Friendly Hills Bancorp (FPBC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Friendly Hills Bancorp $6.77, price $8.25, upside -17.9%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Friendly Hills Bancorp
FPBC · USWeak valuationQuality is weak on top of the rich price.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $5.00 – $10.33 · fair‑value band $5.08 – $8.46 · the $8.25 price screens above the $6.77 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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.
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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.
Stock analysis
Friendly Hills Bancorp (FPBC) currently trades at $8.25, while our model-based Fair Value estimate is $6.77, implying the stock looks roughly 21.9% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $6.41 per share, and 0 of the 4 models we run sit above the $8.25 price.
Bear case: the Multiples group reads lowest at $5.96, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $5.08 (bear) to $8.46 (bull), the price of $8.25 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Friendly Hills 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.
Key figures
Market cap $35.8M · P/E ratio 17.6 · P/S ratio 1.43 · EPS (TTM) $0.4700 · Net margin 8.2% · Return on equity 5.0% · Return on assets (EBIT) 0.1% · Operating margin 14.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 63% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −18%, FPBC screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 41 · Market factors (momentum, volatility) 90
Revenue & earnings trend
Growth Forecast
FPBC screens 22% overvalued. Compare with DBS Group →
Compare Friendly Hills Bancorp with another stock
Price, fair value, quality and upside side by side.
Peer Groupⓘ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.Banks - Regional · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Friendly Hills Bancorp
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