FPBC (First Pacific Bancorp) EV-to-FCF: (As of Aug. 01, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FPBC First Pacific Bancorp FPBC
54 GF Score
Price $7.40
GF Value $6.52
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is First Pacific Bancorp EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Pacific Bancorp's Enterprise Value is $58.57 Mil. First Pacific Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, First Pacific Bancorp's EV-to-FCF for today is .

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

FPBC' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 18.76
Current: 18.76

During the past 8 years, the highest EV-to-FCF of First Pacific Bancorp was 18.76. The lowest was 0.00. And the median was 0.00.

FPBC's EV-to-FCF is ranked worse than
80.18% of 1191 companies
in the Banks industry
Industry Median: 7.15 vs FPBC: 18.76

EV-to-FCF 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 (2026-08-01), First Pacific Bancorp's stock price is $7.40. First Pacific Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.470. Therefore, First Pacific Bancorp's PE Ratio (TTM) for today is 15.74.


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

EV-to-FCF 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)
=7.40/0.470
=15.74

First Pacific Bancorp's share price for today is $7.40.
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 $0.470.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


First Pacific Bancorp EV-to-FCF Related Terms


First Pacific Bancorp EV-to-FCF Historical Data

* Premium members only.

The historical data trend for First Pacific Bancorp's EV-to-FCF 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-FCF Chart

First Pacific Bancorp Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial 128.68 -367.29 37.19 36.76 14.52

First Pacific Bancorp Quarterly Data
Dec20 Mar21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 0.00 14.52 0.00

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

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

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

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


FPBC
54GF Score
First Pacific Bancorp FPBC
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Pacific Bancorp EV-to-FCF Calculation

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

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=58.570/0
=

First Pacific Bancorp's current Enterprise Value is $58.57 Mil.
First Pacific Bancorp's Free Cash Flow 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 $7.40 is trading 13.5% above its estimated GF Value™ of $6.52. GuruFocus considers First Pacific Bancorp to be Modestly Overvalued.

Key valuation signals for FPBC:

  • EV-to-FCF:
  • GF Value™: $6.52 vs. price of $7.40 (13.5% above fair value)
  • GF Score™: 54/100 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.
54GF Score

Get the complete analysis for FPBC

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

$7.40
Price
$6.52
GF Value