FPBC (First Pacific Bancorp) EV-to-OCF: (As of Aug. 10, 2026)

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Director of Data and Quant Analytics at GuruFocus
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FPBC First Pacific Bancorp FPBC
52 GF Score
Price $8.00
GF Value $6.52
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Pacific Bancorp EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First Pacific Bancorp's Enterprise Value is $74.83 Mil. First Pacific Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, First Pacific Bancorp's EV-to-OCF for today is .

The historical rank and industry rank for First Pacific Bancorp's EV-to-OCF or its related term are showing as below:

FPBC' s EV-to-OCF Range Over the Past 10 Years
Min: 21.97   Med: 0   Max: 21.97
Current: 21.97

During the past 8 years, the highest EV-to-OCF of First Pacific Bancorp was 21.97. The lowest was 21.97. And the median was .

FPBC's EV-to-OCF is ranked worse than
88.92% of 1498 companies
in the Banks industry
Industry Median: 4.04 vs FPBC: 21.97

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-10), First Pacific Bancorp's stock price is $8.00. First Pacific Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.380. Therefore, First Pacific Bancorp's PE Ratio (TTM) for today is 21.05.


First Pacific Bancorp  (OTCPK:FPBC) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

First Pacific Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=8.00/0.380
=21.05

First Pacific Bancorp's share price for today is $8.00.
First Pacific Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.380.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


First Pacific Bancorp EV-to-OCF Related Terms


First Pacific Bancorp EV-to-OCF Historical Data

* Premium members only.

The historical data trend for First Pacific Bancorp's EV-to-OCF 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.

First Pacific Bancorp EV-to-OCF Chart

First Pacific Bancorp Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial 314.55 444.33 28.19 34.35 13.31

First Pacific Bancorp Quarterly Data
Mar21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 13.31 0.00 0.00

FPBC vs GBNY, WOBK, PWBK: EV-to-OCF Comparison

For the Banks - Regional subindustry, First Pacific Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, First Pacific Bancorp's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where First Pacific Bancorp's EV-to-OCF falls into.


FPBC
52GF Score
First Pacific Bancorp FPBC
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Pacific Bancorp EV-to-OCF Calculation

First Pacific Bancorp's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=74.834/0
=

First Pacific Bancorp's current Enterprise Value is $74.83 Mil.
First Pacific Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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 $8.00 is trading 22.7% above its estimated GF Value™ of $6.52. GuruFocus considers First Pacific Bancorp to be Modestly Overvalued.

Key valuation signals for FPBC:

  • EV-to-OCF:
  • GF Value™: $6.52 vs. price of $8.00 (22.7% above fair value)
  • GF Score™: 52/100 with 6 warning signs

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 Business Description

Address 16011 E Whittier Boulevard, Whittier, CA, USA, 90603
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.
52GF Score

Get the complete analysis for FPBC

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.00
Price
$6.52
GF Value