First Pacific Bancorp (FPBC)
OTHER OTC:FPBC
Want to see FPBC full AI Analyst Report?
Top Page
First Pacific Bancorp
(OTC:FPBC)
Select Model
Select Model
Rating:62Neutral
Price Target:
$5.50
▲(6.38% Upside)
Action:Reiterated
Date:05/01/26
The score is driven primarily by improving financial performance (profitability recovery, stronger 2025 cash generation, and better leverage) but tempered by multi-year volatility and only moderate ROE. Technicals add mild support with neutral-to-slightly bullish momentum, and valuation appears reasonable at ~11x earnings; dividend support cannot be assessed due to missing yield data.
Positive Factors
Profitability Turnaround
The 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.
Negative Factors
Modest Return on Equity
ROE 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Turnaround
The 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.
Read all positive factors
First Pacific Bancorp (FPBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$10.83M
Dividend YieldN/A
Average Volume (3M)280.00
Price to Earnings (P/E)11.8
Beta (1Y)0.11
Revenue Growth6.38%
EPS Growth53.09%
CountryUS
Employees48
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap4.18
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
First Pacific Bancorp Business Overview & Revenue Model
Company Description
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 account...
How the Company Makes Money
null...
First Pacific Bancorp Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
58
Neutral
Cash Flow
56
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 24.63M | 23.49M | 20.78M | 10.34M | 6.35M |
| Gross Profit | 16.29M | 14.68M | 13.60M | 9.37M | 5.79M |
| EBITDA | 2.75M | 1.93M | 57.96K | -1.16M | 350.12K |
| Net Income | 2.01M | 1.11M | -163.92K | -988.77K | 188.53K |
Balance Sheet | |||||
| Total Assets | 489.62M | 432.97M | 420.22M | 366.71M | 293.02M |
| Cash, Cash Equivalents and Short-Term Investments | 13.34M | 41.00M | 4.31M | 32.07M | 65.03M |
| Total Debt | 36.29M | 40.00M | 45.00M | 65.00M | 12.00M |
| Total Liabilities | 447.66M | 393.82M | 382.84M | 333.56M | 273.29M |
| Stockholders Equity | 41.96M | 39.15M | 37.38M | 33.15M | 19.73M |
Cash Flow | |||||
| Free Cash Flow | 3.12M | 1.56M | 1.78M | -248.67K | -264.50K |
| Operating Cash Flow | 3.41M | 1.66M | 2.34M | 204.59K | -108.03K |
| Investing Cash Flow | -38.76M | 4.52M | -64.34M | -108.34M | 9.08M |
| Financing Cash Flow | 51.49M | 12.45M | 52.29M | 75.18M | 5.15M |
First Pacific Bancorp Technical Analysis
Positive
5.17
Price Trends
5.37
Positive
5.29
Positive
5.26
Positive
Market Momentum
0.06
Positive
67.74
Neutral
75.76
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FPBC, the sentiment is Positive. The current price of 5.17 is below the 20-day moving average (MA) of 5.54, below the 50-day MA of 5.37, and below the 200-day MA of 5.26, indicating a bullish trend. The MACD of 0.06 indicates Positive momentum. The RSI at 67.74 is Neutral, neither overbought nor oversold. The STOCH value of 75.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FPBC.
First Pacific Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $10.83M | 11.83 | -0.44% | ― | 6.38% | 53.09% | |
58 Neutral | $38.74M | 26.88 | 1.71% | ― | 10.06% | ― | |
51 Neutral | $13.46M | -137.34 | 0.09% | ― | 8.13% | -357.58% | |
41 Neutral | $1.53M | -0.39 | -229.75% | ― | -41.20% | 94.76% |
* Financial Sector Average
FPBC
First Pacific Bancorp
5.59
-0.36
-6.05%
CARV
Carver Bancorp
1.39
-0.41
-22.78%
GLBZ
Glen Burnie Bancorp
4.65
0.05
1.09%
KFFB
Kentucky First Federal Bancorp
4.78
2.16
82.25%
SHFS
SHF Holdings
0.28
-2.24
-89.05%
MBBC
Marathon Bancorp
14.29
4.31
43.19%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.