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First Community Financial Corporation (FMFP) fair value: what the stock is really worth

As of Oct 27, 2026: fair value (intrinsic value) of First Community Financial Corporation stock $12.49, price $12.93, that is 3.4% below the price, quality 48 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FC First Community Financial Corporation logo Broad data Nov 8, 2026

First Community Financial Corporation

FMFP · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

0.9% dividend yield · Low payout
Broad data
Revenue last quarter +17% vs. a year ago.
Fair value $12.49 · Fairly valued
Quality 48/100
Mixed Growth (revenue YoY +82.0 %/yr in USD)
Thin margins · 8.5% net margin (TTM)
Trails peers (4/14)
Narrow moat 32/100 · thin data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$20.89 $9.26 Fair Value $12.49 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $9.26 – $20.89 · fair‑value band $10.52 – $16.24 · the $12.93 price screens above the $12.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

First Community Financial Corporation operates as a bank holding company for Pennian Bank that provides various banking and related financial services for consumer and commercial customers in Pennsylvania, the United States.

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The company offers checking, savings, and money market accounts; health savings and individual retirement accounts; certificates of deposit; commercial and industrial, commercial real estate, residential, and consumer loans, as well as home equity lines of credit; and agricultural loans comprising lines of credit, term loans, operating loans, livestock financing, farm purchase loans, and loans for improvement.

It also provides business loans, such as commercial lines of credit, commercial real estate, commercial term loans, small business loans, and additional business loans; and professional practice loans in healthcare, accounting, legal services, and veterinary practices.

In addition, the company offers wealth management services, including investment management, financial planning, trust and estate services, and retirement planning options; credit and debit cards; safe deposit box, ATM, stop payment, wire transfer, and foreign currency order; remote deposit capture, automated clearing house, positive pay, autobooks, and merchant services; and online services, such as mobile deposit and wallet, digital banking, eStatements, and telebanc services.

Further, it provides auto insurance products for cars, motorcycles, boats, recreational vehicles, and others; business insurance for general liability, commercial property, business owners, cyber liability, and workers' compensation; and home and property insurance for dwelling, personal property, liability protection, other structures, and renters insurance.

First Community Financial Corporation was founded in 1864 and is based in Mifflintown, Pennsylvania.

Stock analysis

First Community Financial Corporation (FMFP) currently trades at $12.93, while our model-based Fair Value estimate is $12.49, so the stock looks roughly fairly valued today (gap 3.5%).

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Valuation

Bull case: the Multiples group reads highest at a median of $14.03 per share, and 1 of the 6 models we run sit above the $12.93 price.

Bear case: the Dividend Discount group reads lowest at $1.67, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $10.52 (bear) to $16.24 (bull), the price of $12.93 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

First Community Financial Corporation reported revenue of $35.4M in FY2025 versus $24.6M in FY2021, a compound +9.6%/yr. Reported net income was $2.1M in FY2025, compounding −20.2%/yr from FY2021.

Key figures

Market cap $36.6M Micro · P/E ratio 17.5 · P/S ratio 1.58 · EPS (TTM) $0.7400 · Dividend yield 0.9% · Net margin 8.5% · Return on equity 4.5% · Return on assets (EBIT) 0.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −3%, FMFP screens cheaper than that median.

Fair Value models

Bear $10.52 Fair Value $12.49 Bull $16.24
Price $12.93 · Downside -3.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.5402 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $12.49 $12.49 $13.19 76
DDM Multi-Stage $0.8600 $1.46 $1.96 66
Gordon GGM $0.8600 $1.88 $3.16 65
All 6 models by family
Dividend Discount
Gordon GGM $0.8600 $1.88 $3.16 65
DDM Multi-Stage $0.8600 $1.46 $1.96 66
Multiples
P/E Multiple $7.23 $9.64 $12.05 63
P/B Multiple $13.81 $18.42 $23.02 55
Asset-Based
NCAV (Graham) $8.12 $10.88 $16.24 54
Economic Profit
Residual Income $12.49 $12.49 $13.19 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 18
How much profit the company makes from its sales and capital
Quality Growth 46
Are margins and returns getting better?
Cashflow 56
Do the profits arrive as real cash?
Financial strength 15
Debt, balance sheet and risk of trouble
Investment 86
Does it invest with discipline instead of growing at any price?
Low Volatility 95
How calm the share price moves, does not count
Price momentum 31
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 32
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−19.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−20.2%
Dividend (yield on the price)0.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−12.4% vs −6.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.20% → 5%
2025 sits 75% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 4/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −3.4% · Above median
Profitability
Return on equity (12 months) 4.5% · Bottom 25%
Return on assets 0.3% · Bottom 25%
Net margin (12 months) 8.5% · Bottom 25%
Operating margin (12 months) 12.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 17.3% · Above median
Dividend yield (12 months) 0.9% · Bottom 25%
Balance sheet
Debt / equity 0.44× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 17.5× · Priciest 25%
P/B 0.80× · Cheapest 25%
P/S (12 months) 1.58× · Cheapest 25%
Price / free cash flow (fiscal year) 14.3× · Pricier than median
EV/EBITDA 11.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)29 · sector 8
FUTURE (revenue growth)87 · sector 47
PAST (return on equity)18 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)17 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs FMFP
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs FMFP
BNP Paribas SA BNP €91.93 €106.01 +15% vs FMFP
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs FMFP
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs FMFP
UniCredit S.p.A UCG €76.80 €50.44 −34% vs FMFP
Mizuho Financial Group MFG $9.40 $5.89 −37% vs FMFP
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FMFP
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs FMFP
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs FMFP

