estimate of $0.80. Total revenue for the quarter also surpassed expectations by 1.1%, totaling $26.23 million. This follows a strong fiscal Q2 2026, where the company reported $0.84 EPS, significantly exceeding analyst estimates of $0.69. Such sustained outperformance in core financial metrics tends to stabilize investor sentiment.

2. Expanding Net Interest Margin and Robust Loan Growth. The company achieved its tenth consecutive quarter of net interest margin expansion, reaching 3.59% on a tax equivalent basis in fiscal Q3 2026, an increase of eight basis points from the prior quarter. This margin expansion was complemented by solid loan growth, with total loans increasing by $32.1 million during fiscal Q3 2026, representing an annualized growth rate of 8.1% to reach $1.610 billion. These factors indicate healthy core banking operations and effective management in a dynamic interest rate environment.

3. Resilient Regional Banking Sector and Strong Credit Quality. The broader U.S. regional banking sector has shown resilience, with expectations for continued mid- to high-single-digit loan growth and stable asset quality despite elevated interest rates and global uncertainties. First Community mirrors this positive sectoral outlook with strong credit quality metrics, reporting minimal net charge-offs of $9,000 and non-performing assets at a low 0.04% of total assets in fiscal Q3 2026. This favorable operating environment and the company's solid credit fundamentals contribute to the stock's stability.

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Stock Movement Drivers

Fundamental Drivers

The 1.4% change in FCCO stock from 6/30/2026 to 10/22/2026 was primarily driven by a 6.9% change in the company's Total Revenues ($ Mil).
(LTM values as of)630202610222026Change
Stock Price ($)32.5232.991.4%
Change Contribution By: 
Total Revenues ($ Mil)76826.9%
Net Income Margin (%)27.2%28.4%4.4%
P/E Multiple14.513.4-7.6%
Shares Outstanding (Mil)99-1.6%
Cumulative Contribution1.4%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2026 to 10/22/2026
ReturnCorrelation
FCCO1.4% 
Market (SPY)2.3%11.6%
Sector (XLF)5.7%49.1%

Fundamental Drivers

The 14.0% change in FCCO stock from 3/31/2026 to 10/22/2026 was primarily driven by a 15.7% change in the company's P/E Multiple.
(LTM values as of)331202610222026Change
Stock Price ($)28.9332.9914.0%
Change Contribution By: 
Total Revenues ($ Mil)728213.5%
Net Income Margin (%)26.7%28.4%6.0%
P/E Multiple11.613.415.7%
Shares Outstanding (Mil)89-18.1%
Cumulative Contribution14.0%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 10/22/2026
ReturnCorrelation
FCCO14.0% 
Market (SPY)17.8%9.8%
Sector (XLF)15.1%48.5%

Fundamental Drivers

The 19.5% change in FCCO stock from 9/30/2025 to 10/22/2026 was primarily driven by a 21.2% change in the company's Total Revenues ($ Mil).
(LTM values as of)930202510222026Change
Stock Price ($)27.6232.9919.5%
Change Contribution By: 
Total Revenues ($ Mil)678221.2%
Net Income Margin (%)25.7%28.4%10.4%
P/E Multiple12.313.49.1%
Shares Outstanding (Mil)89-18.2%
Cumulative Contribution19.5%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 10/22/2026
ReturnCorrelation
FCCO19.5% 
Market (SPY)15.6%20.7%
Sector (XLF)6.4%54.5%

Fundamental Drivers

The 106.4% change in FCCO stock from 9/30/2023 to 10/22/2026 was primarily driven by a 63.5% change in the company's P/E Multiple.
(LTM values as of)930202310222026Change
Stock Price ($)15.9832.99106.4%
Change Contribution By: 
Total Revenues ($ Mil)578243.9%
Net Income Margin (%)26.1%28.4%8.7%
P/E Multiple8.213.463.5%
Shares Outstanding (Mil)89-19.2%
Cumulative Contribution106.4%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2023 to 10/22/2026
ReturnCorrelation
FCCO106.4% 
Market (SPY)84.8%37.5%
Sector (XLF)78.3%50.0%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
FCCO Return26%8%1%15%27%12%124%
Peers Return25%-3%6%17%8%12%83%
S&P 500 Return27%-19%24%23%16%12%104%

