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First Community (FCCO) earnings and revenue breakdown

Latest: Q2 2026 · 10-Q filed Aug 12, 2026 · First Community (FCCO) Q2 2026 earnings results →

Q2 2026 Revenue up 29% year over year to $25.1M · 30¢ of every $1 of revenue kept as net profit · operating margin 38.7%

First Community made $25.1M in Q2 2026 (+29% Y/Y). Operating margin 38.7%, net earnings $7.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 12, 2026.

Revenue$25.1M
Year over year+29%
Operating margin38.7%
Net earnings$7.6M
Operating cash flow−$2.2M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $25.1M in Q2 2026, up 29% year over year and up 9% from the previous quarter.

Operating profit was $9.7M, a 38.7% margin (up 4.5 points year over year). Of the extra revenue versus Q2 2025, 54% reached operating profit, above the 34% margin then. Total costs grew 20% against revenue growth of 29%. Net earnings were $7.6M, up 46% year over year. The effective tax rate was 22.0%.

Operating cash flow was −$2.2M. Non-cash charges added back $368K of share-based compensation. Working capital and other items used $10.1M. Capital expenditures of $236K exceeded it, leaving free cash flow of −$2.4M.

Quarterly history

First Community revenue by quarterFirst Community revenue by quarter$17.5MQ4 2024$18.4MQ1 2025$19.5MQ2 2025$20.5MQ3 2025$20.6MQ4 2025$23.2MQ1 2026$25.1MQ2 2026
First Community net earnings by quarterFirst Community net earnings by quarter$4.2MQ4 2024$4.0MQ1 2025$5.2MQ2 2025$5.2MQ3 2025$4.8MQ4 2025$5.5MQ1 2026$7.6MQ2 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q2 202610-QAug 12, 2026$25.1M+29%38.7%$7.6M−$2.2M
Q1 202610-QMay 15, 2026$23.2M+26%25.6%$5.5M−$2.4M
Q4 202510-KMar 16, 2026$20.6M+18%31.1%$4.8M$3.3M
Q3 202510-QNov 7, 2025$20.5M+20%32.2%$5.2M$9.2M
Q2 202510-QAug 8, 2025$19.5M+20%34.2%$5.2M−$270K
Q1 202510-QMay 9, 2025$18.4M+20%28.2%$4.0M$6.5M
Q4 202410-KMar 14, 2025$17.5M+15%30.9%$4.2M−$4.3M

Charts

First Community: revenue growth, year over year and quarter over quarterFirst Community: revenue growth, year over year and quarter over quarterY/YQ/Q+15%Q4 2024+20%+5%Q1 2025+20%+6%Q2 2025+20%+5%Q3 2025+18%+1%Q4 2025+26%+12%Q1 2026+29%+9%Q2 2026
Latest (Q2 2026): Y/Y +29%, Q/Q +9%.
First Community: where the cash came from (+) and went (−), TTM to Q2 2026First Community: where the cash came from (+) and went (−), TTM to Q2 2026Other investing−$58.3MOther financing$35.9MCash drawn (+) / kept (−)$21.3MOperating cash flow$7.6MDividends−$5.4MCapital spending−$1.0M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
First Community: profit against cash, quarter by quarterFirst Community: profit against cash, quarter by quarterNet incomeOperating cash flow$3.9M$10.8MQ3 2024$4.2M−$3.6MQ4 2024$4.0M$6.5MQ1 2025$5.2M$61KQ2 2025$5.2M$8.8MQ3 2025$4.8M$3.3MQ4 2025$5.5M−$2.4MQ1 2026$7.6M−$2.2MQ2 2026
Latest (Q2 2026): Net income $7.6M, Operating cash flow −$2.2M.
First Community: diluted shares by fiscal yearFirst Community: diluted shares by fiscal year7MFY20208MFY20218MFY20228MFY20238MFY20248MFY2025
+3.7% since FY2020: more shares outstanding (issuance, stock pay).
First Community in its industry: growth against margin (133 companies, SIC 6022)First Community in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFFCCO (+29%, 39%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About First Community

First Community Corporation, a bank holding company registered under the Bank Holding Company Act of 1956, was incorporated under the laws of South Carolina in November 1994 primarily to own and control all of the capital stock of First Community Bank, which commenced operations in August 1995. The Bank’s primary federal regulator is the Federal Deposit Insurance Corporation (the “FDIC”). The Bank is also regulated and examined by the South Carolina Board of Financial Institutions (the “S.C. Board”). Unless otherwise mentioned or unless the context requires otherwise, references herein to “First Community,” “we,” “us,” “our” or similar references mean First Community Corporation and its consolidated subsidiaries. References to the “Bank” means First Community Bank.

In its own words, from its 10-K, filed Mar 16, 2026.

First Community against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +29% against the peers' median +12%. Operating margin: 38.7% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
FCCO First CommunityQ2 2026$25.1M+29%38.7%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: First Community 10-Q on SEC EDGAR · CIK 932781 · State Commercial Banks

13F: who owns FCCO and who is buying

Largest holders of FCCO (13F)Largest holders of FCCO (13F)BlackRock$22.5MVanguard Group$12.8MVanguard Capital Management LLC$12.6MManufacturers Life Insurance Comp…$11.1MFifth Third Wealth Advisors LLC$9.3MMaltese Capital Management LLC$8.2MAlliancebernstein L.P.$7.8MDimensional Fund Advisors LP$7.7MGeode Capital Management, LLC$7.5MRenaissance Technologies LLC$5.9M
Funds' net buying of FCCO by quarter (13F)Funds' net buying of FCCO by quarter (13F)$2.0M2024-09−$8.3M2024-12$4.5M2025-03$7.0M2025-06−$472K2025-09$1.7M2025-12$19.1M2026-03$11.9M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FCCO

History

Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results

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