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First Pacific Bancorp
(OTC:FPBC)
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Rating:62Neutral
Price Target:
$9.00
▲(9.09% Upside)
Action:Reiterated
Date:09/18/26
The score is primarily driven by an improving financial profile (return to profitability, better leverage, and a strong 2025 cash-flow rebound), balanced by historical volatility in earnings/cash flow and only mid-level returns. Technicals add support due to price trading above key moving averages with positive MACD, while valuation tempers the overall score given a ~21.9 P/E and no dividend yield provided.
Positive Factors
Return to profitability
The 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.
Negative Factors
Historically volatile cash flow
Despite 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to profitability
The 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.
Read all positive factors
First Pacific Bancorp (FPBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$34.93M
Dividend YieldN/A
Average Volume (3M)6.09K
Price to Earnings (P/E)21.3
Beta (1Y)0.29
Revenue Growth8.87%
EPS Growth2.27%
CountryUS
Employees48
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)<0.01
Shares Outstanding4,385,305
10 Day Avg. Volume374
30 Day Avg. Volume6,090
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 Cap<0.01
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
FPBC primarily makes money through its banking subsidiary by (1) earning net interest income—the spread between interest earned on loans and other interest-earning assets and interest paid on deposits and borrowings—and (2) generating noninterest ...
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 | 3.07M | 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
Neutral
8.25
Price Trends
8.08
Negative
7.16
Positive
6.18
Positive
Market Momentum
-0.04
Positive
47.00
Neutral
42.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FPBC, the sentiment is Neutral. The current price of 8.25 is above the 20-day moving average (MA) of 8.15, above the 50-day MA of 8.08, and above the 200-day MA of 6.18, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 47.00 is Neutral, neither overbought nor oversold. The STOCH value of 42.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | $75.07M | 12.44 | 10.69% | 2.19% | 7.71% | 60.72% | |
68 Neutral | $71.08M | 28.96 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $34.93M | 21.26 | 3.91% | ― | 8.87% | 2.27% | |
58 Neutral | $45.69M | 24.42 | 3.86% | 0.85% | 8.69% | 958.30% | |
47 Neutral | $183.62M | -0.48 | -63.67% | 124.80% | -35.76% | -909.39% |
* Financial Sector Average
FPBC
First Pacific Bancorp
8.00
2.76
52.67%
HFBL
Home Federal Bancorp Of Louisiana
25.39
12.00
89.71%
KFFB
Kentucky First Federal Bancorp
5.91
2.41
68.84%
BAFN
BayFirst Financial Corp
7.35
-2.74
-27.16%
MBBC
Marathon Bancorp
14.80
4.35
41.58%
CLST
Catalyst Bancorp
17.25
3.95
29.70%
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.