MPCB Stock Overview

Operates as the bank holding for Mountain Pacific Bank that engages in the provision of various banking products and services to individual and corporate customers in Snohomish, Skagit, and King Counties. More details

MPCB fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 44.2% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($75M)

My Notes

Capture your thoughts, links and company narrative

Mountain Pacific Bancorp, Inc. Competitors

InsCorp

OTCPK:IBTN

US$73.9m

Southeastern Banking

OTCPK:SEBC

US$77.3m

Coastal Carolina Bancshares

OTCPK:CCNB

US$71.7m

Katahdin Bankshares

OTCPK:KTHN

US$75.9m

Price History & Performance

Summary of share price highs, lows and changes for Mountain Pacific Bancorp
Historical stock prices
Current Share Price	US$11.11
52 Week High	US$12.50
52 Week Low	US$9.53
Beta	0.25
1 Month Change	-1.68%
3 Month Change	4.32%
1 Year Change	5.01%
3 Year Change	23.44%
5 Year Change	n/a
Change since IPO	23.44%

Recent updates

Shareholder Returns

	MPCB	US Banks	US Market
7D	0%	1.2%	-0.8%
1Y	5.0%	39.2%	25.2%

Return vs Industry: MPCB underperformed the US Banks industry which returned 39.2% over the past year.

Return vs Market: MPCB underperformed the US Market which returned 25.2% over the past year.

Price Volatility

Is MPCB's price volatile compared to industry and market?
MPCB volatility
MPCB Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.3%

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

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

About the Company

Founded	Employees	CEO	Website
2006	n/a	Rick Pedack	mp.bank

Mountain Pacific Bancorp, Inc. operates as the bank holding for Mountain Pacific Bank that engages in the provision of various banking products and services to individual and corporate customers in Snohomish, Skagit, and King Counties. The company offers a range of deposits, including demand, checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; and loans, such as home loans, mortgage loans, owner-occupied real estate loans, investment real estate loans, construction loans, business loans, small business administration loans, and maritime lending, as well as debit and credit cards. The company also provides mobile branch services, merchant services, remote deposit capture, wire transfers, e-statements, online cash management, letter of credit, ATM, and online and mobile banking services.

Mountain Pacific Bancorp, Inc. Fundamentals Summary

How do Mountain Pacific Bancorp's earnings and revenue compare to its market cap?
MPCB fundamental statistics
Market cap	US$75.39m
Earnings (TTM)	US$7.91m
Revenue (TTM)	US$29.67m

9.5x

P/E Ratio

1.0x

P/B Ratio

Is MPCB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MPCB income statement (TTM)
Revenue	US$29.67m
Cost of Revenue	US$0
Gross Profit	US$29.67m
Other Expenses	US$21.76m
Earnings	US$7.91m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.17
Gross Margin	100.00%
Net Profit Margin	26.66%
Debt/Equity Ratio	122.5%

How did MPCB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/30 05:54
End of Day Share Price	2025/01/23 00:00
Earnings	2024/12/31
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 here.

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 .

Analyst Sources

Mountain Pacific Bancorp, Inc. 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.

Analyst	Institution

Mountain Pacific Bancorp OTCPK:MPCB Stock Report