Monthly Win Rates [3]
FCCO Win Rate75%50%42%50%75%60% 
Peers Win Rate65%48%48%56%60%52% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
FCCO Max Drawdown-15%-21%-23%-26%-27%-10% 
Peers Max Drawdown-23%-27%-37%-17%-28%-17% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: SSB, ABCB, AUB, PNFP, FBNC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 10/22/2026 (YTD)

How Low Can It Go

EventFCCOS&P 500
2025 US Tariff Shock
  % Loss-24.5%-18.8%
  % Gain to Breakeven32.5%23.1%
  Time to Breakeven136 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-12.3%-9.5%
  % Gain to Breakeven14.0%10.5%
  Time to Breakeven92 days24 days
2023 SVB Regional Banking Crisis
  % Loss-15.7%-6.7%
  % Gain to Breakeven18.6%7.1%
  Time to Breakeven70 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-16.8%-24.5%
  % Gain to Breakeven20.2%32.4%
  Time to Breakeven28 days427 days
2020 COVID-19 Crash
  % Loss-36.5%-33.7%
  % Gain to Breakeven57.5%50.9%
  Time to Breakeven361 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-21.2%-19.2%
  % Gain to Breakeven26.9%23.8%
  Time to Breakeven1058 days105 days

Compare to SSB, ABCB, AUB, PNFP, FBNC

In The Past

First Community's stock fell -24.5% during the 2025 US Tariff Shock. Such a loss loss requires a 32.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventFCCOS&P 500
2025 US Tariff Shock
  % Loss-24.5%-18.8%
  % Gain to Breakeven32.5%23.1%
  Time to Breakeven136 days79 days
2020 COVID-19 Crash
  % Loss-36.5%-33.7%
  % Gain to Breakeven57.5%50.9%
  Time to Breakeven361 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-21.2%-19.2%
  % Gain to Breakeven26.9%23.8%
  Time to Breakeven1058 days105 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-23.7%-17.9%
  % Gain to Breakeven31.0%21.8%
  Time to Breakeven119 days123 days
2008-2009 Global Financial Crisis
  % Loss-54.8%-53.4%
  % Gain to Breakeven121.1%114.4%
  Time to Breakeven1624 days1085 days

Compare to SSB, ABCB, AUB, PNFP, FBNC

In The Past

First Community's stock fell -24.5% during the 2025 US Tariff Shock. Such a loss loss requires a 32.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About First Community (FCCO)

First Community Corporation (FCCO) operates as a bank holding company for First Community Bank, offering a comprehensive suite of commercial and retail banking products and services. The bank provides various deposit accounts, including checking, savings, money market, and certificates of deposit. Its loan portfolio is diverse, encompassing commercial loans for business expansion and equipment, consumer loans for autos and home improvements, real estate construction and acquisition loans, and both fixed and variable rate mortgage loans.

Beyond traditional banking, FCCO also provides mortgage banking, investment advisory services, and non-deposit investment products such as brokerage services and insurance. Other convenient services include online banking, cash management, and credit card services. The company primarily caters to small-to-medium sized businesses, professional concerns, and individuals.

FCCO serves its customer base through 21 full-service offices located across several counties in South Carolina, including Lexington, Richland, Greenville, and Aiken, as well as in Richmond and Columbia counties in Georgia.

AI Analysis | Feedback

Here are 1-3 brief analogies for First Community (FCCO):

  • The Bank of America for specific communities in South Carolina and Georgia.

  • A community-focused Wells Fargo for South Carolina and Georgia businesses and individuals.

AI Analysis | Feedback

  • Deposit Services: Offers a range of checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
  • Commercial Loans: Provides secured and unsecured loans for business working capital, expansion, and equipment purchases.
  • Consumer Loans: Offers secured and unsecured loans for personal needs such as automobiles, home improvements, education, and investments.
  • Real Estate & Mortgage Loans: Includes loans for real estate construction and acquisition, along with fixed and variable rate mortgages.
  • Investment Advisory & Brokerage Services: Provides non-deposit investment products, investment brokerage, and advisory services.
  • Insurance Services: Offers various insurance products to customers.
  • Credit Card Services: Issues VISA and MasterCard credit cards.
  • Digital & Cash Management Services: Provides online banking, internet banking, and cash management solutions for convenience.

