Mountain Pacific Bancorp Inc (MPCB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Mountain Pacific Bancorp Inc $14.31, price $17.00, upside -15.8%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Mountain Pacific Bancorp Inc for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee 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 $7.25 – $18.00 · fair‑value band $11.91 – $26.24 · the $17.00 price screens above the $14.31 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow Mountain Pacific Bancorp in your weekly email
Every Wednesday you see whether Mountain Pacific Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Mountain Pacific Bancorp, Inc., a bank holding company, provides various banking services to individual and corporate customers.
Show more
Mountain Pacific Bancorp, Inc., a bank holding company, provides various banking services to individual and corporate customers. The company offers deposits, including demand, checking, savings, money market, and individual retirement accounts, as well as certificates of deposits, and treasury and merchant services; loans, such as home, mortgage, home equity, commercial real estate, owner-occupied real estate, investment real estate, construction, small business administration, and maritime loans, as well as credit and debit cards. The company also provides mobile branch, merchant, remote deposit capture, e-statement, wire transfer, online cash management, positive pay, letter of credit, ATM, and mobile banking and deposit services; IntraFi Network that provides options for financial flexibility and security; and personal and business online banking services. In addition, it offers financial services, including commercial and retail banking services, commercial and retail deposit accounts, commercial financing, consumer and mortgage lending, and treasury management services. Mountain Pacific Bancorp, Inc. was founded in 2006 and is headquartered in Everett, Washington.
Stock analysis
Mountain Pacific Bancorp Inc (MPCB) currently trades at $17.00, while our model-based Fair Value estimate is $14.31, implying the stock looks roughly 18.8% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $18.08 per share, and 2 of the 4 models we run sit above the $17.00 price.
Bear case: the Asset-Based group reads lowest at $8.65, and 2 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $11.91 (bear) to $26.24 (bull), the price of $17.00 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 54/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Mountain Pacific Bancorp Inc reported revenue of $61.3M in FY2025 versus $28.4M in FY2021, a compound +21.2%/yr. Reported net income was $13.1M in FY2025, compounding +16.7%/yr from FY2021.
Key figures
Market cap $116M · P/E ratio 10.4 · P/S ratio 2.23 · EPS (TTM) $1.63 · Net margin 21.4% · Return on equity 14.4% · Return on assets (EBIT) 1.6% · Operating margin 40.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −16%, MPCB screens cheaper than that median.
Fair Value models
Bear $11.91Fair Value $14.31Bull $26.24
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.20 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+19.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.2%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.0%
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+17.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.8%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 27%
2025 sits 54% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−13.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −15.8% a year for the price.
Compare Mountain Pacific Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 1076 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside−16% · Above median
Profitability
Return on equity (TTM)14% · Top 25%
Return on assets1% · Top 25%
Net margin (TTM)32% · Above median
Operating margin (TTM)40% · Above median
Growth and dividend
Revenue growth−4% · Bottom 25%
Balance sheet
Debt / equity0.19× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Mountain Pacific Bancorp Inc (MPCB) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $14.31 versus a price of $17.00, about −16% upside (overvalued).
What is the fair value of MPCB?
Our model-based fair value for Mountain Pacific Bancorp Inc is $14.31 (as of Sep 23, 2026), built from audited fundamentals. The current price: $17.00.
What is the quality score of MPCB?
Mountain Pacific Bancorp Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Mountain Pacific Bancorp Inc (MPCB)?
Our model-based price target is the fair value of $14.31 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $11.91, optimistic scenario $26.24. It is a calculation from audited fundamentals, not an analyst target.
What is the Mountain Pacific Bancorp Inc stock forecast for 2026?
Our models put fair value at $14.31, about −16% upside versus a price of $17.00 (overvalued). Cautious scenario $11.91, optimistic scenario $26.24. The calculation is refreshed regularly with new filings.
What is the revenue of Mountain Pacific Bancorp Inc (MPCB)?
Mountain Pacific Bancorp Inc reported trailing-twelve-month revenue of about $38.3M (latest available figure, as of Sep 23, 2026).
What growth is priced into Mountain Pacific Bancorp Inc (MPCB)?
For today's price to be fair in a discounted-cash-flow model, Mountain Pacific Bancorp Inc would have to grow free cash flow by -13.8 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.2 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of MPCB use?
