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First Pacific Bancorp (FPBC) Price & Analysis

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

First Pacific Bancorp lowest stock price was $5.05 and its highest was $8.35 in the past 12 months.

Q: What is First Pacific Bancorp’s market cap?

First Pacific Bancorp’s market cap is $35.08M.

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

First Pacific Bancorp’s upcoming earnings report date is Oct 29, 2026 which is in 22 days.

Q: How were First Pacific Bancorp’s earnings last quarter?

First Pacific Bancorp released its earnings results on Jul 30, 2026. The company reported $0.006 earnings per share for the quarter.

Q: 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

Q: Does First Pacific Bancorp pay dividends?

First Pacific Bancorp does not currently pay dividends.

Q: What is First Pacific Bancorp’s EPS estimate?

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

Q: How many shares outstanding does First Pacific Bancorp have?

First Pacific Bancorp has 4,385,305 shares outstanding.

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

First Pacific Bancorp reported an EPS of $0.006 in its last earnings report. Following the earnings report the stock price went down -0.591%.

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

Currently, no hedge funds are holding shares in FPBC

19 Followers

FPBC Stock Chart & Stats

$8.25

-$0.15(-1.94%)

At close: Jul 27 4:00 PM EDT

$8.25

-$0.15(-1.94%)

Day’s Range― - ―

52-Week Range$5.05 - $8.35

Previous CloseN/A

Volume1.41K

Average Volume (3M)3.35K

Market Cap

$35.08M

Enterprise Value$70.80M

Total Cash (Recent Filing)N/A

Total Debt (Recent Filing)N/A

Price to Earnings (P/E)21.3

Beta0.30

Next Earnings

Oct 29, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)<0.01

Shares Outstanding4,385,305

10 Day Avg. Volume484

30 Day Avg. Volume3,345

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 Cap2.02

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

Return To ProfitabilityThe move from losses in 2022–2023 to positive earnings in 2024–2025 indicates a meaningful operating recovery. The higher 2025 net margin provides a stronger earnings base for the community bank, although continued execution will be needed to establish this improvement as durable.

Improving Balance-sheet LeverageVisible deleveraging alongside rising equity improves financial resilience and reduces balance-sheet pressure relative to prior years. A lower debt-to-equity level can give the bank greater flexibility to support lending and absorb operating variability while its profitability continues to recover.

Strong 2025 Cash GenerationThe sharp rebound in operating and free cash flow strengthens the company’s ability to fund operations internally and supports the quality of its recent earnings recovery. If maintained, this cash generation would provide a more durable financial foundation than profitability alone.

Bears Say

Historically Volatile Cash FlowDespite the strong 2025 rebound, prior negative free cash flow and uneven operating cash flow show that cash generation has not yet demonstrated consistent durability. This volatility can make internal funding less predictable and increases reliance on sustained improvement in banking operations.

Only Moderate Returns On EquityThe recovery in ROE is encouraging, but a mid-single-digit return indicates that profitability remains modest relative to the equity supporting the business. Until returns improve further, the bank may have less capacity to compound capital and generate stronger long-term shareholder earnings.

Uneven Growth And Moderate MarginsRecent revenue growth is positive but not consistently strong, and the normalization after 2023 highlights variability in the growth path. The margin remains below the earlier peak, so the company still needs sustained revenue expansion and operating improvement to build a more dependable earnings profile.

FPBC FAQ

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

First Pacific Bancorp lowest stock price was $5.05 and its highest was $8.35 in the past 12 months.

What is First Pacific Bancorp’s market cap?

First Pacific Bancorp’s market cap is $35.08M.

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

First Pacific Bancorp’s upcoming earnings report date is Oct 29, 2026 which is in 22 days.

How were First Pacific Bancorp’s earnings last quarter?

First Pacific Bancorp released its earnings results on Jul 30, 2026. The company reported $0.006 earnings per share for the quarter.

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 4,385,305 shares outstanding.

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

First Pacific Bancorp reported an EPS of $0.006 in its last earnings report. Following the earnings report the stock price went down -0.591%.

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

First Pacific Bancorp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

―

Trailing 12-Months

Asset Growth

7.76%

Trailing 12-Months

Learn more about TipRanks Smart Score

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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.