AI Analysis | Feedback

First Community (FCCO) primarily serves the following categories of customers:

  • Small-to-medium sized businesses
  • Professional concerns
  • Individuals

AI Analysis | Feedback

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AI Analysis | Feedback

Michael C. Crapps
President and Chief Executive Officer

Mr. Crapps was appointed CEO in January 1994 and has served for over 32 years. He is a founding member of the Executive Leadership Team. Prior to his current role, he served as President, Chief Executive Officer & Director at Republic Bank of New York from 1985 to 1993. He earned an undergraduate degree from Clemson University in 1980, an MBA from the University of South Carolina in 1984, and an undergraduate degree from the Graduate School of Banking at Louisiana State University. He also serves as a Director for various organizations, including the Business Development Corp. of South Carolina, the Charlotte Branch of the Federal Reserve Bank of Richmond, and the Central Carolina Community Foundation.

D. Shawn Jordan
Executive Vice President, Chief Financial Officer

Mr. Jordan assumed the role of Chief Financial Officer on December 31, 2019. He brings 28 years of banking industry experience, having held leadership and executive positions in both public and private financial institutions. His extensive background includes corporate analytics, strategic planning, budgeting, forecasting, internal reporting, balance sheet management, interest rate risk planning, allowance for credit losses (CECL), regulatory relations, and mergers & acquisitions. Before joining First Community, Mr. Jordan served as Senior Vice President and Manager of Corporate Analytics at IBERIABANK, and previously as Executive Vice President and Chief Financial Officer of AloStar Bank of Commerce. He holds a bachelor's degree in economics from Centre College and an MBA from Eastern Kentucky University.

J. Ted Nissen
President and Chief Executive Officer, First Community Bank

Mr. Nissen has been with First Community Bank since its inception in 1995 and is a founding member of its Executive Leadership Team. Effective July 1, 2024, he became the CEO of First Community Bank while retaining his role as President, and also joined First Community’s Board of Directors. With over 41 years of banking experience, he is responsible for the leadership of the bank's day-to-day operations, including its mortgage and financial planning lines of business, and leads the enterprise banking strategy across commercial and retail.

Joseph A. "Drew" Painter
Executive Vice President, Chief Commercial and Retail Banking Officer

Mr. Painter became an Executive Vice President and Co-Chief Commercial and Retail Banking Officer effective January 1, 2024. He has been with First Community Bank for twenty years, most recently serving as a Regional Market President. In his current role, he is responsible for leading First Community's network of banking offices.

Vaughan R. Dozier, Jr.
Executive Vice President, Chief Commercial and Retail Banking Officer

Mr. Dozier became an Executive Vice President and Co-Chief Commercial and Retail Banking Officer effective January 1, 2024. He has been with First Community Bank for fifteen years, having previously served as a Regional Market President. He shares responsibility for leading First Community's network of banking offices.

AI Analysis | Feedback

Here are the key risks to First Community Corporation's business:

  1. Credit Risk, particularly Concentration in Commercial Real Estate: First Community Corporation faces significant credit risk, especially due to its concentration of credit exposure in commercial real estate. Challenges in this market could materially harm the company's business, financial condition, and results of operations. Additionally, the company is exposed to the risk of higher credit losses than it may have allowed for in its allowance for credit losses.
  2. Interest Rate Risk: The company's financial condition and results of operations are sensitive to fluctuations in interest rates. Significant economic strategies implemented by the Federal Reserve have affected interest rates, inflation, asset values, and the shape of the yield curve. The company is continuously adapting to changing market conditions, including interest rate fluctuations and economic uncertainties, which impact loan demand and deposit flows.
  3. Regulatory and Compliance Risk: First Community Corporation operates in a highly regulated environment, and changes in laws, regulations, or accounting standards could adversely affect its business. Failure to comply with federal and state fair lending laws could result in significant penalties. The company also faces risks related to the adoption of future legislation and potential changes in federal regulatory agency leadership, policies, and priorities.

AI Analysis | Feedback

The increasing competition from digital-first banks, fintech companies, and major technology companies entering the financial services sector represents a clear emerging threat. These entities often leverage advanced technology, lower operating costs, and expansive digital ecosystems to offer highly competitive banking, lending, and payment solutions. This trend directly challenges First Community's traditional branch-based model for deposits, consumer and commercial loans, mortgage services, and investment advisory, potentially eroding its customer base and pressuring margins.

