First Community FinancialFMFP -1.19%62 Pretax Margin % is 8.31% as of Dec. 2025, which is 66% below its 10-year median of 24.62. 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 1,527 Banks companies, First Community Financial ranks worse than 92.01% on this metric.
The historical rank and industry rank for First Community Financial's Pretax Margin % or its related term are showing as below:
FMFP'
s Pretax Margin % Range Over the Past 10 Years
Min: 4.64 Med: 24.62 Max: 35.79
Current: 8.31
FMFP's Pretax Margin % is ranked worse than 92.01% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs FMFP: 8.31
First Community Financial (OTCPK:FMFP) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Community Financial Pretax Margin % Related Terms
First Community Financial Pretax Margin % 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.
FMFP vs TMAK, MBBC, CYSM: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Community Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Community Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Community Financial's Pretax 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 Pretax Margin % of 8.31% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Community Financial and its competitors. This is 66% below median its historical median of 24.62. Over the past decade, First Community Financial's Pretax Margin % has ranged from 4.64 to 35.79. According to the industry distribution chart, First Community Financial ranks #1405 out of 1527 companies in the Banks industry, placing it in the top 92%.
Is First Community Financial's Pretax Margin % too high?
First Community Financial's current Pretax Margin % of 8.31% is 66% below median its 10-year median of 24.62. Over the past 10 years, this metric has ranged from a low of 4.64 to a high of 35.79. The Banks industry median Pretax Margin % is 34.88. First Community Financial's value of 8.31% is 76.2% below this industry median. Based on the distribution chart, First Community Financial ranks #1405 out of 1527 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 Pretax Margin % compare to TMAK and MBBC?
According to the Banks industry distribution chart, First Community Financial ranks #1405 out of 1527 companies for Pretax Margin %. This places First Community Financial in the lower half of its industry. The industry median Pretax Margin % is 34.88. First Community Financial's value of 8.31% is 76.2% below this benchmark. Historically, First Community Financial's own Pretax Margin % has ranged from 4.64 to 35.79 over the past decade. While the company's 10-year median is 24.62 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Financial's current Pretax Margin % of 8.31% is 76.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Community Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Financial's current Pretax Margin % is 8.31%, which is 66% below median its own 10-year median of 24.62. 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 Pretax Margin % is 8.31%, which is 66% below median its 10-year median of 24.62 and 76.2% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Community Financial (FMFP), the current Pretax Margin % is 8.31% 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:
Pretax Margin %: 8.31% (66% below median its 10-year median of 24.62)
GF Value™: $16.38 vs. price of $14.14 (13.7% below fair value)
Industry Position: 76.2% below the Banks median (#1405 of 1527)
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
Get the complete analysis for FMFP
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FMFP has been successfully added to your 
