First Community (FCCO)
Runs community banking, mortgages, advisory, and government-guaranteed lending across South Carolina and Georgia.
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Provides commercial and retail banking through First Community Bank, with mortgage banking and financial planning or investment advisory fee lines. The footprint is concentrated in South Carolina and nearby Georgia markets, with Signature Bank of Georgia adding metro Atlanta and government-guaranteed lending.
Provides commercial and retail banking through First Community Bank, including deposits, cash management, commercial and consumer lending, and mortgage loans for local businesses, professionals, and individuals.
Adds residential mortgage banking and First Community Financial Consultants' planning and investment advisory services, so fee income comes from both loan production and non-deposit advisory activity. The footprint is concentrated in South Carolina and nearby Georgia, with Signature Bank of Georgia adding metro Atlanta and government-guaranteed lending.
Operates as a regulated bank holding company with First Community Bank supervised by the FDIC and South Carolina banking regulators. The business depends on credit quality, deposit pricing and retention, interest-rate sensitivity, mortgage production, advisory activity, and the integration of the Signature acquisition.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Feb 4, 2025 | Janney Montgomery Scott | Upgrade | Neutral | Buy | ||
| Jan 23, 2025 | Raymond James | Upgrade | Outperform | Strong Buy | $21 | $30 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $28.0M · Total debt $113.9M · Total assets $2.37B · Shareholders' equity $228.0M
- Revenue
- $33.8M
- Operating income
- $9.7M
- Net income
- $7.6M
Raised for 15 straight years — most recently to $0.17 from $0.16 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 4, 2026 | Aug 4 | Aug 18 | $0.17 | raised from $0.16 |
| May 5, 2026 | May 5 | May 19 | $0.16 | |
| Feb 10, 2026 | Feb 10 | Feb 24 | $0.16 | |
| Nov 4, 2025 | Nov 4 | Nov 18 | $0.16 | |
| Aug 5, 2025 | Aug 5 | Aug 19 | $0.16 | raised from $0.15 |
| May 6, 2025 | May 6 | May 20 | $0.15 | |
| Feb 4, 2025 | Feb 4 | Feb 18 | $0.15 | |
| Oct 29, 2024 | Oct 29 | Nov 12 | $0.15 |
| Institutions122 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 62.34% | 5.86M shares | |
| Insiders19 holders · as of Aug 26, 2026 | 9.82% | 923.3K shares | |
| Otherremainder | ≈ 27.84% | 2.62M shares |
9.40M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 7.32% | 688,196 | 13Fas of Jun 30, 2026 |
Fourthstone LLCInstitution | 5.95% | 559,185 | 13Gfiled Aug 14, 2025 ↗ |
Jonathan W. BeenInsiderdirector | 5.02% | 472,062 | Form 4filed Jul 2, 2026 ↗ |
Vanguard Capital Management LLCInstitution | 4.10% | 385,181 | 13Fas of Jun 30, 2026 |
Manufacturers Life Insurance Company, theInstitution | 3.61% | 339,510 | 13Fas of Jun 30, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 25, 2026 | Jane S. Sosebee | director | +1,250 | $33.95 |
| Aug 24, 2026 | Fred Joseph Deutsch | director, officer: Executive Vice President | −7,936 | $34.00 |
| Aug 21, 2026 | Fred Joseph Deutsch | director, officer: Executive Vice President | −963 | $34.00 |
| Jul 28, 2026 | Fred Joseph Deutsch | director, officer: Executive Vice President | −10,000 | $34.52 |
| Feb 2, 2026 | E. Leland Reynolds | director | +500 | $29.67 |
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ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Community | $33.70 | −0.56% | $318.0M | 12.6 | 10.5 | 2.6 | +28.7% |
| United Community Banks | $35.14 | +0.46% | $4.19B | 11.5 | 11.5 | 2.7 | +9.8% |
| SouthState | $106.29 | +0.02% | $10.31B | 11.2 | 10.8 | 3.2 | +1.2% |
| Ameris Bancorp | $84.97 | −0.03% | $5.72B | 15.4 | 12.6 | 3.4 | +5.7% |
| Pinnacle Financial Partners | $100.10 | +0.02% | $15.11B | 12.3 | 9.3 | 3.1 | +145.2% |
| Southern First Bancshares | $63.24 | +1.04% | $591.6M | 13.4 | 11.4 | 2.8 | +25.3% |
| Colony Bankcorp | $21.36 | +0.28% | $450.5M | 12.9 | 10.1 | 2.8 | +27.8% |
| ServisFirst Bancshares | $42.78 | +1.06% | $4.62B | 14.4 | 12.3 | 4.5 | +27.6% |
| Median | 12.9 | 11.4 | 3.1 | +25.3% |