Our models discount Mountain Pacific Bancorp Inc at 11.2 %: a base by market capitalisation (micro), damped by beta 0.26, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Mountain Pacific Bancorp Inc that is -13.8 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Mountain Pacific Bancorp Inc (MPCB) delivered so far?
Over the past 5 years revenue at Mountain Pacific Bancorp Inc grew +21.2 % a year. The price currently implies -13.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Mountain Pacific Bancorp Inc (MPCB) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Mountain Pacific Bancorp Inc (-13.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Mountain Pacific Bancorp Inc (MPCB)?
The free-cash-flow yield on the price is 11.49 %: that much free cash flow Mountain Pacific Bancorp Inc produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Mountain Pacific Bancorp Inc (MPCB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Mountain Pacific Bancorp Inc it is $14.31 per share (as of Sep 23, 2026), against a price of $17.00. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Mountain Pacific Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MPCB trades above its calculated fair value: price $17.00, fair value $14.31, a gap of about −16% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MPCB?
No. The price is what the market pays today ($17.00); the fair value is what the company's own numbers justify ($14.31). For Mountain Pacific Bancorp Inc the two are $2.69 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mountain Pacific Bancorp Inc worth?
The market values Mountain Pacific Bancorp Inc at about $116M (market capitalisation, as of Sep 23, 2026). Per share that is $17.00; our models calculate a fair value of $14.31 per share.
What do the bullish and bearish scenarios say about MPCB?
Our models span a range for Mountain Pacific Bancorp Inc: cautious scenario $11.91, base $14.31, optimistic $26.24 per share (as of Sep 23, 2026, price $17.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MPCB?
Mountain Pacific Bancorp Inc trades at a price-to-earnings ratio of 10.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.31 is built from several models across several years. Other multiples: P/B 1.3, P/S 3.0, EV/EBITDA 3.7.
How solid is the balance sheet of Mountain Pacific Bancorp Inc (MPCB)?
Balance-sheet figures for Mountain Pacific Bancorp Inc (as of Sep 23, 2026): return on equity 14.4%, debt of 0.19 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is MPCB from its 52-week high?
Mountain Pacific Bancorp Inc trades at $17.00, about 6% below its 52-week high of $18.00 and 26% above the low of $13.50 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $14.31 is for.
Which stocks are comparable to Mountain Pacific Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Mountain Pacific Bancorp Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $17.00, calculated fair value $14.31 (−16%), Quality Score 54/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MPCB calculated?
We run Mountain Pacific Bancorp Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.31, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Mountain Pacific Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Mountain Pacific Bancorp Inc (MPCB)?
The closing price on Sep 23, 2026 was $17.00. Our model-based fair value is $14.31, about −16% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mountain Pacific Bancorp Inc right now?
Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($11.91 to $26.24) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Mountain Pacific Bancorp Inc
How large is the market capitalisation of Mountain Pacific Bancorp Inc (MPCB)?
The market capitalisation of Mountain Pacific Bancorp Inc is $116M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Mountain Pacific Bancorp Inc (MPCB)?
The price-to-sales ratio of Mountain Pacific Bancorp Inc is 2.23 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Mountain Pacific Bancorp Inc (MPCB)?
Earnings per share at Mountain Pacific Bancorp Inc are $1.63 (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Mountain Pacific Bancorp Inc (MPCB)?
The net margin of Mountain Pacific Bancorp Inc is 21.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Mountain Pacific Bancorp Inc (MPCB)?
The return on equity (ROE) of Mountain Pacific Bancorp Inc is 14.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Mountain Pacific Bancorp Inc (MPCB)?
On an EBIT basis the return on assets of Mountain Pacific Bancorp Inc is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Mountain Pacific Bancorp Inc (MPCB)?
The operating margin of Mountain Pacific Bancorp Inc is 40.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Mountain Pacific Bancorp Inc (MPCB)?
Revenue at Mountain Pacific Bancorp Inc is growing −3.6% versus a year earlier (3y avg +27.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Mountain Pacific Bancorp Inc (MPCB)?
Earnings per share at Mountain Pacific Bancorp Inc are growing +35.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Mountain Pacific Bancorp Inc (MPCB) carry?
The net debt of Mountain Pacific Bancorp Inc is $24.4M (fiscal year 2025, ≈ 1.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Mountain Pacific Bancorp Inc in the live analysis
One click puts Mountain Pacific Bancorp Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Broad data
Sep 23, 2026