How does FMFP's PE Ratio compare to its peers?

FMFP is expensive based on its Price-To-Earnings Ratio (72.8x) compared to the peer average (11.6x).

How does FMFP's PE Ratio compare vs other companies in the US Banks Industry?

FMFP is expensive based on its Price-To-Earnings Ratio (72.8x) compared to the US Banks industry average (12.4x).

What is FMFP's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate FMFP's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of FMFP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

FMFP ($12.04) is trading below our estimate of [[fair value]] ($24.98)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

FMFP Stock Overview

Operates as a bank holding company for Pennian Bank that provides various banking and financial services for residents and businesses in Pennsylvania. More details

FMFP fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	5/6
Dividends	2/6

Rewards

Trading at 51.8% below our estimate of its fair value

Risk Analysis

Earnings have declined by 24.7% per year over past 5 years

Shares are highly illiquid

Profit margins (2.6%) are lower than last year (15.3%)

Does not have a meaningful market cap ($34M)

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

First Community Financial Corporation Competitors

Touchmark Bancshares

OTCPK:TMAK

US$36.9m

Northumberland Bancorp

OTCPK:NUBC

US$34.1m

High Country Bancorp

OTCPK:HCBC

US$32.1m

Susquehanna Community Financial

OTCPK:SQCF

US$36.8m

Price History & Performance

Summary of share price highs, lows and changes for First Community Financial
Historical stock prices
Current Share Price	US$12.04
52 Week High	US$17.49
52 Week Low	US$10.75
Beta	0.50
1 Month Change	4.60%
3 Month Change	n/a
1 Year Change	-25.45%
3 Year Change	-39.80%
5 Year Change	-45.52%
Change since IPO	-49.83%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FMFP	US Banks	US Market
7D	0%	0.8%	0.6%
1Y	-25.4%	29.4%	23.8%

Return vs Industry: FMFP underperformed the US Banks industry which returned 29.4% over the past year.

Return vs Market: FMFP underperformed the US Market which returned 23.8% over the past year.

Price Volatility

Is FMFP's price volatile compared to industry and market?
FMFP volatility
FMFP Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.6%
10% least volatile stocks in US Market	3.1%

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	www.pennianbank.com

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 offers checking and savings accounts, and certificates of deposit; personal, construction, and mortgage loans; and home equity line of credits. It also provides business loans, such as business line of credit, commercial real estate loans, and improvement loans; agricultural loans comprising lines of credit, term loans, operating loans, livestock financing, farm purchase loans, and agricultural improvement loans; and professional practice loans, including financing options for professionals in the fields of 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$34.07m
Earnings (TTM)	US$468.00k
Revenue (TTM)	US$18.35m

72.8x

P/E Ratio

0.8x

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$18.35m
Cost of Revenue	US$0
Gross Profit	US$18.35m
Other Expenses	US$17.88m
Earnings	US$468.00k

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.17
Gross Margin	100.00%
Net Profit Margin	2.55%
Debt/Equity Ratio	168.6%

How did FMFP perform over the long term?

See historical performance and comparison

Dividends

5.3%

Current Dividend Yield

97%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/28 16:29
End of Day Share Price	2024/12/13 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

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.

Analyst	Institution