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First Bank (FRBA)
NASDAQ:FRBA
Earnings Data
Report Date
Jan 28, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.46Last Year’s EPS
0.41Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted significant growth in net interest income, profitability, and loan and deposit growth, alongside effective expense management. However, challenges were noted in the small business segment, increased charge-offs, and higher subordinated debt expenses. Despite these challenges, the overall financial performance indicates solid strategic execution.Company Guidance
Net Interest Income Growth
Net interest income increased by $1.5 million compared to the second quarter and $5 million compared to a year ago. Net interest margin expanded by 6 basis points from the previous quarter and 23 basis points from the previous year.
Profitability Metrics Improvement
Net income increased by $3.5 million or 43% compared to Q3 2024. Return on average assets improved by 28 basis points to 1.16%, and earnings per share increased by 46% to $0.47 compared to Q3 a year ago.
Loan and Deposit Growth
Loans grew by $286 million or over 9% in the past 12 months. Deposits increased by $55 million or 7% annualized. Average noninterest-bearing deposits grew by $21 million during the quarter.
Credit Quality and Capital Management
Non-performing assets to total assets decreased to 36 basis points. The allowance coverage ratio to nonperformers increased to 2.93%. The bank bought back almost 120,000 shares at an average price of $14.91.
Expense Management
Noninterest expenses decreased to $19.7 million from $20.9 million in Q2. The efficiency ratio improved to 52% and remained below 60% for the 25th consecutive quarter.
FRBA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FRBA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 22, 2025 | $15.63 | $15.66 | +0.19% |
Jul 22, 2025 | $15.52 | $15.39 | -0.84% |
Apr 22, 2025 | $14.02 | $13.59 | -3.07% |
Jan 23, 2025 | $13.78 | $14.27 | +3.56% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does First Bank (FRBA) report earnings?
First Bank (FRBA) is schdueled to report earning on Jan 28, 2026, After Close (Confirmed).
What is First Bank (FRBA) earnings time?
First Bank (FRBA) earnings time is at Jan 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FRBA EPS forecast?
FRBA EPS forecast for the fiscal quarter 2025 (Q4) is 0.46.