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First Community Financial Corporation (FMFP)

USD14.13 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 2 North Main Street 17059
Mifflintown, PA, US
CEO Scott E. Fritz
IPO 2015-03-17
ISIN US3198361020

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Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Indicator 1D1W2W3W1M
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Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD14.13 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
74
Beta
-0.01
Float Shares
1.89M
Free Float %
66.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +1.20% -1.85% +8.41% -4.60% +50.63% -20.50% -37.78% -7.68% +19.25%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

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Revenue composition

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By product

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Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
14.13
DCF (Unlevered) 11.19 -20.8%
DCF (Levered) 19.16 +35.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.27
Distress
Piotroski F-Score
4 / 9
Average
Operational MOAT
  • Revenue growth
    +82.0% Q1'26: +47.6% (vs Q1'25)
  • EPS growth
    +89.7% Q1'26: -22.2% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +6.7% (vs Q1'25)
  • ROIC
    Q1'26: +6.1% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 14.89× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.05) × ERP
WACC = 51% × Ke + 49% × Kd (29.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 11.19 Current price: 14.13
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-19 B- 3/5 4/5 2/5 2/5 2/5 2/5 3/5
2026-04-17 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-524.8K
OE per share TTM
-0.17
Owner's Yield
-1.30%
Maintenance CapEx ratio
19.74%
Maint CapEx / Avg PPE
21.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2004-12-21 BARBER MARCIE A Officer P-Purchase A FIRST COMMUNITY FINANCIAL CORPORATION 200 51.00 10.2K 300

Executive team

Top executives
EBIT / Employee
25.2K
Shares Outstanding
2.83M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
James Sheaffer Secretary & Director 23.1K male
Scott E. Fritz President, Chief Executive Officer & Director 18.6K male
Jennifer S. Mahoney Assistant Secretary female
Kimberly A. Benner Executive Vice President and Trust & Financial Services Division Manager female
William Martin Treasurer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings reports

Stock splits