Mountain Pacific Bancorp, Inc. (MPCB) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Mountain Pacific Bancorp, Inc. (MPCB) trades at $18.00 with AI Score 54/100 (Grade B). Mountain Pacific Bancorp, Inc. Market cap: $126M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for MPCB: MPCB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MPCB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
MPCB: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Mountain Pacific Bancorp, Inc. (MPCB) Financial Services Profile
Mountain Pacific Bancorp, Inc. is a regional bank holding company based in Everett, Washington, offering a comprehensive suite of financial products including diverse deposit accounts and various loan types. Serving businesses, professionals, and individuals, it leverages a community-focused model with digital services across its four branches, operating within the competitive regional banking sector.
What Is the Investment Thesis for MPCB?
Mountain Pacific Bancorp, Inc. (MPCB) presents a profile rooted in regional banking, characterized by a diversified loan portfolio and a community-centric service model. With a market capitalization of $126M and a P/E ratio of 9.0, the company operates with a notable profit margin of 22.5% and a gross margin of 71.0%, indicating efficient operations within its niche. The investment thesis centers on MPCB's ability to capitalize on local economic growth in its Washington service areas through its comprehensive offering of owner-occupied real estate, investment real estate, construction, business, and specialized maritime and SBA loans. The company's low beta of 0.26 suggests relative stability compared to the broader market, which may appeal to investors seeking less volatile financial exposure. Continued expansion of its digital banking services and strategic branch presence in Everett, Lynnwood, Ballard, and Burlington are key catalysts for deposit growth and enhanced customer engagement. While MPCB does not currently pay a dividend, its focus on organic growth and prudent lending practices in its regional market could drive long-term value appreciation, contingent on sustained regional economic health and effective interest rate management.
Based on FMP financials and quantitative analysis
MPCB Key Highlights
Market capitalization stands at $0.11 billion, reflecting its position as a regional financial institution.
- The company maintains a P/E ratio of 9.0, indicating its earnings valuation relative to its share price.
- A strong profit margin of 22.5% demonstrates efficient management of revenues and expenses.
- Gross margin of 71.0% highlights the profitability of its core banking services before operating expenses.
- With a Beta of 0.26, MPCB exhibits lower volatility compared to the overall market, suggesting relative stability.
Who Are MPCB's Competitors?
MPCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MPCB's Key Strengths?
Strong profit margin of 22.5% and gross margin of 71.0% indicate efficient operations.
- Diversified loan portfolio including owner-occupied real estate, business, SBA, and maritime loans.
- Established physical presence with four branches in key Washington communities.
- Comprehensive suite of digital banking services enhances customer convenience and reach.
- Low Beta of 0.26 suggests relative stability compared to the broader market.
What Are MPCB's Weaknesses?
Relatively small market capitalization of $126M compared to larger regional or national banks.
- Operating on the OTC market may limit liquidity and investor visibility.
- Reliance on the economic health of specific Washington regions for loan demand and deposit growth.
- No dividend yield may deter income-focused investors.
- Disclosure status on OTC is 'Unknown', potentially impacting investor confidence.
What Could Drive MPCB Stock Higher?
MPCB catalyst: **Upcoming: Regional Economic Growth:** Sustained economic expansion in Washington, particularly in the Puget Sound area, could drive increased demand for MPCB's business and real estate loans, boosting interest income and overall profitability.
- **Ongoing: Digital Service Enhancements:** Continuous improvements and expansion of online and mobile banking features could attract new customers, enhance customer retention, and improve operational efficiency, leading to deposit growth and service fee income.
- **Upcoming: Strategic Branch or Lending Office Expansion:** Opening new branches or specialized lending offices in high-growth areas within Washington could increase market penetration and diversify the bank's customer and loan base.
- **Ongoing: Favorable Interest Rate Environment:** A stable or rising interest rate environment could positively impact MPCB's net interest margin, assuming effective asset-liability management, thereby increasing profitability.
- **Upcoming: Increased Loan Origination:** Successful initiatives to increase loan originations, particularly in higher-yielding segments like specialized business or maritime loans, could significantly boost the bank's interest income.
What Are the Key Risks for MPCB?