AI Analysis | Feedback

First Community (symbol: FCCO) operates as a bank holding company offering commercial and retail banking, mortgage banking, and investment advisory and non-deposit services primarily in South Carolina and Georgia. The addressable markets for its main products and services in these regions are as follows:

Commercial and Retail Banking

  • Total Deposits:
    • In South Carolina, the total deposits held at community bank branches were approximately $45.74 billion as of December 13, 2024.
    • In Georgia, total deposits were $342 billion in 2024.
  • Commercial Loans:
    • In South Carolina, the total commercial loan portfolio across 166 banks was $30.5 billion in Q4 2024.
    • In Georgia, small business loans amounted to $22 billion in 2024.
    • In Georgia, small farm loans totaled $2.6 billion in 2024.
    • In South Carolina, total reported new lending to businesses through loans of $1 million or less was $4.0 billion in 2022.

Mortgage Banking

  • Mortgage Loans:
    • In South Carolina, nearly a thousand mortgage companies collectively provided over $32 billion in home loans in 2024.
    • In Georgia, new home loans booked in 2024 amounted to $36.5 billion.

Investment Advisory and Non-Deposit Segments

  • Market Size: Null

AI Analysis | Feedback

Here are the expected drivers of future revenue growth for First Community (FCCO) over the next 2-3 years:

  1. Strategic Acquisitions and Market Expansion: The acquisition of Signature Bank of Georgia on January 9, 2026, is a key driver for future revenue growth. This acquisition is expected to expand First Community's market presence and increase its asset base, leading to higher revenues.
  2. Growth in Customer Deposits: First Community has demonstrated strong customer deposit growth, with a 15.0% annualized growth rate in the first quarter of 2024, adding $54.7 million in customer deposits. Continued success in attracting and retaining customer deposits provides a stable and cost-effective funding source for lending activities, directly contributing to net interest income.
  3. Expansion of Loan Portfolio: The company's loan portfolio, comprising commercial, real estate construction, and consumer loans, is a primary revenue generator. First Community reported an 8.3% annualized total loan growth rate in the first quarter of 2024, amounting to $23.3 million. Sustained growth in various loan categories is anticipated to drive future net interest income.
  4. Increased Investment Advisory Services Revenue: First Community's investment advisory services segment is experiencing significant growth. Assets under management (AUM) reached a record $832.9 million by March 31, 2024, marking a 10.3% increase from the prior quarter, and further grew to $1.011 billion by June 30, 2025. This growth in AUM directly translates to higher fee-based revenue.

AI Analysis | Feedback

Share Repurchases

  • First Community Corporation's Board of Directors approved a plan to repurchase up to $7.5 million of its common stock, set to expire on May 8, 2026.
  • As of January 28, 2026, and October 22, 2025, no shares had been repurchased under the $7.5 million authorized plan.
  • On February 22, 2023, First Community Corporation purchased 35,250 shares of its common stock from its wholly owned subsidiary, First Community Bank of East Tennessee, which decreased the number of outstanding common shares.

Share Issuance

  • On February 24, 2026, an executive vice president acquired 1,353 restricted stock units and 3,784 shares of common stock as a grant.
  • On the same date, the EVP also exercised a derivative security for 1,661 shares of common stock at $29.43 per share, totaling approximately $48,895.03.

Outbound Investments

  • First Community Corporation announced the signing of an agreement to acquire Signature Bank of Georgia on July 23, 2025.
  • The acquisition of Signature Bank of Georgia was completed on January 9, 2026.

