First Community FinancialFMFP 60 Return-on-Tangible-Asset is 0.31% as of Dec. 2025, which is 58% below its 10-year median of 0.73. GuruFocus rates FMFP with a GF Scoreâ„¢ of 60/100 and a GF Valueâ„¢ of $16.37 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, First Community Financial ranks worse than 86.31% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. First Community Financial's annualizedNet Income for the quarter that ended in Dec. 2025 was $2.10 Mil. First Community Financial's average total tangible assets for the quarter that ended in Dec. 2025 was $670.19 Mil. Therefore, First Community Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.31%.
The historical rank and industry rank for First Community Financial's Return-on-Tangible-Asset or its related term are showing as below:
FMFP'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.16 Med: 0.73 Max: 1.12
Current: 0.31
During the past 13 years, First Community Financial's highest Return-on-Tangible-Asset was 1.12%. The lowest was 0.16%. And the median was 0.73%.
FMFP's Return-on-Tangible-Asset is ranked worse than 86.31% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs FMFP: 0.31
First Community Financial (OTCPK:FMFP) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
First Community Financial Return-on-Tangible-Asset Related Terms
First Community Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for First Community Financial's Return-on-Tangible-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 Return-on-Tangible-Asset Chart
FMFP vs ANDC, EXCH, KFFB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, First Community Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Community Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where First Community Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.31% mean?
First Community Financial (FMFP) has a Return-on-Tangible-Asset of 0.31% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Community Financial and its competitors. This is 58% below median its historical median of 0.73. Over the past decade, First Community Financial's Return-on-Tangible-Asset has ranged from 0.16 to 1.12. According to the industry distribution chart, First Community Financial ranks #1318 out of 1527 companies in the Banks industry, placing it in the top 86.3%.
Is First Community Financial's Return-on-Tangible-Asset too high?
First Community Financial's current Return-on-Tangible-Asset of 0.31% is 58% below median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.12. The Banks industry median Return-on-Tangible-Asset is 0.99. First Community Financial's value of 0.31% is 68.7% below this industry median. Based on the distribution chart, First Community Financial ranks #1318 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Community Financial has a GF Scoreâ„¢ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Community Financial's Return-on-Tangible-Asset compare to ANDC and EXCH?
According to the Banks industry distribution chart, First Community Financial ranks #1318 out of 1527 companies for Return-on-Tangible-Asset. This places First Community Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. First Community Financial's value of 0.31% is 68.7% below this benchmark. Historically, First Community Financial's own Return-on-Tangible-Asset has ranged from 0.16 to 1.12 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Community Financial's current Return-on-Tangible-Asset of 0.31% is 68.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Community Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Community Financial's current Return-on-Tangible-Asset is 0.31%, which is 58% below median its own 10-year median of 0.73. 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 $16.37, compared to a current price of $14.13 — trading 13.7% below its estimated fair value. The current Return-on-Tangible-Asset is 0.31%, which is 58% below median its 10-year median of 0.73 and 68.7% below the Banks industry median of 0.99. First Community Financial's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For First Community Financial (FMFP), the current Return-on-Tangible-Asset is 0.31% 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 $14.13 is trading 13.7% below its estimated GF Value™ of $16.37.
GuruFocus considers First Community Financial to be Modestly Undervalued.
Key valuation signals for FMFP:
Return-on-Tangible-Asset: 0.31% (58% below median its 10-year median of 0.73)
GF Value™: $16.37 vs. price of $14.13 (13.7% below fair value)
Industry Position: 68.7% below the Banks median (#1318 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.
60GF Score
Get the complete analysis for FMFP
Return-on-Tangible-Asset 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 
