First Pacific Bancorp (FPBC)
OTHER OTC:FPBC
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First Pacific Bancorp
(OTC:FPBC)
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Rating:63Neutral
Price Target:
$7.00
▲(35.40% Upside)
Action:Reiterated
Date:06/18/26
The score is driven primarily by improved financial performance (return to profitability, better leverage, and a strong 2025 cash flow rebound), offset by historical volatility in earnings/cash generation. Technically, the stock is in a clear uptrend but looks overbought, and valuation appears roughly moderate with limited dividend context.
Positive Factors
Return to profitability and improved net margin
The firm has moved from multi-year losses into sustained positive earnings with a net margin around 8.2% in 2025. That structural shift improves internal funding capacity, lowers reliance on external capital, and supports reinvestment and stability over the medium term.
Negative Factors
Choppy multi-year cash flow history
Prior years of negative and uneven cash flow reduce confidence that the 2025 rebound is durable. That volatility complicates forecasting, increases the probability of future liquidity stress in downturns, and forces conservative capital allocation or higher precautionary liquidity.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to profitability and improved net margin
The firm has moved from multi-year losses into sustained positive earnings with a net margin around 8.2% in 2025. That structural shift improves internal funding capacity, lowers reliance on external capital, and supports reinvestment and stability over the medium term.
Read all positive factors
First Pacific Bancorp (FPBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$12.99M
Dividend YieldN/A
Average Volume (3M)280.00
Price to Earnings (P/E)14.2
Beta (1Y)0.13
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 Cap3.49
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 | 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
Positive
5.17
Price Trends
5.44
Positive
5.33
Positive
5.28
Positive
Market Momentum
0.22
Negative
94.06
Negative
91.11
Negative
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 5.68, below the 50-day MA of 5.44, and below the 200-day MA of 5.28, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 94.06 is Negative, neither overbought nor oversold. The STOCH value of 91.11 is Negative, 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% | |
63 Neutral | $12.99M | 14.18 | -0.44% | ― | 6.38% | 53.09% | |
58 Neutral | $41.24M | 29.35 | 1.71% | ― | 10.06% | ― | |
51 Neutral | $13.20M | -134.66 | 0.09% | ― | 8.13% | -357.58% | |
41 Neutral | $1.59M | -0.35 | -229.75% | ― | -41.20% | 94.76% |
* Financial Sector Average
FPBC
First Pacific Bancorp
6.70
0.75
12.61%
CARV
Carver Bancorp
1.54
-0.13
-7.78%
GLBZ
Glen Burnie Bancorp
4.52
-0.18
-3.83%
KFFB
Kentucky First Federal Bancorp
5.10
2.41
89.59%
SHFS
SHF Holdings
0.25
-2.10
-89.53%
MBBC
Marathon Bancorp
15.31
5.27
52.49%
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.