Saturday 17 October 2026 Export FRBA’s income statement to Excel — free account

First Bank

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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Market cap: $438.9M
P/E: 10.3×
Fwd P/E: 10.2×
Dividend yield: 1.85%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 10.50%

Capital & Financial Ratios $m

Market Cap 438.89

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

Fwd P/E 10.20

P/S ratio 1.82

P/B ratio 0.98

Past 5Y EPS Growth 12.40%

This Y EPS Growth (7.09%)

Next Y EPS Growth 12.99%

Next Y revenue growth (39.35%)

Next 5Y EPS Growth 7.76%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 44.78%

10-year low 10-year high

P/S against its own 10 years 48.93%

10-year low 10-year high

P/B against its own 10 years 59.70%

10-year low 10-year high

Dividends

Payout Ratio 0.20

Annual Dividend Rate 0.33

Annual Dividend Yield 1.85%

	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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	12.95	14.95	15.00	12.10	11.19	15.90	16.76	15.17	15.87	18.11
People
People	Employees	110	153	188	221	207	220	241	288	320	336
	Revenue/emp, $m	0.36	0.35	0.41	0.40	0.46	0.45	0.47	0.60	0.72	0.73
Income, $m
Income, $m	Revenue	40	53	76	88	96	99	112	173	229	246
	Gross margin, %	76.41	78.36	76.65	70.73	79.44	90.67	86.75	59.90	56.60	59.88
	EBT	10	14	22	19	26	47	48	27	55	57
	EBT margin, %	23.79	27.05	28.40	21.57	27.19	47.26	42.61	15.67	24.04	23.31
	Net income	6	7	18	13	19	35	36	21	42	44
	Depreciation	0	(1)	(1)	0	0	(6)	(2)	(6)	(12)	(9)
Per share, $
Per share, $	Revenue	3.83	3.75	4.18	4.62	4.81	5.04	5.76	7.90	9.13	9.85
	Earnings	0.61	0.49	0.97	0.70	0.98	1.81	1.86	0.95	1.68	1.75
	Cash flow	0.88	1.16	2.03	0.84	1.23	1.43	1.89	6.56	1.10	2.63
	Capex	(0.04)	(0.03)	(0.10)	(0.05)	(0.02)	0.03	(0.10)	(0.14)	(0.07)	0.04
	Free cash flow	0.83	1.13	1.93	0.79	1.21	1.46	1.79	6.41	1.03	2.67
	Book value	8.52	11.48	10.70	11.85	11.97	13.60	14.85	16.90	16.28	17.78
	Shares, m	10	14	18	19	20	20	20	22	25	25
Valuation, ×
Valuation, ×	P/E	28.54	33.41	12.63	15.82	9.57	8.06	7.30	14.67	8.38	9.41
	P/S	0.00	0.00	2.90	2.39	1.95	2.88	2.36	1.86	1.54	1.67
	P/B	0.00	0.00	1.13	0.93	0.78	1.07	0.91	0.87	0.86	0.93
	EV/Sales	0.25	0.25	3.60	2.84	2.90	2.56	2.30	1.89	1.56	1.51
	EV/FCF	1.76	1.76	7.82	16.68	11.57	8.84	7.39	2.33	13.86	5.58
Cash, $m
Cash, $m	Operating cash flow	9	17	37	16	25	28	37	144	28	66
	Capex	0	0	(2)	(1)	0	1	(2)	(3)	(2)	1
	Free cash flow	9	16	35	15	24	29	35	141	26	67
Balance, $m
Balance, $m	Working capital	33	99	119	157	226	149	153	252	334	365
	Total debt	86	117	115	127	191	125	121	234	277	271
	Net debt	48	69	54	40	91	(32)	(7)	5	4	(39)
	Shareholders’ equity	89	163	195	226	238	267	290	371	409	444
Returns, %
Returns, %	ROA	0.66	0.55	1.11	0.72	0.89	1.45	1.38	0.66	1.14	1.13
	ROIC	4.53	4.57	5.74	5.36	4.95	12.65	10.74	5.85	8.34	8.85
	ROE	8.13	5.55	9.82	6.38	8.37	14.04	13.05	6.33	10.83	10.24

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CZNC Citizens & Northern Corp	$454.8M	17.3×	10.8×	+26.53% (above 0%: growing)	+97.50% (above 0%: growing)	+90.26% (above 0%: growing)	76.74%	0.00%	Compare
PBFS Pioneer Bancorp, Inc.	$440.5M	25.2×	24.0×	+17.36% (above 0%: growing)	−46.15% (below 0%: shrinking)	+217.72% (above 0%: growing)	75.84%	0.00%	Compare
FRBA First Bank	$438.9M	10.3×	10.2×	−3.96% (below 0%: shrinking)	+7.32% (above 0%: growing)	−48.72% (below 0%: shrinking)	62.19%	0.00%
AVBC Avidia Bancorp, Inc.	$436.0M	23.1×	14.7×	+5.48% (above 0%: growing)	—	+391.37% (above 0%: growing)	76.31%	0.00%	Compare
RBB RBB Bancorp	$435.8M	10.5×	10.3×	−4.00% (below 0%: shrinking)	+13.21% (above 0%: growing)	+4.05% (above 0%: growing)	55.01%	0.00%	Compare
PLBC Plumas Bancorp	$431.8M	12.1×	9.7×	+44.00% (above 0%: growing)	+33.64% (above 0%: growing)	+446.81% (above 0%: growing)	86.85%	0.00%	Compare
CBK Commercial Bancgroup, Inc.	$431.5M	10.8×	10.3×	−0.84% (below 0%: shrinking)	+3.15% (above 0%: growing)	+28.43% (above 0%: growing)	73.67%	0.00%	Compare
BMRC Bank of Marin Bancorp	$427.4M	— (loss-making)	11.9×	+120.20% (above 0%: growing)	n/m	+67.51% (above 0%: growing)	74.60%	0.00%	Compare
CBAN Colony Bankcorp, Inc.	$425.1M	12.0×	10.7×	+23.45% (above 0%: growing)	+10.87% (above 0%: growing)	−48.88% (below 0%: shrinking)	72.54%	0.00%	Compare
Median of peers	$433.8M	12.1×	10.8×	+20.41%	+12.04%	+78.89%	75.22%	0.00%

All 323 Banks Regional stocks →

First Bank (FRBA) key facts

Strength: First Bank’s revenue for fiscal 2025 (year ended December 2025) was $245.8 million, up 7.14% from fiscal 2024.
First Bank (FRBA) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, FRBA traded at $17.80, a market capitalization of $438.9 million.
First Bank pays an annual dividend of $0.33 per share, a yield of 1.85%, with a payout ratio of 19.5%.
Return on equity was 10.2% and debt-to-equity 0.61.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.