First Bank FRBA R2K
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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
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).
| # | Name | CMP $ | P/E | Mkt Cap | Div 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% |
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 34.06M | 36.71M | 37.97M | 38.46M | 36.39M |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | 23.70M | 25.16M | 25.63M | 24.14M | 21.84M |
| Pretax Income | - | - | 12.13M | 13.29M | 15.30M | 16.59M | 9.90M |
| Tax Provision | - | - | 2.75M | 3.05M | 3.58M | 4.26M | 2.25M |
| Net Income | - | - | 9.38M | 10.24M | 11.71M | 12.32M | 7.65M |
| Diluted EPS | 0.32 | - | 0.37 | 0.41 | 0.47 | - | 0.30 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 97.49M | 103.80M | 129.85M | 147.20M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 14.89M | 69.50M | 99.58M | 98.63M |
| Pretax Income | - | 47.89M | 27.16M | 55.15M | 57.30M |
| Tax Provision | - | 11.60M | 6.26M | 12.90M | 13.64M |
| Net Income | - | 36.29M | 20.90M | 42.24M | 43.66M |
| Diluted EPS | - | 1.84 | 0.95 | 1.67 | 1.74 |
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 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 2.73B | 3.61B | 3.78B | 3.96B |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 113.63M | 215.18M | 258.39M | 302.19M |
| Inventory | - | - | - | - |
| Receivables | 8.16M | 14.76M | 14.27M | 14.38M |
| Total Liabilities | 2.44B | 3.24B | 3.37B | 3.51B |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 120.66M | 234.40M | 276.89M | 271.06M |
| Total Debt | 120.66M | 234.40M | 276.89M | 271.06M |
| Total Equity | 289.56M | 370.90M | 409.16M | 443.50M |
| Shares Outstanding | 21.08M | 27.15M | 27.38M | 27.64M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 36.88M | 143.84M | 27.63M | 65.56M |
| Investing Cash Flow | - | -233.07M | 20.33M | -107.20M | -155.11M |
| Financing Cash Flow | - | 167.60M | -62.13M | 123.53M | 126.85M |
| Capital Expenditure | - | -1.91M | -3.12M | -2.91M | -2.90M |
| Free Cash Flow | - | 34.97M | 140.72M | 24.72M | 62.66M |
| Net Change in Cash | - | -28.59M | 102.03M | 43.96M | 37.31M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 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
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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