First Bank(FRBA)Earnings, Financials & Key Ratios

FRBA•NASDAQ•Banking & Credit

$15.42

$388M mkt cap·8.9× P/E·Price updated May 7, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutFirst Bank provides various banking products and services to individuals, businesses, and governmental entities. The company accepts various deposits, including non-interest bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking accounts. Its loan products include commercial and industrial loans; commercial real estate loans, such as owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans comprising residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans that include auto, personal, and traditional installment loans. The company also provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone, as well as ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services. As of December 31, 2021, it operated 18 full-service branches in Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown counties in New Jersey, as well as Doylestown, Trevose, Warminster, and West Chester counties in Pennsylvania. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.Show more

Net Interest Income$138M+12.5%
Total Revenue$247M+7.6%
Net Income$44M+3.3%
Return on Equity10.24%-5.5%
Net Interest Margin3.48%+7.4%
Efficiency Ratio31.99%-0.2%
ROA1.13%-1.3%
Equity / Assets11.21%+3.5%
Book Value per Share17.67+9.2%
Tangible BV/Share15.63+10.9%
Debt/Equity0.61-9.7%

Technical→

FRBA Key Insights

First Bank (FRBA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.6%
✓Efficient operations: 32.0% efficiency ratio
✓Well capitalized: 11.2% equity/assets
✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

FRBA Price & Volume

First Bank (FRBA) stock price & volume — 10-year historical chart

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FRBA Growth Metrics

First Bank (FRBA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years22.51%

5 Years20.9%

3 Years29.98%

TTM-

Profit CAGR

10 Years27.36%

5 Years17.55%

3 Years6.36%

TTM3.35%

EPS CAGR

10 Years15.55%

5 Years12.4%

3 Years-1.85%

TTM4.19%

Return on Capital

10 Years7.51%

5 Years8.65%

3 Years6.98%

Last Year7.79%

FRBA Recent Earnings

First Bank (FRBA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 7/12 qtrs (58%)●Beat Revenue 9/12 qtrs (75%)

Q2 2026Latest

Apr 27, 2026

EPS

$0.30

Est $0.47

-36.2%

Revenue

$36M

Est $37M

-1.6%

Q1 2026

Jan 26, 2026

EPS

$0.49

Est $0.49

+0.0%

Revenue

$38M

Est $37M

+2.8%

Q4 2025

Oct 22, 2025

EPS

$0.47

Est $0.46

+2.2%

Revenue

$38M

Est $37M

+3.3%

Q3 2025

Jul 22, 2025

EPS

$0.41

Est $0.43

-4.7%

Revenue

$37M

Est $36M

+3.2%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 27, 2026	$0.30vs $0.47-36.2%	$36Mvs $37M-1.6%
Q1 2026	Jan 26, 2026	$0.49vs $0.49+0.0%	$38Mvs $37M+2.8%
Q4 2025	Oct 22, 2025	$0.47vs $0.46+2.2%	$38Mvs $37M+3.3%
Q3 2025	Jul 22, 2025	$0.41vs $0.43-4.7%	$37Mvs $36M+3.2%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Return on Equity (ROE)	Debt / Equity
NBTBNBT Bancorp Inc.Direct Competitor	2.35B	45.07	13.53	10.36%	9.51%	0.17
CHMGChemung Financial CorporationDirect Competitor	331.34M	68.90	22.01	-6.46%	6.27%	0.02
FUNCFirst United CorporationDirect Competitor	248.05M	38.18	12.12	16.94%	12.52%	1.05
MNSBMainStreet Bancshares, Inc.Direct Competitor	176.24M	23.51	13.36	-1.44%	7.26%	0.32
CZWICitizens Community Bancorp, Inc.Direct Competitor	202.97M	21.08	14.44	-9.41%	7.81%	0.28
BWFGBankwell Financial Group, Inc.Direct Competitor	415.48M	52.11	11.71	6.13%	12.21%	0.60
OCFCOceanFirst Financial Corp.Product Competitor	1.08B	18.88	16.14	-4.7%	4.26%	0.98
NFBKNorthfield Bancorp, Inc.Product Competitor	588.27M	14.07	19.54	13.88%	5.48%	1.08

Compare FRBA vs Peers

First Bank (FRBA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for FRBA.