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First Community Financial Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "First Community Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/FMFP

Frequently asked questions

Is First Community Financial Corporation (FMFP) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $12.49 versus the last price from Oct 27, 2026 of $12.93, about 3% lower (fairly valued).
What is the fair value of FMFP?
Our model-based fair value for First Community Financial Corporation is $12.49 (as of Nov 8, 2026), built from audited fundamentals. Last price (from Oct 27, 2026): $12.93.
What is the quality score of FMFP?
First Community Financial Corporation has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for First Community Financial Corporation (FMFP)?
Our model-based price target is the fair value of $12.49 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $10.52, optimistic scenario $16.24. It is a calculation from audited fundamentals, not an analyst target.
What is the First Community Financial Corporation stock forecast for 2026?
Our models put fair value at $12.49, about 3% lower versus the last price from Oct 27, 2026 of $12.93 (fairly valued). Cautious scenario $10.52, optimistic scenario $16.24. The calculation is refreshed regularly with new filings.
What is the revenue of First Community Financial Corporation (FMFP)?
First Community Financial Corporation reported trailing-twelve-month revenue of about $23.1M (latest available figure, as of Nov 8, 2026).
Does First Community Financial Corporation pay a dividend?
First Community Financial Corporation currently shows a dividend yield of 0.85% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of First Community Financial Corporation (FMFP) and when is the ex-dividend date?
First Community Financial Corporation pays a dividend of $0.11 per share a year, a dividend yield of 0.9%. The last ex-dividend date was Oct 27, 2026. The payout ratio is 14.9% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of First Community Financial Corporation (FMFP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For First Community Financial Corporation it is $12.49 per share (as of Nov 8, 2026), against a price of $12.93. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is First Community Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 8, 2026, FMFP trades above its calculated fair value: price $12.93, fair value $12.49, a gap of about −3% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FMFP?
No. The price is what the market pays today ($12.93); the fair value is what the company's own numbers justify ($12.49). For First Community Financial Corporation the two are $0.4400 per share apart. That gap is exactly why we show both numbers side by side.
How much is First Community Financial Corporation worth?
The market values First Community Financial Corporation at about $36.6M (market capitalisation, as of Nov 8, 2026). Per share that is $12.93; our models calculate a fair value of $12.49 per share.
What do the bullish and bearish scenarios say about FMFP?
Our models span a range for First Community Financial Corporation: cautious scenario $10.52, base $12.49, optimistic $16.24 per share (as of Nov 8, 2026, price $12.93). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FMFP?
First Community Financial Corporation trades at a price-to-earnings ratio of 17.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.49 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 16.5. Other multiples: P/B 0.8, P/S 1.6, EV/EBITDA 11.9.
How solid is the balance sheet of First Community Financial Corporation (FMFP)?
Balance-sheet figures for First Community Financial Corporation (as of Nov 8, 2026): return on equity 4.5%, debt of 0.44 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is FMFP from its 52-week high?
First Community Financial Corporation trades at $12.93, about 12% below its 52-week high of $14.74 and 7% above the low of $12.07 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.49 is for.
Which stocks are comparable to First Community Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is First Community Financial Corporation stock attractive at the current price?
The data as of Nov 8, 2026: price $12.93, calculated fair value $12.49 (−3%), Quality Score 48/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FMFP calculated?
We run First Community Financial Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.49 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. First Community Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of First Community Financial Corporation (FMFP)?
The latest price we hold is from Oct 27, 2026 and stands at $12.93. Our model-based fair value is $12.49, about 3% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with First Community Financial Corporation right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of First Community Financial Corporation (FMFP) come from?
Earnings per share at First Community Financial Corporation grew −10.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.9 %, EBIT margin −17.4 %, tax rate +2.4 %, residual (interest, one-offs) +1.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of First Community Financial Corporation

How large is the market capitalisation of First Community Financial Corporation (FMFP)?
The market capitalisation of First Community Financial Corporation is $36.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of First Community Financial Corporation (FMFP)?
The price-to-sales ratio of First Community Financial Corporation is 1.58 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of First Community Financial Corporation (FMFP)?
Earnings per share at First Community Financial Corporation are $0.7400 (price ÷ EPS = P/E 17.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of First Community Financial Corporation (FMFP)?
The dividend yield of First Community Financial Corporation is 0.9% (payout 14.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of First Community Financial Corporation (FMFP)?
The net margin of First Community Financial Corporation is 8.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of First Community Financial Corporation (FMFP)?
The return on equity (ROE) of First Community Financial Corporation is 4.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of First Community Financial Corporation (FMFP)?
On an EBIT basis the return on assets of First Community Financial Corporation is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of First Community Financial Corporation (FMFP)?
The operating margin of First Community Financial Corporation is 12.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at First Community Financial Corporation (FMFP)?
Revenue at First Community Financial Corporation is growing +17.3% versus a year earlier (3y avg +9.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at First Community Financial Corporation (FMFP)?
Earnings per share at First Community Financial Corporation are growing +3.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does First Community Financial Corporation (FMFP) generate?
The free cash flow of First Community Financial Corporation is $2.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does First Community Financial Corporation (FMFP) carry?
The net debt of First Community Financial Corporation is $10.8M (fiscal year 2025, ≈ 4.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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