First Community Financial (FMFP) Stock Overview

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. More details

FMFP fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	5/6
Dividends	1/6

Rewards

Earnings grew by 1302.5% over the past year

Risk Analysis

Shares are highly illiquid

Earnings have declined by 31.7% per year over past 5 years

Does not have a meaningful market cap ($40M)

FMFP Community Fair Values

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First Community Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Community Financial
Historical stock prices
Current Share Price	US$15.00
52 Week High	US$15.00
52 Week Low	US$9.49
Beta	-0.12
1 Month Change	13.64%
3 Month Change	20.97%
1 Year Change	n/a
3 Year Change	-31.82%
5 Year Change	-31.03%
Change since IPO	-37.50%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FMFP	US Banks	US Market
7D	5.5%	-2.3%	-1.4%
1Y	n/a	25.7%	16.0%

Return vs Industry: Insufficient data to determine how FMFP performed against the US Banks industry.

Return vs Market: Insufficient data to determine how FMFP performed against the US Market.

Price Volatility

Is FMFP's price volatile compared to industry and market?
FMFP volatility
FMFP Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	6.4%
10% most volatile stocks in US Market	16.4%
10% least volatile stocks in US Market	2.9%

Stable Share Price: FMFP's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FMFP's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1864	n/a	Scott Fritz	pennian.bank

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.

First Community Financial Corporation Fundamentals Summary

How do First Community Financial's earnings and revenue compare to its market cap?
FMFP fundamental statistics
Market cap	US$40.24m
Earnings (TTM)	US$1.67m
Revenue (TTM)	US$21.24m

25.4x

P/E Ratio

1.0x

P/B Ratio

Is FMFP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FMFP income statement (TTM)
Revenue	US$21.24m
Cost of Revenue	US$0
Gross Profit	US$21.24m
Other Expenses	US$19.57m
Earnings	US$1.67m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.59
Gross Margin	100.00%
Net Profit Margin	7.86%
Debt/Equity Ratio	77.0%

How did FMFP perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

15%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/12/31 21:07
End of Day Share Price	2025/12/31 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Community Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.