Scale Benchmark

vs ICE

Larger-name benchmark to compare FRBA against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CHMG, FUNC, MNSB

FRBA Income Statement

First Bank (FRBA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	39.66M	54.94M	58.37M	69.55M	81.89M	92.37M	104.52M	122.55M	137.82M
NII Growth %	37.23%	38.53%	6.23%	19.17%	17.74%	12.8%	13.15%	17.25%	12.47%
Net Interest Margin %	2.73%	3.21%	2.9%	2.96%	3.24%	3.38%	2.9%	3.24%	3.48%
Interest Income	51.2M	72.74M	84.17M	89.2M	91.11M	107.26M	174.02M	222.13M	236.45M
Interest Expense	11.54M	17.79M	25.8M	19.65M	9.22M	14.89M	69.5M	99.58M	98.63M
Loan Loss Provision	2.67M	3.45M	3.98M	9.54M	-232K	2.87M	7.94M	1.18M	11.89M
Non-Interest Income	2.12M	3.45M	4M	6.35M	7.75M	5.12M	-715K	7.31M	10.33M
Non-Interest Income %	3.97%	4.53%	4.53%	6.65%	7.84%	4.56%	-0.41%	3.19%	4.18%
Total Revenue	53.31M▲ 0%	76.19M▲ 42.9%	88.17M▲ 15.7%	95.55M▲ 8.4%	98.87M▲ 3.5%	112.38M▲ 13.7%	173.3M▲ 54.2%	229.44M▲ 32.4%	246.78M▲ 7.6%
Revenue Growth %	33.43%	42.91%	15.72%	8.38%	3.47%	13.67%	54.21%	32.39%	7.56%
Non-Interest Expense	24.68M	33.31M	39.36M	40.39M	43.15M	46.73M	68.7M	73.53M	78.95M
Efficiency Ratio	46.3%	43.72%	44.65%	42.27%	43.65%	41.58%	39.64%	32.05%	31.99%
Operating Income	14.42M▲ 0%	21.64M▲ 50.0%	19.01M▼ 12.1%	25.98M▲ 36.6%	46.72M▲ 79.9%	47.89M▲ 2.5%	27.16M▼ 43.3%	55.15M▲ 103.1%	57.3M▲ 3.9%
Operating Margin %	27.05%	28.4%	21.57%	27.19%	47.26%	42.61%	15.67%	24.04%	23.22%
Operating Income Growth %	51.73%	50.03%	-12.12%	36.64%	79.85%	2.49%	-43.29%	103.05%	3.92%
Pretax Income	14.42M▲ 0%	21.64M▲ 50.0%	19.01M▼ 12.1%	25.98M▲ 36.6%	46.72M▲ 79.9%	47.89M▲ 2.5%	27.16M▼ 43.3%	55.15M▲ 103.1%	57.3M▲ 3.9%
Pretax Margin %	27.05%	28.4%	21.57%	27.19%	47.26%	42.61%	15.67%	24.04%	23.22%
Income Tax	7.43M	4.05M	5.57M	6.53M	11.29M	11.6M	6.26M	12.9M	13.64M
Effective Tax Rate %	51.5%	18.7%	29.29%	25.14%	24.17%	24.23%	23.05%	23.39%	23.81%
Net Income	6.99M▲ 0%	17.59M▲ 151.5%	13.45M▼ 23.6%	19.45M▲ 44.6%	35.43M▲ 82.2%	36.29M▲ 2.4%	20.9M▼ 42.4%	42.24M▲ 102.2%	43.66M▲ 3.3%
Net Margin %	13.12%	23.09%	15.25%	20.35%	35.83%	32.29%	12.06%	18.41%	17.69%
Net Income Growth %	9.16%	151.52%	-23.56%	44.65%	82.17%	2.42%	-42.41%	102.15%	3.35%
Net Income (Continuing)	6.99M	17.59M	13.45M	19.45M	35.43M	36.29M	20.9M	42.24M	43.66M
EPS (Diluted)	0.48▲ 0%	0.95▲ 97.9%	0.69▼ 27.4%	0.97▲ 40.6%	1.79▲ 84.5%	1.84▲ 2.8%	0.95▼ 48.4%	1.67▲ 75.8%	1.74▲ 4.2%
EPS Growth %	-21.31%	97.92%	-27.37%	40.58%	84.54%	2.79%	-48.37%	75.79%	4.19%
EPS (Basic)	0.49	0.97	0.70	0.98	1.81	1.86	0.95	1.68	1.75
Diluted Shares Outstanding	14.58M	18.57M	19.39M	20M	19.82M	19.72M	22.07M	25.28M	25.1M