Financial-distress signal — its Altman Z-Score of 0.32 sits in the distress zone (elevated bankruptcy risk).
- **Potential: Interest Rate Fluctuations:** Adverse movements in interest rates, particularly a prolonged low-rate environment or rapid increases, could compress net interest margins and impact profitability.
- **Ongoing: Regional Economic Downturn:** A significant economic slowdown or recession in MPCB's primary operating regions could lead to increased loan defaults, reduced loan demand, and decreased deposit growth.
- **Potential: Intense Competition:** The banking sector is highly competitive, with larger national banks and other regional players vying for market share, potentially pressuring MPCB's margins and growth.
- **Ongoing: Regulatory Compliance Burden:** Regional banks face ongoing and evolving regulatory requirements, which can increase operational costs and limit flexibility in product offerings.
- **Potential: Credit Risk Exposure:** A substantial portion of MPCB's assets are loans, exposing the company to credit risk. A deterioration in the credit quality of its loan portfolio could lead to increased provisions for loan losses.
What Are the Growth Opportunities for MPCB?
- **Expansion of Digital Banking Services:** The increasing demand for convenient, accessible banking solutions presents a significant growth opportunity. Mountain Pacific Bancorp, Inc. can further invest in and enhance its online and mobile banking platforms, remote deposit capture, and online cash management tools. By expanding features like digital loan applications, advanced budgeting tools, and secure messaging, MPCB can attract a younger demographic and improve retention among existing clients. This strategy allows the bank to reach customers beyond its physical branch footprint, potentially increasing its deposit base and loan origination volumes without the overhead of new brick-and-mortar locations. The digital banking market continues to grow, offering substantial long-term potential for efficiency and customer reach.
- **Targeted Geographic Expansion within Washington:** While already present in four key locations, there remain underserved or rapidly growing communities within Washington state that could benefit from a community-focused bank. Strategic analysis of demographic shifts, business formation rates, and competitive saturation could identify optimal locations for new branch openings or loan production offices. This localized expansion would allow MPCB to replicate its successful community-centric model, fostering new relationships with local businesses and individuals. Such expansion, potentially over a 3-5 year timeline, would contribute to increased market share, diversified loan portfolios, and a larger, more stable deposit base, strengthening its regional presence.
- **Specialized Lending Portfolio Growth:** Mountain Pacific Bancorp, Inc. already offers specialized maritime and Small Business Administration (SBA) loans. There is an opportunity to deepen expertise and market penetration in these niche segments or identify other specialized lending areas relevant to the Washington economy, such as technology, agriculture, or healthcare. By developing tailored financial products and services for these specific industries, MPCB can become a preferred lender, commanding higher margins and building stronger, more resilient client relationships. This strategy leverages the bank's local knowledge and relationship-based approach, providing a competitive edge in specialized markets where larger banks may be less agile. Growth in these areas could be realized over the next 2-4 years.
- **Enhancing Commercial and Business Banking Services:** Focusing on expanding its suite of services for small to medium-sized businesses (SMBs) and professionals represents a core growth avenue. This could include offering more sophisticated treasury management solutions, payroll services, or business advisory services. By becoming a more comprehensive financial partner for local businesses, MPCB can increase its share of wallet from existing clients and attract new commercial accounts. Strong business relationships often lead to larger deposit balances, higher-yielding loans, and cross-selling opportunities for personal banking services to business owners and their employees. This sustained focus on the business segment offers continuous growth potential.
- **Strategic Deposit Growth Initiatives:** A strong and diversified deposit base is fundamental for a bank's stability and lending capacity. MPCB can implement targeted campaigns to attract specific types of deposits, such as non-interest-bearing demand deposits from businesses, or high-yield savings products for individuals, to optimize its cost of funds. Initiatives could include community outreach programs, partnerships with local organizations, or innovative product offerings that appeal to different customer segments. A robust and stable deposit base provides the necessary liquidity for loan growth and reduces reliance on more volatile funding sources, directly impacting the bank's net interest margin and overall profitability over the long term.
What Threats Does MPCB Face?
- Intense competition from larger national banks, other regional banks, and emerging fintech companies.
- Adverse changes in interest rates impacting net interest margin and profitability.
- Economic downturns in its primary service areas leading to increased loan defaults and reduced demand.
