First Pacific Bancorp (FPBC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 6 | 6 | 9 | 14 | 15 | 16 | 17 | - |
| Operating profit | $m | 3 | 2 | ||||||
| Net profit | $m | 1 | 0 | -1 | -0 | 1 | 2 | 2 | - |
| EPS reported | $ | 0.46 | 0.38 | ||||||
| Operating cashflow per share | $ | 0.78 | 0.00 | ||||||
| Capex per share | $ | 0.07 | 0.00 | ||||||
| FCF per share | $ | 0.72 | 0.00 | ||||||
| Free cash flow | $m | 3 | 0 | ||||||
| Net debt | $m | 23 | 40 | ||||||
| Book value equity | $m | 42 | 43 | ||||||
| Book value per share | $ | 9.67 | 9.74 | ||||||
| Number of shares | m | 4.34 | 4.39 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.20 | 17.15 | ||||||
| P/B LTM | x | 0.53 | 0.52 | ||||||
| P/S LTM | x | 1.37 | 1.29 | ||||||
| P/FCF LTM | x | 7.16 | 0.00 | ||||||
| EV/EBITDA LTM | x | 14.78 | 20.26 | ||||||
| EV/Sales LTM | x | 1.84 | 1.64 | ||||||
| Earnings Yield LTM | % | +8.93% | +5.83% | ||||||
| FCF Yield | % | +13.97% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +4.79% | +4.99% | ||||||
| ROIC | % | +2.41% | +2.57% | ||||||
| Operating margin | % | +11.17% | +11.29% | ||||||
| Gross margin | % | +66.14% | +67.12% | ||||||
| FCF/Sales | % | +12.67% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +76.92% | +46.15% | ||||||
| Sales Growth YoY | % | +10.98% | +17.93% | ||||||
| Net Income Growth YoY | % | +81.59% | +48.58% | ||||||
| FCF Growth | % | +100.73% | -100.00% | ||||||
| Operating Profit Growth | % | +78.55% | +45.04% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.09 | 0.00 | ||||||
| Net Debt/EBITDA | x | 7.49 | 9.21 | ||||||
| EBIT/Net interest | x | 0.33 | 0.34 | ||||||
| Net debt/market cap | % | +1.62% | +2.22% | ||||||
| Net debt/Equity | x | 0.55 | 0.93 | ||||||
| Gross debt/equity | x | 0.86 | 1.10 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First Pacific Bancorp serves as the holding company for First Pacific Bank, which delivers a comprehensive range of financial and banking products and services. Its deposit offerings include various checking, savings, money market, and NOW accounts, along with individual retirement accounts and certificates of deposit. The institution also provides diverse lending solutions, such as loans for real estate construction, 1-4 family properties, commercial real estate, and general commercial and industrial purposes; Small Business Administration (SBA) loans; personal and consumer financing; home equity lines of credit; letters of credit; and credit cards for both businesses and individuals. Moreover, the company offers cash management services like insured cash sweep, remote deposit capture, automated clearing house (ACH) processing, sweep accounts, wire transfers, Positive Pay fraud prevention, and extensive online and mobile banking platforms. Additionally, it specializes in lending and financing programs tailored for construction and manufacturing equipment, healthcare equipment, computer hardware and software, network and telecommunications systems, and office furniture, alongside offering bespoke financial solutions. The company primarily caters to small and mid-sized businesses and individual clients across California's Los Angeles, Orange, San Bernardino, and San Diego Counties, operating physical branches in Whittier, Santa Fe Springs, Orange, Redlands, and San Diego. Established in 2006 and headquartered in Whittier, California, the entity was previously known as Friendly Hills Bancorp before adopting its current name, First Pacific Bancorp, in September 2023.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First Pacific Bancorp serves as the holding company for First Pacific Bank, which delivers a comprehensive range of financial and banking products and services. Its deposit offerings include various checking, savings, money market, and NOW accounts, along with individual retirement accounts and certificates of deposit. The institution also provides diverse lending solutions, such as loans for real estate construction, 1-4 family properties, commercial real estate, and general commercial and industrial purposes; Small Business Administration (SBA) loans; personal and consumer financing; home equity lines of credit; letters of credit; and credit cards for both businesses and individuals. Moreover, the company offers cash management services like insured cash sweep, remote deposit capture, automated clearing house (ACH) processing, sweep accounts, wire transfers, Positive Pay fraud prevention, and extensive online and mobile banking platforms. Additionally, it specializes in lending and financing programs tailored for construction and manufacturing equipment, healthcare equipment, computer hardware and software, network and telecommunications systems, and office furniture, alongside offering bespoke financial solutions. The company primarily caters to small and mid-sized businesses and individual clients across California's Los Angeles, Orange, San Bernardino, and San Diego Counties, operating physical branches in Whittier, Santa Fe Springs, Orange, Redlands, and San Diego. Established in 2006 and headquartered in Whittier, California, the entity was previously known as Friendly Hills Bancorp before adopting its current name, First Pacific Bancorp, in September 2023.
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