First Bank FRBA

17.80 0.21 1.19% as of 25 Sep
Market cap
$435.4M
P/E
10.3×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 10.50%

Capital & Financial Ratios

Market Cap 435.42
Revenue 243.86
Net Income 42.54
Free Cash Flow 50.73
Net Debt (76.03)
Current Ratio 1.11
Debt/Equity 0.61
P/E ratio 10.35
P/S ratio 1.82
P/B ratio 0.98
Past 5Y EPS Growth 19.23%
This Y EPS Growth (7.09%)
Next Y EPS Growth 12.99%
Next 5Y EPS Growth 7.76%
in millions of $

Dividends

Payout Ratio 0.14
Annual Dividend Rate 0.24
Annual Dividend Yield 1.78%
total individual payouts
2027 Powerpack
2026 0.36
0.09
0.09
0.09
2025 0.24
0.06
0.06
0.06
0.06
2024 0.24
0.06
0.06
0.06
0.06
2023 0.24
0.06
0.06
0.06
0.06
2022 0.24
0.06
0.06
0.06
0.06
2021 0.15
0.03
0.03
0.03
0.06
2020 0.12
0.03
0.03
0.03
0.03
2019 0.12
0.03
0.03
0.03
0.03
2018 0.12
0.03
0.03
0.03
0.03
2017 0.08
0.02
0.02
0.02
0.02
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 229 273 310 352
Receivables — — — —
Inventory — — — —
Other — — — —
3,223 3,393 3,572 3,693
2023 2024 2025 Q'26
Payables 2,968 3,056 3,202 3,324
ST’ Debt — — — —
Other — — — —
2,970 3,060 3,207 3,329
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 22.46% 20.80% 29.81%
Cash Flow 29.00% 21.75% 21.14%
Earnings 27.36% 17.55% 6.36%
Book Value 20.49% 13.25% 15.27%

Revenue

Mar Jun Sep Dec Year
’26 58 59 — — —
’25 58 62 64 63 246
’24 56 56 59 59 229
’23 35 38 50 50 173
’22 24 26 29 33 112
’21 25 24 25 25 99
’20 23 24 24 24 96
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 11 8 — — —
’25 20 11 17 17 66
’24 10 8 (1) 10 28
’23 9 7 89 39 144
’22 7 9 16 5 37
’21 10 6 5 6 28
’20 6 3 7 9 25
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 11 7 — — —
’25 20 14 16 16 67
’24 10 8 0 8 26
’23 8 6 88 38 141
’22 7 8 16 4 35
’21 10 6 6 6 29
’20 6 2 7 9 24
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.30 0.43 — — —
’25 0.37 0.41 0.47 0.49 1.74
’24 0.50 0.44 0.32 0.41 1.67
’23 0.36 0.35 (0.05) 0.33 0.95
’22 0.41 0.45 0.52 0.46 1.84
’21 0.49 0.45 0.46 0.40 1.79
’20 0.16 0.21 0.30 0.31 0.97
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
6.25 10.60 11.13 10.29 6.00 8.78 13.17 8.59 11.20 12.74

