Valuation, from the filing
| Public float | $178.81M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-06-30 |
|---|---|---|
| Float per share | $19.05 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 9.3× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / revenue | 193.9× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 1.1× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
Valuation over time
9.3× earnings today, against a median of 10.7× across 10 years on record. Below its own history.
| Float measured | Public float | Float / net income | |
|---|---|---|---|
| 2025-06-30 | $178.81M | 9.3× | |
| 2024-06-28 | $126.16M | 9.0× | |
| 2023-06-30 | $126.57M | 10.7× | |
| 2022-06-30 | $139.33M | 9.5× | |
| 2021-06-30 | $146.38M | 9.5× | |
| 2020-06-30 | $108.91M | 10.8× | |
| 2019-06-28 | $131.89M | 12.0× | |
| 2018-06-30 | $178.25M | 15.9× | |
| 2017-06-30 | $129.60M | 22.3× | |
| 2016-06-30 | $87.34M | 13.1× |
Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.
How this compares in its industry
Percentile among the State Commercial Banks filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Net margin | 2083.0% | 100th | |
| SBC / revenue | 126.2% | 100th | |
| FCF margin | 1906.6% | 98th | |
| CapEx / revenue | 120.4% | 95th | |
| Revenue YoY growth | -3.2% | 16th | |
| Effective tax rate | 22.7% | 66th |
FIRST COMMUNITY CORP /SC/ (FCCO) reported revenue of $213.00K and net income of $7.60M for the fiscal year ended 2026-06-30. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from FIRST COMMUNITY CORP /SC/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $213.00K | $223.00K | $234.00K | $243.00K | $224.00K | $221.00K | $230.00K | $228.00K | $235.00K | $259.00K |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $7.60M | $5.50M | $4.83M | $5.19M | $5.19M | $4.00M | $4.23M | $3.86M | $3.26M | $2.60M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 9.50M | shares 9.34M | Unavailable | Unavailable | shares 7.79M | shares 7.77M | Unavailable | Unavailable | shares 7.70M | shares 7.68M |
| Pretax income | $9.74M | $5.94M | $6.41M | $6.59M | $6.68M | $5.18M | $5.40M | $5.01M | $4.04M | $3.33M |
| Income tax expense | $2.14M | $437.00K | $1.58M | $1.40M | $1.50M | $1.18M | $1.16M | $1.15M | $774.00K | $730.00K |
| Diluted EPS | $0.80 | $0.59 | Unavailable | $0.67 | $0.67 | $0.51 | Unavailable | $0.50 | $0.42 | $0.34 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total assets | $2.37B | $2.39B | $2.06B | $2.07B | $2.05B | $2.04B | $1.96B | $1.94B | $1.88B | $1.89B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $2.14B | $2.17B | $1.89B | $1.91B | $1.89B | $1.89B | $1.81B | $1.80B | $1.75B | $1.75B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $227.98M | $220.82M | $167.56M | $161.57M | $155.50M | $149.96M | $144.49M | $143.31M | $136.18M | $133.49M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $29.40M | $29.40M | $14.64M | $14.64M | $14.64M | $14.64M | $14.64M | $14.64M | $14.64M | $14.64M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$2.17M | -$2.39M | $3.32M | $8.84M | $61.00K | $6.47M | -$3.58M | $10.79M | -$292.00K | $4.70M |
| Capital expenditures | $236.00K | $96.00K | $570.00K | $122.00K | $218.00K | $200.00K | $297.00K | $179.00K | $342.00K | $279.00K |
| Investing cash flow | -$27.06M | -$908.00K | -$20.68M | -$10.68M | -$17.55M | -$31.91M | -$31.40M | -$330.00K | -$24.96M | -$10.94M |
| Financing cash flow | -$26.52M | $60.17M | -$15.18M | $11.97M | $1.10M | $75.47M | $13.31M | $49.52M | -$6.82M | $55.12M |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Stock-based compensation | $368.00K | -$96.00K | $520.00K | $314.00K | $297.00K | $34.00K | $231.00K | $241.00K | Unavailable | Unavailable |
| Common dividends paid | $1.50M | $1.50M | $1.23M | $1.23M | $1.15M | $1.15M | $1.14M | $1.14M | $1.07M | $1.06M |
| Common share repurchases | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Derived
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | -$2.40M | -$2.49M | $2.75M | $8.71M | -$157.00K | $6.27M | -$3.88M | $10.61M | -$634.00K | $4.42M |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | -1128.6% | -1114.8% | 1175.2% | 3585.6% | -70.1% | 2838.5% | -1685.2% | 4655.3% | -269.8% | 1707.7% |
| SBC / revenue | 172.8% | -43.0% | 222.2% | 129.2% | 132.6% | 15.4% | 100.4% | 105.7% | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | -4.9% | 0.9% | 1.7% | 6.6% | -4.7% | -14.7% | -15.1% | -5.0% | 6.8% | 11.6% |
| Net margin | 3565.7% | 2465.5% | 2064.1% | 2136.6% | 2315.2% | 1808.6% | 1840.0% | 1693.4% | 1389.4% | 1002.7% |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | 110.8% | 43.0% | 243.6% | 50.2% | 97.3% | 90.5% | 129.1% | 78.5% | 145.5% | 107.7% |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 22.0% | 7.4% | 24.6% | 21.2% | 22.4% | 22.9% | 21.6% | 22.9% | 19.2% | 21.9% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open FCCO in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.