FMFP (First Community Financial) LT-Debt-to-Total-Asset: 0.06 (As of Dec. 2025)

What is First Community Financial LT-Debt-to-Total-Asset?

First Community Financial FMFP -1.19% 62 LT-Debt-to-Total-Asset is 0.06 as of Dec. 2025. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. First Community Financial's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.06.

First Community Financial's long-term debt to total assets ratio declined from Dec. 2023 (0.09) to Dec. 2025 (0.06). It may suggest that First Community Financial is progressively becoming less dependent on debt to grow their business.

First Community Financial (OTCPK:FMFP) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

First Community Financial LT-Debt-to-Total-Asset Related Terms

First Community Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for First Community Financial's LT-Debt-to-Total-Asset 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.

First Community Financial LT-Debt-to-Total-Asset Chart

First Community Financial Annual Data

Trend

Dec11

Dec12

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.11

0.09

0.07

0.06

First Community Financial Semi-Annual Data
	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial											0.06	0.11	0.09	0.07	0.06

62GF Score

First Community Financial Corp FMFP

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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First Community Financial LT-Debt-to-Total-Asset Calculation

First Community Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	39.155	/	663.61
	=	0.06

First Community Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	39.155	/	663.61
	=	0.06

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

First Community Financial (FMFP) has a LT-Debt-to-Total-Asset of 0.06 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Community Financial and its competitors.

Is First Community Financial's LT-Debt-to-Total-Asset too high?

First Community Financial's current LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset compare to ANDC and EXCH?

First Community Financial's LT-Debt-to-Total-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Community Financial and its competitors. First Community Financial's current LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For First Community Financial (FMFP), the current LT-Debt-to-Total-Asset is 0.06 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:

LT-Debt-to-Total-Asset: 0.06
GF Value™: $16.38 vs. price of $14.14 (13.7% below fair value)
GF Score™: 62/100 with 3 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies ANDC EXCH KFFB HFBA TMAK SOUB ESBS SCYT HCBC PNBI SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 2 North Main Street, Mifflintown, PA, USA, 17059

Website https://pennian.bank

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.14

Price

$16.38

GF Value

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