Analyst estimates 2026–2028

Powerpack
Low Price
12.95 14.95 15.00 12.10 11.19 15.90 16.76 15.17 15.87 18.11
High Price
110 153 188 221 207 220 241 288 320 336
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
40 53 76 88 96 99 112 173 229 246
Revenue
76.41% 78.36% 76.65% 70.73% 79.44% 90.67% 86.75% 59.90% 56.60% 59.88%
Gross Margin
10 14 22 19 26 47 48 27 55 57
EBT
23.79% 27.05% 28.40% 21.57% 27.19% 47.26% 42.61% 15.67% 24.04% 23.31%
EBT Margin
6 7 18 13 19 35 36 21 42 44
Net Income
0 (1) (1) 0 0 (6) (2) (6) (12) (9)
Depreciation
3.83 3.75 4.18 4.62 4.81 5.04 5.76 7.90 9.13 9.85
Revenue/Sh
0.61 0.49 0.97 0.70 0.98 1.81 1.86 0.95 1.68 1.75
Earnings/Sh
0.88 1.16 2.03 0.84 1.23 1.43 1.89 6.56 1.10 2.63
Cash Flow/Sh
(0.04) (0.03) (0.10) (0.05) (0.02) 0.03 (0.10) (0.14) (0.07) 0.04
Capex/Sh
0.83 1.13 1.93 0.79 1.21 1.46 1.79 6.41 1.03 2.67
Free CF/Sh
8.52 11.48 10.70 11.85 11.97 13.60 14.85 16.90 16.28 17.78
Book Value/Sh
10 14 18 19 20 20 20 22 25 25
Shares
28.54 33.41 12.63 15.82 9.57 8.06 7.30 14.67 8.38 9.41
PE Ratio
0.00 0.00 2.90 2.39 1.95 2.88 2.36 1.86 1.54 1.67
PS Ratio
0.00 0.00 1.13 0.93 0.78 1.07 0.91 0.87 0.86 0.93
PB Ratio
0.25 0.25 3.60 2.84 2.90 2.56 2.30 1.89 1.56 1.51
EV/Sales
1.76 1.76 7.82 16.68 11.57 8.84 7.39 2.33 13.86 5.58
EV/FCF
9 17 37 16 25 28 37 144 28 66
Op' Cash Flow
0 0 (2) (1) 0 1 (2) (3) (2) 1
Capex
9 16 35 15 24 29 35 141 26 67
FCF
33 99 119 157 226 149 153 252 334 365
Working Cap'
86 117 115 127 191 125 121 234 277 271
Total Debt
48 69 54 40 91 (32) (7) 5 4 (39)
Net Debt
89 163 195 226 238 267 290 371 409 444
Sh' Equity
0.66% 0.55% 1.11% 0.72% 0.89% 1.45% 1.38% 0.66% 1.14% 1.13%
ROA
4.53% 4.57% 5.74% 5.36% 4.95% 12.65% 10.74% 5.85% 8.34% 8.85%
ROIC
8.13% 5.55% 9.82% 6.38% 8.37% 14.04% 13.05% 6.33% 10.83% 10.24%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First Bank peers in Banks Regional

Company Market cap P/E Compare
CBK Commercial Bancgroup, Inc. $435.8M 10.9× Compare
AVBC Avidia Bancorp, Inc. $433.2M 22.8× Compare
PBFS Pioneer Bancorp, Inc. $431.5M 25.6× Compare
CBAN Colony Bankcorp, Inc. $440.1M 12.5× Compare
Company Market cap P/E Compare
PLBC Plumas Bancorp $428.1M 12.1× Compare
RBB RBB Bancorp $447.4M 10.8× Compare
BMRC Bank of Marin Bancorp $449.9M 0.0× Compare
USCB USCB Financial Holdings, Inc. $418.8M 14.7× Compare

All 325 Banks Regional stocks →

First Bank (FRBA) key facts

  • First Bank (FRBA) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • First Bank’s revenue for fiscal 2025 (year ended December 2025) was $245.8 million, up 7.14% from fiscal 2024.
  • Net income was $43.7 million, or $1.75 per share (basic), a net margin of 17.8%.
  • As of September 25, 2026, FRBA traded at $17.80, a market capitalization of $435.4 million.
  • At that price the stock trades at 10.3× trailing-twelve-month earnings and 1.8× sales.
  • First Bank pays an annual dividend of $0.24 per share, a yield of 1.78%, with a payout ratio of 14.2%.
  • Return on equity was 10.2% and debt-to-equity 0.61.

Source: company filings (standardised) and stockrow calculations.

First Bank (FRBA) Latest News

News by impact score

Fine-tune

24 Jul

3

First Bank (FRBA) reported strong loan and deposit growth in Q2 2026 earnings highlights. Positive loan and deposit growth points to solid core banking performance with moderate effects on near-term results.

