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First Pacific BancorpFPBC +3.57%57 Debt-to-Equity is 0.78 as of Mar. 2026, which is 31% below its 10-year median of 1.13. GuruFocus rates FPBC with a GF Score™ of 57/100 and a GF Value™ of $6.53 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,423 Banks companies, First Pacific Bancorp ranks worse than 59.87% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Pacific Bancorp's Debt-to-Equity or its related term are showing as below:
FPBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.58 Med: 1.13 Max: 1.96
Current: 0.78
During the past 8 years, the highest Debt-to-Equity Ratio of First Pacific Bancorp was 1.96. The lowest was 0.58. And the median was 1.13.
FPBC's Debt-to-Equity is ranked worse than 59.87% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs FPBC: 0.78
First Pacific Bancorp (OTCPK:FPBC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Pacific Bancorp Debt-to-Equity Related Terms
First Pacific Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for First Pacific Bancorp's Debt-to-Equity 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.
FPBC vs BAFN, MNBO, GTPS: Debt-to-Equity Comparison
For the Banks - Regional subindustry, First Pacific Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Pacific Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Pacific Bancorp's Debt-to-Equity 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 Debt-to-Equity of 0.78 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Pacific Bancorp and its competitors. This is 31% below median its historical median of 1.13. Over the past decade, First Pacific Bancorp's Debt-to-Equity has ranged from 0.58 to 1.96. According to the industry distribution chart, First Pacific Bancorp ranks #852 out of 1423 companies in the Banks industry, placing it in the top 59.9%.
Is First Pacific Bancorp's Debt-to-Equity too high?
First Pacific Bancorp's current Debt-to-Equity of 0.78 is 31% below median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 1.96. The Banks industry median Debt-to-Equity is 0.56. First Pacific Bancorp's value of 0.78 is 39.3% above this industry median. Based on the distribution chart, First Pacific Bancorp ranks #852 out of 1423 companies in the Banks industry, which is below the industry midpoint. Overall, First Pacific Bancorp has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Pacific Bancorp's Debt-to-Equity compare to BAFN and MNBO?
According to the Banks industry distribution chart, First Pacific Bancorp ranks #852 out of 1423 companies for Debt-to-Equity. This places First Pacific Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.56. First Pacific Bancorp's value of 0.78 is 39.3% above this benchmark. Historically, First Pacific Bancorp's own Debt-to-Equity has ranged from 0.58 to 1.96 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 0.56, First Pacific Bancorp has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Pacific Bancorp's current Debt-to-Equity of 0.78 is 39.3% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Pacific Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Pacific Bancorp's current Debt-to-Equity is 0.78, which is 31% below median its own 10-year median of 1.13. 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 $6.53, compared to a current price of $7.25 — trading 11% above its estimated fair value. The current Debt-to-Equity is 0.78, which is 31% below median its 10-year median of 1.13 and 39.3% above the Banks industry median of 0.56. First Pacific Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Pacific Bancorp (FPBC), the current Debt-to-Equity is 0.78 as of Mar. 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 $7.25 is trading 11% above its estimated GF Value™ of $6.53.
GuruFocus considers First Pacific Bancorp to be Modestly Overvalued.
Key valuation signals for FPBC:
Debt-to-Equity: 0.78 (31% below median its 10-year median of 1.13)
GF Value™: $6.53 vs. price of $7.25 (11% above fair value)
Industry Position: 39.3% above the Banks median (#852 of 1423)
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.
57GF Score
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