FRBA Balance Sheet

First Bank (FRBA) balance sheet — assets, liabilities & shareholders' equity

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	109.88M	87.61M	95.34M	161.57M	250.36M	212.59M	309.32M	326.07M	399.66M
Cash & Due from Banks	47.49M	36.35M	47.88M	99.84M	155.78M	113.63M	215.18M	258.39M	302.19M
Short Term Investments	62.39M	51.26M	47.46M	61.73M	94.58M	98.96M	94.14M	67.68M	97.48M
Total Investments	1.34B	1.55B	1.81B	2.13B	2.24B	2.47B	3.13B	3.24B	3.41B
Investments Growth %	34.49%	16.27%	16.22%	17.86%	5.38%	9.94%	26.84%	3.69%	5.13%
Long-Term Investments	1.27B	1.5B	1.76B	2.07B	2.15B	2.37B	3.03B	3.18B	3.31B
Accounts Receivables	3.83M	4.26M	4.81M	6.81M	5.68M	8.16M	14.76M	14.27M	14.38M
Goodwill & Intangibles	11.41M	17.55M	18.34M	18M	19.97M	19.41M	54.98M	52.99M	51.29M
Goodwill	10.5M	16.07M	16.25M	16.25M	17.83M	17.83M	44.17M	44.17M	44.17M
Intangible Assets	917K	1.48M	2.08M	1.75M	2.15M	1.58M	10.81M	8.83M	7.12M
PP&E (Net)	5.88M	11M	11.88M	10.74M	9.88M	10.55M	21.63M	21.35M	18.37M
Other Assets	41.05M	77.12M	111.49M	70.07M	77.47M	101.18M	142.87M	163.31M	507.96M
Total Current Assets	113.71M	91.87M	100.15M	168.38M	256.04M	220.75M	324.08M	340.33M	44.3M
Total Non-Current Assets	1.34B	1.62B	1.91B	2.18B	2.27B	2.51B	3.29B	3.44B	3.91B
Total Assets	1.45B▲ 0%	1.71B▲ 17.8%	2.01B▲ 17.6%	2.35B▲ 16.6%	2.52B▲ 7.6%	2.73B▲ 8.3%	3.61B▲ 32.1%	3.78B▲ 4.7%	3.96B▲ 4.7%
Asset Growth %	35.31%	17.82%	17.56%	16.64%	7.56%	8.29%	32.07%	4.74%	4.7%
Return on Assets (ROA)	0.55%	1.11%	0.72%	0.89%	1.46%	1.38%	0.66%	1.14%	1.13%
Accounts Payable	988K	1.04M	1.08M	561K	399K	1.22M	2.81M	3.82M	4.76M
Total Debt	116.61M	115.21M	127.44M	190.64M	124.9M	120.66M	234.4M	276.89M	271.06M
Net Debt	69.12M	78.85M	79.56M	90.8M	-30.87M	7.03M	19.22M	18.5M	-31.13M
Long-Term Debt	116.61M	115.21M	127.44M	190.64M	124.9M	120.66M	234.4M	276.89M	271.06M
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	3.39M	6.87M	15.81M	13.34M	17.18M	27.55M	33.64M	34.59M	3.24B
Total Current Liabilities	1.17B	1.39B	1.64B	1.9B	2.12B	2.3B	2.97B	3.06B	3.21B
Total Non-Current Liabilities	120M	122.07M	143.25M	203.98M	142.08M	148.21M	268.05M	311.47M	3.51B
Total Liabilities	1.29B	1.52B	1.79B	2.11B	2.26B	2.44B	3.24B	3.37B	3.51B
Total Equity	163.25M▲ 0%	194.84M▲ 19.3%	226.39M▲ 16.2%	238.11M▲ 5.2%	266.67M▲ 12.0%	289.56M▲ 8.6%	370.9M▲ 28.1%	409.16M▲ 10.3%	443.5M▲ 8.4%
Equity Growth %	83.83%	19.35%	16.2%	5.17%	11.99%	8.59%	28.09%	10.31%	8.39%
Equity / Assets (Capital Ratio)	11.24%	11.39%	11.25%	10.15%	10.57%	10.6%	10.28%	10.82%	11.21%
Return on Equity (ROE)	5.55%	9.82%	6.38%	8.37%	14.04%	13.05%	6.33%	10.83%	10.24%
Book Value per Share	11.20	10.49	11.67	11.90	13.46	14.69	16.80	16.18	17.67
Tangible BV per Share	10.42	9.55	10.73	11.00	12.45	13.70	14.31	14.09	15.63
Common Stock	87M	93.13M	101.89M	103.14M	103.7M	104.51M	134.55M	135.5M	136.79M
Additional Paid-in Capital	57.02M	67.42M	78.11M	78.89M	79.56M	80.69M	122.88M	124.52M	126.33M
Retained Earnings	19.73M	35.22M	46.37M	63.43M	95.92M	127.53M	140.56M	176.78M	214.46M
Accumulated OCI	-494K	-935K	27K	839K	-206K	-7.33M	-5.72M	-4.92M	-2.88M
Treasury Stock	0	0	0	-8.18M	-12.32M	-15.84M	-21.38M	-22.72M	-31.2M
Preferred Stock	0	0	0	0	0	0	0	0	0

