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First Community Financial Corporation (FMFP) Fair Value & Analysis

Financial Services · US · Market cap $40.0M

Price$14.14
Fair Value$9.64
Upside-31.8%
Quality95/100
Evidence: High Range $7.23 – $12.05

Fair value as of: Jun 26, 2026

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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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Frequently asked questions

Is First Community Financial Corporation (FMFP) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $9.64 versus a price of $14.14 — about −32% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FMFP?
Our 21-model fair value for First Community Financial Corporation is $9.64 (as of Jun 26, 2026), built from audited fundamentals. The current price is $14.14.
What is the quality score of FMFP?
First Community Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.