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First Pacific Bancorp · OTC
Price: $5.55 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in FPBC → $4.12M in 10 years · $471.86/month
First Pacific Bancorp operates as a bank holding company for First Pacific Bank that provides various financial and banking products and services. It offers deposit products, including checking, savings, money market, NOW, and individual retirement accounts, as well as certificate of deposit. The company also provides loan products, such as real estate construction, 1-4 family, commercial real estate, and commercial and industrial loans; small business administration; consumer and personal loans; home equity lines of credit; letters of credit; and business and personal credit cards. In addition, it offers cash management services and solutions, including insured cash sweep, remote deposit capture, automated clearing house, sweep accounts, wire transfers, Positive Pay, and online and mobile banking services. Further, the company provides specialty lending and financing solutions for construction and manufacturing equipment; healthcare equipment; computer hardware and software; network and phone communications systems; and office furniture, as well as bespoke solutions. The company serves small and middle-market businesses, and individuals in the Los Angeles, Orange, San Bernardino, and San Diego County areas of California. It operates branches in Whittier, Santa Fe Springs, Orange, Redlands, and San Diego, California. The company was formerly known as Friendly Hills Bancorp and changed its name to First Pacific Bancorp in September 2023. First Pacific Bancorp was founded in 2006 and is based in Whittier, California.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold FPBC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 36.04% | 33.24% | $3,604 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 30.63% | 27.83% | $3,063 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 28.83% | 26.03% | $2,883 / yr |
| 🇬🇧 UK ISA | 0% | 36.04% | 33.24% | $3,604 / yr |
| 🇬🇧 UK Taxable | 8.75% | 32.89% | 30.09% | $3,289 / yr |
| 🇨🇦 TFSA | 0% | 36.04% | 33.24% | $3,604 / yr |
| 🇨🇦 CA Taxable | 25% | 27.03% | 24.23% | $2,703 / yr |
| 🇦🇺 Super (pension) | 15% | 30.63% | 27.83% | $3,063 / yr |
| 🇦🇺 AU Taxable | 30% | 25.23% | 22.43% | $2,523 / yr |
| 🇩🇪 DE Taxable | 26.375% | 26.53% | 23.73% | $2,653 / yr |
| 🇫🇷 FR Taxable | 30% | 25.23% | 22.43% | $2,523 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
FPBC pays quarterly — 4 times per year. Next ex-div: TBD.
How FPBC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FPBC sourced from FMP /financial-growth endpoint — real data, not estimates.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FPBC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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