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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 $5.00 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 $36.40M.

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 68 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, missing the consensus estimate of N/A by N/A.

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, missing expectations of N/A. 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

$7.85

-$0.15(-1.94%)

At close: Jul 27 4:00 PM EDT

$7.85

-$0.15(-1.94%)

Day’s Range― - ―

52-Week Range$5.00 - $8.35

Previous CloseN/A

Volume1.41K

Average Volume (3M)280.00

Market Cap

$36.40M

Enterprise Value$70.80

Total Cash (Recent Filing)N/A

Total Debt (Recent Filing)N/A

Price to Earnings (P/E)22.1

Beta0.26

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. 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 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

Bulls Say, Bears Say

Bulls Say

Return To Profitability And Improving MarginsThe move from losses to sustained profitability across 2024–2025 indicates a meaningful earnings recovery. Higher 2025 net margin also provides a stronger base for internally funded growth, provided performance remains stable.

Deleveraging And Stronger Equity PositionLower leverage and a larger equity base improve financial resilience and reduce balance-sheet pressure. This gives the bank greater flexibility to absorb operating volatility while supporting future lending and investment capacity.

Strong 2025 Cash Flow ReboundPositive operating and free cash flow strengthens the company’s ability to fund operations without relying as heavily on external capital. If maintained, the rebound can support balance-sheet improvement and more durable earnings quality.

Bears Say

Historically Volatile Cash GenerationThe sharp 2025 improvement has not yet established a consistent multi-year pattern. Prior negative free cash flow and uneven operating cash generation reduce confidence that current cash performance will remain durable.

Moderate Returns On EquityAlthough ROE has turned positive, its modest level suggests the bank is not yet generating strong returns from its equity base. This may constrain capital accumulation and indicates profitability remains vulnerable to weaker conditions.

Uneven Revenue And Earnings GrowthThe normalization after 2023 shows that growth has not followed a smooth, dependable trajectory. Uneven revenue and earnings trends make it harder to assess the durability of the recent profitability improvement.

FPBC FAQ

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

First Pacific Bancorp lowest stock price was $5.00 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 $36.40M.

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 68 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, missing the consensus estimate of N/A by N/A.

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, missing expectations of N/A. 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

Top Smart Score Stocks >

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.