Friday 6 November 2026 Export FRBA’s income statement to Excel — free account

First Bank

FRBA Financial Banks Regional

First Bank’s revenue for fiscal 2025 (year ended December 2025) was $245.8 million, up 7.14% from fiscal 2024.

Revenue: −3.96%
EPS: +7.32%
Free cash flow: −48.7%
Total debt: −29.4%

Quarter to June 2026, against a year earlier

19.66 0.15 −0.76%

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Market cap: $493.4M
P/E: 11.6×
Fwd P/E: 11.5×
Dividend yield: 2.26%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	9.41	8.38	14.67	7.30	8.06	9.57	15.82	12.63	33.41	28.54
Piotroski F-Score Full definition →	8	5	5	6	6	6	5	7	6	6
P/S ratio Full definition →	1.67	1.54	1.86	2.36	2.88	1.95	2.39	2.90	0.00	0.00
P/FCF ratio Full definition →	6.16	13.70	2.29	7.57	9.95	7.78	14.04	6.28	0.00	0.00
P/Operating CF Full definition →	24.39	35.28	8.25	53.84	46.39	20.90	117.05	27.77	0.00	0.00
P/B ratio Full definition →	0.93	0.86	0.87	0.91	1.07	0.78	0.93	1.13	0.00	0.00
Price to Tangible BV Full definition →	1.05	0.99	1.02	0.98	1.15	0.85	1.01	1.25	0.00	0.00
EV/Sales Full definition →	1.51	1.56	1.89	2.30	2.56	2.90	2.84	3.60	0.25	0.25
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	5.67	12.95	2.28	7.00	9.01	11.32	15.61	7.44	1.57	1.57
EV/FCF Full definition →	5.58	13.86	2.33	7.39	8.84	11.57	16.68	7.82	1.76	1.76
Quick Ratio Full definition →	0.10	0.09	0.08	0.06	0.07	0.05	0.05	0.04	0.04	0.04
Current Ratio Full definition →	1.11	1.11	1.09	1.07	1.07	1.12	1.10	1.09	1.08	1.04
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	6.85%	7.32%	6.49%	4.42%	4.95%	8.13%	6.34%	6.73%	8.03%	8.03%
Debt/Equity Full definition →	0.61	0.68	0.63	0.42	0.47	0.80	0.56	0.59	0.71	0.97
Asset Turnover Full definition →	0.06	0.06	0.05	0.04	0.04	0.04	0.05	0.05	0.04	0.04
Operating CF/Net income Full definition →	1.50	0.65	6.88	1.02	0.79	1.26	1.19	2.10	2.36	1.43
Capex/Depreciation Full definition →	(0.13)	0.15	0.52	1.00	(0.10)	(6.53)	2.74	1.47	0.64	4.10
ROE Full definition →	10.24%	10.83%	6.33%	13.05%	14.04%	8.37%	6.38%	9.82%	5.55%	8.13%
ROA Full definition →	1.13%	1.14%	0.66%	1.38%	1.45%	0.89%	0.72%	1.11%	0.55%	0.66%
ROIC Full definition →	8.85%	8.34%	5.85%	10.74%	12.65%	4.95%	5.36%	5.74%	4.57%	4.53%
Return on Tangible Assets Full definition →	11.38%	11.90%	7.63%	22.25%	22.29%	8.21%	7.96%	13.56%	6.67%	17.47%
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	36.57%	32.56%	39.58%	43.48%	42.59%	52.19%	44.86%	46.66%	46.47%	51.55%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.00
Share Based Compensation of Revenue Full definition →	0.84%	0.89%	0.94%	1.09%	1.01%	1.07%	1.05%	1.03%	0.81%	0.79%
Graham Net Nets Full definition →	0.14	0.06	(0.05)	0.02	0.02	0.12	0.07	(0.02)	0.00	0.00
Graham Number Full definition →	26.46	24.81	19.50	24.93	23.47	16.25	13.65	15.20	0.00	0.00
Earnings Yield Full definition →	10.63%	11.94%	6.82%	13.70%	12.41%	10.45%	6.32%	7.92%	2.99%	3.50%
Free Cash Flow Yield Full definition →	16.24%	7.30%	43.72%	13.20%	10.05%	12.85%	7.12%	15.91%	0.00%	0.00%
Revenue per Share Full definition →	9.85	9.13	7.90	5.76	5.04	4.81	4.62	4.18	3.75	3.83
Operating CF per Share Full definition →	2.63	1.10	6.56	1.89	1.43	1.23	0.84	2.03	1.16	0.88
Capex per Share Full definition →	0.04	(0.07)	(0.14)	(0.10)	0.03	(0.02)	(0.05)	(0.10)	(0.03)	(0.04)
Free Cash Flow per Share Full definition →	2.67	1.03	6.41	1.79	1.46	1.21	0.79	1.93	1.13	0.83
Cash per Share Full definition →	12.42	10.85	10.43	6.52	7.99	5.02	4.60	3.37	3.34	3.62
Shareholders Equity per Share Full definition →	17.78	16.28	16.90	14.85	13.60	11.97	11.85	10.70	11.48	8.52
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	17.78	16.28	16.90	14.85	13.60	11.97	11.85	10.70	11.48	8.52
Free Cash Flow Full definition →	66.68	25.80	140.72	34.97	28.60	24.15	15.03	35.13	16.10	8.70
Working Capital Full definition →	365.12	333.70	252.43	152.54	149.05	226.07	157.08	118.75	98.95	33.34
Capital Expenditures Full definition →	1.11	(1.82)	(3.12)	(1.91)	0.56	(0.36)	(1.03)	(1.79)	(0.43)	(0.46)
Net Current Asset Value Full definition →	57.66	22.23	(15.61)	4.34	6.97	22.09	13.82	(3.33)	(22.04)	(55.58)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.00	0.01	0.02	0.02	(0.01)	0.00	0.01	0.02	0.01	0.01
Price to Operating Income Full definition →	7.17	6.41	9.14	5.45	5.99	7.16	9.25	9.66	0.00	0.00
Other line items
Depreciation/Fixed assets Full definition →	(0.48)	(0.58)	(0.28)	(0.18)	(0.58)	0.01	(0.03)	(0.11)	(0.11)	(0.03)
Cash ROIC Full definition →	6.51%	2.69%	16.87%	6.51%	5.22%	4.57%	3.40%	9.46%	4.92%	4.09%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.03	0.03	0.03	0.01	0.00	0.01	0.02	0.01	0.01	0.01
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	11,851.02	11,200.95	15,584.85	56,239.42	83,676.25	35,363.41	23,210.22	28,578.14	36,930.28	34,661.60
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	3,129.10	3,011.73	2,630.76	2,204.28	2,009.11	1,772.24	1,517.04	1,280.15	1,031.02	816.98
Average Assets Full definition →	3,869.19	3,694.84	3,171.13	2,628.34	2,435.01	2,178.93	1,861.37	1,581.74	1,262.81	964.70
Average Common Equity Full definition →	426.33	390.03	330.23	278.11	252.39	232.25	210.61	179.04	126.03	78.78

Show all line items

Columns are period end dates

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