3 transcript

First Bank reported Q2 earnings with details on financial performance, net interest income, loan growth, deposit trends, credit quality metrics and management outlook during its earnings call. Q2 earnings release and call provide updated financial metrics and guidance that moderately influence near-term stock sentiment and valuation.

3

First Bank (FRBA) reported its second quarter 2025 earnings, revealing revenues that exceeded expectations. However, earnings per share (EPS) fell short of forecasts, indicating mixed results for the quarter. Investors are likely to analyze these figures closely as they assess the bank's financial health and future performance. Mixed earnings results suggest a moderately noticeable influence on financial performance and market sentiment.

16 Jul

3

First Bank (FRBA) expected to beat earnings estimates with potential for stock price gains. Expected earnings beat signals moderate positive effects on FRBA financial results and stock trajectory.

1 May

4

FRBA stock plunged 8.3% in four weeks, but the downtrend may reverse due to positive indicators. Bullish reversal prediction after sharp decline signals significant potential uplift in investor sentiment and stock trajectory.

29 Apr

4

First Bank (FRBA) Q1 2026 earnings call highlights strategic growth initiatives navigating operational challenges, with key metrics on revenue, deposits, loans, and profitability amid economic pressures. Earnings highlights detail strategic responses to challenges, signaling potential trajectory shifts via growth and efficiency gains.

28 Apr

4

First Bank (FRBA) Q1 earnings call highlights strong loan growth, deposit expansion, stable net interest margin, and optimistic outlook despite economic headwinds. Q1 earnings details signal robust financial health and strategic positioning, poised to drive significant stock performance shifts.

27 Apr

4

First Bank (FRBA) Q1 earnings and revenues missed analyst estimates. Missing Q1 earnings and revenue estimates directly undermines financial performance and investor sentiment, likely causing significant short-term stock pressure.

4

First Bank (FRBA) announces first quarter 2026 net income of $7.6 million. Quarterly net income announcement directly impacts financial performance metrics and investor sentiment.

21 Apr

4 transcript

First Bank (FRBA) released Q4 2025 earnings call transcript detailing quarterly financial results, management discussion, and forward-looking guidance. Q4 2025 earnings transcript provides detailed financial metrics, operational updates, and outlook significantly shaping FRBA's future performance and investor sentiment.

9 Feb

4

First Bank (FRBA) is highlighted as a strong dividend stock due to its consistent dividend payments, solid financial performance, and commitment to shareholder returns. The bank has demonstrated resilience in its operations, maintaining a healthy balance sheet and a favorable payout ratio. Analysts emphasize the potential for future growth and stability, making it an attractive option for income-focused investors. Strong dividend performance and financial stability indicate significant potential for future growth and investor interest.

27 Jan

4 transcript

First Bank (FRBA) reported its Q4 earnings, highlighting a strong performance driven by increased loan demand and improved net interest margins. The bank's net income rose significantly compared to the previous quarter, reflecting effective cost management and strategic growth initiatives. Management expressed optimism about future growth prospects, citing a robust pipeline of loans and a focus on expanding their market presence. Additionally, the bank plans to invest in technology to enhance customer experience and operational efficiency. Significant growth in net income and strategic investments indicate a strong potential for future performance.

3

First Bank (FRBA) reported its Q4 2025 earnings, highlighting strong profit margins despite declines in both loans and deposits. The bank's performance reflects resilience in a challenging economic environment, with management emphasizing strategic initiatives to enhance operational efficiency and customer engagement. Investors are encouraged by the bank's ability to maintain margins while navigating these declines. The decline in loans and deposits may moderately influence financial performance and market sentiment.

