First Bank (FRBA)
NASDAQ:FRBA
Want to see FRBA full AI Analyst Report?
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$14.34 - $18.11
Previous CloseN/A
Volume2.87K
Average Volume (3M)62.62K
Market Cap
$410.95M
Enterprise Value$650.98M
Total Cash (Recent Filing)$38.78M
Total Debt (Recent Filing)$268.25M
Price to Earnings (P/E)10.0
Beta0.58
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 Cap1.58
Enterprise Value/Revenue2.62
Enterprise Value/Gross Profit4.80
Enterprise Value/Ebitda11.19
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
Revenue GrowthSustained TTM revenue growth of ~19% indicates durable business expansion and successful customer acquisition or product penetration. Over 2–6 months this supports higher loan/income capacity, underpins operating leverage, and provides a buffer while margins normalize.
Operational EfficiencyTop‑quartile efficiency maintained for 27 quarters signals strong cost control and scalable operations. Durable efficiency allows the bank to absorb margin pressure or credit costs longer than peers, preserving profitability and supporting capital retention over the medium term.
Capital Strength & Buyback FlexibilityAmple capital ratios combined with executed repurchases show disciplined capital management and flexibility. Maintaining ~12.5% risk‑based capital while pursuing buybacks supports shareholder returns without sacrificing regulatory cushion, durable for several quarters.
Bears Say
Elevated Credit CostsA sharp rise in net charge‑offs driven by a credit‑scored small business sleeve shows portfolio vulnerability. Even if remediated, elevated credit costs can persist in slow cycles, pressuring earnings, reducing capital build, and requiring higher provisions over multiple quarters.
Funding & Accretion PressureDeclining purchase accounting accretion plus renewed deposit pricing pressure are structural margin headwinds. Reduced accretion lowers NII permanently versus prior years, while higher long‑term funding costs compress net interest margin and earnings power.
Cash‑Flow & Return DurabilityFalling FCF and mid‑single ROE reflect less potent cash conversion and returns versus prior cycles. Over the medium term this constrains reinvestment, limits rapid capital build, and makes earnings more sensitive to credit or margin shocks versus higher‑return peers.
First Bank News
FRBA FAQ
What was First Bank’s price range in the past 12 months?
First Bank lowest stock price was $14.34 and its highest was $18.11 in the past 12 months.
What is First Bank’s market cap?
First Bank’s market cap is $410.95M.
When is First Bank’s upcoming earnings report date?
First Bank’s upcoming earnings report date is Jul 28, 2026 which is in 41 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 $0.09 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
1
2
3
4
5
6
7
8
9
10
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 offers a comprehensive array of financial products and services tailored for individuals, businesses, and governmental bodies. Its diverse deposit options encompass non-interest and interest-bearing demand accounts, money market and savings accounts, certificates of deposit, and specialized commercial checking solutions. For lending needs, the bank provides commercial and industrial financing; a wide variety of commercial real estate loans, including those for owner-occupied properties, investors, construction projects, and multi-family dwellings; residential real estate loans such as mortgages, first and second lien home equity loans, and revolving credit lines; and consumer loans for vehicles, personal use, and traditional installment plans. Beyond these core offerings, the institution supports modern digital banking through internet and mobile platforms, electronic bill payment, and banking by phone. Additional services include ATM and debit card provision, wire and ACH transfers, remote deposit capture, and robust cash management solutions. As of December 31, 2021, First Bank operated 18 full-service branches situated across various counties in New Jersey (Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown) and Pennsylvania (Doylestown, Trevose, Warminster, and West Chester). Founded in 2007, the company maintains its corporate headquarters 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
Bank Of Marin Bancorp
―
Community West Bancshares
―
Civista Bancshares
―
Midland States Bancrop
―
Orange County Bancorp
―
Ownership Overview
―
Insiders
12.51% Mutual Funds
17.72% Other Institutional Investors
57.43% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---