First Community Financial Corporation (FMFP) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of First Community Financial Corporation $11.12, price $12.93, upside -14.0%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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First Community Financial Corporation
FMFP · USWeak valuationQuality is weak on top of the rich price.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $9.31 – $20.98 · fair‑value band $8.34 – $13.91 · the $12.93 price screens above the $11.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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 $11.12, implying the stock looks roughly 16.3% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $11.93 per share, and 0 of the 6 models we run sit above the $12.93 price.
Bear case: the Dividend Discount group reads lowest at $1.29, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $8.34 (bear) to $13.91 (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 49/100 (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 · P/E ratio 17.5 · P/S ratio 1.03 · EPS (TTM) $0.7400 · Dividend yield 0.9% · Net margin 5.9% · Return on equity 4.5% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −14%, FMFP screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 45 · Market factors (momentum, volatility) 56
Revenue & earnings trend
Growth Forecast
FMFP screens 16% overvalued. Compare with DBS Group →
Compare First Community Financial Corporation with another stock
Price, fair value, quality and upside side by side.
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 · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Frequently asked questions
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Key figures of First Community Financial Corporation
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