First Choice Bancorp (California) (FCBP) Stock Price
First Choice Bancorp (California) Price
Over the last 7 years First Choice Bancorp (California) grew revenue by 29.2% annually, reaching 92.50 M USD. Earnings per share have grown at 19.5% per year over the last 4 years. For First Choice Bancorp (California), the net margin of 31.3% is up versus 23.1% a few years ago. The payout ratio is around 41% of earnings. The dividend has grown at 30.8% per year over the past 6 years.
First Choice Bancorp (California) stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of First Choice Bancorp (California) over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Choice Bancorp (California) stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Choice Bancorp (California)'s price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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First Choice Bancorp (California) Revenue, Net Income
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First Choice Bancorp (California) Income Statement, Balance Sheet, Cash Flow Statement
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| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021e | 2022e | 2023e | 2024e |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 15.00 | 23.00 | 30.00 | 35.00 | 39.00 | 58.00 | 84.00 | 92.00 | 105.00 | 106.00 | 110.00 | 115.00 |
| – | 53.33 | 30.43 | 16.67 | 11.43 | 48.72 | 44.83 | 9.52 | 14.13 | 0.95 | 3.77 | 4.55 |
| 606.67 | 86.96 | 90.00 | 97.14 | 100.00 | 98.28 | 98.81 | 98.91 | 98.91 | 98.91 | 98.91 | 98.91 |
| 91.00 | 20.00 | 27.00 | 34.00 | 39.00 | 57.00 | 83.00 | 91.00 | 103.86 | 104.85 | 108.80 | 113.75 |
| 2.00 | 4.00 | 5.00 | 8.00 | 7.00 | 15.00 | 27.00 | 28.00 | 35.00 | 32.00 | 35.00 | 35.00 |
| – | 100.00 | 25.00 | 60.00 | -12.50 | 114.29 | 80.00 | 3.70 | 25.00 | -8.57 | 9.38 | – |
| – | – | – | – | – | – | – | – | 1.00 | – | – | – |
| 12.00 | 12.00 | 12.00 | 7.00 | 7.00 | 9.00 | 12.00 | 12.00 | 12.00 | 12.00 | 12.00 | 12.00 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales First Choice Bancorp (California) generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Choice Bancorp (California) retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Choice Bancorp (California)'s gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares First Choice Bancorp (California) has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Choice Bancorp (California)'s historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
First Choice Bancorp (California) stock margins
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First Choice Bancorp (California) Revenue per Share, Earnings per Share
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First Choice Bancorp (California) business model & stock analysis
First Choice Bancorp (California) SWOT Analysis
Strengths
First Choice Bancorp excels in various aspects, contributing to its strength within the market.
- Strong Financial Position: The company boasts a robust financial position, characterized by stable revenue streams and healthy profit margins.
- Diverse Product Portfolio: First Choice Bancorp offers a wide range of financial products and services, catering to the needs of both individuals and businesses.
- Well-established Brand: With a well-recognized and trusted brand, the company has established a loyal customer base.
- Extensive Network: First Choice Bancorp has built an extensive branch network, providing convenience and accessibility to customers.
Weaknesses
Despite its strengths, First Choice Bancorp has certain weaknesses that need to be addressed.
- Limited Geographic Presence: Currently, the company operates mainly in California, which exposes it to regional economic risks.
- Dependency on Interest Rates: First Choice Bancorp's profitability is highly sensitive to fluctuations in interest rates, which can impact its net interest margin.
- Relatively Small Size: Compared to larger financial institutions, the company may face challenges in terms of resources and market influence.
Opportunities
First Choice Bancorp can leverage several opportunities to fuel its growth and success.
- Market Expansion: The company can explore opportunities to expand its operations beyond California, tapping into new markets and diversifying its geographic presence.
- Digital Transformation: Investing in advanced technology and digital banking solutions can enhance customer experience and attract a tech-savvy customer base.
- Merger and Acquisition: Strategic acquisitions or partnerships can provide First Choice Bancorp with access to new customer segments, complementary products, or expanded services.
- Increasing Demand for Financial Services: With the growing complexity of financial needs, there is an increasing demand for specialized financial services that First Choice Bancorp can capitalize on.
Threats
First Choice Bancorp faces potential threats that could hinder its growth and stability.
- Intense Competition: The banking industry is highly competitive, with both traditional banks and fintech startups vying for market share.
- Regulatory Environment: Adherence to regulatory requirements and compliance can place a burden on First Choice Bancorp's operations and profitability.
- Economic Uncertainty: Macroeconomic factors, such as recession or financial crises, pose risks to the stability and growth of the company.
- Cybersecurity Risks: As the banking sector becomes increasingly digitized, the company faces the threat of cyberattacks and data breaches, which can damage its reputation and financial standing.
First Choice Bancorp (California) Employees
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First Choice Bancorp (California) Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
First Choice Bancorp (California) historical P/E ratio, EBIT multiple, and P/S ratio
First Choice Bancorp (California) annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
First Choice Bancorp (California) shares outstanding
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First Choice Bancorp (California) Dividend History
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First Choice Bancorp (California) dividend payout ratio
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Frequently asked questions about First Choice Bancorp (California)
The business model of First Choice Bancorp (California) is focused on providing a comprehensive range of banking services to individuals, businesses, and professionals in the local community. The company offers various solutions such as deposit accounts, residential and commercial real estate loans, construction loans, consumer loans, and lines of credit. First Choice Bancorp aims to foster long-term relationships with its customers, providing them with personalized financial solutions to meet their unique needs. By focusing on customer satisfaction and building strong ties within the community, First Choice Bancorp strives to achieve sustainable growth and deliver value to its shareholders.