Peer Outperformance in Regional Banks

FCCO has outperformed 76% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that FCCO has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
29%
of 286 industry peers · 20.8% return
3Y
52%
of 276 industry peers · 105.3% return
5Y
76%
of 264 industry peers · 92.2% return
No Regional Banks peer with a comparable growth profile has beaten FCCO by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is FCCO's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 31.1%75.4%121.6% SPNT 176% · RNR 155% · RGA 154%
Diversified Banks 12 30.8%148.9%89.3% CM 140% · RY 124% · JPM 122%
Life & Health Insurance 20 14.9%60.7%85.6% JXN 486% · UNM 291% · FG 185%
Investment Banking & Brokerage 13 -12.8%105.6%74.3% IBKR 354% · SNEX 172% · HOOD 144%
Multi-Sector Holdings 4 4.1%61.4%72.9% BRK-B 89% · VOYA 57% · JEF 31%
Property & Casualty Insurance 42 17.3%84.4%66.5% TRV 175% · PGR 168% · ACGL 150%
Multi-line Insurance 9 9.2%73.0%60.5% L 101% · GNW 100% · AIZ 90%
Regional Banks ← 265 30.8%102.3%52.7% CBC 239% · FCNCA 165% · NIC 145%
Financial Exchanges & Data 15 13.3%39.5%33.0% CBOE 171% · VIRT 154% · CME 73%
Insurance Brokers 15 -3.1%14.0%25.2% LIFE 410% · ARX 88% · AJG 73%
Consumer Finance 30 0.7%86.7%25.0% ENVA 407% · FCFS 116% · ECPG 95%
Diversified Financial Services 4 -4.6%24.6%6.5% FRHC 154% · EQH 84%
Asset Management & Custody Banks 85 -11.5%22.8%3.7% WT 283% · AAMI 248% · VCTR 240%
Commercial & Residential Mortgage Finance 15 -53.5%35.2%1.7% FNMA 413% · FMCC 376% · ACT 156%
Specialized Finance 3 11.5%40.1%-10.2% CACC -10% · HASI -22%
Transaction & Payment Processing Services 17 4.6%8.8%-32.6% V 86% · MA 82% · CPAY 50%
Mortgage REITs 34 -20.8%1.3%-33.0% RITM 26% · DX 21% · AGNC 8%
Diversified Capital Markets 20 -53.1%16.3%-66.5% LPLA 87% · TW 45% · RIOT -54%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

FCCOSSBABCBAUBPNFPFBNCMedian
NameFirst Co.SouthSta.Ameris B.Atlantic.Pinnacle.First Ba. 
Mkt Price32.99105.2383.1840.02100.4563.9773.58
Mkt Cap0.310.25.65.715.22.65.6
Rev LTM822,6561,2291,5313,3064171,380
Op Inc LTM-------
FCF LTM78605225241,435227523
FCF 3Y Avg12467389976883186428
CFO LTM89285495491,536232549
CFO 3Y Avg13520409989969191464

Growth & Margins

FCCOSSBABCBAUBPNFPFBNCMedian
NameFirst Co.SouthSta.Ameris B.Atlantic.Pinnacle.First Ba. 
Rev Chg LTM21.2%25.2%9.1%46.3%88.5%11.8%23.2%
Rev Chg 3Y Avg13.4%15.9%5.2%31.3%37.8%1.1%14.7%
Rev Chg Q28.9%1.2%8.8%2.7%146.1%14.9%11.9%
QoQ Delta Rev Chg LTM6.9%0.3%2.1%0.7%26.9%4.1%3.1%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM9.3%34.9%44.6%35.9%46.5%55.8%40.2%
CFO/Rev 3Y Avg19.9%24.2%35.4%92.7%44.3%48.7%39.9%
FCF/Rev LTM8.1%32.4%42.5%34.2%43.4%54.5%38.3%
FCF/Rev 3Y Avg18.5%21.7%33.7%91.7%39.9%47.7%36.8%

Valuation

FCCOSSBABCBAUBPNFPFBNCMedian
NameFirst Co.SouthSta.Ameris B.Atlantic.Pinnacle.First Ba. 
Mkt Cap0.310.25.65.715.22.65.6
P/S3.83.94.53.74.66.34.2
P/Op Inc-------
P/EBIT-------
P/E13.410.814.811.718.519.814.1
P/CFO40.711.010.110.49.911.310.7
Total Yield9.2%11.6%7.8%12.4%6.6%6.5%8.5%
Dividend Yield1.8%2.3%1.0%3.8%1.2%1.5%1.6%
FCF Yield 3Y Avg5.9%6.0%7.8%20.2%-8.7%7.8%
D/E0.10.10.20.30.7-0.00.2
Net D/E-0.5-0.0-0.30.1-1.0-0.9-0.4

