Friendly Hills Bancorp
First Pacific Bancorp operates as a bank holding company for First Pacific Bank that provides various financial and banking products and services. It offers checking and savings account, merchant, certificate of deposit, and money market. The company also provides loan products, such as commercial real estate and construction loans; industrial banking loan; small business administration; home equ… Read more
Friendly Hills Bancorp (FPBC) - Net Assets
Latest net assets as of December 2025: $41.96 Million USD
Based on the latest financial reports, Friendly Hills Bancorp (FPBC) has net assets worth $41.96 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($489.62 Million) and total liabilities ($447.66 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $41.96 Million |
| % of Total Assets | 8.57% |
| Annual Growth Rate | 10.65% |
| 5-Year Change | 112.66% |
| 10-Year Change | 164.44% |
| Growth Volatility | 19.22 |
Friendly Hills Bancorp - Net Assets Trend (2015–2025)
This chart illustrates how Friendly Hills Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Friendly Hills Bancorp (2015–2025)
The table below shows the annual net assets of Friendly Hills Bancorp from 2015 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $41.96 Million | +7.16% |
| 2024-12-31 | $39.15 Million | +4.76% |
| 2023-12-31 | $37.38 Million | +12.74% |
| 2022-12-31 | $33.15 Million | +68.03% |
| 2021-12-31 | $19.73 Million | -3.83% |
| 2020-12-31 | $20.51 Million | +7.71% |
| 2019-12-31 | $19.05 Million | +12.08% |
| 2018-12-31 | $16.99 Million | +4.27% |
| 2017-12-31 | $16.30 Million | +2.72% |
| 2016-12-31 | $15.87 Million | +4.10% |
| 2015-12-31 | $15.24 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Friendly Hills Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 631308500.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $4.66 Million | 11.11% |
| Common Stock | $37.87 Million | 90.26% |
| Other Comprehensive Income | $-577.49K | -1.38% |
| Total Equity | $41.96 Million | 100.00% |
Friendly Hills Bancorp Competitors by Market Cap
The table below lists competitors of Friendly Hills Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
S2 Resources Ltd
AU:S2R
|
$14.88 Million |
|
Baumer S.A
SA:BALM3
|
$14.88 Million |
|
Tayih Lun An Co Ltd
TWO:8107
|
$14.88 Million |
|
Telefield Inc
KQ:091440
|
$14.88 Million |
|
Kiriacoulis Mediterranean Cruises Shipping S.A.
AT:KYRI
|
$14.87 Million |
|
Aiji net
KQ:462980
|
$14.86 Million |
|
Lamor Corporation Oyj
HE:LAMOR
|
$14.86 Million |
|
Yonggu Group Inc
TW:5546
|
$14.85 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Friendly Hills Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 39,153,045 to 41,956,491, a change of 2,803,446 (7.2%).
- Net income of 2,011,288 contributed positively to equity growth.
- Other comprehensive income decreased equity by 577,491.
- Other factors increased equity by 1,369,649.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $2.01 Million | +4.79% |
| Other Comprehensive Income | $-577.49K | -1.38% |
| Other Changes | $1.37 Million | +3.26% |
| Total Change | $- | 7.16% |
Book Value vs Market Value Analysis
This analysis compares Friendly Hills Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.54x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.66x to 0.54x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $7.86 | $5.21 | x |
| 2016-12-31 | $8.18 | $5.21 | x |
| 2017-12-31 | $8.40 | $5.21 | x |
| 2018-12-31 | $8.58 | $5.21 | x |
| 2019-12-31 | $9.33 | $5.21 | x |
| 2020-12-31 | $10.11 | $5.21 | x |
| 2021-12-31 | $9.61 | $5.21 | x |
| 2022-12-31 | $13.54 | $5.21 | x |
| 2023-12-31 | $9.36 | $5.21 | x |
| 2024-12-31 | $9.12 | $5.21 | x |
| 2025-12-31 | $9.67 | $5.21 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Friendly Hills Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.79%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.16%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 11.67x
- Recent ROE (4.79%) is above the historical average (2.90%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 2.58% | 8.13% | 0.04x | 8.24x | $-1.13 Million |
| 2016 | 4.44% | 14.03% | 0.04x | 9.00x | $-881.60K |
| 2017 | 3.65% | 10.57% | 0.04x | 9.48x | $-1.03 Million |
| 2018 | 5.34% | 15.81% | 0.04x | 8.98x | $-792.67K |
| 2019 | 5.79% | 17.01% | 0.04x | 8.33x | $-801.37K |
| 2020 | 4.98% | 15.66% | 0.03x | 9.95x | $-1.03 Million |
| 2021 | 0.96% | 2.97% | 0.02x | 14.85x | $-1.78 Million |
| 2022 | -2.98% | -9.57% | 0.03x | 11.06x | $-4.30 Million |
| 2023 | -0.44% | -0.79% | 0.05x | 11.24x | $-3.90 Million |
| 2024 | 2.83% | 4.72% | 0.05x | 11.06x | $-2.81 Million |
| 2025 | 4.79% | 8.16% | 0.05x | 11.67x | $-2.18 Million |
Industry Comparison
This section compares Friendly Hills Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Friendly Hills Bancorp (FPBC) | $41.96 Million | 2.58% | 10.67x | $14.87 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |