FMFP (First Community Financial) Scaled Net Operating Assets: 0.08 (As of Dec. 2025)


FMFP First Community Financial Corp FMFP
62 GF Score
Price $14.14
GF Value $16.38
Valuation Modestly Undervalued
! 3 Warning Signs
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What is First Community Financial Scaled Net Operating Assets?

First Community Financial FMFP -1.19% 62 Scaled Net Operating Assets is 0.08 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Community Financial's operating assets for the quarter that ended in Dec. 2025 was $632.04 Mil. First Community Financial's operating liabilities for the quarter that ended in Dec. 2025 was $578.50 Mil. First Community Financial's Total Assets for the quarter that ended in Dec. 2024 was $676.76 Mil. Therefore, First Community Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.08.

FMFP
62GF Score
First Community Financial Corp FMFP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First Community Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Community Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(632.038-578.5)/676.761
=0.08

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=663.61 - 31.572
=632.038

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=617.655 - 39.155 - 0
=578.5

First Community Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(632.038-578.5)/676.761
=0.08

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=663.61 - 31.572
=632.038

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=617.655 - 39.155 - 0
=578.5

* 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.

What does a Scaled Net Operating Assets of 0.08 mean?
First Community Financial (FMFP) has a Scaled Net Operating Assets of 0.08 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Community Financial and its competitors.
Is First Community Financial's Scaled Net Operating Assets too high?
First Community Financial's current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets compare to TMAK and MBBC?
First Community Financial's Scaled Net Operating Assets of 0.08 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Community Financial and its competitors. First Community Financial's current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For First Community Financial (FMFP), the current Scaled Net Operating Assets is 0.08 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:

  • Scaled Net Operating Assets: 0.08
  • 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

Address 2 North Main Street, Mifflintown, PA, USA, 17059
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.14
Price
$16.38
GF Value