FPBC Stock Overview

Operates as a bank holding company for First Pacific Bank that provides various financial and banking products and services. More details

FPBC fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

Earnings grew by 364.7% over the past year

Risk Analysis

Shares are highly illiquid

Earnings have declined by 13.7% per year over past 5 years

Does not have a meaningful market cap ($25M)

Community vs My Fair Value

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First Pacific Bancorp Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Pacific Bancorp
Historical stock prices
Current Share Price	US$5.82
52 Week High	US$6.35
52 Week Low	US$5.01
Beta	0.27
1 Month Change	4.68%
3 Month Change	15.02%
1 Year Change	3.93%
3 Year Change	-35.33%
5 Year Change	-16.86%
Change since IPO	-41.80%

Recent updates

Shareholder Returns

	FPBC	US Banks	US Market
7D	0%	0.9%	0.8%
1Y	3.9%	21.5%	11.5%

Return vs Industry: FPBC underperformed the US Banks industry which returned 20.8% over the past year.

Return vs Market: FPBC underperformed the US Market which returned 11.3% over the past year.

Price Volatility

Is FPBC's price volatile compared to industry and market?
FPBC volatility
FPBC Average Weekly Movement	n/a
Banks Industry Average Movement	4.7%
Market Average Movement	8.0%
10% most volatile stocks in US Market	17.2%
10% least volatile stocks in US Market	4.2%

Stable Share Price: FPBC's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FPBC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Nathan Rogge	www.firstpacbank.com

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.

First Pacific Bancorp Fundamentals Summary

How do First Pacific Bancorp's earnings and revenue compare to its market cap?
FPBC fundamental statistics
Market cap	US$25.23m
Earnings (TTM)	US$1.34m
Revenue (TTM)	US$15.04m

18.9x

P/E Ratio

0.6x

P/B Ratio

Is FPBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FPBC income statement (TTM)
Revenue	US$15.04m
Cost of Revenue	US$0
Gross Profit	US$15.04m
Other Expenses	US$13.70m
Earnings	US$1.34m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.31
Gross Margin	100.00%
Net Profit Margin	8.90%
Debt/Equity Ratio	57.9%

How did FPBC perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/28 14:12
End of Day Share Price	2025/05/20 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Pacific Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

First Pacific Bancorp OTCPK:FPBC Stock Report