First Community FinancialFMFP -1.19%62 EV-to-FCF is 18.60 as of Jun. 27, 2026, which is 4% above its 10-year median of 17.80. GuruFocus rates FMFP with a GF Score™ of 62/100 and a GF Value™ of $16.38 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,195 Banks companies, First Community Financial ranks worse than 81.42% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Community Financial's Enterprise Value is $47.59 Mil.
First Community Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.56 Mil. Therefore, First Community Financial's EV-to-FCF for today is 18.60.
The historical rank and industry rank for First Community Financial's EV-to-FCF or its related term are showing as below:
FMFP'
s EV-to-FCF Range Over the Past 10 Years
Min: 12.24 Med: 17.8 Max: 53.84
Current: 18.6
During the past 13 years, the highest EV-to-FCF of First Community Financial was 53.84. The lowest was 12.24. And the median was 17.80.
FMFP's EV-to-FCF is ranked worse than 81.42% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs FMFP: 18.60
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $14.14.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Community Financial EV-to-FCF Related Terms
First Community Financial EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Community Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Community Financial's EV-to-FCF falls into.
First Community Financial's current Enterprise Value is $47.59 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Community Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.56 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-FCF of 18.60 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Community Financial and its competitors. This is near median its historical median of 17.80. Over the past decade, First Community Financial's EV-to-FCF has ranged from 12.24 to 53.84. According to the industry distribution chart, First Community Financial ranks #973 out of 1195 companies in the Banks industry, placing it in the top 81.4%.
Is First Community Financial's EV-to-FCF too high?
First Community Financial's current EV-to-FCF of 18.60 is near median its 10-year median of 17.80. Over the past 10 years, this metric has ranged from a low of 12.24 to a high of 53.84. The Banks industry median EV-to-FCF is 6.52. First Community Financial's value of 18.60 is 185.3% above this industry median. Based on the distribution chart, First Community Financial ranks #973 out of 1195 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-FCF compare to TMAK and MBBC?
According to the Banks industry distribution chart, First Community Financial ranks #973 out of 1195 companies for EV-to-FCF. This places First Community Financial in the lower half of its industry. The industry median EV-to-FCF is 6.52. First Community Financial's value of 18.60 is 185.3% above this benchmark. Historically, First Community Financial's own EV-to-FCF has ranged from 12.24 to 53.84 over the past decade. While the company's 10-year median is 17.80 vs. the industry median of 6.52, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Financial's current EV-to-FCF of 18.60 is 185.3% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Community Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Financial's current EV-to-FCF is 18.60, which is near median its own 10-year median of 17.80. 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 $16.38, compared to a current price of $14.14 — trading 13.7% below its estimated fair value. The current EV-to-FCF is 18.60, which is near median its 10-year median of 17.80 and 185.3% above the Banks industry median of 6.52. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Community Financial (FMFP), the current EV-to-FCF is 18.60 as of Jun. 27, 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 $14.14 is trading 13.7% below its estimated GF Value™ of $16.38.
GuruFocus considers First Community Financial to be Modestly Undervalued.
Key valuation signals for FMFP:
EV-to-FCF: 18.60 (near median its 10-year median of 17.80)
GF Value™: $16.38 vs. price of $14.14 (13.7% below fair value)
Industry Position: 185.3% above the Banks median (#973 of 1195)
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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