First Community Financial Corporation Logo

First Community Financial Corporation

FMFP

(3.2)
Stock Price

12,04 USD

0.05% ROA

0.88% ROE

129.85x PER

Market Cap.

42.360.000,00 USD

253.72% DER

1.07% Yield

1.87% NPM

First Community Financial Corporation Stock Analysis

First Community Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Community Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (50%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

6 ROE

ROE in an average range (13.68%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (1.08%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

9 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

First Community Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Community Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

First Community Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Community Financial Corporation Revenue
Year Revenue Growth
2005 8.940.000
2006 8.936.000 -0.04%
2007 9.415.000 5.09%
2008 11.300.000 16.68%
2009 12.676.000 10.86%
2010 14.111.000 10.17%
2011 15.640.000 9.78%
2012 15.905.000 1.67%
2014 16.234.000 2.03%
2015 19.923.000 18.52%
2016 20.099.000 0.88%
2017 20.384.000 1.4%
2018 22.189.000 8.13%
2019 23.472.000 5.47%
2020 23.447.000 -0.11%
2021 24.491.000 4.26%
2022 27.135.000 9.74%
2023 14.200.000 -91.09%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Community Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Community Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 4.092.000
2006 4.130.000 0.92%
2007 4.275.000 3.39%
2008 4.986.000 14.26%
2009 5.271.000 5.41%
2010 5.684.000 7.27%
2011 5.975.000 4.87%
2012 6.669.000 10.41%
2014 1.133.000 -488.61%
2015 1.106.000 -2.44%
2016 1.171.000 5.55%
2017 1.310.000 10.61%
2018 2.159.000 39.32%
2019 2.435.000 11.33%
2020 453.000 -437.53%
2021 768.000 41.02%
2022 647.000 -18.7%
2023 15.512.000 95.83%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Community Financial Corporation EBITDA
Year EBITDA Growth
2005 3.221.000
2006 3.022.000 -6.59%
2007 3.090.000 2.2%
2008 3.533.000 12.54%
2009 3.186.000 -10.89%
2010 5.235.000 39.14%
2011 5.687.000 7.95%
2012 6.231.000 8.73%
2014 -380.001 1739.73%
2015 -379.000 -0.26%
2016 -375.000 -1.07%
2017 -262.000 -43.13%
2018 -229.000 -14.41%
2019 -113.000 -102.65%
2020 -229.000 50.66%
2021 -269.000 14.87%
2022 -390.000 31.03%
2023 264.000 247.73%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Community Financial Corporation Gross Profit
Year Gross Profit Growth
2005 8.940.000
2006 8.936.000 -0.04%
2007 9.415.000 5.09%
2008 11.300.000 16.68%
2009 12.676.000 10.86%
2010 14.111.000 10.17%
2011 15.640.000 9.78%
2012 15.905.000 1.67%
2014 16.234.000 2.03%
2015 19.923.000 18.52%
2016 20.099.000 0.88%
2017 20.384.000 1.4%
2018 22.189.000 8.13%
2019 23.472.000 5.47%
2020 23.447.000 -0.11%
2021 24.491.000 4.26%
2022 27.135.000 9.74%
2023 33.048.000 17.89%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Community Financial Corporation Net Profit
Year Net Profit Growth
2005 2.071.000
2006 1.965.000 -5.39%
2007 2.017.000 2.58%
2008 2.336.000 13.66%
2009 2.226.000 -4.94%
2010 3.686.000 39.61%
2011 4.146.000 11.1%
2012 4.532.000 8.52%
2014 4.059.999 -11.63%
2015 3.953.000 -2.71%
2016 3.866.000 -2.25%
2017 3.595.000 -7.54%
2018 4.234.000 15.09%
2019 3.557.000 -19.03%
2020 4.065.000 12.5%
2021 5.167.000 21.33%
2022 5.242.000 1.43%
2023 -2.432.000 315.54%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Community Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 1
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 2 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 2 0%
2019 1 0%
2020 1 0%
2021 2 0%
2022 2 0%
2023 -1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Community Financial Corporation Free Cashflow
Year Free Cashflow Growth
2005 1.558.000
2006 2.595.000 39.96%
2007 2.437.000 -6.48%
2008 2.632.000 7.41%
2009 156.000 -1587.18%
2010 5.128.000 96.96%
2011 3.771.000 -35.99%
2012 3.899.000 3.28%
2014 4.482.000 13.01%
2015 5.012.000 10.57%
2016 1.803.000 -177.98%
2017 5.346.000 66.27%
2018 4.945.000 -8.11%
2019 3.761.000 -31.48%
2020 4.468.000 15.82%
2021 6.245.000 28.45%
2022 6.499.000 3.91%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Community Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
2005 2.321.000
2006 2.762.000 15.97%
2007 2.550.000 -8.31%
2008 2.818.000 9.51%
2009 461.000 -511.28%
2010 5.234.000 91.19%
2011 5.862.000 10.71%
2012 5.093.000 -15.1%
2014 4.985.000 -2.17%
2015 5.333.000 6.53%
2016 4.752.000 -12.23%
2017 5.687.000 16.44%
2018 5.930.000 4.1%
2019 4.617.000 -28.44%
2020 5.041.000 8.41%
2021 6.482.000 22.23%
2022 6.813.000 4.86%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Community Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
2005 763.000
2006 167.000 -356.89%
2007 113.000 -47.79%
2008 186.000 39.25%
2009 305.000 39.02%
2010 106.000 -187.74%
2011 2.091.000 94.93%
2012 1.194.000 -75.13%
2014 503.000 -137.38%
2015 321.000 -56.7%
2016 2.949.000 89.11%
2017 341.000 -764.81%
2018 985.000 65.38%
2019 856.000 -15.07%
2020 573.000 -49.39%
2021 237.000 -141.77%
2022 314.000 24.52%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Community Financial Corporation Equity
Year Equity Growth
2005 18.332.000
2006 19.674.000 6.82%
2007 21.533.000 8.63%
2008 23.413.000 8.03%
2009 25.358.000 7.67%
2010 28.282.000 10.34%
2011 31.438.000 10.04%
2012 34.808.000 9.68%
2014 40.021.000 13.03%
2015 41.987.000 4.68%
2016 43.071.000 2.52%
2017 44.977.000 4.24%
2018 46.466.000 3.2%
2019 50.359.000 7.73%
2020 55.795.000 9.74%
2021 57.163.000 2.39%
2022 37.167.000 -53.8%
2023 40.300.000 7.77%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Community Financial Corporation Assets
Year Assets Growth
2005 267.157.000
2006 278.520.000 4.08%
2007 302.295.000 7.86%
2008 326.714.000 7.47%
2009 355.836.000 8.18%
2010 374.155.000 4.9%
2011 387.883.000 3.54%
2012 420.705.000 7.8%
2014 453.314.000 7.19%
2015 469.405.000 3.43%
2016 477.924.000 1.78%
2017 505.601.000 5.47%
2018 511.921.000 1.23%
2019 542.414.000 5.62%
2020 608.291.000 10.83%
2021 698.408.000 12.9%
2022 707.771.000 1.32%
2023 707.545.000 -0.03%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Community Financial Corporation Liabilities
Year Liabilities Growth
2005 248.825.000
2006 258.846.000 3.87%
2007 280.762.000 7.81%
2008 303.301.000 7.43%
2009 330.478.000 8.22%
2010 345.873.000 4.45%
2011 356.445.000 2.97%
2012 385.897.000 7.63%
2014 15.155.000 -2446.33%
2015 427.418.000 96.45%
2016 434.853.000 1.71%
2017 460.624.000 5.59%
2018 465.455.000 1.04%
2019 492.055.000 5.41%
2020 552.496.000 10.94%
2021 641.245.000 13.84%
2022 670.604.000 4.38%
2023 7.155.000 -9272.52%

