First Community Corp. /SC/ (FCCO) intrinsic value & 10-year financials
First Community Corp. /SC/ (FCCO) has a Graham intrinsic value of $82.04 per share. At $32.54 on Oct 17, 2026, the stock trades 60% below that value. Over the last 10 fiscal years revenue shrank 4.6% a year to $922.0K, with an average return on invested capital of 9.6%.
- Graham intrinsic value
- $82.04
- Share price (Oct 17, 2026)
- $32.54
- Price vs Graham value
- 60% below
- Market cap
- $252.5M
- Revenue (FY2025)
- $922.0K
- Revenue growth (10-yr CAGR)
- -4.6%
- ROIC (10-yr avg)
- 9.6%
- Free cash flow (FY2025)
- $17.6M
FCCO 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $922.0K | $19.2M | $2.47 | $17.6M | — | 12.3% |
| FY2024 | $952.0K | $14.0M | $1.81 | $9.8M | — | 10.1% |
| FY2023 | $963.0K | $11.8M | $1.55 | $11.2M | — | 9.5% |
| FY2022 | $960.0K | $14.6M | $1.92 | $20.9M | — | 11.3% |
| FY2021 | $977.0K | $15.5M | $2.05 | $57.1M | — | 11.2% |
| FY2020 | $1.1M | $10.1M | $1.35 | -$18.1M | — | 7.9% |
| FY2019 | $1.6M | $11.0M | $0.00 | $2.2M | — | 9.4% |
| FY2018 | $1.8M | $11.2M | $0.00 | $18.7M | — | 10.3% |
| FY2017 | $1.5M | $5.8M | $0.00 | $15.3M | — | 6.2% |
| FY2016 | $1.4M | $6.7M | $0.00 | $3.9M | — | 8.2% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
FIRST COMMUNITY CORP /SC/ is facing top-line stagnation, with revenue contracting over the decade.
FIRST COMMUNITY CORP /SC/ returns on capital have been average, hovering around 9.6% ROIC over the decade.
FIRST COMMUNITY CORP /SC/ has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, FIRST COMMUNITY CORP /SC/ is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $82.04 per share.