FRBA Cash Flow Statement

First Bank (FRBA) cash flow — operating, investing & free cash flow history

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	16.53M	36.92M	16.05M	24.51M	28.04M	36.88M	143.84M	27.63M	65.56M
Operating CF Growth %	80.47%	123.34%	-56.52%	52.67%	14.42%	31.52%	290.01%	-80.79%	137.33%
Net Income	6.99M	17.59M	13.45M	19.45M	35.43M	36.29M	20.9M	42.24M	43.66M
Depreciation & Amortization	714K	1.4M	1.69M	1.91M	1.58M	1.56M	2.85M	4.32M	0
Deferred Taxes	0	0	1.83M	-1.27M	659K	358K	318K	5.27M	0
Other Non-Cash Items	6.87M	17.21M	183K	5.23M	-14.37M	-3.41M	125.44M	-14.3M	6.8M
Working Capital Changes	1.52M	-71K	-2.02M	-1.84M	3.74M	869K	-7.29M	-11.96M	15.11M
Cash from Investing	-167.88M	-140.67M	-76.42M	-327.18M	7.04M	-233.07M	20.33M	-107.2M	-155.11M
Purchase of Investments	-25.83M	-5.15M	-10.89M	-42.18M	-75.87M	-53.78M	-63.47M	-53.34M	0
Sale/Maturity of Investments	10.54M	37.84M	23.62M	37.39M	36.55M	20.42M	132.27M	46.83M	0
Net Investment Activity	-15.29M	32.69M	12.74M	-4.79M	-39.32M	-33.37M	68.79M	-6.51M	0
Acquisitions	11.76M	8.04M	30.78M	0	86.49M	0	-16.25M	0	0
Other Investing	-163.91M	-179.61M	-118.91M	-322.04M	-39.95M	-197.8M	-29.1M	-97.78M	-155.11M
Cash from Financing	164.44M	115.8M	86.73M	316.36M	23.95M	167.6M	-62.13M	123.53M	126.85M
Dividends Paid	-1.11M	-2.2M	-2.3M	-2.38M	-2.94M	-4.68M	-5.32M	-6.03M	-5.98M
Share Repurchases	0	0	-113K	-8.18M	-4.13M	-3.52M	-5.54M	-1.34M	-8.49M
Stock Issued	37.48M	743K	113K	0	0	0	0	0	1.05M
Net Stock Activity	37.48M	743K	0	-8.18M	-4.13M	-3.52M	-5.54M	-1.34M	-7.44M
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K	-1000K
Other Financing	117.76M	118.72M	76.91M	263.82M	110.33M	180.16M	1.3M	88.05M	146.16M
Net Change in Cash	13.09M▲ 0%	12.05M▼ 7.9%	26.36M▲ 118.7%	13.68M▼ 48.1%	59.03M▲ 331.5%	-28.59M▼ 148.4%	102.03M▲ 456.9%	43.96M▼ 56.9%	37.31M▼ 15.1%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	30.29M	43.38M	55.43M	81.79M	95.47M	154.51M	125.92M	227.95M	271.91M
Cash at End	43.38M	55.43M	81.79M	95.47M	154.51M	125.92M	227.95M	271.91M	309.22M
Interest Paid	11.18M	17.77M	25.88M	20.14M	9.36M	11.04M	69.5M	97.64M	97.32M
Income Taxes Paid	5.58M	4.18M	3.86M	6.71M	11.55M	10.72M	7.83M	4.7M	6.24M
Free Cash Flow	16.1M▲ 0%	35.13M▲ 118.1%	15.03M▼ 57.2%	24.15M▲ 60.7%	27.85M▲ 15.3%	34.97M▲ 25.6%	140.72M▲ 302.4%	24.72M▼ 82.4%	62.66M▲ 153.5%
FCF Growth %	85.07%	118.15%	-57.22%	60.7%	15.33%	25.57%	302.37%	-82.44%	153.51%

