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During the past 12 months, First Pacific Bancorp's average Book Value per Share Growth Rate was 4.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 3.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -1.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 8 years, the highest 3-Year average Book Value per Share Growth Rate of First Pacific Bancorp was 5.70% per year. The lowest was -4.80% per year. And the median was -2.50% per year.
First Pacific Bancorp (OTCPK:FPBC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
First Pacific Bancorp 3-Year Book Growth Rate Related Terms
FPBC vs CNBZ, GNRV, FBPA: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, First Pacific Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Pacific Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Pacific Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First Pacific Bancorp's 3-Year Book Growth Rate falls into.
First Pacific Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 3.20% mean?
First Pacific Bancorp (FPBC) has a 3-Year Book Growth Rate of 3.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Pacific Bancorp and its competitors. According to the industry distribution chart, First Pacific Bancorp ranks #1221 out of 1491 companies in the Banks industry, placing it in the top 81.9%.
Is First Pacific Bancorp's 3-Year Book Growth Rate too high?
First Pacific Bancorp's current 3-Year Book Growth Rate is 3.20%. The Banks industry median 3-Year Book Growth Rate is 8.80. First Pacific Bancorp's value of 3.20% is 63.6% below this industry median. Based on the distribution chart, First Pacific Bancorp ranks #1221 out of 1491 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Pacific Bancorp has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Pacific Bancorp's 3-Year Book Growth Rate compare to CNBZ and GNRV?
According to the Banks industry distribution chart, First Pacific Bancorp ranks #1221 out of 1491 companies for 3-Year Book Growth Rate. This places First Pacific Bancorp in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. First Pacific Bancorp's value of 3.20% is 63.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Pacific Bancorp's current 3-Year Book Growth Rate of 3.20% is 63.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Pacific Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Pacific Bancorp's current 3-Year Book Growth Rate is 3.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Pacific Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Pacific Bancorp (FPBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $6.51, compared to a current price of $8.25 — trading 26.7% above its estimated fair value. The current 3-Year Book Growth Rate is 3.20% and 63.6% below the Banks industry median of 8.80. First Pacific Bancorp's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For First Pacific Bancorp (FPBC), the current 3-Year Book Growth Rate is 3.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Pacific Bancorp (FPBC) Overvalued in 2026?
Based on GuruFocus' analysis, First Pacific Bancorp stock appears to be overvalued.
The current stock price of $8.25 is trading 26.7% above its estimated GF Value™ of $6.51.
GuruFocus considers First Pacific Bancorp to be Modestly Overvalued.
Key valuation signals for FPBC:
3-Year Book Growth Rate: 3.20%
GF Value™: $6.51 vs. price of $8.25 (26.7% above fair value)
Industry Position: 63.6% below the Banks median (#1221 of 1491)
No single metric tells the full story. See the FPBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Pacific Bancorp is engaged in the banking business. The bank offers custom financial solutions for individuals and businesses. The bank offers services such as mobile banking, consumer loans, personal online banking, personal savings and checking plans, business professional services, cash management services, and additional financial services, among others. Its principal source of revenue is providing loans to customers, who are small and middle-market businesses and individuals.
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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