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First Community (FCCT) Stock Overview

Operates as the holding company for First Community Bank of East Tennessee that provides various banking services to individuals and businesses. More details

FCCT fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 18.8% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($22M)

FCCT Community Fair Values

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First Community Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Community
Historical stock prices
Current Share Price	US$13.35
52 Week High	US$13.35
52 Week Low	US$7.95
Beta	-0.13
1 Month Change	4.30%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	48.33%
5 Year Change	144.95%
Change since IPO	-15.24%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FCCT	US Banks	US Market
7D	2.7%	0.4%	-0.3%
1Y	n/a	16.1%	13.0%

Return vs Industry: Insufficient data to determine how FCCT performed against the US Banks industry.

Return vs Market: Insufficient data to determine how FCCT performed against the US Market.

Price Volatility

Is FCCT's price volatile compared to industry and market?
FCCT volatility
FCCT Average Weekly Movement	n/a
Banks Industry Average Movement	3.6%
Market Average Movement	6.5%
10% most volatile stocks in US Market	16.4%
10% least volatile stocks in US Market	3.0%

Stable Share Price: FCCT's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FCCT's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1993	n/a	Tyler Clinch	www.fcbanktn.bank

First Community Corporation operates as the holding company for First Community Bank of East Tennessee that provides various banking services to individuals and businesses. The company offers demand and savings deposits, individual retirement accounts, checking accounts, money market and business accounts, and certificates of deposit; commercial, residential real estate, and consumer loans; and term loans and lines of credit, construction lending, equipment and machinery financing, tenant improvement financing, and government guaranteed lending, as well as loans for business expansion and asset acquisition. It provides various products and services, including safe deposit boxes, insurance products, investment products and services, Internet and mobile banking, digital banking, online bill payment, ATM/visa debit cards, telephone banking, and direct deposit services.

First Community Corporation Fundamentals Summary

How do First Community's earnings and revenue compare to its market cap?
FCCT fundamental statistics
Market cap	US$21.66m
Earnings (TTM)	US$1.85m
Revenue (TTM)	US$8.18m

11.7x

P/E Ratio

1.1x

P/B Ratio

Is FCCT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCCT income statement (TTM)
Revenue	US$8.18m
Cost of Revenue	US$0
Gross Profit	US$8.18m
Other Expenses	US$6.33m
Earnings	US$1.85m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.14
Gross Margin	100.00%
Net Profit Margin	22.62%
Debt/Equity Ratio	35.8%

How did FCCT perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

22%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/02 10:35
End of Day Share Price	2025/09/26 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Community Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.