26 Jan

3

First Bank (FRBA) has reported its fourth-quarter earnings, matching analysts' estimates. The results indicate stability in the bank's financial performance, reflecting consistent operational efficiency and effective management strategies. Investors are likely to view this performance positively, as it aligns with market expectations and reinforces confidence in the bank's future prospects. Earnings matching estimates suggests stable performance but does not indicate significant changes in trajectory.

3

First Bank (FRBA) reported a net income of $12.3 million for the fourth quarter of 2025, contributing to a full-year net income of $43.7 million. The results reflect the bank's financial performance and operational stability during the year. The reported net income indicates a stable financial performance, which may moderately influence investor sentiment and market positioning.

13 Jan

4

First Bank (NASDAQ:FRBA) has attracted significant interest from institutional investors, holding a 49% stake. This development indicates growing confidence in the bank's potential and may influence its market performance moving forward. The substantial institutional stake suggests a significant shift in investor sentiment and potential strategic advantages for First Bank.

12 Dec

4

First Bank (FRBA) is positioned well for trend investing due to its strong financial performance, strategic growth initiatives, and focus on enhancing customer experience. The bank's commitment to technology and innovation, along with its expanding market presence, makes it an attractive option for investors looking to capitalize on emerging trends in the banking sector. Additionally, First Bank's solid management team and proactive approach to market changes further bolster its appeal in a competitive landscape. Significant strategic growth initiatives and a focus on technology are likely to impact future performance positively.

3 Dec

4

Investors in First Bank (NASDAQ:FRBA) who purchased shares five years ago have seen a 77% increase in their investment. The bank's performance has been bolstered by strategic initiatives and favorable market conditions, contributing to its growth and positive investor sentiment. The significant increase in investment returns indicates strong performance and potential for future growth.

18 Nov

4

First Bank (FRBA) has been upgraded to a Strong Buy rating by analysts, reflecting positive sentiment regarding its financial performance and growth potential. The upgrade is based on strong fundamentals, improved market conditions, and strategic initiatives that position the bank favorably in the competitive landscape. Investors are encouraged to consider this upgrade as a signal of confidence in the bank's future prospects. The upgrade to Strong Buy indicates significant positive sentiment and potential for improved financial performance.

5 Nov

4

First Bank (FRBA) has been highlighted as one of the best value stocks to buy as of November 5. The bank's strong fundamentals, including solid earnings and growth potential, make it an attractive investment option. Analysts suggest that FRBA's current valuation presents a unique opportunity for investors looking for value in the financial sector. The article emphasizes the bank's resilience and strategic positioning in a competitive market, indicating a positive outlook for future performance. Strong fundamentals and growth potential suggest significant impact on future performance.

24 Oct

4

First Bank (FRBA) has reported an expansion in its net profit margin, reinforcing a positive narrative within the community and among investors. This growth in profitability is seen as a strong indicator of the bank's operational efficiency and financial health, potentially attracting more interest from stakeholders and enhancing its market position. The expansion of net profit margins is a significant indicator of improved financial performance, likely influencing investor sentiment and the bank's future trajectory.

22 Oct

3

First Bank (FRBA) reported a net income of $11.7 million for the third quarter of 2025, reflecting a strong financial performance. The results indicate growth compared to previous quarters, driven by increased lending and improved asset quality. Management expressed optimism about future prospects, citing strategic initiatives aimed at enhancing operational efficiency and customer service. The bank continues to focus on expanding its market presence and adapting to changing economic conditions. The reported net income indicates a positive trend in financial performance, which may moderately influence investor sentiment and operational aspects.

1 Oct

4

First Bank (FRBA) is highlighted as a promising investment opportunity in October 2025, showcasing its potential for growth amid a landscape of undiscovered financial gems in the U.S. market. The article emphasizes the bank's strategic initiatives and market positioning that could attract investor interest and enhance its competitive edge. Analysts suggest that FRBA's focus on innovation and customer service may lead to increased market share and profitability, making it a noteworthy contender for investors seeking value in the financial sector. Significant strategic initiatives and market positioning could alter the company's trajectory and investor sentiment.

