FPBC (First Pacific Bancorp) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


FPBC First Pacific Bancorp FPBC
59 GF Score
Price $6.00
GF Value $6.53
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is First Pacific Bancorp Scaled Net Operating Assets?

First Pacific Bancorp FPBC 59 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates FPBC with a GF Score™ of 59/100 and a GF Value™ of $6.53 (Fairly Valued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Pacific Bancorp's operating assets for the quarter that ended in Mar. 2026 was $483.17 Mil. First Pacific Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $414.51 Mil. First Pacific Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $489.62 Mil. Therefore, First Pacific Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

FPBC
59GF Score
First Pacific Bancorp FPBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Pacific Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Pacific Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(476.28-411.373)/432.972
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=489.616 - 13.336
=476.28

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=447.66 - 36.287 - 0
=411.373

First Pacific Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(483.166-414.507)/489.616
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=490.312 - 7.146
=483.166

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=447.776 - 33.269 - 0
=414.507

* 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.

What does a Scaled Net Operating Assets of 0.14 mean?
First Pacific Bancorp (FPBC) has a Scaled Net Operating Assets of 0.14 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Pacific Bancorp and its competitors.
Is First Pacific Bancorp's Scaled Net Operating Assets too high?
First Pacific Bancorp's current Scaled Net Operating Assets is 0.14. Overall, First Pacific Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Pacific Bancorp's Scaled Net Operating Assets compare to FBPI and WVFC?
First Pacific Bancorp's Scaled Net Operating Assets of 0.14 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Pacific Bancorp and its competitors. First Pacific Bancorp's current Scaled Net Operating Assets is 0.14. 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 Fairly Valued. The stock's GF Value™ is $6.53, compared to a current price of $6.00 — trading 8.1% below its estimated fair value. The current Scaled Net Operating Assets is 0.14. First Pacific Bancorp's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For First Pacific Bancorp (FPBC), the current Scaled Net Operating Assets is 0.14 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 undervalued. The current stock price of $6.00 is trading 8.1% below its estimated GF Value™ of $6.53. GuruFocus considers First Pacific Bancorp to be Fairly Valued.

Key valuation signals for FPBC:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: $6.53 vs. price of $6.00 (8.1% below fair value)
  • GF Score™: 59/100 with 5 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.
59GF Score

Get the complete analysis for FPBC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.00
Price
$6.53
GF Value