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First Bank FRBA R2K

Financial Services · Banks - Regional · United States
https://www.myfirstbank.com

First Bank provides various banking products and services to small and mid-sized businesses and individuals. It accepts various deposits, including non-interest- and interest-bearing demand deposits, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking and cash management accounts. The company also offers various loan products, such as commercial and industrial loans, which include line of credit, inventory, equipment, and short-term working capital financing; commercial real estate loans comprising owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans consisting of residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans, such as auto, personal, traditional installment, and other loans. In addition, it provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone; ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services, as well as engages in the capital markets activities. The company operates full-service branches in Cinnaminson, Delanco, Denville, Ewing, Fairfield, Flemington, Hamilton, Lawrence, Monroe, Morristown, Pennington, Randolph, Somerset, Trenton, Williamstown, New Jersey; Coventry, Devon, Doylestown, Glen Mills, Lionville, Malvern, Paoli, Trevose, Warminster, and West Chester, Pennsylvania; and Palm Beach, Florida. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.

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$15.64
+9.70% 1Y

Market & Price

Market Cap
$392.01M
Current Price
$15.64
High / Low (52W)
$17.86 / $14.08
Beta
0.53

Valuation

Stock P/E
9.37
Industry PE
12.01
Forward P/E
8.67
PEG Ratio
-
Book Value
$17.93
Price to Book
0.87
P/S
2.93
EV/EBITDA
-
Dividend Yield
1.92%

Profitability & Returns

ROCE
-
ROE
9.70%
ROA
1.07%
Profit Margin
31.37%
Op Margin
34.11%
EPS (Latest Qtr)
$0.30
EPS (TTM)
$1.67

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$256.02M
Total Assets
$3.96B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.42%
Chg in Prom Hold
0.00%
FII / Inst Holding
58.93%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$338.34M
Total Revenue (TTM)
$133.63M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
-
Shares Outstanding
25.06M
Gross Margin
0.00%
Payout Ratio
16.17%

Growth (CAGR)

Revenue 5Y
14.72%
Profit 5Y
6.36%
Revenue (YoY)
-5.20%
Earnings (YoY)
-18.90%

PROS

  • Excellent profit margin of 31.4%.
  • Compounding revenue at 14.7% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FRBA First Bank R2K 15.64 9.37 $392.01M 1.92% - 9.70% 14.72% 6.36%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --34.06M36.71M37.97M38.46M36.39M
Cost of Revenue -------
Gross Profit -------
Operating Expenses -------
Operating Income -------
EBITDA -------
Interest Expense --23.70M25.16M25.63M24.14M21.84M
Pretax Income --12.13M13.29M15.30M16.59M9.90M
Tax Provision --2.75M3.05M3.58M4.26M2.25M
Net Income --9.38M10.24M11.71M12.32M7.65M
Diluted EPS 0.32-0.370.410.47-0.30

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -97.49M103.80M129.85M147.20M
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -----
EBITDA -----
Interest Expense -14.89M69.50M99.58M98.63M
Pretax Income -47.89M27.16M55.15M57.30M
Tax Provision -11.60M6.26M12.90M13.64M
Net Income -36.29M20.90M42.24M43.66M
Diluted EPS -1.840.951.671.74

Compounded Sales Growth

5 Years:14.72%
1 Year:-5.20%

Compounded Profit Growth

5 Years:6.36%
1 Year:-18.90%

Stock Price Performance

1 Year:+9.70%
6 Months:-1.34%
3 Months:-1.18%
1 Month:+4.74%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets 2.73B3.61B3.78B3.96B
Current Assets ----
Cash & Equivalents 113.63M215.18M258.39M302.19M
Inventory ----
Receivables 8.16M14.76M14.27M14.38M
Total Liabilities 2.44B3.24B3.37B3.51B
Current Liabilities ----
Long Term Debt 120.66M234.40M276.89M271.06M
Total Debt 120.66M234.40M276.89M271.06M
Total Equity 289.56M370.90M409.16M443.50M
Shares Outstanding 21.08M27.15M27.38M27.64M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -36.88M143.84M27.63M65.56M
Investing Cash Flow --233.07M20.33M-107.20M-155.11M
Financing Cash Flow -167.60M-62.13M123.53M126.85M
Capital Expenditure --1.91M-3.12M-2.91M-2.90M
Free Cash Flow -34.97M140.72M24.72M62.66M
Net Change in Cash --28.59M102.03M43.96M37.31M

Ratios (Annual)

Figures in %.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----
Operating Margin % -----
Net Margin % -37.2%20.1%32.5%29.7%
ROE % -12.5%5.6%10.3%9.8%
ROCE % -----

Shareholding Pattern

Insiders
6.42%
Institutions
58.93%
Public Float
62.97%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.56% 1.90M $29.66M
2 Patriot Financial Partners Gp II, L.P. 6.50% 1.63M $25.52M
3 Dimensional Fund Advisors LP 4.11% 1.03M $16.14M
4 Vanguard Capital Management LLC 3.85% 965.27K $15.10M
5 BANC FUNDS CO LLC 3.44% 864.21K $13.52M
6 Alliancebernstein L.P. 3.42% 859.48K $13.44M
7 Royce & Associates LP 2.22% 555.88K $8.69M
8 Geode Capital Management, LLC 1.96% 492.97K $7.71M
9 American Century Companies Inc 1.94% 486.44K $7.61M
10 PL Capital Advisors, LLC 1.91% 478.89K $7.49M

Analyst View

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