First Pacific Bancorp (FPBC) Fair Value & Analysis

Financial Services · US · Market cap $29.4M

Below-average quality, and screening another 26% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($7.45). The favourable scenario is already priced in.
• Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $5.00 – $11.03 · fair‑value band $4.47 – $7.45 · the $8.00 price screens above the $5.96 fair value. Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

First Pacific Bancorp (FPBC) currently trades at $8.00, while our model-based Fair Value estimate is $5.96, implying the stock looks roughly 25.5% overvalued today. The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, First Pacific Bancorp generated revenue of $16.9M at a net margin of 12.3%. Revenue grew 15.6% year over year. It earns a return on equity of 5.0%. Net debt stands at $23.0M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $4.47 (bear case) to $7.45 (bull case); at $8.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 60% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -26%, FPBC screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based ($6.41) versus Multiples ($5.96). Highest evidence: P/E Multiple (63).

Key figures & financial health

Quality Score breakdown

About the company

First Pacific Bancorp operates as a bank holding company for First Pacific Bank that provides various financial and banking products and services. It offers checking and savings account, merchant, certificate of deposit, and money market.

Full company description

First Pacific Bancorp operates as a bank holding company for First Pacific Bank that provides various financial and banking products and services. It offers checking and savings account, merchant, certificate of deposit, and money market. The company also provides loan products, such as commercial real estate and construction loans; industrial banking loan; small business administration; home equity lines of credit; letters of credit; and business and personal credit cards. In addition, it offers cash management services and solutions, including insured cash sweep, remote deposit capture, automated clearing house, sweep accounts, wire transfers, positive pay, and online and mobile banking services. Further, the company provides specialty lending and financing solutions for construction and manufacturing equipment; healthcare equipment; computer hardware and software; network and phone communications systems; office furniture; and business fleets, including heavy-duty trucks, cargo vans, flatbeds, dump trucks, and box trucks, as well as bespoke solutions and equipment loans. The company serves small and middle-market businesses, and individuals in the Los Angeles, Orange, San Bernardino, and San Diego County areas of California. It operates branches in Whittier, Santa Fe Springs, Orange, and San Diego, California. The company was formerly known as Friendly Hills Bancorp and changed its name to First Pacific Bancorp in September 2023. First Pacific Bancorp was founded in 2006 and is based in Whittier, California.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

First Pacific Bancorp reported revenue of $24.6M in FY2025 versus $6.3M in FY2021, a compound +40.4%/yr. Reported net income was $2.0M in FY2025, compounding +80.7%/yr from FY2021.

FPBC screens 26% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.