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

94 Followers

FRBA Stock Chart & Stats

$17.02
-$0.05(-0.37%)
At close: 4:00 PM EST
$17.02
-$0.05(-0.37%)

Bulls Say, Bears Say

Bulls Say
Capital Strength & Buyback FlexibilityAmple regulatory capital and explicit buyback capacity provide a durable buffer against loan losses, support strategic capital returns without depleting reserves, and preserve funding/expansion optionality. This long-run flexibility helps sustain investor confidence and balance-sheet resilience.
Top-quartile Operating EfficiencySustained sub-60% efficiency signals structural cost discipline and scalable operations. Over months this lowers the revenue break-even, protects margins during pressure on NII, and allows reinvestment or pricing flexibility that supports competitive positioning in regional banking.
Loan Growth Momentum & Deep PipelineA growing, sizable pipeline and early-quarter net originations indicate sustainable organic revenue capacity. When funded, this pipeline should restore NII and diversify asset mix (66.5% C&I), supporting durable revenue expansion and longer-term interest income stability.
Bears Say
Elevated Credit Costs In Small Business BookConcentrated charge-offs and added specific reserves create persistent credit volatility and reduce near-term earnings power. Remediation may tighten underwriting and slow originations; until loss trends normalize, higher provisions will weigh on sustainable profitability and capital allocation.
NIM Pressure: Deposit Pricing & Lower AccretionDeclining purchase accretion and sustained deposit repricing are structural margin headwinds. With higher-for-longer rates, funding costs can stay elevated while accretion tailwinds fade, compressing long-term net interest margins unless loan yields or fee income materially improve.
Volatile Cash Flow And Only Moderate ROEWeaker and variable cash conversion reduces predictable internal funding for growth, dividends, or buybacks. Combined with mid-single-digit ROE, this limits sustainable shareholder returns and constrains the bank's ability to absorb shocks or rapidly scale lending without external capital.

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 $18.19 in the past 12 months.
    What is First Bank’s market cap?
    First Bank’s market cap is $432.56M.
      When is First Bank’s upcoming earnings report date?
      First Bank’s upcoming earnings report date is Jul 23, 2026 which is in 14 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. 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 1.41%. 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

                      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 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 summaries

                      FRBA Stock 12 Month Forecast

                      Average Price Target

                      $17.50
                      ▲(2.82% Upside)
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                      Ownership Overview

                      12.56%0.03%74.41%
                      Insiders
                      0.03% Other Institutional Investors
                      74.41% Public Companies and
                      Individual Investors

                      Options Prices

                      Currently, No data available
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