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FMFP (First Community Financial) Effective Interest Rate on Debt % : 25.01% (As of Dec. 2024)


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What is First Community Financial Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. First Community Financial's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was $14.17 Mil. First Community Financial's average total debt for the quarter that ended in Dec. 2024 was $56.66 Mil. Therefore, First Community Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 25.01%.


First Community Financial Effective Interest Rate on Debt % Historical Data

The historical data trend for First Community Financial's Effective Interest Rate on Debt % can be seen below:

* 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.

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First Community Financial Effective Interest Rate on Debt % Chart

First Community Financial Annual Data
Trend Dec10 Dec11 Dec12 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.94 6.55 5.45 15.94 25.01

First Community Financial Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.94 6.55 5.45 15.94 25.01

Competitive Comparison of First Community Financial's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, First Community Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, First Community Financial's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where First Community Financial's Effective Interest Rate on Debt % falls into.


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First Community Financial Effective Interest Rate on Debt % Calculation

First Community Financial's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -14.171/( (64.155+49.155)/ 2 )
=-1  *  -14.171/56.655
=25.01 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=64.155 + 0
=64.155

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=49.155 + 0
=49.155

First Community Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2023 )+Total Debt  (Q: Dec. 2024 ))/ count )
=-1  *  -14.171/( (64.155+49.155)/ 2 )
=-1  *  -14.171/56.655
=25.01 %

where

Total Debt  (Q: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=64.155 + 0
=64.155

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=49.155 + 0
=49.155

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.


First Community Financial  (OTCPK:FMFP) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


First Community Financial Effective Interest Rate on Debt % Related Terms

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First Community Financial Business Description

Traded in Other Exchanges
N/A
Address
2 North Main Street, Mifflintown, PA, USA, 17059
First Community Financial Corp through its subsidiary is engaged in offering banking services. The services provided loan, deposit, trust, and other related financial services. It offers Personal banking and Business banking services. Its banking services provide Checking, Credit card, savings, Loans, Online and Business services. It also provides Mortgage, Insurance, and Wealth management services.
Executives
Marcie A Barber officer: Senior Vice President 137 OAKRIDGE ROAD, LEWISTOWN PA 17044

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