First Bank (FRBA)
NASDAQ:FRBA
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FRBA Stock Chart & Stats
$17.02
-$0.05(-0.37%)
At close: 4:00 PM EST
$17.02
-$0.05(-0.37%)
Day’s Range― - ―
52-Week Range$14.21 - $18.11
Previous CloseN/A
Volume2.87K
Average Volume (3M)62.62K
Market Cap
$389.33M
Enterprise Value$618.81M
Total Cash (Recent Filing)$38.78M
Total Debt (Recent Filing)$268.25M
Price to Earnings (P/E)13.1
Beta0.60
Next Earnings
Jul 28, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend Yield1.41%
Share Statistics
EPS (TTM)1.69
Shares Outstanding25,134,403
10 Day Avg. Volume92,400
30 Day Avg. Volume62,617
Financial Highlights & Ratios
PEG Ratio2.26
Price to Book (P/B)0.93
Price to Sales (P/S)1.66
P/FCF Ratio6.55
Enterprise Value/Market Cap1.59
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit4.56
Enterprise Value/Ebitda10.83
Forecast
1Y Price Target
$18.00Price Target Upside5.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.7
Revenue Forecast (FY)$150.48M
Bulls Say, Bears Say
Bulls Say
Top-line Revenue GrowthSustained revenue growth (TTM +19.3%) reflects durable commercial momentum and expanding customer activity, supporting scalable franchise economics. Over a 2–6 month horizon this underpins loan origination capacity and noninterest income diversification, helping stabilize earnings despite margin noise.
Capital Strength And Buyback FlexibilityRobust capital ratios and explicit buyback capacity provide durable financial flexibility: the bank can return capital while maintaining strong regulatory buffers. This supports long-term shareholder returns, preserves lending capacity through cycles, and signals conservative capital management.
Sustained Operating EfficiencyConsistently top‑quartile efficiency (27 consecutive quarters <60%) indicates structural cost control and a lean operating model. That persistent operating discipline supports margin resilience and cash generation across business cycles, making profitability less sensitive to short-term revenue swings.
Bears Say
Elevated Credit Costs And Concentrated Charge-offsA sharp rise in net charge-offs tied to a small business segment signals credit quality volatility and underwriting gaps. Even if remediated, concentrated losses increase loan loss provisioning and create ongoing monitoring needs, raising the structural risk profile for mid‑term earnings and capital allocation.
Persistent Margin Pressure RisksDeclining purchase accounting accretion and sustained deposit pricing competition create a structural headwind to net interest margin. With accretion set to decline further and funding costs under pressure, margin sustainability is challenged absent durable loan yield improvement or expense offsets.
Volatile Cash Generation And Falling FCFWhile FCF tracks earnings, the sharp TTM decline (-14.2%) and uneven operating cash flow reduce predictability of internal funding for loans, buybacks or dividends. Persistent cash volatility can constrain strategic investments and raises sensitivity to credit or margin shocks over several quarters.
First Bank News
FRBA FAQ
What was First Bank’s price range in the past 12 months?
First Bank lowest stock price was $14.21 and its highest was $18.11 in the past 12 months.
What is First Bank’s market cap?
First Bank’s market cap is $389.33M.
When is First Bank’s upcoming earnings report date?
First Bank’s upcoming earnings report date is Jul 28, 2026 which is in 62 days.
How were First Bank’s earnings last quarter?
First Bank released its earnings results on Apr 27, 2026. The company reported $0.3 earnings per share for the quarter, missing the consensus estimate of $0.463 by -$0.163.
Is First Bank overvalued?
According to Wall Street analysts First Bank’s price is currently Undervalued.
Does First Bank pay dividends?
First Bank pays a Quarterly dividend of $0.06 which represents an annual dividend yield of 1.41%. See more information on First Bank dividends here
What is First Bank’s EPS estimate?
First Bank’s EPS estimate is 0.4.
How many shares outstanding does First Bank have?
First Bank has 25,134,403 shares outstanding.
What happened to First Bank’s price movement after its last earnings report?
First Bank reported an EPS of $0.3 in its last earnings report, missing expectations of $0.463. Following the earnings report the stock price went down -7.944%.
Which hedge fund is a major shareholder of First Bank?
Currently, no hedge funds are holding shares in FRBA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Bank Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$18.00 (5.76% Upside)
$18.00 (5.76% Upside)
Blogger Sentiment
Bullish
FRBA Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 26.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
24.29%
12-Months-Change
Fundamentals
Return on Equity
9.60%
Trailing 12-Months
Asset Growth
2.32%
Trailing 12-Months
Company Description
First Bank
First Bank provides various banking products and services to individuals, businesses, and governmental entities. The company accepts various deposits, including non-interest bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking accounts. Its loan products include commercial and industrial loans; commercial real estate loans, such as owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans comprising residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans that include auto, personal, and traditional installment loans. The company also provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone, as well as ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services. As of December 31, 2021, it operated 18 full-service branches in Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown counties in New Jersey, as well as Doylestown, Trevose, Warminster, and West Chester counties in Pennsylvania. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.
FRBA Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mixed picture: material challenges from elevated charge-offs and loan payoffs drove a disappointing quarter, but management characterized the issues as largely isolated to a sub-$100 million credit-scored small business portfolio that has been remediated via charge-offs, tightened underwriting, and increased specific reserves. Offsetting the near-term headwinds were strong capital levels, a healthy NIM (3.69%), a growing loan pipeline (probable fundings +15%), preliminary April loan growth (~$50M), top-quartile efficiency (27 consecutive quarters <60%), and the flexibility to pursue buybacks. Management expressed cautious optimism that profitability and loan growth can recover as payoffs normalize, while acknowledging deposit pricing and declining purchase accretion as potential margin risks.View all FRBA earnings summariesFRBA Stock 12 Month Forecast
Average Price Target
$18.00
▲(5.76% Upside)
Technical Analysis
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Midland States Bancrop
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Orange County Bancorp
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Ownership Overview
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Insiders
12.41% Mutual Funds
17.72% Other Institutional Investors
57.90% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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