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First Bank (FRBA)
NASDAQ:FRBA
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First Bank (FRBA) Price & Analysis

94 Followers

FRBA Stock Chart & Stats

$17.98
$0.69(3.84%)
At close: 4:00 PM EDT
$17.98
$0.69(3.84%)

Bulls Say, Bears Say

Bulls Say
Loan & Deposit GrowthSustained origination momentum and concurrent deposit inflows indicate durable core franchise growth. A healthy pipeline and expanding commercial/owner-occupied lending support future net interest income and lessen reliance on volatile wholesale funding, underpinning 2–6 month revenue resilience.
Expense DisciplineConsistent sub-60% efficiency and active expense control create structural operating leverage. With margins under pressure, disciplined cost base preserves earnings capacity and ROA, enabling the bank to navigate modest NIM compression while funding targeted growth and shareholder returns over coming quarters.
Stable Capital & Balance SheetModerate leverage, improving equity and solid tangible capital provide a durable buffer against credit volatility. Ongoing buybacks and dividend policy signal management confidence and disciplined capital allocation, supporting shareholder returns while retaining capacity for loan growth and loss absorption.
Bears Say
Deposit Pricing PressureHigher pricing for new deposit dollars and declining acquisition-accounting accretion create persistent margin headwinds. Replacing runoff assets with higher-cost deposits or brokered funding will likely keep NIM flat-to-down in the near term, constraining durable net interest income growth.
Small-Business Credit WeaknessA concentrated uptick in charge-offs from the credit-scored small-business product signals structural asset-quality risk until remediation completes. Persistent weakness could force higher provisions, reducing earnings and capital generation over multiple quarters despite broader portfolio improvement.
Cash-Flow VariabilityMeaningful swings in operating and free cash flow reduce predictability of internal funding for buybacks, dividends, and loan growth. Volatility complicates capital planning and raises the risk that episodic weaker cash conversion could require tighter expense or capital actions over the next 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 $14.40 and its highest was $19.09 in the past 12 months.
    What is First Bank’s market cap?
    First Bank’s market cap is $462.98M.
      When is First Bank’s upcoming earnings report date?
      First Bank’s upcoming earnings report date is Oct 28, 2026 which is in 87 days.
        How were First Bank’s earnings last quarter?
        First Bank released its earnings results on Jul 23, 2026. The company reported $0.43 earnings per share for the quarter, beating the consensus estimate of $0.4 by $0.03.
          Is First Bank overvalued?
          According to Wall Street analysts First Bank’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does First Bank pay dividends?
            First Bank pays a Quarterly dividend of $0.09 which represents an annual dividend yield of 1.62%. See more information on First Bank dividends here
              What is First Bank’s EPS estimate?
              First Bank’s EPS estimate is 0.44.
                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 $0.43 in its last earnings report, beating expectations of $0.4. Following the earnings report the stock price went up 2.802%.
                    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

                      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.

                      First Bank (FRBA) Earnings & Revenues

                      FRBA Company Deck

                      FRBA Earnings Call

                      Q2 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call emphasized several positive trends: meaningful quarter-over-quarter loan and deposit growth, a strong origination pipeline, improved credit costs, stable-to-healthy net interest margin, declining noninterest expense, and strong capital/efficiency metrics. Offsetting items include localized asset-quality pressure in a small-business credit-score portfolio and one CRE nonaccrual, ongoing deposit pricing competition and higher-cost funding for some new dollars, elevated payoff activity that partially offsets originations, and a modest decline in noninterest income. Overall, the operational and financial momentum (loan/deposit growth, improved credit costs, efficiency) outweighs the contained headwinds.View all FRBA earnings summaries

                      FRBA Stock 12 Month Forecast

                      Average Price Target

                      $19.67
                      ▲(9.38% Upside)
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                      Ownership Overview

                      12.56%2.08%71.83%
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                      2.08% Other Institutional Investors
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