First Community Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.73
Net Income per Share
0.12
Price to Earning Ratio
129.85x
Price To Sales Ratio
2.6x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.06
EV to Sales
2.2
EV Over EBITDA
53.86
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.01
FreeCashFlow Yield
0
Market Cap
0,04 Bil.
Enterprise Value
0,04 Bil.
Graham Number
6.06
Graham NetNet
2.27

Income Statement Metrics

Net Income per Share
0.12
Income Quality
0
ROE
0.01
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
-2.78
EBT Per Ebit
-0.11
Ebit per Revenue
0.06
Effective Tax Rate
-3.79

Margins

Sales, General, & Administrative to Revenue
0.57
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1.26
Operating Profit Margin
0.06
Pretax Profit Margin
-0.01
Net Profit Margin
0.02

Dividends

Dividend Yield
0.01
Dividend Yield %
1.07
Payout Ratio
0
Dividend Per Share
0.16

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
-1.07
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
4,78
Book Value per Share
245,93
Tangible Book Value per Share
245.93
Shareholders Equity per Share
14.15
Interest Debt per Share
36.45
Debt to Equity
2.54
Debt to Assets
0.14
Net Debt to EBITDA
-9.7
Current Ratio
0.03
Tangible Asset Value
0,70 Bil.
Net Current Asset Value
0,01 Bil.
Invested Capital
-382701000
Working Capital
-0,39 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.41

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Community Financial Corporation Dividends
Year Dividends Growth
2015 1
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

First Community Financial Corporation Profile

About First Community Financial Corporation

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. In addition, the company offers trust and investment services, including portfolio account services; trust, financial, and retirement services, including estate planning and/or estate settlement, personal and charitable trusts, guardianship/power of attorney, investment management account agency, custodian, and retirement account services; account services and trust type comparison services; and advisory services. Further, it provides merchant, remote deposit capture, automated clearing house, and bill payment and mobile wallet services; online, mobile, and telephone banking services; gift, credit, and debit cards; auto insurance products for cars, motorcycles, boats, recreational vehicles, and travel trailers and others; home and property insurance products for home and other structures, personal property, liability protection, and renters; and business insurance products for general and cyber liability, commercial property, business owners, and workers' compensation. The company offers its services through ten full service banking offices in Cumberland, Juniata, and Perry Counties of Pennsylvania. First Community Financial Corporation was founded in 1864 and is based in Mifflintown, Pennsylvania.

CEO
Mr. Scott E. Fritz
Employee
76
Address
2 North Main Street
Mifflintown, 17059

First Community Financial Corporation Executives & BODs

First Community Financial Corporation Executives & BODs
# Name Age
1 Ms. Jennifer S. Mahoney
Assistant Secretary
70
2 Mr. Scott E. Fritz
President, Chief Executive Officer & Director
70
3 Mr. James M. Sheaffer
Secretary & Director
70
4 Mr. William B. Martin C.M.A., CPA, CMA, CPA
Treasurer
70
5 Ms. Kimberly A. Benner
Executive Vice President and Trust & Financial Services Division Manager
70

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