Core Insights - First Community (FCCO) reported revenue of $17.47 million for the quarter ended December 2024, reflecting a year-over-year increase of 14.7% and a surprise of +2.16% over the Zacks Consensus Estimate of $17.1 million [1] - Earnings per share (EPS) for the quarter was $0.55, compared to $0.43 in the same quarter last year, resulting in an EPS surprise of +10.00% against the consensus estimate of $0.50 [1] Financial Performance Metrics - The net interest margin (taxable equivalent) was reported at 3%, aligning with the average estimate from two analysts [4] - The efficiency ratio stood at 66.7%, better than the average estimate of 69.5% based on two analysts [4] - Total non-interest income reached $3.61 million, exceeding the average estimate of $3.52 million from two analysts [4] Stock Performance - Over the past month, shares of First Community have returned -0.9%, while the Zacks S&P 500 composite has increased by +2.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]
First Community (FCCO) Reports Q4 Earnings: What Key Metrics Have to Say