Revenue GrowthSustained ~17% revenue growth indicates durable demand for FRSB's lending and fee products. Over a 2-6 month horizon this supports expanding net interest income, improves scale economics, and gives management flexibility to reinvest in customer services and modestly expand lending capacity.

Stronger Equity And Lower LeverageSubstantial equity growth and a falling debt-to-equity ratio materially strengthen the bank's capital buffer. This durable improvement reduces solvency risk, eases regulatory pressure, and enables safer balance-sheet expansion while preserving capacity to absorb credit shocks over the medium term.

Operating Cash GenerationConsistent operating cash flow above net income demonstrates that reported earnings are backed by cash, supporting sustainable internal funding for lending and operations. Reliable cash generation enhances financial flexibility for capital needs and reduces dependence on volatile wholesale funding.

Bears Say

Low Equity RatioA relatively low equity ratio indicates the bank funds most assets with non‑equity liabilities, leaving limited capital cushion. Over several months this structural thinness raises sensitivity to credit losses or stress, and can constrain lending growth without additional capital issuance.

Margin SustainabilityReported margin deterioration and lower EBIT margin point to rising operating costs or compressing spreads. If persistent, this undermines long-term profitability and return on equity, limiting the bank's ability to self‑fund growth and compete on pricing in a regional banking market.

Free Cash Flow & Earnings QualityInconsistent free cash flow growth and absence of EBITDA disclosure for 2024 raise questions about earnings quality and non‑operating items. Over time this can impair reliable capital allocation, hinder dividend or buyback policies, and increase uncertainty around sustainable cash returns.

FRSB FAQ

What was First Resource Bank’s price range in the past 12 months?

First Resource Bank lowest stock price was $13.49 and its highest was $21.20 in the past 12 months.

What is First Resource Bank’s market cap?

First Resource Bank’s market cap is $64.80M.

When is First Resource Bank’s upcoming earnings report date?

First Resource Bank’s upcoming earnings report date is Apr 23, 2026 which is in 47 days.

How were First Resource Bank’s earnings last quarter?

First Resource Bank released its earnings results on Jan 28, 2026. The company reported $0.769 earnings per share for the quarter, beating the consensus estimate of N/A by $0.769.

Is First Resource Bank overvalued?

According to Wall Street analysts First Resource Bank’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Resource Bank pay dividends?

First Resource Bank pays a Annually dividend of $0.036 which represents an annual dividend yield of N/A. See more information on First Resource Bank dividends here

What is First Resource Bank’s EPS estimate?

First Resource Bank’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Resource Bank have?

First Resource Bank has 3,085,612 shares outstanding.

What happened to First Resource Bank’s price movement after its last earnings report?

First Resource Bank reported an EPS of $0.769 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 4.398%.

Which hedge fund is a major shareholder of First Resource Bank?

Currently, no hedge funds are holding shares in FRSB

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 Resource Bank Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

12.96%

Trailing 12-Months

Asset Growth

11.23%

Trailing 12-Months

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Company Description

First Resource Bank

First Resources Bancorp, Inc. operates as the bank holding for First Resource Bank that provides personal and business banking products and services to businesses and personal primarily in the southeastern area of Pennsylvania. The company's deposit products include checking, money market, and escrow accounts, as well as certificate deposit account registry services, insured cash sweeps, certificates of deposit, and IRAs. Its loan products include commercial mortgages, construction loans, working capital credit lines, small business administration loans, commercial term loans, home equity lines of credit, fixed payment home equity loans, residential construction loans, land loans, overdraft protection, vehicle loans, unsecured installment loans, certificate of deposit secured installment loans, and swing loans. The company also provides credit and debit cards; and cash management, positive pay, ACH origination, sweep/transfer, ATM, over the counter checks, bill payment, wire transfer, guarantee/notary, safe deposit box, drive-up banking, night depository, foreign currency exchange, cashier's check, and stop payments, as well as telephone, text, online, and mobile banking services. It operates three full-service branches serving the banking needs of businesses, professionals, and individuals in the Delaware Valley. The company was founded in 2005 and is based in Exton, Pennsylvania.