- Increased regulatory burden and compliance costs specific to the banking sector.
- Cybersecurity threats and data breaches impacting customer trust and operational integrity.
What Are MPCB's Competitive Advantages?
- **Local Market Expertise:** Deep understanding of the specific economic conditions, business needs, and community dynamics in Everett, Lynnwood, Ballard, and Burlington.
- **Relationship Banking:** Focus on personalized service and strong client relationships, which can be difficult for larger, more impersonal institutions to replicate.
- **Diversified Loan Portfolio:** Offers a broad range of loan products, including specialized maritime and SBA loans, catering to diverse local demands and potentially mitigating risk.
- **Established Branch Network:** Physical presence in key Washington communities provides visibility, trust, and accessibility for local customers.
- **Agility as a Regional Bank:** Ability to make localized decisions and adapt to regional market changes more quickly than larger national banks.
What Does MPCB Do?
Mountain Pacific Bancorp, Inc. functions as the holding company for Mountain Pacific Bank, a community-focused financial institution established in 2006 and headquartered in Everett, Washington. The bank was founded with the mission to serve the specific banking needs of businesses, professionals, and individuals within its local communities. Over its operational history, Mountain Pacific Bank has evolved to offer a broad spectrum of banking products and services, expanding its physical presence to include branches in Lynnwood, Ballard, and Burlington, alongside its Everett base. The company's core offerings encompass a variety of deposit solutions, including checking, savings, and individual retirement accounts, as well as certificates of deposit, catering to both personal and business clients seeking secure and accessible financial instruments. Beyond deposits, Mountain Pacific Bank is a significant provider of diverse loan products, which represent a primary revenue driver. Its lending portfolio includes owner-occupied real estate loans, investment real estate loans, construction loans, and general business loans, supporting local economic development. The bank also specializes in Small Business Administration (SBA) loans, maritime loans, and offers credit cards and home loans, addressing a wide array of client financing requirements. Complementing its traditional banking services, Mountain Pacific Bancorp, Inc. has invested in modern financial technologies to enhance customer convenience and operational efficiency. These digital offerings include merchant services, remote deposit capture, wire transfers, e-statements, online cash management, and robust online and mobile banking platforms, ensuring clients can manage their finances securely and efficiently from various locations. This blend of personalized community banking with contemporary digital solutions positions Mountain Pacific Bancorp, Inc. as a comprehensive financial partner for its target demographic in the Puget Sound region.
What Products and Services Does MPCB Offer?
- Operates as a bank holding company for Mountain Pacific Bank.
- Provides a range of deposit products including checking, savings, IRAs, and CDs.
- Offers various loan types such as owner-occupied real estate, investment real estate, and construction loans.
- Extends business loans, Small Business Administration (SBA) loans, and specialized maritime loans.
- Provides consumer credit products including credit cards and home loans.
- Delivers digital banking services like online and mobile banking, e-statements, and remote deposit capture.
- Offers merchant services, wire transfers, and online cash management for businesses.
- Maintains four physical branch locations in Everett, Lynnwood, Ballard, and Burlington, Washington.
How Does MPCB Make Money?
- Generates interest income primarily from its diverse loan portfolio, including real estate, business, and specialized loans.
- Earns non-interest income from services such as merchant services, wire transfers, and account fees.
- Attracts and manages a variety of deposit accounts (checking, savings, CDs, IRAs) to fund its lending activities.
- Leverages a community banking model with physical branches and digital platforms to serve local businesses and individuals.
- Manages interest rate risk by balancing interest-earning assets with interest-bearing liabilities.
What Industry Does MPCB Operate In?
Mountain Pacific Bancorp, Inc. operates within the highly regulated and competitive Banks - Regional industry, a segment of the broader Financial Services sector. Regional banks like MPCB typically focus on serving local communities and small to medium-sized businesses, differentiating themselves through personalized service and deep understanding of local market dynamics. The industry is currently experiencing trends such as increasing adoption of digital banking solutions, evolving regulatory landscapes, and fluctuating interest rate environments that impact net interest margins. MPCB, with its branches in Everett, Lynnwood, Ballard, and Burlington, is positioned to compete by leveraging its established local presence and comprehensive product suite against larger national banks and smaller community banks. The competitive landscape is characterized by both traditional brick-and-mortar institutions and emerging fintech players, necessitating continuous innovation in service delivery and customer engagement to maintain and grow market share. Sustained economic growth in its Washington service areas is crucial for loan demand and deposit accumulation.
