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First Community FinancialFMFP 62 EV-to-OCF is 13.12 as of Aug. 12, 2026, which is 17% below its 10-year median of 15.72. GuruFocus rates FMFP with a GF Score™ of 62/100 and a GF Value™ of $16.35 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,497 Banks companies, First Community Financial ranks worse than 78.89% on this metric.
The historical rank and industry rank for First Community Financial's EV-to-OCF or its related term are showing as below:
FMFP'
s EV-to-OCF Range Over the Past 10 Years
Min: 11.79 Med: 15.72 Max: 41.88
Current: 13.12
During the past 13 years, the highest EV-to-OCF of First Community Financial was 41.88. The lowest was 11.79. And the median was 15.72.
FMFP's EV-to-OCF is ranked worse than 78.89% of 1497
companies
in the Banks industry
Industry Median: 3.99
vs FMFP: 13.12
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Community Financial (OTCPK:FMFP) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Community Financial's PE Ratio (TTM) for today is calculated as:
First Community Financial's share price for today is $14.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Community Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.740.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Community Financial EV-to-OCF Related Terms
First Community Financial EV-to-OCF 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.
For the Banks - Regional subindustry, First Community Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Community Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Community Financial's EV-to-OCF falls into.
First Community Financial's current Enterprise Value is $47.20 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Community Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $3.60 Mil.
* 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 EV-to-OCF of 13.12 as of Aug. 12, 2026. This is 17% below median its historical median of 15.72. Over the past decade, First Community Financial's EV-to-OCF has ranged from 11.79 to 41.88. According to the industry distribution chart, First Community Financial ranks #1181 out of 1497 companies in the Banks industry, placing it in the top 78.9%.
Is First Community Financial's EV-to-OCF too high?
First Community Financial's current EV-to-OCF of 13.12 is 17% below median its 10-year median of 15.72. Over the past 10 years, this metric has ranged from a low of 11.79 to a high of 41.88. The Banks industry median EV-to-OCF is 3.99. First Community Financial's value of 13.12 is 228.8% above this industry median. Based on the distribution chart, First Community Financial ranks #1181 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-OCF compare to SSBP and ANDC?
According to the Banks industry distribution chart, First Community Financial ranks #1181 out of 1497 companies for EV-to-OCF. This places First Community Financial in the lower half of its industry. The industry median EV-to-OCF is 3.99. First Community Financial's value of 13.12 is 228.8% above this benchmark. Historically, First Community Financial's own EV-to-OCF has ranged from 11.79 to 41.88 over the past decade. While the company's 10-year median is 15.72 vs. the industry median of 3.99, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.99, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Financial's current EV-to-OCF of 13.12 is 228.8% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Financial's current EV-to-OCF is 13.12, which is 17% below median its own 10-year median of 15.72. 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 $16.35, compared to a current price of $14.00 — trading 14.4% below its estimated fair value. The current EV-to-OCF is 13.12, which is 17% below median its 10-year median of 15.72 and 228.8% above the Banks industry median of 3.99. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Community Financial (FMFP), the current EV-to-OCF is 13.12 as of Aug. 12, 2026. 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 $16.35.
GuruFocus considers First Community Financial to be Modestly Undervalued.
Key valuation signals for FMFP:
EV-to-OCF: 13.12 (17% below median its 10-year median of 15.72)
GF Value™: $16.35 vs. price of $14.00 (14.4% below fair value)
Industry Position: 228.8% above the Banks median (#1181 of 1497)
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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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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