First Choice Bancorp (California) is primarily active in the banking and financial services industry.
The main competitors of First Choice Bancorp (California) in the market include other banking and financial institutions such as Bank of America, Wells Fargo, JPMorgan Chase, and Citibank. These competitors operate on a similar scale and offer a range of banking services, making them notable competitors for First Choice Bancorp (California) in attracting customers and market share.
First Choice Bancorp, headquartered in California, is a prominent financial services company. Established in 2005, it has evolved as a reliable banking partner offering a comprehensive range of products and services. With a strong focus on personalized solutions, First Choice Bancorp caters to customers with distinct financial needs. It has emerged as a leader in community banking, assisting individuals, businesses, and communities with their banking requirements. Over the years, First Choice Bancorp has earned a reputation for its commitment to excellence, innovation, and customer satisfaction. This dedication has contributed to its growth and success in the financial industry.
First Choice Bancorp has achieved various significant milestones throughout its existence. Being a leading financial institution in California, the company has garnered a strong reputation in the industry. Some notable achievements include successful mergers and acquisitions, expansion of its branch network, consistent financial growth, and the establishment of strategic partnerships. First Choice Bancorp has also been recognized for its outstanding customer service, innovative banking solutions, and community involvement initiatives. These achievements have enabled the company to strengthen its position in the market and establish itself as a trusted and reliable banking option in California.
First Choice Bancorp (California) primarily operates in the United States, specifically in the state of California. As a community-focused bank, its presence extends across various regions of the state, including Southern California and Greater Los Angeles. With its headquarters located in Cerritos, First Choice Bancorp serves the local communities by offering a range of banking services. The company's strong presence in California enables it to cater to the unique financial needs of individuals, businesses, and organizations within the region.
First Choice Bancorp (California) represents strong values and a solid corporate philosophy. The company is committed to providing exceptional banking services and building long-term relationships based on trust and integrity. First Choice Bancorp values the highest standards of customer service and strives to deliver innovative financial solutions tailored to meet the unique needs of its clients. With a focus on community involvement, the company actively supports local initiatives and fosters economic growth in California. First Choice Bancorp (California) prides itself on being a reliable partner, dedicated to the success and prosperity of its customers and the communities it serves.
The First Choice Bancorp (California) share (FCBP) is listed on 1 stock exchanges, including: NASDAQ (FCBP).
First Choice Bancorp is a California-based holding company founded by an experienced group of banking and finance experts. The company's business focuses on offering premier banking and financial services to retail customers and businesses. The company is divided into several business segments, each tailored to meet the varying needs of its customers. The first business segment is First Choice Bank, which serves customers in both California and Arizona and focuses on providing deposit and lending products. Customers can apply for a variety of personal and business checking accounts, savings accounts, money market accounts, as well as mortgages and lines of credit. The second segment of First Choice Bancorp is First Choice Loan Services Inc., which has a nationwide presence. This segment specializes in mortgage loans and refinancing. The product range includes a wide selection of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, conforming mortgages, and jumbo mortgages. Customers can also choose from a variety of refinancing options designed to provide them with the flexibility and financial support they need. In addition, First Choice Bancorp offers a wide range of banking, financial, and advisory services to support customers in their growth process. This includes innovative products such as merchant services, treasury services, online and mobile banking, money transfers, as well as leasing and loan services. The holding company is committed to offering its customers premier products and services to meet their financial needs and support them in achieving their goals. For customers relying on robust banking and lending processes, First Choice Bancorp provides flexible solutions to cover all financial needs. First Choice Bancorp has an experienced management team focused on meeting the needs of its customers and demonstrating a high level of dedication and professionalism. The company also maintains strategic partnerships with other financial service providers to build support and alliances, thereby expanding its commitment and offering for its customers. In conclusion, First Choice Bancorp is now one of the leading financial institutions in California, standing out through its focus on premier customer acquisition and service, flexible solutions, and innovative products to support its customers.
The revenue cannot currently be calculated for First Choice Bancorp (California).
The profit cannot currently be calculated for First Choice Bancorp (California).
The P/E ratio cannot be calculated for First Choice Bancorp (California) at the moment.
The P/S cannot be calculated for First Choice Bancorp (California) currently.
The Eulerpool Quality Score for First Choice Bancorp (California) is 4/10.
The ISIN of First Choice Bancorp (California) is US31948P1049. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of First Choice Bancorp (California) is A2JPJ5. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of First Choice Bancorp (California) is FCBP. The ticker symbol is used to trade First Choice Bancorp (California) shares on the stock exchange.
The current dividend yield of First Choice Bancorp (California) is - %.
First Choice Bancorp (California) is assigned to the 'Finance' sector.
The dividends of First Choice Bancorp (California) are distributed in USD.
First Choice Bancorp (California) stock
First Choice Bancorp (California) Peer Group
First Choice Bancorp (California) Ticker
First Choice Bancorp (California) FIGI
All fundamentals and in-depth analysis of First Choice Bancorp (California)
Our stock analysis for First Choice Bancorp (California) stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First Choice Bancorp (California). If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.