Filing Flows › First Community (FCCO) › Q4 2025
First Community (FCCO) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 16, 2026
First Community (FCCO) reported revenue of $20.6M for the fourth quarter 2025 (Q4 2025), +18% from a year earlier and +0.7% from the quarter before. Operating margin was 31.1%, net earnings $4.8M (23.4% of revenue).
First Community, Q4 2025: revenue $20.6M (+18% year over year), operating margin 31.1%, net earnings $4.8M, operating cash flow $3.3M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $20.6M | +0.7% | +18% |
| Operating profit | $6.4M | -3% | +19% |
| Net earnings | $4.8M | -7% | +14% |
| Operating cash flow | $3.3M | -64% | — |
| Free cash flow | $2.8M | -70% | — |
What changed
Revenue was $20.6M in Q4 2025, up 18% year over year and up 1% from the previous quarter.
Operating profit was $6.4M, a 31.1% margin (up 0.2 points year over year). Of the extra revenue versus Q4 2024, 32% reached operating profit, above the 31% margin then. Total costs grew 18% against revenue growth of 18%. The fastest-growing cost line was Credit loss provision (+52%). Net earnings were $4.8M, up 14% year over year. The effective tax rate was 24.6%.
Operating cash flow was $3.3M, 69% of net earnings. Non-cash charges added back $520K of share-based compensation. Working capital and other items used $2.0M. Capital expenditures of $570K left free cash flow of $2.8M.
Questions
What was First Community's revenue in the fourth quarter 2025?
First Community (FCCO) reported revenue of $20.6M for the fourth quarter 2025 (Q4 2025), +18% from a year earlier and +0.7% from the quarter before.
Was First Community profitable in the fourth quarter 2025?
Operating profit was $6.4M (31.1% of revenue) and net earnings $4.8M.
Source: First Community 10-K on SEC EDGAR.