First Bank FRBA R2KR3KFINANCIAL
Company Overview
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 mortgages loans, 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 digital banking services, including online, mobile, telephone banking; 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, Lawrenceville, Monroe, Morristown, Oceanport, Pennington, Randolph, Somerset, Trenton, Williamstown, New Jersey; Devon, Doylestown, Lionville, Malvern, Media, Paoli, Trevose, Warminster, and West Chester, Pennsylvania; and Wellington, Florida. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.
Why Investors Should Care
Revenue has grown at a 14.7% CAGR over the past five years.
Trades at a P/E of 11.3, below the sector median of 13.6.
Maintains a net profit margin of 31.7%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $147.20M (+13.4% YoY); net profit $43.66M.
- Trailing 12 Months Year-on-year growth — revenue +1.7%, earnings +5.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 14.7%, profit CAGR 6.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 14.72% |
| 1 Year: | 1.70% |
Compounded Profit Growth
| 5 Years: | 6.36% |
| 1 Year: | 5.10% |
Stock Price Performance
| 1 Year: | +22.99% |
| 6 Months: | +18.56% |
| 3 Months: | +4.58% |
| 1 Month: | +10.23% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)75.05 · Overbought
P/E of 11.34 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 31.7%.
- Compounding revenue at 14.7% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- RSI at 75 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 R2KR3KFINANCIAL | 19.39 | 11.34 | $479.98M | 1.87% | - | 9.72% | 14.72% | 6.36% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 |
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. | 7.93% | 1.99M | $34.78M |
| 2 | Patriot Financial Partners Gp II, L.P. | 6.50% | 1.63M | $28.52M |
| 3 | Dimensional Fund Advisors LP | 4.35% | 1.09M | $19.07M |
| 4 | Vanguard Capital Management LLC | 4.06% | 1.02M | $17.81M |
| 5 | BANC FUNDS CO LLC | 3.44% | 864.21K | $15.11M |
| 6 | Alliancebernstein L.P. | 3.09% | 775.44K | $13.55M |
| 7 | American Century Companies Inc | 2.49% | 625.89K | $10.94M |
| 8 | Geode Capital Management, LLC | 2.15% | 539.84K | $9.44M |
| 9 | Royce & Associates LP | 2.13% | 534.42K | $9.34M |
| 10 | PL Capital Advisors, LLC | 1.91% | 478.89K | $8.37M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FRBA
What First Bank (FRBA) Said on Its Q3 Earnings Call - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMikgFBVV95cUxQVVgwZDdvcDEtSG5VSzFmNE45QjVaM2NXem5jWEJ5TDN1MG9CN3gtRkxkWFliSHRVRm0ybW9tdTBBSFpXZE9tdWsteEtoYWJYbUtHb1pVc2xydkgxS2x5ajFEdjhHMkU0MzAwc3RjVkc1QjZMX2kwYlUyaFZETzBjdHg4MWhRR01YSDI0NF…
First Bank Beats On Margin And Efficiency Gains, Lifts Dividend 33%, But Credit And Deposit Costs Leave Investors Wary - Finviz
<a href="https://news.google.com/rss/articles/CBMi3wFBVV95cUxNd1h3OE1jQlB2VjhVemV5Ym1YaGJoWnRjRWI2QnRKLUp3b2xlS0Y5Wmd3enRkaWRWalRnc1RKdUo1cFZ0V2d2QWg3N3k5dzZ0VnVfbUZYMGw5TFBRWmdQX2FneWxBaVY1ZUpDU0J0WlZMbmtzODNzWjExZVFnZGJpNkpJUVo3c095NFFpQ1…
First Bank (FRBA) Q3 2026 Earnings Call Highlights: Margin Expansion and Loan Growth Drive ... - Yahoo Finance
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First Bank raises its quarterly dividend 33% to 12 cents a share - Stock Titan
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First Bank Q3 2026 Earnings Call Transcript - Benzinga
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FIRST BANK ($FRBA) Releases Q3 2026 Earnings - Quiver Quantitative
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FRBA — Frequently Asked Questions
What is the current share price of First Bank (FRBA)?
As of 2026-10-23 16:27 PDT, First Bank (FRBA) trades at $19.39 on NasdaqGM. Its 52-week range is $14.43 to $19.39.
What is the market capitalisation of FRBA?
First Bank (FRBA) has a market capitalisation of $479.98M on NasdaqGM.
What is the P/E ratio of FRBA?
FRBA trades at a trailing price-to-earnings (P/E) ratio of 11.34. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.95.
Does FRBA pay a dividend?
First Bank (FRBA) currently offers a dividend yield of 1.87%.
What is the return on equity (ROE) of FRBA?
FRBA has a return on equity (ROE) of 9.72%.
Is FRBA a good stock to buy?
This page provides a data-driven analysis of First Bank (FRBA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.