29 Aug

4

First Bank (FRBA) is highlighted as one of three undiscovered investment opportunities in the U.S. market, showcasing its potential for growth and profitability. The article emphasizes the bank's strong fundamentals, strategic positioning, and favorable market conditions that could lead to significant returns for investors. Analysts suggest that FRBA's unique offerings and market approach set it apart from competitors, making it a compelling choice for those seeking undervalued assets in the financial sector. First Bank's strategic positioning and growth potential could significantly alter its trajectory and investor sentiment.

4 Aug

3

First Bank (NASDAQ:FRBA) is set to distribute a dividend of US$0.06, which has garnered positive attention from investors. The upcoming dividend reflects the bank's commitment to returning value to shareholders and indicates a stable financial position. Analysts highlight the potential for continued growth and profitability, making the dividend an attractive aspect for current and prospective investors. The dividend announcement suggests a stable financial outlook, which may moderately influence investor sentiment and financial performance.

31 Jul

4

First Bank (FRBA) is highlighted as an undervalued asset in the U.S. market for July 2025, with analysts noting its strong fundamentals and growth potential. The bank's strategic initiatives and market positioning are expected to attract investor interest, suggesting a promising outlook amidst broader economic trends. Significant strategic moves and growth potential are expected to alter the company's trajectory and investor sentiment.

26 Jul

3

First Bank (NASDAQ:FRBA) will pay a dividend of $0.06 on August 22, resulting in a 1.6% dividend yield. The bank has a solid history of paying dividends for 9 years, with a payout ratio of 16%, indicating sustainability. EPS is expected to grow by 12.4% next year, suggesting the potential for future dividend increases. Although the current yield is modest, First Bank has been growing its dividend at an annual rate of about 13% since 2016. Overall, the company appears to be a promising dividend stock with strong earnings coverage and cash generation. The dividend growth and earnings stability indicate a moderately noticeable influence on future performance.

22 Jul

4

First Bank (FRBA) is highlighted as a promising undervalued small-cap stock for July 2025, with notable insider activity suggesting confidence in the company's future. Analysts point to recent financial performance and strategic initiatives that may position the bank favorably in a competitive landscape. The article emphasizes the potential for growth and investor interest driven by these insider transactions. Insider activity and strategic initiatives indicate significant confidence in First Bank's future performance.

3

First Bank (FRBA) reported Q2 earnings of $0.41 per share, missing the Zacks Consensus Estimate of $0.43 and down from $0.47 a year ago, resulting in a -4.65% earnings surprise. Revenue for the quarter was $36.71 million, exceeding estimates by 3.50% and up from $31.23 million year-over-year. The company has surpassed revenue estimates three times in the last four quarters but has only met EPS estimates once. Currently, First Bank holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market. The consensus EPS estimate for the next quarter is $0.46, with revenues projected at $36.42 million. The Banks - Northeast industry ranks in the top 30% of Zacks industries, which may influence stock performance. Earnings performance and mixed estimate revisions suggest a moderately noticeable influence on future performance.

3

First Bank reported a net income of $10.2 million for Q2 2025, down from $11.1 million in Q2 2024, with a stable net interest margin of 3.65%. The bank experienced robust loan growth, with total loans reaching $3.33 billion, and deposits increasing to $3.17 billion. Asset quality remained strong, with nonperforming assets decreasing to 0.40% of total assets. The bank's tangible book value per share grew by 11.1% annualized. First Bank anticipates a moderation in loan growth in the second half of 2025, focusing on relationship-building and profitability. The bank also completed a $35 million subordinated debt issuance and announced a quarterly cash dividend of $0.06 per share. The bank's liquidity position improved, with cash and cash equivalents increasing by 19.7% compared to the previous quarter. The reported financial results and strategic initiatives indicate moderately noticeable influence on First Bank's financial performance and market positioning.

stockrow.com/FRBA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com