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First Pacific Bancorp
FPBCFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $24.63M | 8.2% | $2.02M | $3.13M | N/A |
| 2027 | $27.10M | 8.2% | $2.22M | $3.44M | $3.13M |
| 2028 | $29.81M | 8.2% | $2.44M | $3.79M | $3.13M |
| 2029 | $32.79M | 8.2% | $2.69M | $4.16M | $3.13M |
| 2030 | $36.07M | 8.2% | $2.96M | $4.58M | $3.13M |
| 2031 | $39.67M | 8.2% | $3.25M | $5.04M | $3.13M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.46 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $4.823 | EPS × (1 + G)^5 |
| Base P/E | 11.1 | P/E |
| Future price | $53.54 | Future EPS × P/E |
| Fair value today | $33.244 | PV @ 10.0% |
| 30% safety price | $23.271 | Margin of safety |
| 50% safety price | $16.622 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $9.366 | $11.197 | $13.694 |
| 10.0% | $7.516 | $8.866 | $10.632 |
| 11.0% | $6.058 | $7.086 | $8.388 |