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First Community FinancialFMFP 62 Debt-to-Equity is 0.85 as of Dec. 2025, which is 2% below its 10-year median of 0.87. GuruFocus rates FMFP with a GF Score™ of 62/100 and a GF Value™ of $16.36 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, First Community Financial ranks worse than 62.24% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Community Financial's Debt-to-Equity or its related term are showing as below:
FMFP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.64 Med: 0.87 Max: 2.1
Current: 0.85
During the past 13 years, the highest Debt-to-Equity Ratio of First Community Financial was 2.10. The lowest was 0.64. And the median was 0.87.
FMFP's Debt-to-Equity is ranked worse than 62.24% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs FMFP: 0.85
First Community Financial (OTCPK:FMFP) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Community Financial Debt-to-Equity Related Terms
First Community Financial Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FMFP vs ANDC, EXCH, KFFB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, First Community Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Community Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Community Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Community Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Community Financial (FMFP) has a Debt-to-Equity of 0.85 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Community Financial and its competitors. This is near median its historical median of 0.87. Over the past decade, First Community Financial's Debt-to-Equity has ranged from 0.64 to 2.10. According to the industry distribution chart, First Community Financial ranks #885 out of 1422 companies in the Banks industry, placing it in the top 62.2%.
Is First Community Financial's Debt-to-Equity too high?
First Community Financial's current Debt-to-Equity of 0.85 is near median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 2.10. The Banks industry median Debt-to-Equity is 0.57. First Community Financial's value of 0.85 is 49.1% above this industry median. Based on the distribution chart, First Community Financial ranks #885 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, First Community Financial has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Community Financial's Debt-to-Equity compare to ANDC and EXCH?
According to the Banks industry distribution chart, First Community Financial ranks #885 out of 1422 companies for Debt-to-Equity. This places First Community Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.57. First Community Financial's value of 0.85 is 49.1% above this benchmark. Historically, First Community Financial's own Debt-to-Equity has ranged from 0.64 to 2.10 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 0.57, First Community Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Financial's current Debt-to-Equity of 0.85 is 49.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Community Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Financial's current Debt-to-Equity is 0.85, which is near median its own 10-year median of 0.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Community Financial stock overvalued right now?
Based on GuruFocus' analysis, First Community Financial (FMFP) is currently considered Modestly Undervalued. The stock's GF Value™ is $16.36, compared to a current price of $14.00 — trading 14.4% below its estimated fair value. The current Debt-to-Equity is 0.85, which is near median its 10-year median of 0.87 and 49.1% above the Banks industry median of 0.57. First Community Financial's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Community Financial (FMFP), the current Debt-to-Equity is 0.85 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Community Financial (FMFP) Overvalued in 2026?
Based on GuruFocus' analysis, First Community Financial stock appears to be undervalued.
The current stock price of $14.00 is trading 14.4% below its estimated GF Value™ of $16.36.
GuruFocus considers First Community Financial to be Modestly Undervalued.
Key valuation signals for FMFP:
Debt-to-Equity: 0.85 (near median its 10-year median of 0.87)
GF Value™: $16.36 vs. price of $14.00 (14.4% below fair value)
Industry Position: 49.1% above the Banks median (#885 of 1422)
No single metric tells the full story. See the FMFP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Community Financial Corp through its subsidiary, is engaged in offering banking services. The services provided include loans, deposits, trust, and other related financial services. It offers Personal banking and Business banking services. Its banking services provide Checking, credit cards, savings, Loans, online, and Business services. It also provides Mortgage, Insurance, and Wealth management services.
62GF Score
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