Zacks Investment Research·Jun 18, 2026
Do Options Traders Know Something About First Bank Stock We Don't?Investors need to pay close attention to FRBA stock based on the movements in the options market lately.
First Bank(FRBA)Earnings, Financials & Key Ratios
FRBA•NASDAQ•Banking & Credit
$17.09
9.8× P/E·Price updated Jun 25, 2026
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%
FRBA Price & Volume
First Bank (FRBA) stock price & volume — 10-year historical chart
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Margin Compression and Credit Provisions Weigh Outlook
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:CRE portfolio credit deterioration
Key Thesis Takeaways
- First Bank faces a challenging transition period as it navigates post-acquisition integration friction and mounting credit risks within its commercial real estate portfolio.
- While the bank maintains a stable capital base, the stagnation of total assets at $4.0 billion and a deteriorating efficiency ratio of 36.0% suggest that organic growth remains elusive.
- Investors should monitor whether the recent surge in loan loss provisions to $5.6 million in 2026Q1 represents a peak in credit cycle stress or a sustained trend of asset quality degradation.
Verdict Logic
the combination of a 36.0% efficiency ratio and a significant increase in quarterly loan loss provisions to $5.6 million suggests that the bank's profitability is under substantial cyclical pressure.
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%
TTM7.19%
EPS CAGR
10 Years15.55%
5 Years12.4%
3 Years-1.85%
TTM8.44%
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
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.30-36.2%
$0.47
Rev
$36M-1.6%
$37M
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.49+0.0%
$0.49
Rev
$38M+2.8%
$37M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.47+2.2%
$0.46
Rev
$38M+3.3%
$37M
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.41-4.7%
$0.43
Rev
$37M+3.2%
$36M
| 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 →
Latest FRBA News
Recent stock market news and headlines for First Bank (FRBA)
Peers Comparison
Key metrics vs top competitors for First Bank (FRBA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.09 | $429.55M | 9.82 | 7.56% | 17.69% | 10.24% | 1.39% | |
| $49.26 | $2.56B | 14.79 | 10.36% | 19.66% | 9.83% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $43.30 | $279.11M | 11.48 | 6.6% | 20.89% | 12.7% | — | |
| $24.29 | $172.88M | 13.80 | -1.44% | 12.96% | 7.98% | — | |
| $22.82 | $220.08M | 15.63 | -9.41% | 16.49% | 8% | — |
Compare FRBA vs Peers
First Bank (FRBA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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FRBA Frequently Asked Questions
First Bank (FRBA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Bank growing?
First Bank (FRBA) grew revenue by 7.6% over the past year. This is steady growth.
Is FRBA profitable?
Yes, First Bank (FRBA) is profitable, generating $41.9M in net income for fiscal year 2025 (17.7% net margin).
Dividend & Returns
Does FRBA pay dividends?
Yes, First Bank (FRBA) pays a dividend with a yield of 1.39%. This makes it attractive for income-focused investors.
What is FRBA's return on equity?
First Bank (FRBA) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.
Industry Metrics
What is First Bank's net interest margin?
First Bank (FRBA) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
What is First Bank's efficiency ratio?
First Bank (FRBA) has an efficiency ratio of 32.0%. This is excellent, indicating strong cost control.