First Resource Bank (FRSB) AI Stock Analysis

• Market Cap: $65.17M
• Dividend Yield: N/A
• Average Volume (3M): 653.00
• Price to Earnings (P/E): 6.4
• Beta (1Y): 0.24
• Revenue Growth: 15.92%
• EPS Growth: 19.03%
• Country: US
• Employees: 15
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 3,085,612
• 10 Day Avg. Volume: 1,126
• 30 Day Avg. Volume: 653
• PEG Ratio: 0.13
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 1.34
• P/FCF Ratio: 7.54
• Enterprise Value/Market Cap: 1.41
• Enterprise Value/Revenue: 2.99
• Enterprise Value/Gross Profit: 4.20
• Enterprise Value/Ebitda: 12.47
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $23.00 ▲(15.99% Upside)
• Action: Upgraded Date: 04/02/26
• Date: Action: Upgraded 04/02/26

The score is driven primarily by solid underlying financial performance (profitability, improving leverage, positive cash flow) and strong valuation support (low P/E and high dividend yield). Technical indicators are more neutral-to-slightly-soft (flat moving-average positioning and slightly negative MACD), tempering the overall score.

Positive Factors

Sustained profitability and ROE

Consistent mid-teens ROE indicates the bank converts capital into earnings reliably over time. That level of profitability supports internal capital formation, dividend capacity and reinvestment for lending growth, underpinning durable earnings power across cycles.

Negative Factors

Revenue volatility

Material swings in revenue complicate forecasting and capital planning. Volatility can reflect concentrations, sensitivity to interest or credit cycles, or one-time items, and may pressure margins and balance-sheet planning during downturns even if recent growth is strong.

First Resource Bank Business Overview & Revenue Model

Company Description

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 depos...

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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 depos...

How the Company Makes Money

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First Resource Bank Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	30.67M	44.33M	19.98M	30.38M	21.79M	18.95M
Gross Profit	21.84M	25.69M	19.98M	19.57M	17.76M	15.77M
EBITDA	7.35M	10.24M	6.64M	7.96M	7.48M	5.66M
Net Income	6.22M	8.16M	5.31M	5.93M	5.63M	4.17M
Balance Sheet
Total Assets	697.26M	817.36M	663.58M	602.62M	516.72M	469.06M
Cash, Cash Equivalents and Short-Term Investments	35.02M	0.00	17.84M	40.99M	31.47M	54.50M
Total Debt	36.69M	26.48M	12.72M	50.51M	42.69M	30.23M
Total Liabilities	643.27M	758.59M	613.29M	556.48M	476.63M	433.51M
Stockholders Equity	53.99M	58.77M	50.29M	46.14M	40.10M	35.55M
Cash Flow
Free Cash Flow	0.00	7.86M	5.61M	5.45M	4.71M	3.86M
Operating Cash Flow	0.00	8.11M	6.00M	5.62M	5.02M	4.00M
Investing Cash Flow	0.00	-80.35M	-67.89M	-63.65M	-53.49M	-59.58M
Financing Cash Flow	0.00	144.83M	55.91M	76.25M	43.52M	40.12M

First Resource Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.83
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FRSB, the sentiment is Positive. The current price of 19.83 is below the 20-day moving average (MA) of 20.73, below the 50-day MA of 20.92, and above the 200-day MA of 18.68, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 63.78 is Neutral, neither overbought nor oversold. The STOCH value of 71.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FRSB.

First Resource Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRSB	72 Outperform	$65.17M	6.42	14.75%	―	15.92%	19.03%
CLST	68 Neutral	$64.73M	32.15	2.53%	―	76.66%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASRV	64 Neutral	$62.94M	9.39	4.93%	3.87%	6.89%	―