First Pacific Bancorp (FPBC)

OTHER OTC:FPBC

FPBC

First Pacific Bancorp

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First Pacific Bancorp (FPBC) Price & Analysis

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FPBC Stock Chart & Stats

$5.17

-$0.09(-1.76%)

At close: Jan 03 4:00 PM EST

$5.17

-$0.09(-1.76%)

Day’s Range― - ―

52-Week Range$5.00 - $5.99

Previous CloseN/A

Volume10.10K

Average Volume (3M)280.00

Market Cap

$10.82M

Enterprise Value$45.30M

Total Cash (Recent Filing)N/A

Total Debt (Recent Filing)N/A

Price to Earnings (P/E)11.6

Beta0.11

Next Earnings

Jul 24, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.10

Shares Outstanding1,939,193

10 Day Avg. Volume272

30 Day Avg. Volume280

Financial Highlights & Ratios

PEG Ratio0.16

Price to Book (P/B)0.53

Price to Sales (P/S)0.91

P/FCF Ratio7.16

Enterprise Value/Market Cap4.19

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Profitability TurnaroundThe company swung back to sustained positive earnings and achieved a ~8.2% net margin in 2025. This recovery provides a firmer earnings base for reinvestment, supports internal capital generation, and reduces solvency risk versus recent loss years, improving medium-term durability.

Deleveraging And Balance Sheet RepairMaterial reduction in debt-to-equity over several years strengthens financial flexibility, lowers interest exposure, and increases capacity to fund lending or strategic initiatives. Gradual deleveraging signals risk reduction and a more sustainable capital structure for the bank.

Stronger Cash GenerationA meaningful jump in operating and free cash flow provides durable liquidity to support loan growth, reserve building, or shareholder returns. Reliable free cash flow in 2025 enhances self-funding ability and reduces dependence on external financing over the medium term.

Bears Say

Modest Return On EquityROE near mid-single-digits indicates limited capital efficiency relative to peers and constrains the firm's ability to generate high shareholder returns from its equity base. Sustaining higher returns will require consistent margin expansion or stronger, persistent revenue growth.

Historic Cash Flow VolatilityPast swings between negative and positive free cash flow reduce predictability of funding for lending, reserves and distributions. That volatility raises execution risk for strategic plans and makes multi-year planning and reliable payout policies harder to sustain.

Uneven Growth And Modest MarginsInconsistent top-line growth and only modest current margins limit the bank's ability to lever operating scale into stronger profitability. Without steadier revenue expansion or structural margin improvement, long-term earnings power and competitive positioning remain constrained.

FPBC FAQ

What was First Pacific Bancorp’s price range in the past 12 months?

First Pacific Bancorp lowest stock price was $5.00 and its highest was $5.99 in the past 12 months.

What is First Pacific Bancorp’s market cap?

First Pacific Bancorp’s market cap is $10.82M.

When is First Pacific Bancorp’s upcoming earnings report date?

First Pacific Bancorp’s upcoming earnings report date is Jul 24, 2026 which is in 44 days.

How were First Pacific Bancorp’s earnings last quarter?

First Pacific Bancorp released its earnings results on May 08, 2026. The company reported $0.103 earnings per share for the quarter, beating the consensus estimate of N/A by $0.103.

Is First Pacific Bancorp overvalued?

According to Wall Street analysts First Pacific Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Pacific Bancorp pay dividends?

First Pacific Bancorp does not currently pay dividends.

What is First Pacific Bancorp’s EPS estimate?

First Pacific Bancorp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Pacific Bancorp have?

First Pacific Bancorp has 1,939,193 shares outstanding.

What happened to First Pacific Bancorp’s price movement after its last earnings report?

First Pacific Bancorp reported an EPS of $0.103 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of First Pacific Bancorp?

Currently, no hedge funds are holding shares in FPBC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

First Pacific Bancorp

First Pacific Bancorp serves as the holding company for First Pacific Bank, which delivers a comprehensive range of financial and banking products and services. Its deposit offerings include various checking, savings, money market, and NOW accounts, along with individual retirement accounts and certificates of deposit. The institution also provides diverse lending solutions, such as loans for real estate construction, 1-4 family properties, commercial real estate, and general commercial and industrial purposes; Small Business Administration (SBA) loans; personal and consumer financing; home equity lines of credit; letters of credit; and credit cards for both businesses and individuals. Moreover, the company offers cash management services like insured cash sweep, remote deposit capture, automated clearing house (ACH) processing, sweep accounts, wire transfers, Positive Pay fraud prevention, and extensive online and mobile banking platforms. Additionally, it specializes in lending and financing programs tailored for construction and manufacturing equipment, healthcare equipment, computer hardware and software, network and telecommunications systems, and office furniture, alongside offering bespoke financial solutions. The company primarily caters to small and mid-sized businesses and individual clients across California's Los Angeles, Orange, San Bernardino, and San Diego Counties, operating physical branches in Whittier, Santa Fe Springs, Orange, Redlands, and San Diego. Established in 2006 and headquartered in Whittier, California, the entity was previously known as Friendly Hills Bancorp before adopting its current name, First Pacific Bancorp, in September 2023.