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First Pacific BancorpFPBC -0.60%50 Cash-to-Debt is 0.16 as of Jun. 2026, which is 43% below its 10-year median of 0.28. GuruFocus rates FPBC with a GF Score™ of 50/100 and a GF Value™ of $6.51 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, First Pacific Bancorp ranks worse than 91.14% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. First Pacific Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.16.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, First Pacific Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for First Pacific Bancorp's Cash-to-Debt or its related term are showing as below:
FPBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.28 Max: No Debt
Current: 0.16
During the past 8 years, First Pacific Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.07. And the median was 0.28.
FPBC's Cash-to-Debt is ranked worse than 91.14% of 1490
companies
in the Banks industry
Industry Median: 1.395
vs FPBC: 0.16
First Pacific Bancorp (OTCPK:FPBC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
First Pacific Bancorp Cash-to-Debt Related Terms
First Pacific Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for First Pacific Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, First Pacific Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, First Pacific Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where First Pacific Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Pacific Bancorp (FPBC) has a Cash-to-Debt of 0.16 as of Jun. 2026. This is 43% below median its historical median of 0.28. Over the past decade, First Pacific Bancorp's Cash-to-Debt has ranged from 0.07 to 10,000.00. According to the industry distribution chart, First Pacific Bancorp ranks #1358 out of 1490 companies in the Banks industry, placing it in the top 91.1%.
Is First Pacific Bancorp's Cash-to-Debt too high?
First Pacific Bancorp's current Cash-to-Debt of 0.16 is 43% below median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.40. First Pacific Bancorp's value of 0.16 is 88.5% below this industry median. Based on the distribution chart, First Pacific Bancorp ranks #1358 out of 1490 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 Cash-to-Debt compare to CNBZ and GNRV?
According to the Banks industry distribution chart, First Pacific Bancorp ranks #1358 out of 1490 companies for Cash-to-Debt. This places First Pacific Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.40. First Pacific Bancorp's value of 0.16 is 88.5% below this benchmark. Historically, First Pacific Bancorp's own Cash-to-Debt has ranged from 0.07 to 10,000.00 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 1.40, First Pacific Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Pacific Bancorp's current Cash-to-Debt of 0.16 is 88.5% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Pacific Bancorp's current Cash-to-Debt is 0.16, which is 43% below median its own 10-year median of 0.28. 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 Cash-to-Debt is 0.16, which is 43% below median its 10-year median of 0.28 and 88.5% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For First Pacific Bancorp (FPBC), the current Cash-to-Debt is 0.16 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:
Cash-to-Debt: 0.16 (43% below median its 10-year median of 0.28)
GF Value™: $6.51 vs. price of $8.25 (26.7% above fair value)
Industry Position: 88.5% below the Banks median (#1358 of 1490)
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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