FCBP — Stock Film
STOCK FILMSCENE 1/10FCBP · $29.10
Stock Expert AI presents
FCBP
First Choice Bancorp
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
First Choice Bancorp. A quick introduction.

On the stock market since 2017, it operates in the world of money and finance. It has 186 employees. Now — the numbers.

on the stock market since 2017
186 employees
$3.5B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $31 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 31%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
62%Gain on Sale of Loans
Gain on Sale of Loans 62%Service Charges and Fees on Deposit Accounts 26%Net Servicing Fees 9%Other Noninterest Income 2%Change in Fair Value of Equity Securities 1%
62% of all revenue comes from a single line: Gain on Sale of Loans.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing, year after year.

Average growth of 27% a year over the last 4 years. Every year shown ended in profit.

$35.9M
2016
$39.2M
2017
$58.4M
2018
$84.2M
2019
$92.5M
2020
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
6 / 8
EXPECTATIONS MET OR BEATEN
6
Jul 2019
Oct 2019
Jan 2020
Apr 2020
Jul 2020
Oct 2020
Jan 2021
Apr 2021
6 TIMES IN THE LAST 8 QUARTERS
A mixed scorecard.
THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 12% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 31% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 3 years, sales grew about 33% a year on average.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $1.00 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
A rich price tag

The company’s market value is 121 times its annual profit. Even a small disappointment could hit the price hard.

2
THE RISKS · 2/2
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, FCBP sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: FCBP is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film