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First Pacific Bancorp (FPBC) Fair Value & Analysis

Financial Services · US · Market cap $29.4M

Price$6.00
Fair Value$5.96
Upside-0.7%
Quality95/100
Evidence: High Range $4.47 – $7.45

Fair value as of: Jun 26, 2026

Analysis

First Pacific Bancorp (FPBC) currently trades at $6.00, while our model-based Fair Value estimate is $5.96 — implying the stock looks roughly 0.7% overvalued today. We read business quality at 95/100 (high 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).

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. 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 v…

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Frequently asked questions

Is First Pacific Bancorp (FPBC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $5.96 versus a price of $6.00 — about −1% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FPBC?
Our 21-model fair value for First Pacific Bancorp is $5.96 (as of Jun 26, 2026), built from audited fundamentals. The current price is $6.00.
What is the quality score of FPBC?
First Pacific Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.