Returns

FCCOSSBABCBAUBPNFPFBNCMedian
NameFirst Co.SouthSta.Ameris B.Atlantic.Pinnacle.First Ba. 
1M Rtn-0.4%2.8%0.8%3.5%6.2%1.9%2.4%
3M Rtn0.6%4.6%-6.5%-4.2%1.1%1.5%0.9%
6M Rtn11.4%8.6%-1.2%7.6%2.4%8.3%7.9%
12M Rtn20.8%14.9%15.0%22.3%7.2%33.8%17.9%
3Y Rtn105.3%74.4%140.7%62.3%7.2%151.9%89.8%
1M Excs Rtn2.9%4.2%2.8%5.2%8.2%3.8%4.0%
3M Excs Rtn-4.8%-3.5%-8.3%-7.7%-5.0%-1.0%-4.9%
6M Excs Rtn3.7%0.9%-9.1%-0.2%-5.4%0.5%0.2%
12M Excs Rtn10.0%0.3%0.8%8.3%-6.5%19.6%4.5%
3Y Excs Rtn27.8%-13.3%46.2%-25.5%-67.9%61.9%7.2%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Commercial and Retail Banking6354525250
Mortgage Banking107445
Investment advisory and non-deposit86544
Corporate64444
Eliminations-7-6-5-4-4
Total7966596059


Net Income by Segment
$ Mil20252024202320222021
Commercial and Retail Banking1411121514
Mortgage Banking530-01
Corporate44333
Investment advisory and non-deposit32122
Eliminations-7-6-5-4-4
Total1914121515


Assets by Segment
$ Mil20252024202320222021
Commercial and Retail Banking1,8951,8121,7271,6631,567
Corporate201185174166153
Mortgage Banking16114599917
Investment advisory and non-deposit000 0
Eliminations-200-184-173-165-152
Total2,0581,9581,8281,6731,585


Price Behavior

Price Behavior
Market Price$32.99 
Market Cap ($ Bil)0.3 
First Trading Date03/09/1999 
Distance from 52W High-5.3% 
   50 Days200 Days
DMA Price$33.26$31.13
DMA Trendindeterminateup
Distance from DMA-0.8%6.0%
 3M1YR
Volatility17.2%20.2%
Downside Capture87.6833.40
Upside Capture55.2552.04
Correlation (S&P 500)18.2%17.5%
FCCO Betas & Captures as of 9/30/2026

 1M2M3M6M1Y3Y
Beta0.640.460.230.170.350.70
Up Beta-2.270.26-0.57-0.160.420.77
Down Beta1.340.470.10-0.360.200.77
Up Capture69%30%44%42%34%37%
Bmk +ve Days6162766132424
Stock +ve Days9182961126367
Down Capture128%94%61%43%40%78%
Bmk -ve Days16263760120328
Stock -ve Days13243564124363

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with FCCO
FCCO23.8%20.2%0.94-
Sector ETF (XLF)8.8%14.5%0.3551.8%
Equity (SPY)14.8%12.7%0.8015.9%
Gold (GLD)-2.2%28.4%-0.090.1%
Commodities (DBC)52.1%20.7%1.91-32.0%
Real Estate (VNQ)4.7%13.9%0.0837.4%
Bitcoin (BTCUSD)-22.4%43.4%-0.47-0.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with FCCO
FCCO13.1%26.3%0.46-
Sector ETF (XLF)9.6%18.3%0.3838.5%
Equity (SPY)13.0%17.1%0.5729.1%
Gold (GLD)17.1%18.9%0.721.1%
Commodities (DBC)9.3%19.5%0.362.6%
Real Estate (VNQ)1.1%18.9%-0.0528.5%
Bitcoin (BTCUSD)8.0%51.7%0.3313.3%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with FCCO
FCCO10.1%30.6%0.37-
Sector ETF (XLF)13.3%22.1%0.5434.8%
Equity (SPY)15.4%17.9%0.7327.5%
Gold (GLD)11.9%16.4%0.59-1.4%
Commodities (DBC)8.3%18.1%0.3710.1%
Real Estate (VNQ)5.2%20.7%0.2125.9%
Bitcoin (BTCUSD)63.0%66.2%1.039.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date9302026
Short Interest: Shares Quantity0.2 Mil
Short Interest: % Change Since 9152026-12.8%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest1.8 days
Basic Shares Quantity9.4 Mil
Short % of Basic Shares1.8%

