OTC · Banks - Regional

First Pacific Bancorp (FPBC) Stock

$7.74 +0.00% OTC: FPBC Financial Services

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.

Valuation

MetricValue
Price$7.74
Market Cap$15.01M
P/E Ratio16.47
P/B Ratio0.80
P/S Ratio0.60
EPS (TTM)$0.47
52-Week High$7.74
52-Week Low$5.00
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE4.99%
ROA0.42%
ROCE3.52%
Gross Margin67.12%
Operating Margin11.29%
Net Margin8.24%
Debt/Equity0.78
Current Ratio0.02

Annual Financials (USD)

Metric20212022202320242025
Revenue$6.0M$10.0M$21.0M$23.0M$25.0M
Operating Profit$0$-1.0M$0$2.0M$3.0M
Net Profit$0$-1.0M$0$1.0M$2.0M
EPS$0.09$-0.40$-0.04$0.26$0.46
Op Margin3.5%-14.3%-1.6%6.6%11.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$293.0M$367.0M$420.0M$433.0M$490.0M
Total Liabilities$273.0M$334.0M$383.0M$394.0M$448.0M
Cash$65.0M$4.0M$4.0M$5.0M$13.0M
Borrowings$12.0M$65.0M$45.0M$40.0M$36.0M

Latest News

First Pacific Bank Earns Third Consecutive CultureID Recognition with 2026 Elite Company Culture Award GlobeNewswire · Jun 23, 2026 First Pacific Bancorp Reports Solid First Quarter 2026 Results GlobeNewswire · May 8, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$0$0$2.0M$2.0M$3.0M
Investing Cash Flow$9.0M$-109.0M$-65.0M$4.0M$-39.0M
Financing Cash Flow$14.0M$7.0M$68.0M$17.0M$55.0M
Net Cash Flow$14.0M$-33.0M$-10.0M$19.0M$16.0M
Free Cash Flow$0$0$2.0M$2.0M$3.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.35
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y31.41%
Return 3Y10.57%
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ASCNAbsecon Bancorp $121.00 +0.00% 0.00 $13.25M 3.38%
CAIBCalifornia International Bank, N.A. $0.15 +0.00% 0.00 $25.57M 0.00%
CBFCCNB Financial Services, Inc. $80.00 +0.00% 10.51 $30.39M 1.58%
EBSHEmpire Bancshares, Inc. $41.10 +0.00% 18.77 $27.18M 1.15%
FNFIFirst Niles Financial, Inc. $8.65 -1.70% 11.38 $9.63M 2.77%

About 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.

First Pacific Bancorp is headquartered in US.

First Pacific Bancorp (FPBC) stock trades at $7.74 with a market capitalization of $15.01M. The stock is valued at a price-to-earnings (P/E) ratio of 16.47, price-to-book of 0.80, price-to-sales of 0.60. Over the past 52 weeks the stock has ranged between $5.00 and $7.74, and currently trades at its 52-week high.

On profitability, First Pacific Bancorp generates a return on equity (ROE) of 4.99%, return on capital employed of 3.52%, an operating margin of 11.29%, a net profit margin of 8.24%.

Official website: www.firstpacbank.com

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