FCCO
First Community Corporation31.17
-0.01-0.03%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
239.69MP/E (TTM)
12.99Basic EPS (TTM)
2.40Dividend Yield
0.02%Recent Filings
10-K
FY2025 results
First Community Corporation closed FY2025 ended December 31, 2025 with $2.1B assets, $1.3B loans up 7.4% y/y, and $1.7B deposits up 4.4% y/y, driving net income to $19.2M or $2.47 diluted EPS—up 37.7% y/y from $14.0M. Net interest income surged 19.2% to $62.0M on 7.8% average earning asset growth to $1.9B and 31bp NIM expansion to 3.23% (derived), fueled by loan yields rising to 5.79% while deposit costs fell to 1.80%. Noninterest income climbed 21.0% to $16.9M on mortgage banking and advisory fees, though expenses rose 12.4% to $53.3M including merger costs. Q4 accelerated loan growth exceeded deposit gains, lifting loan-to-deposit to 75.5%. Solid. CRE concentration warrants watch.
8-K
Q4 earnings, dividend, acquisition close
First Community Corporation posted Q4 2025 net income of $4.830 million ($0.62 diluted EPS), up 37.6% yearly to $19.205 million despite merger costs; adjusted figures hit $5.357 million and $2.62 EPS. Loans grew 9.8% annualized to $1.311 billion, NIM expanded to 3.32% for seventh straight quarter, while asset quality shines at 0.02% NPAs. Board approved $0.16/share dividend—96th consecutive—and $7.5 million buyback. Signature Bank of Georgia acquisition closed January 8, 2026, adding SBA lending amid integration risks.
8-K
Merger closes, assets top $2.3B
First Community Corporation closed its merger with Signature Bank of Georgia on January 8, 2026, issuing 0.6410 shares of its common stock per Signature share—no dissenters. The deal, valued at $50.0 million as of December 31, 2025, boosts assets over $2.3 billion across 23 offices. Freddie Deutsch and Jonathan Been joined the board; systems convert in March. Integration risks loom.
8-K
2026 earnings dates set
First Community Corporation disclosed its 2026 earnings release dates under Item 7.01, starting with Q4 2025 results on January 28, followed by Q1 on April 22, Q2 on July 22, and Q3 on October 21—all at 9:00 a.m. ET. No financial figures or guidance provided. Routine transparency aids investor planning.
8-K
Merger approvals secured
First Community Corporation secured FDIC and South Carolina regulatory approvals on November 26, 2025, for Signature Bank of Georgia's merger into First Community Bank, following shareholder nods. With closing conditions pending, the deal eyes Q1 2026 completion. Integration risks loom large. Approvals clear the path.
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