Earnings Returns History

Updated 10/21/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/22/20261.4%7.0%5.0%
4/22/2026-2.5%-3.5%-0.2%
1/28/20260.7%6.7%0.4%
10/22/2025-2.3%-4.6%-1.3%
7/23/2025-2.0%-3.1%1.9%
4/23/20251.9%-0.3%0.3%
1/22/20255.7%5.8%3.5%
10/16/20240.2%-1.1%4.9%
...
SUMMARY STATS   
# Positive111115
# Negative13139
Median Positive1.4%2.8%3.7%
Median Negative-1.4%-2.6%-2.6%
Max Positive5.7%8.6%22.0%
Max Negative-3.4%-5.0%-15.0%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/22/20261.4%7.0%5.0%
4/22/2026-2.5%-3.5%-0.2%
1/28/20260.7%6.7%0.4%
10/22/2025-2.3%-4.6%-1.3%
7/23/2025-2.0%-3.1%1.9%
4/23/20251.9%-0.3%0.3%
1/22/20255.7%5.8%3.5%
10/16/20240.2%-1.1%4.9%
7/17/2024-2.0%8.6%3.7%
4/17/20240.0%1.3%10.6%
1/24/20244.3%1.3%-10.2%
10/18/2023-1.4%-2.8%-1.5%
7/19/20232.8%7.4%-1.0%
4/19/2023-0.1%-1.2%-15.0%
1/18/2023-0.6%-2.6%-7.6%
10/19/20222.6%2.0%15.0%
7/20/2022-0.1%-1.8%0.3%
4/20/2022-1.4%-3.0%-7.4%
1/19/2022-0.4%-2.2%-2.6%
10/20/20210.9%-0.5%10.7%
7/21/20211.3%2.8%0.6%
4/21/2021-0.1%-5.0%5.6%
1/20/2021-3.4%0.0%1.4%
10/21/2020-1.5%1.4%22.0%
SUMMARY STATS   
# Positive111115
# Negative13139
Median Positive1.4%2.8%3.7%
Median Negative-1.4%-2.6%-2.6%
Max Positive5.7%8.6%22.0%
Max Negative-3.4%-5.0%-15.0%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/12/202610-Q
03/31/202605/15/202610-Q
12/31/202503/16/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/12/202410-Q
06/30/202408/12/202410-Q
03/31/202405/13/202410-Q
12/31/202303/21/202410-K
09/30/202311/09/202310-Q
06/30/202308/10/202310-Q
03/31/202305/11/202310-Q
12/31/202203/22/202310-K
09/30/202211/09/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/12/202610-Q
03/31/202605/15/202610-Q
12/31/202503/16/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/12/202410-Q
06/30/202408/12/202410-Q
03/31/202405/13/202410-Q
12/31/202303/21/202410-K
09/30/202311/09/202310-Q
06/30/202308/10/202310-Q
03/31/202305/11/202310-Q
12/31/202203/22/202310-K
09/30/202211/09/202210-Q
06/30/202208/10/202210-Q
03/31/202205/11/202210-Q
12/31/202103/16/202210-K
09/30/202111/09/202110-Q
06/30/202108/10/202110-Q
03/31/202105/07/202110-Q
12/31/202003/12/202110-K
09/30/202011/06/202010-Q
06/30/202008/10/202010-Q
03/31/202005/08/202010-Q
12/31/201903/13/202010-K
09/30/201911/07/201910-Q

Insider Activity

Updated 10/6/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Deutsch, Fred Joseph DirectSell1006202632.57015320,977Form
2Been, Jonathan W DirectSell904202634.0514,800503,9404,108,303Form
3Sosebee, Jane S DirectBuy826202633.951,25042,431368,473Form
4Deutsch, Fred JosephExecutive Vice PresidentDirectSell824202634.007,936269,824340,000Form
5Deutsch, Fred JosephExecutive Vice PresidentDirectSell824202634.0096332,742609,824Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Deutsch, Fred Joseph DirectSell1006202632.57015320,977Form
2Been, Jonathan W DirectSell904202634.0514,800503,9404,108,303Form
3Sosebee, Jane S DirectBuy826202633.951,25042,431368,473Form
4Deutsch, Fred JosephExecutive Vice PresidentDirectSell824202634.007,936269,824340,000Form
5Deutsch, Fred JosephExecutive Vice PresidentDirectSell824202634.0096332,742609,824Form
6Deutsch, Fred JosephExecutive Vice PresidentDirectSell728202634.5210,000345,150637,423Form
7Reynolds, E. Leland DirectBuy202202629.6750014,835917,690Form
Core Cache Last Updated: 10/22/2026