Who Are MPCB's Key Customers?
- Small to medium-sized businesses seeking commercial loans, cash management, and merchant services.
- Professionals requiring specialized financial services and business banking solutions.
- Individuals seeking checking, savings, individual retirement accounts, and home loans.
- Real estate developers and investors requiring construction and investment real estate loans.
- Maritime industry businesses needing specialized financing solutions.
Company Profile
Mountain Pacific Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Everett, US. The company is led by CEO Mark Duffy. MPCB has traded publicly since 2020.
Key Financial Metrics
Return on equity for Mountain Pacific Bancorp, Inc. stands at 14.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. MPCB trades at a trailing price-to-earnings ratio of 9.01, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.2%, the inverse of the P/E and a quick read on earnings relative to price.
MPCB Valuation & Market Position
With a $126M market cap, Mountain Pacific Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, MPCB's quantitative score of 54/100 is below the peer average of 92/100.
Quarterly Financial Performance: Mountain Pacific Bancorp, Inc.
Revenue for Mountain Pacific Bancorp, Inc. came in at $16.2M during Q2 2026, a 8.4% improvement versus the preceding quarter. The company recorded net income of $3.2M, with diluted EPS of $0.45. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, MPCB averaged $0.46 in diluted EPS.
Financial Health
Mountain Pacific Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.32 places it in the distress zone, a signal of elevated financial risk.
MPCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profit margin of 22.5% and gross margin of 71.0% indicate efficient operations.
- Diversified loan portfolio including owner-occupied real estate, business, SBA, and maritime loans.
- Established physical presence with four branches in key Washington communities.
- Comprehensive suite of digital banking services enhances customer convenience and reach.
Bear Case
- Relatively small market capitalization of $126M compared to larger regional or national banks.
- Operating on the OTC market may limit liquidity and investor visibility.
- Reliance on the economic health of specific Washington regions for loan demand and deposit growth.
- No dividend yield may deter income-focused investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $16M | $3M | $0.45 |
| Q1 2026 | $15M | $3M | $0.43 |
| Q4 2025 | $16M | $3M | $0.46 |
| Q3 2025 | $10M | $4M | $0.51 |
Based on FMP financials and quantitative analysis
MPCB Latest News
No recent news available for MPCB.
MPCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MPCB.
Price Targets
Wall Street price target analysis for MPCB.
MPCB MoonshotScore
What does this score mean?
The MoonshotScore rates MPCB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Mark A. Duffy
CEO
Mark A. Duffy serves as the Chief Executive Officer of Mountain Pacific Bancorp, Inc., overseeing the strategic direction and operational management of the bank holding company and its subsidiary, Mountain Pacific Bank. With a career dedicated to the financial services industry, Mr. Duffy brings extensive experience in banking operations, lending, and strategic growth initiatives. His leadership is instrumental in guiding the company's efforts to provide comprehensive banking solutions to businesses, professionals, and individuals across its Washington service areas. His background likely encompasses various executive and management roles within the banking sector, equipping him with a deep understanding of regional market dynamics and regulatory compliance.
Track Record: Under Mark A. Duffy's leadership, Mountain Pacific Bancorp, Inc. has continued to operate as a community-focused institution, managing 96 employees to deliver a broad range of banking products and services. His tenure has seen the bank maintain its presence in key Washington markets, emphasizing relationship-based banking and the integration of digital services. Mr. Duffy's strategic decisions have contributed to the bank's operational efficiency, as evidenced by its strong profit and gross margins, while navigating the complexities of the regional banking landscape.
MPCB OTC Market Information
Mountain Pacific Bancorp, Inc. trades on the 'OTC Other' tier of the OTC market. This tier is typically for companies that do not meet the listing requirements for OTCQX or OTCQB, or choose not to provide the financial disclosure required by those tiers. Unlike exchanges such as the NYSE or NASDAQ, which have stringent listing standards regarding financial health, market capitalization, and corporate governance, the OTC market has varying disclosure levels. 'OTC Other' generally implies fewer public disclosure requirements compared to the higher OTC tiers or major exchanges, which can lead to less readily available information for investors.
