First Community (FCCO) Reports Q3 Earnings: What Key Metrics Have to Say

Core Insights - First Community (FCCO) reported a revenue of $20.46 million for the quarter ended September 2025, marking a year-over-year increase of 20.5% and exceeding the Zacks Consensus Estimate of $19.87 million by 2.98% [1] - The earnings per share (EPS) for the same period was $0.72, compared to $0.50 a year ago, resulting in an EPS surprise of 7.46% against the consensus estimate of $0.67 [1] Financial Performance Metrics - The net interest margin (taxable equivalent) was reported at 3.3%, aligning with the two-analyst average estimate of 3.3% [4] - The efficiency ratio stood at 64.4%, slightly above the average estimate of 64.2% based on two analysts [4] - Total non-interest income reached $4.47 million, surpassing the average estimate of $3.97 million from two analysts [4] Stock Performance - Over the past month, shares of First Community have returned -6.2%, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]