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

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First Community (FCCO - Free Report) reported $20.46 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 20.5%. EPS of $0.72 for the same period compares to $0.50 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $19.87 million, representing a surprise of +2.98%. The company delivered an EPS surprise of +7.46%, with the consensus EPS estimate being $0.67.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how First Community performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net interest margin (taxable equivalent): 3.3% versus the two-analyst average estimate of 3.3%.
  • Efficiency Ratio: 64.4% compared to the 64.2% average estimate based on two analysts.
  • Total Non-Interest Income: $4.47 million compared to the $3.97 million average estimate based on two analysts.

View all Key Company Metrics for First Community here>>>

Shares of First Community have returned -6.2% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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