First Community Financial Corporation (FMFP) Fair Value & Analysis
Financial Services · US · Market cap $40.0M
Fair value as of: Jun 26, 2026
Analysis
First Community Financial Corporation (FMFP) currently trades at $14.14, while our model-based Fair Value estimate is $9.64 — implying the stock looks roughly 31.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
About the company
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 managem…
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.