First Community Financial Corporation (FMFP) Fair Value & Analysis

Financial Services · US · Market cap $40.0M

Below-average quality, and screening another 31% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($12.05). The favourable scenario is already priced in.
• Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $9.35 – $21.07 · fair‑value band $7.23 – $12.05 · the $14.00 price screens above the $9.64 fair value. Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

First Community Financial Corporation (FMFP) currently trades at $14.00, while our model-based Fair Value estimate is $9.64, implying the stock looks roughly 31.1% overvalued today. The Quality Score stands at 49/100 (below-average 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).

Over the trailing twelve months, First Community Financial Corporation generated revenue of $22.2M at a net margin of 8.7%. Revenue grew 2.4% year over year. It earns a return on equity of 4.5%. Net debt stands at $10.8M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $7.23 (bear case) to $12.05 (bull case); at $14.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 49% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -31%, FMFP screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based ($10.88) versus Dividend Discount ($0.9300). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

FMFP screens 31% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.