First Pacific Bancorp

First Pacific Bancorp

FPBC
First Pacific BancorpUS flagOther OTC
7.74
USD
+0.24
- -
15.01MMarket Cap
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.58
2.92
2.89
2.89
3.83
3.41
3.42
3.75
2.9
Basic EPS, GAAP
0.44
0.55
0.51
0.09
-0.4
-0.04
0.26
0.46
0.34
Free Cash Flow per Basic Share
0.29
0.48
0.68
-0.13
-0.1
0.45
0.36
0.72
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
8.09
8.82
9.29
9.38
13.23
8.96
8.69
9.11
9.9
Tangible Book Value per Share
8.32
9.53
10.03
8.94
13
9.04
8.85
9.4
9.5
Basic Weighted Avg Shares
2
2
2
2
2
4
4
4
4
Sales/Revenue/Turnover
5
6
6
6
9
14
15
16
13
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
1
1
- -
-1
- -
1
2
1
Effective Tax Rate (%)
27.97
28.08
27.47
14.13
- -
- -
28.15
26.93
26.2
Profit Margin (%)
17.21
18.93
17.65
3.26
-10.55
-1.21
7.54
12.34
11.6
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
13
20
20
12
65
45
40
36
33
Total Equity
17
19
21
20
33
37
39
42
43
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
6.46
5.64
1.01
-3.86
-0.48
3.03
5.24
3.51

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
22
22
22

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
13
7
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
17.77%
7.16%
Free Cash Flow
- -
-170.39%
100.73%
Net Income, GAAP
- -
-296.71%
81.59%
Sales/Revenue/Turnover
- -
25.18%
10.98%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
4
4
4
15
2025
4
4
- -
4
16
2026
4
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.05
0.06
0.12
0.26
2025
0.09
0.1
- -
0.13
0.46
2026
0.1
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Nathan L. Rogge
Full Time Employees
49
Sector
Financial Services
Industry
Banks - Regional
Address
16011 Whittier Boulevard Whittier CA United States of America 90603
IPO Date
Feb 13, 2007
Business
First Pacific Bancorp (OTCPK:FPBC) is the bank holding company for First Pacific Bank, a community bank serving small-to-medium sized businesses, professionals and individuals throughout Southern California; it provides commercial and personal banking products and services, including checking and savings accounts, certificates of deposit, money market accounts, commercial real estate and construction loans, industrial banking loans, Small Business Administration loans, home equity lines of credit, letters of credit, business and personal credit cards, cash management services, merchant services and specialty equipment financing for commercial trucks, vehicles, construction equipment, technology solutions and machinery. The company caters to industries such as agriculture, real estate, property management, manufacturing, healthcare, professional services, education, nonprofits and craft beverages through tailored financial solutions. Founded in 2006 as Friendly Hills Bank in Whittier, California, where it maintains headquarters, First Pacific Bancorp operates branches and offices in Los Angeles County, Orange County, San Diego County and the Inland Empire. In recent years, the company formed a holding company structure in 2021, acquired three Bank of Southern California branches in September 2021, launched a specialty lending group for equipment financing in May 2022, expanded into San Diego with a regional office in June 2022 and a full-service branch in Del Mar in October 2022, rebranded the bank to First Pacific Bank in December 2022 and the holding company to First Pacific Bancorp in September 2023, partnered with Finastra in September 2024 to expand instant payments capabilities including FedNow services via a cloud-based SaaS payments hub, selected Q2 Holdings' digital banking platform in November 2024 to enhance commercial banking competitiveness, received consecutive Great Company Culture Awards in 2024 and 2025, became a finalist for the 2025 BBB Torch Awards for Ethics in August 2025 and opened an upgraded full-service branch and regional office in San Diego at 11988 El Camino Real in September 2025; total assets reached $486 million, deposits $390 million and loans $320 million as of September 30, 2025, reflecting strong organic growth.

Company News

APIChatGPT
  • First Pacific Bank Earns Third Consecutive CultureID Recognition with 2026 Elite Company Culture Award

  • First Pacific Bancorp Reports Solid First Quarter 2026 Results

  • First Pacific Bank Names Craig Misrach Executive Vice President and Chief Banking Officer

  • First Pacific Bancorp Reports Strong Third Quarter 2025 Results Driven by Loan and Deposit Growth

  • First Pacific Bank Named 2025 BBB Torch Awards for Ethics Finalist

  • First Pacific Bank Recognized for Exceptional Workplace Culture, Two Years Running

  • First Pacific Bancorp Reports First Quarter 2025 Results

  • First Pacific Bancorp Reports Fourth Quarter and Full Year 2024 Results

  • First Pacific Bancorp Reports Third Quarter 2024 Results

  • First Pacific Bank Announces Promotion of Tony DiVita to Executive Vice President, Chief Operating Officer