First Community FinancialFMFP -1.19%62 FCF Margin % is 11.13% as of Dec. 2025, which is 54% below its 10-year median of 24.40. 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 1,505 Banks companies, First Community Financial ranks worse than 66.11% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Community Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Community Financial's FCF Margin % 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 FCF Margin % of 11.13% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Community Financial and its competitors. This is 54% below median its historical median of 24.40. Over the past decade, First Community Financial's FCF Margin % has ranged from 7.55 to 31.22. According to the industry distribution chart, First Community Financial ranks #995 out of 1505 companies in the Banks industry, placing it in the top 66.1%.
Is First Community Financial's FCF Margin % too high?
First Community Financial's current FCF Margin % of 11.13% is 54% below median its 10-year median of 24.40. Over the past 10 years, this metric has ranged from a low of 7.55 to a high of 31.22. The Banks industry median FCF Margin % is 26.55. First Community Financial's value of 11.13% is 58.1% below this industry median. Based on the distribution chart, First Community Financial ranks #995 out of 1505 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 FCF Margin % compare to TMAK and MBBC?
According to the Banks industry distribution chart, First Community Financial ranks #995 out of 1505 companies for FCF Margin %. This places First Community Financial in the lower half of its industry. The industry median FCF Margin % is 26.55. First Community Financial's value of 11.13% is 58.1% below this benchmark. Historically, First Community Financial's own FCF Margin % has ranged from 7.55 to 31.22 over the past decade. While the company's 10-year median is 24.40 vs. the industry median of 26.55, First Community Financial has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Financial's current FCF Margin % of 11.13% is 58.1% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Community Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Financial's current FCF Margin % is 11.13%, which is 54% below median its own 10-year median of 24.40. 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 FCF Margin % is 11.13%, which is 54% below median its 10-year median of 24.40 and 58.1% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Community Financial (FMFP), the current FCF Margin % is 11.13% 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 $14.14 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:
FCF Margin %: 11.13% (54% below median its 10-year median of 24.40)
GF Value™: $16.38 vs. price of $14.14 (13.7% below fair value)
Industry Position: 58.1% below the Banks median (#995 of 1505)
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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