First Community Corporation (FCCO): fair value, margin of safety and Wheel Score

Is FCCO undervalued?

At 33.67 (close of 5 Nov 2026), FCCO trades within a few percent of the GLS average fair value of 34.27 (1.8% below fair value). 8 models produced a value and they split 3 above the price to 5 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.

There is a wide gap between DDM (9.71) and DCF (70.61). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for FCCO, so the nightly engine files it under Blend (value score 52, growth score 56, out of 100).

Nine valuation models for FCCO

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

First Community Corporation scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability FCCO scores 6.1/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are moderate - ROIC 6.6%, ROE 11.5%, ROA 0.9% - with debt at 0.74 times equity and negative free cash flow.

The dividend yield is 1.96% at a payout ratio of 16%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.

Institutional ownership scores 8/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 25 Aug 2026.

Wheel Score 20: No options

No options are listed on First Community Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 20, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 60k shares a day on a market cap of $316M, with a beta of 0.34 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 27 Jan 2027, 83 days away - outside the window of a 30-45-day put sold today.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to First Community Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare FCCO with 7 of them   All Financial Services stocks →