First Community Corp/SC (FCCO)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$34.56+1.53%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FCCO
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 6.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Successfully integrate Signature Bank of Georgia acquisition and leverage new growth markets and business lines including GGL/SBA lending.
Stated in 3 of last 3 quarters. The acquisition closed January 8, 2026, with systems conversion March 13, 2026, adding a growth market and GGL/SBA lines. Loan portfolio growth excluding acquisition was 11.0% annualized YTD 2026. Tangible book value dilution is manageable with a 2.2-year earnback and capital accretion of ~35 bps TCE/TA. Management is delivering on integration and growth from the acquisition.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Closed Signature Bank acquisition January 8, 2026; systems conversion March 13, 2026; adding growth market and GGL/SBA lines”
“Acquisition closed January 8, 2026; expanded footprint into Atlanta market and added Government Guaranteed Lending line”
“Signature Bank acquisition closed January 8, 2026; acquisition adds growth market and SBA lending expertise”
Focus on increasing diluted EPS through operational performance and integration benefits.
Stated in 3 of last 3 quarters. Diluted EPS increased from $0.59 in 2026-Q1 to $0.80 in 2026-Q2, a 35.6% linked quarter increase and 19.4% year-over-year. Management has consistently emphasized EPS growth and the financials show delivering trajectory.
“Diluted EPS of $0.80 per common share during the second quarter, an increase of 19.4% year-over-year”
“Diluted EPS of $0.59 per common share, an increase of 15.7% year-over-year”
“Diluted EPS of $0.67 per common share for the third quarter of 2025”
Implement the Board-approved share repurchase program utilizing up to $7.5 million capital through May 2027.
Stated in 2 of last 2 quarters. The Board approved a $7.5 million share repurchase plan in 2026-Q2. In 2026-Q1, the company repurchased shares totaling $41,180 under this plan. Management is executing the repurchase plan with ongoing activity.
“Announced plan to utilize up to $7.5 million of capital to repurchase shares of common stock”
“Under the previously approved Share Repurchase Plan, repurchased 1,483 shares at average price $27.77 totaling $41,180”
Sustain capital ratios above regulatory minimums and continue consistent cash dividends to shareholders.
Stated in 3 of last 3 quarters. Dividend increased from $0.16 in 2026-Q1 to $0.17 in 2026-Q2, continuing 98 consecutive quarters of dividends. Tangible common equity to tangible assets ratio rose from 7.47% in 2025-Q4 to 7.93% in 2026-Q1. Management is delivering on strong capital and dividend policy.
“Approved increase in cash dividend to $0.17 per share, payable August 18, 2026”
“Cash dividend of $0.16 per common share, 97th consecutive quarter of dividends”
“Capital ratios exceed well capitalized minimum levels; Tangible common equity to tangible assets ratio increased”
Complete acquisition and systems integration of Signature Bank of Georgia to expand footprint and add new business lines.
Over the trailing year it converted 1.17x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
9 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.