Saturday 17 October 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. In the quarter to June 2026, revenue fell 3.96%, EPS grew 7.32%, free cash flow fell 48.7% and total debt fell 29.4%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten.
17.80
0.07
+0.39%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
9.41 | 8.38 | 14.67 | 7.30 | 8.06 | 9.57 | 15.82 | 12.63 | 33.41 | 28.54 |
Piotroski F-Score |
8 | 5 | 5 | 6 | 6 | 6 | 5 | 7 | 6 | 6 |
P/S ratio |
1.67 | 1.54 | 1.86 | 2.36 | 2.88 | 1.95 | 2.39 | 2.90 | 0.00 | 0.00 |
P/FCF ratio |
6.16 | 13.70 | 2.29 | 7.57 | 9.95 | 7.78 | 14.04 | 6.28 | 0.00 | 0.00 |
P/Operating CF |
24.39 | 35.28 | 8.25 | 53.84 | 46.39 | 20.90 | 117.05 | 27.77 | 0.00 | 0.00 |
P/B ratio |
0.93 | 0.86 | 0.87 | 0.91 | 1.07 | 0.78 | 0.93 | 1.13 | 0.00 | 0.00 |
Price to Tangible BV |
1.05 | 0.99 | 1.02 | 0.98 | 1.15 | 0.85 | 1.01 | 1.25 | 0.00 | 0.00 |
EV/Sales |
1.51 | 1.56 | 1.89 | 2.30 | 2.56 | 2.90 | 2.84 | 3.60 | 0.25 | 0.25 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
5.67 | 12.95 | 2.28 | 7.00 | 9.01 | 11.32 | 15.61 | 7.44 | 1.57 | 1.57 |
EV/FCF |
5.58 | 13.86 | 2.33 | 7.39 | 8.84 | 11.57 | 16.68 | 7.82 | 1.76 | 1.76 |
Quick Ratio |
0.10 | 0.09 | 0.08 | 0.06 | 0.07 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
Current Ratio |
1.11 | 1.11 | 1.09 | 1.07 | 1.07 | 1.12 | 1.10 | 1.09 | 1.08 | 1.04 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
6.85% | 7.32% | 6.49% | 4.42% | 4.95% | 8.13% | 6.34% | 6.73% | 8.03% | 8.03% |
Debt/Equity |
0.61 | 0.68 | 0.63 | 0.42 | 0.47 | 0.80 | 0.56 | 0.59 | 0.71 | 0.97 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
Operating CF/Net income |
1.50 | 0.65 | 6.88 | 1.02 | 0.79 | 1.26 | 1.19 | 2.10 | 2.36 | 1.43 |
Capex/Depreciation |
(0.13) | 0.15 | 0.52 | 1.00 | (0.10) | (6.53) | 2.74 | 1.47 | 0.64 | 4.10 |
| 10.24% | 10.83% | 6.33% | 13.05% | 14.04% | 8.37% | 6.38% | 9.82% | 5.55% | 8.13% | |
| 1.13% | 1.14% | 0.66% | 1.38% | 1.45% | 0.89% | 0.72% | 1.11% | 0.55% | 0.66% | |
ROIC |
8.85% | 8.34% | 5.85% | 10.74% | 12.65% | 4.95% | 5.36% | 5.74% | 4.57% | 4.53% |
Return on Tangible Assets |
11.38% | 11.90% | 7.63% | 22.25% | 22.29% | 8.21% | 7.96% | 13.56% | 6.67% | 17.47% |
Average Days of Receivables |
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 |
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 |
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 |
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 |
0.84% | 0.89% | 0.94% | 1.09% | 1.01% | 1.07% | 1.05% | 1.03% | 0.81% | 0.79% |
Graham Net Nets |
0.14 | 0.06 | (0.05) | 0.02 | 0.02 | 0.12 | 0.07 | (0.02) | 0.00 | 0.00 |
Graham Number |
26.46 | 24.81 | 19.50 | 24.93 | 23.47 | 16.25 | 13.65 | 15.20 | 0.00 | 0.00 |
Earnings Yield |
10.63% | 11.94% | 6.82% | 13.70% | 12.41% | 10.45% | 6.32% | 7.92% | 2.99% | 3.50% |
Free Cash Flow Yield |
16.24% | 7.30% | 43.72% | 13.20% | 10.05% | 12.85% | 7.12% | 15.91% | 0.00% | 0.00% |
Revenue per Share |
9.85 | 9.13 | 7.90 | 5.76 | 5.04 | 4.81 | 4.62 | 4.18 | 3.75 | 3.83 |
Operating CF per Share |
2.63 | 1.10 | 6.56 | 1.89 | 1.43 | 1.23 | 0.84 | 2.03 | 1.16 | 0.88 |
Capex per Share |
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 |
2.67 | 1.03 | 6.41 | 1.79 | 1.46 | 1.21 | 0.79 | 1.93 | 1.13 | 0.83 |
Cash per Share |
12.42 | 10.85 | 10.43 | 6.52 | 7.99 | 5.02 | 4.60 | 3.37 | 3.34 | 3.62 |
Shareholders Equity per Share |
17.78 | 16.28 | 16.90 | 14.85 | 13.60 | 11.97 | 11.85 | 10.70 | 11.48 | 8.52 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.78 | 16.28 | 16.90 | 14.85 | 13.60 | 11.97 | 11.85 | 10.70 | 11.48 | 8.52 |
Free Cash Flow |
66.68 | 25.80 | 140.72 | 34.97 | 28.60 | 24.15 | 15.03 | 35.13 | 16.10 | 8.70 |
Working Capital |
365.12 | 333.70 | 252.43 | 152.54 | 149.05 | 226.07 | 157.08 | 118.75 | 98.95 | 33.34 |
Capital Expenditures |
1.11 | (1.82) | (3.12) | (1.91) | 0.56 | (0.36) | (1.03) | (1.79) | (0.43) | (0.46) |
Net Current Asset Value |
57.66 | 22.23 | (15.61) | 4.34 | 6.97 | 22.09 | 13.82 | (3.33) | (22.04) | (55.58) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.01 | 0.02 | 0.02 | (0.01) | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 |
Price to Operating Income |
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 |
(0.48) | (0.58) | (0.28) | (0.18) | (0.58) | 0.01 | (0.03) | (0.11) | (0.11) | (0.03) |
Cash ROIC |
6.51% | 2.69% | 16.87% | 6.51% | 5.22% | 4.57% | 3.40% | 9.46% | 4.92% | 4.09% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.01 | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
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 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
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 |
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 |
426.33 | 390.03 | 330.23 | 278.11 | 252.39 | 232.25 | 210.61 | 179.04 | 126.03 | 78.78 |
Columns are period end dates