OTCPK:FMFP

Stock Analysis Report

First Community Financial

Executive Summary

First Community Financial Corporation operates as a bank holding company for Pennian Bank that provides various banking and financial services for residents and businesses in Pennsylvania.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • First Community Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has First Community Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:FMFP

-1.8%

US Banks

0.2%

US Market


1 Year Return

n/a

OTCPK:FMFP

-15.3%

US Banks

-0.7%

US Market

No trading data on FMFP.

No trading data on FMFP.


Share holder returns

FMFPIndustryMarket
7 Day0%-1.8%0.2%
30 Day0%-6.4%-2.7%
90 Day3.8%-4.0%1.6%
1 Yearn/a-12.9%-15.3%1.6%-0.7%
3 Year47.5%35.0%41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is First Community Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is First Community Financial undervalued based on future cash flows and its price relative to the stock market?

18.01x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

First Community Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

First Community Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

First Community Financial is overvalued based on earnings compared to the US Banks industry average.

First Community Financial is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for First Community Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

First Community Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is First Community Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if First Community Financial is high growth as no revenue estimate data is available.

First Community Financial's earnings are expected to grow by 5.5% yearly, however this is not considered high growth (20% yearly).

Unable to compare First Community Financial's revenue growth to the United States of America market average as no estimate data is available.

First Community Financial's earnings growth is positive but not above the United States of America market average.

First Community Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if First Community Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has First Community Financial performed over the past 5 years?

-0.03%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

First Community Financial's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

First Community Financial's 1-year earnings growth exceeds its 5-year average (17.8% vs -0%)

First Community Financial's earnings growth has not exceeded the US Banks industry average in the past year (17.8% vs 34.7%).


Return on Equity

First Community Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

First Community Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if First Community Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is First Community Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

First Community Financial has an acceptable proportion of non-loan assets held.

First Community Financial has a sufficient allowance for bad loans.

First Community Financial's liabilities are made up of primarily low risk sources of funding.

First Community Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at First Community Financial are broadly funded by customer deposits.

First Community Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is First Community Financial's current dividend yield, its reliability and sustainability?

2.52%

Current Dividend Yield


Dividend Yield and Payments Analysis

First Community Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.43%).

First Community Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.73%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.2x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of First Community Financial's salary, the management and board of directors tenure and is there insider trading?

7.0yrs

Average management tenure


CEO

Scott Fritz (49yo)

7.0yrs

Tenure

US$195,522

Compensation

Mr. Scott E. Fritz has been the Chief Executive Officer and President at First Community Financial Corp. and its subsidiary Pennian Bank (Formerly known as The First National Bank of Mifflintown) since Jul ...


CEO Compensation Analysis

Insufficient data for Scott to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

Scott's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

7.0yrs

Average Tenure

63yo

Average Age

The average tenure for the First Community Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

10.1yrs

Average Tenure

64.5yo

Average Age

The average tenure for the First Community Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month individual insider trading information.


Ownership Breakdown


Management Team

  • Lowell Shearer (72yo)

    Secretary & Director

    • Tenure: 21.8yrs
    • Compensation: US$17.19k
  • Rich Leitzel (63yo)

    Treasurer

    • Tenure: 0.0yrs
    • Compensation: US$145.75k
  • Diane Zeiders

    • Tenure: 0.0yrs
  • Bill Feist

    Senior VP & Chief Lending Officer

    • Tenure: 1.3yrs
  • Scott Fritz (49yo)

    President

    • Tenure: 7.0yrs
    • Compensation: US$195.52k
  • G. Davey

    • Tenure: 0.0yrs
  • Tina Shirey

    • Tenure: 0.0yrs
  • Heather Miltenberger

    • Tenure: 0.0yrs
  • Jenny Mahoney

    Assistant Secretary

    • Tenure: 10.5yrs
  • Candice Hull

    • Tenure: 2.3yrs

Board Members

  • Matthew Ford (49yo)

    Director

    • Tenure: 2.5yrs
  • John Henry (65yo)

    Chairman of the Board

    • Tenure: 11.5yrs
    • Compensation: US$32.23k
  • Jim McLaughlin (78yo)

    Chairman Emeritus and Chairman Emeritus of First National Bank of Mifflintown

    • Tenure: 0.0yrs
    • Compensation: US$67.57k
  • Roger Shallenberger (71yo)

    Vice Chairman of the Board of Directors

    • Tenure: 18.3yrs
    • Compensation: US$19.10k
  • Lowell Shearer (72yo)

    Secretary & Director

    • Tenure: 21.8yrs
    • Compensation: US$17.19k
  • Timothy Stayer (66yo)

    Director

    • Tenure: 6.6yrs
    • Compensation: US$153.10k
  • David Swartz (58yo)

    Director

    • Tenure: 11.9yrs
    • Compensation: US$16.44k
  • Scott Fritz (49yo)

    President

    • Tenure: 7.0yrs
    • Compensation: US$195.52k
  • David McMillen (64yo)

    Director

    • Tenure: 10.1yrs
    • Compensation: US$16.66k
  • Daniel Brown (59yo)

    Director

    • Tenure: 7.6yrs
    • Compensation: US$18.74k

Company Information

First Community Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: First Community Financial Corporation
  • Ticker: FMFP
  • Exchange: OTCPK
  • Founded: 1864
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$76.359m
  • Shares outstanding: 2.83m
  • Website: https://www.pennianbank.com

Number of Employees


Location

  • First Community Financial Corporation
  • Two North Main Street
  • Mifflintown
  • Pennsylvania
  • 17059
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FMFPOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 2004

Biography

First Community Financial Corporation operates as a bank holding company for Pennian Bank that provides various banking and financial services for residents and businesses in Pennsylvania. The company offe ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/07/29 23:50
End of Day Share Price2019/05/01 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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 here.