FRBA Banking Ratios

First Bank (FRBA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	8.13%	5.55%	9.82%	6.38%	8.37%	14.04%	13.05%	6.33%	10.83%	10.24%
Return on Assets (ROA)	0.66%	0.55%	1.11%	0.72%	0.89%	1.46%	1.38%	0.66%	1.14%	1.13%
Net Interest Margin	2.69%	2.73%	3.21%	2.9%	2.96%	3.24%	3.38%	2.9%	3.24%	3.48%
Efficiency Ratio	45.88%	46.3%	43.72%	44.65%	42.27%	43.65%	41.58%	39.64%	32.05%	31.99%
Equity / Assets	8.27%	11.24%	11.39%	11.25%	10.15%	10.57%	10.6%	10.28%	10.82%	11.21%
Book Value / Share	8.39	11.2	10.49	11.67	11.9	13.46	14.69	16.8	16.18	17.67
NII Growth	21.32%	37.23%	38.53%	6.23%	19.17%	17.74%	12.8%	13.15%	17.25%	12.47%
Dividend Payout	-	15.82%	12.51%	17.11%	12.26%	8.29%	12.89%	25.46%	14.27%	13.7%

FRBA Frequently Asked Questions

First Bank (FRBA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Bank (FRBA) grew revenue by 7.6% over the past year. This is steady growth.

Yes, First Bank (FRBA) is profitable, generating $43.7M in net income for fiscal year 2025 (17.7% net margin).

Dividend & Returns

Yes, First Bank (FRBA) pays a dividend with a yield of 1.55%. This makes it attractive for income-focused investors.

First Bank (FRBA) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.

Industry Metrics

First Bank (FRBA) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

First Bank (FRBA) has an efficiency ratio of 32.0%. This is excellent, indicating strong cost control.

Explore More FRBA

First Bank (FRBA) financial analysis — history, returns, DCA and operating performance tools

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Historical returns with dividends reinvested

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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First Bank(FRBA)Earnings, Financials & Key Ratios

FRBA Key Insights

✓Strengths

✗Weaknesses

FRBA Price & Volume

FRBA Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FRBA Recent Earnings

FRBA Peer Comparison

Compare FRBA vs Peers

vs NBTB

vs ICE

Compare Top 5

FRBA Income Statement

FRBA Balance Sheet

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