- OTC Tier: OTC Other
- **Limited Transparency:** The 'Unknown' disclosure status means less public financial information may be available, making comprehensive analysis difficult.
- **Lower Liquidity:** OTC trading often involves lower volumes and wider bid-ask spreads, potentially leading to difficulty in executing trades and price volatility.
- **Lack of Analyst Coverage:** OTC stocks, especially those in lower tiers, typically receive minimal to no coverage from institutional analysts, limiting external validation and insights.
- **Price Volatility:** Due to lower trading volumes and less information, OTC stocks can be more susceptible to significant price swings.
- **Regulatory Scrutiny:** While less stringent, the OTC market still carries regulatory risks, and changes in rules could impact trading or disclosure requirements.
- Verify the company's latest available financial statements and annual reports directly from official sources, if any.
- Research any news or press releases issued by the company to understand recent developments and strategic initiatives.
- Examine the company's management team and corporate governance structure for stability and experience.
- Assess the competitive landscape and MPCB's market position within its specific regional banking niche.
- Understand the regulatory environment for regional banks in Washington and any potential impacts.
- Evaluate the company's loan portfolio quality and potential exposure to economic downturns in its operating regions.
- Consider the long-term growth prospects of the regional economy where MPCB operates.
- Operates as a bank holding company for Mountain Pacific Bank, a regulated financial institution.
- Established in 2006, indicating over a decade of operational history.
- Maintains multiple physical branch locations in Everett, Lynnwood, Ballard, and Burlington, suggesting tangible operations.
- Provides a comprehensive suite of traditional and digital banking products and services.
- Led by a known CEO, Mark A. Duffy, providing identifiable leadership.
MPCB Financial Services Stock FAQ
What does the AI Score mean for MPCB?
MPCB holds an AI Score of 54/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Mountain Pacific Bancorp, Inc. operates as the bank holding company for Mountain Pacific Bank, providing a comprehensive suite of banking products and services to businesses, professionals, …
How does Mountain Pacific Bancorp, Inc. generate revenue in financial services?
Mountain Pacific Bancorp, Inc. primarily generates revenue through its subsidiary, Mountain Pacific Bank, by earning interest income from its diverse loan portfolio. This portfolio includes owner-occupied real estate loans, investment real estate loans, construction loans, business loans, Small Business Administration (SBA) loans, maritime loans, and home loans.
What is MPCB's approach to managing interest rate risk?
Mountain Pacific Bancorp, Inc., like other regional banks, faces inherent interest rate risk, which is the potential impact of interest rate changes on its net interest income and the value of its assets and liabilities. While specific details on MPCB's asset-liability management strategies are not provided, regional banks typically manage this risk by carefully structuring their loan and deposit portfolios.
What are the key competitive advantages for Mountain Pacific Bancorp, Inc. in its regional market?
Mountain Pacific Bancorp, Inc. leverages several competitive advantages within its regional market in Washington. Firstly, its community-focused banking model fosters strong, personalized relationships with local businesses and individuals, often leading to higher customer loyalty compared to larger, more impersonal national banks.
What are the key factors to evaluate for MPCB?
Mountain Pacific Bancorp, Inc. (MPCB) holds an AI score of 54/100 (moderate). P/E: 9.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does MPCB data refresh on this page?
MPCB's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven MPCB's recent stock price performance?
Mountain Pacific Bancorp, Inc. (MPCB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margin of 22.5% and gross margin of 71.0% indicate efficient operations. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MPCB overvalued or undervalued right now?
Mountain Pacific Bancorp, Inc. (MPCB) trades at 9.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research MPCB before investing?
Before investing in Mountain Pacific Bancorp, Inc. (MPCB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based solely on the provided source data, which did not include FMP PEER TICKERS for competitors or specific details on CEO tenure years.
- The 'Unknown' disclosure status for OTC trading limits the depth of analysis regarding publicly available financial reports.
- No analyst ratings or consensus data were provided, so the relevant FAQ was omitted.