OTC · Banks - Regional

First Community Financial Corporation (FMFP) Stock

$14.00 +0.00% OTC: FMFP Financial Services

First Community Financial Corporation (FMFP) functions as the parent entity for Pennian Bank, delivering a wide array of financial and banking solutions to individuals and businesses throughout Pennsylvania. The institution provides core personal banking services such as checking, savings, and certificates of deposit.

Valuation

MetricValue
Price$14.00
Market Cap$39.61M
P/E Ratio20.65
P/B Ratio0.88
P/S Ratio1.19
EPS (TTM)$0.68
52-Week High$15.00
52-Week Low$9.68
Dividend Yield1.71%

Financials & Margins

MetricValue
ROE4.39%
ROA0.29%
ROCE0.51%
Gross Margin70.50%
Operating Margin10.15%
Net Margin5.79%
Debt/Equity0.76
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$25.0M$27.0M$32.0M$19.0M$35.0M
Operating Profit$6.0M$6.0M$1.0M$1.0M$2.0M
Net Profit$5.0M$5.0M$1.0M$1.0M$2.0M
EPS$1.83$1.85$0.42$0.39$0.74
Op Margin23.8%22.1%3.0%7.2%5.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$698.0M$708.0M$708.0M$677.0M$665.0M
Total Liabilities$641.0M$671.0M$667.0M$638.0M$619.0M
Cash$23.0M$23.0M$13.0M$14.0M$29.0M
Borrowings$47.0M$78.0M$102.0M$49.0M$40.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$6.0M$7.0M$2.0M$2.0M$4.0M
Investing Cash Flow$-91.0M$-41.0M$-8.0M$28.0M$33.0M
Financing Cash Flow$89.0M$-5.0M$-25.0M$23.0M$-10.0M
Net Cash Flow$2.0M$-7.0M$-10.0M$1.0M$0
Free Cash Flow$6.0M$6.0M$2.0M$1.0M$3.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.55
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y37.74%
Return 3Y-20.62%
Return 5Y-25.38%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALBYCommunity Capital Bancshares, Inc. $32.33 +1.06% 8.40 $41.14M 6.34%
ANDCAndover Bancorp, Inc. $21.00 +0.00% 9.68 $41.84M 3.62%
CIZNCitizens Holding Company $10.50 +2.04% 7.24 $59.05M 0.76%
EXCHExchange Bankshares, Inc. $69.00 +0.00% 0.00 $40.62M 2.55%
HCBNHCB Financial Corp. $73.11 +0.00% 12.76 $73.11M 1.91%

About First Community Financial Corporation

First Community Financial Corporation (FMFP) functions as the parent entity for Pennian Bank, delivering a wide array of financial and banking solutions to individuals and businesses throughout Pennsylvania. The institution provides core personal banking services such as checking, savings, and certificates of deposit. Its lending portfolio includes personal, construction, and home mortgage loans, alongside home equity lines of credit. For commercial clients, FMFP offers various business loans, including lines of credit, commercial real estate financing, and improvement loans. Specialized agricultural lending is also available, covering operating lines of credit, term loans, livestock financing, farm purchases, and agricultural improvements. Furthermore, professionals in healthcare, accounting, legal, and veterinary practices can access tailored financing options. Beyond traditional banking, the company furnishes comprehensive trust and investment management services. These encompass portfolio account services, trust administration (including personal and charitable trusts), estate planning and settlement, guardianship, power of attorney assistance, investment management agency, custodial services, and retirement account management. Clients can also benefit from financial advisory services and comparisons of different trust structures. FMFP supports modern financial needs with a suite of digital and payment services. These offerings include merchant services, remote deposit capture, automated clearing house (ACH) processing, bill payment, and mobile wallet capabilities. Customers can additionally utilize online, mobile, and telephone banking platforms, and access gift, credit, and debit cards. The corporation also facilitates access to various insurance products. This covers auto insurance for vehicles like cars, motorcycles, boats, RVs, and travel trailers; home and property insurance, which protects structures, personal belongings, and provides liability coverage, including for renters; and business insurance solutions such as general and cyber liability, commercial property, business owners' policies, and workers' compensation. These services are delivered through a network of ten full-service banking offices situated in Cumberland, Juniata, and Perry Counties of Pennsylvania. First Community Financial Corporation was established in 1864 and is headquartered in Mifflintown, Pennsylvania.

First Community Financial Corporation is headquartered in US.

First Community Financial Corporation (FMFP) stock trades at $14.00 with a market capitalization of $39.61M. The stock is valued at a price-to-earnings (P/E) ratio of 20.65, price-to-book of 0.88, price-to-sales of 1.19. Over the past 52 weeks the stock has ranged between $9.68 and $15.00, and currently trades 6.7% below its 52-week high. It pays a dividend yielding 1.71%.

On profitability, First Community Financial Corporation generates a return on equity (ROE) of 4.39%, return on capital employed of 0.51%, an operating margin of 10.15%, a net profit margin of 5.79%.

Official website: pennian.bank

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