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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 10.3% |
| Our one-year growth estimate | diamond | 0.8% |
Growth built into the price is above our model estimate.
The price assumes 9.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
FCCO — director transition
Dated 2026-08-19
Director of Specialty Business Lending — Freddie Deutsch: The individual is voluntarily retiring from a specialized business lending role and board seats after completing integration objectives, with a planned transition period and no indication of a sudden loss of key leadership.
Why it matters: The $7.5 million buyback plan shows that management cares about how they spend money.
Supportive ifShares repurchased are more than 1% of total equity.
Worry ifNo updates or signs of share repurchases within the next quarter.
Why it matters: Ongoing loan growth shows strong demand. It also shows good lending strategies.
Supportive ifOrganic loan growth exceeds 10% year over year in Q3.
Worry ifOrganic loan growth falls below 5% year over year in Q3.
Why it matters: The EPS guidance shows better earnings potential for 2026.
Supportive ifEarnings report confirms EPS of at least $0.59 for 2026.
Worry ifEarnings report shows EPS below $0.59 for 2026.
Why it matters: Strong growth shows the company is making money and is well managed.
Supportive ifQ3 net income growth exceeds 40% year-over-year.
Worry ifQ3 net income growth is below 30% year-over-year.
Why it matters: Successful integration will show First Community's ability to grow and manage new assets. This is key for future growth.
Supportive ifManagement says the integration of Signature Bank went well. There were no major issues or delays.
Worry ifIntegration has big delays or problems. These affect performance.
Why it matters: Strong EPS growth shows good management. It also shows healthy financial performance.
Supportive ifQ3 diluted EPS growth exceeds 20% compared to Q3 2025.
Worry ifQ3 diluted EPS growth falls below 10% year-over-year.
Why it matters: A slowdown in sector growth could impact First Community's performance and outlook.
Worry ifSector revenue growth reported below its median for the last three months.
Less concerning ifSector revenue growth remains above the median for the next three months.
Why it matters: A steady dividend shows the company is healthy. It also shows care for shareholders.
Supportive ifAnnouncement of a cash dividend equal to or greater than $0.17 per share.
Worry ifDividend announcement is less than $0.17 per share.
Why it matters: Active share buybacks can signal confidence in the company's value and improve earnings per share.
Supportive ifThere will be an announcement about share buybacks of at least $2 million by Q3 2026.
Worry ifNo announcements of share repurchases or a halt in the buyback plan.
Why it matters: Successful integration will show if the acquisition leads to growth in new markets.
Supportive ifManagement says the loan portfolio grew by 11.0% this year, not counting acquisitions.
Worry ifLoan portfolio growth is below 5%. This shows there may be integration problems.
Why it matters: This merger is key for growth. Delays could hurt future plans.
Watch forThe merger closes by the end of Q3 2026.
Also watch forThe merger may have more delays or problems.
Why it matters: NIM growth shows better profits. It also shows good interest rate management.
Supportive ifNIM exceeds 3.60% in Q3 2026.
Worry ifNIM contracts or stays below 3.50% in Q3 2026.
Why it matters: Successful integration will show if the acquisition adds value and growth.
Supportive ifThe systems conversion on March 13, 2026, is done. There were no major issues.
Worry ifThere are big delays or problems during the systems conversion.
Why it matters: Completing the repurchase plan shows good money management. It also shows trust in the company.
Supportive ifTotal share repurchases under the plan reach $7.5 million.
Worry ifNo more repurchases happen after the first ones.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$90 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $238 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,059 loss on $10,000 · 10.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.