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First Bank (FRBA)
:FRBA
Earnings Data
Report Date
Jul 22, 2025After Close (Confirmed)
Period Ending
2025 (Q2)Consensus EPS Forecast
0.42Last Year’s EPS
0.44Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call reflects a mixed sentiment. While the bank demonstrated strong loan and deposit growth, improved net interest margin, and efficient cost management, challenges such as the OREO asset write-down and increased provisions for credit losses impacted profitability. However, the overall sentiment is slightly positive due to strong asset quality and shareholder value enhancement.Company Guidance -
Q2 2025
Strong Loan Growth
Loans grew by $92 million in the first quarter, with a 12% annualized growth rate, primarily driven by asset-based lending, private equity, and community bank C&I lending.
Improved Net Interest Margin
Net interest margin increased by 11 basis points to 3.65%, supported by a reduction in deposit costs and strategic loan growth.
Efficient Cost Management
The efficiency ratio remained below 60% for the 23rd consecutive quarter, indicating strong cost management.
Successful Deposit Growth
Deposits grew by $64 million or 8% annualized, with non-interest bearing customer deposits increasing by $16 million.
Strong Asset Quality
NPAs to total assets declined to 0.42%, and the allowance for credit losses to total loans increased slightly to 1.21%.
Shareholder Value Enhancement
Continued buyback program and stable cash dividend, contributing to an 8% annualized growth in tangible book value per share.
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 |
|---|---|---|---|
Apr 22, 2025 | $14.07 | $13.64 | -3.06% |
Jan 23, 2025 | $13.83 | $14.33 | +3.62% |
Oct 23, 2024 | $14.79 | $14.06 | -4.94% |
Jul 24, 2024 | $14.68 | $14.94 | +1.77% |
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 Jul 22, 2025, After Close (Confirmed).
What is First Bank (FRBA) earnings time?
First Bank (FRBA) earnings time is at Jul 22, 2025, 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 (Q2) is 0.42.