First Bank (FRBA) Earnings History
Growth Compounder14 years of earnings data (2012–2025) · Consistent double-digit EPS growth over 5 years
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First Bank (FRBA) Earnings Overview
As of June 30, 2026, First Bank (FRBA) reported trailing twelve-month net income of $42M, reflecting +4.2% year-over-year growth. The company earned $1.66 per diluted share over the past four quarters, with a net profit margin of 17.7%.
Looking at the long-term picture, FRBA's 5-year EPS compound annual growth rate (CAGR) stands at +12.4%, showing solid earnings momentum. The company achieved its highest annual net income of $44M in fiscal 2025, representing a new all-time high.
First Bank maintains industry-leading profitability with a gross margin of 55.2%, operating margin of 23.2%, and net margin of 17.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), CHMG ($18M net income, 10.8% margin), FUNC ($25M net income, 20.6% margin), FRBA has room to improve margins relative to the peer group. Compare FRBA vs NBTB →
FRBA Earnings vs Peers
Earnings metrics vs comparable public companies
FRBA Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $44M | +3.3% | $57M | $1.74 | 17.7% | 23.2% |
| 2024 | $42M | +102.2% | $55M | $1.67 | 18.4% | 24.0% |
| 2023 | $21M | -42.4% | $27M | $0.95 | 12.1% | 15.7% |
| 2022 | $36M | +2.4% | $48M | $1.84 | 32.3% | 42.6% |
| 2021 | $35M | +82.2% | $47M | $1.79 | 35.8% | 47.3% |
| 2020 | $19M | +44.6% | $26M | $0.97 | 20.4% | 27.2% |
| 2019 | $13M | -23.6% | $19M | $0.69 | 15.2% | 21.6% |
| 2018 | $18M | +151.5% | $22M | $0.95 | 23.1% | 28.4% |
| 2017 | $7M | +9.2% | $14M | $0.48 | 13.1% | 27.0% |
| 2016 | $6M | +64.8% | $10M | $0.61 | 16.0% | 23.8% |
| 2015 | $4M | -33.4% | $5M | $0.41 | 12.0% | 15.7% |
| 2014 | $6M | +241.7% | $8M | $0.63 | 27.4% | 37.5% |
| 2013 | $2M | -34.0% | $4M | $0.33 | 14.0% | 28.9% |
| 2012 | $3M | - | $3M | $0.63 | 26.0% | 30.7% |
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FRBA — Frequently Asked Questions
Quick answers to the most common questions about buying FRBA stock.
What is FRBA earnings per share (EPS)?
FRBA trailing twelve-month (TTM) diluted EPS is $1.66, reflecting +4.2% year-over-year growth. The 5-year EPS CAGR is +12.4%. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is First Bank's net income?
First Bank (FRBA) trailing twelve-month net income is $42M as of 2025. Earnings grew +4.2% year-over-year. First Bank has been profitable for 14 consecutive years.
Is FRBA profitable?
Yes, FRBA is profitable with a TTM net income of $42M and a net profit margin of +17.7%. First Bank has generated profits for 14 consecutive years.
What is FRBA's earnings growth rate?
FRBA compound annual EPS growth rates (CAGR): 1-Year: +4.2%, 3-Year: -1.8%, 5-Year: +12.4%, 10-Year: +15.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are FRBA's profit margins?
First Bank net profit margin is +17.7%, operating margin is +23.2%, and gross margin is +55.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.2%.
Is FRBA growing earnings?
FRBA earnings growth is slowing. Current YoY EPS growth of +4.2% trails the 5-year CAGR of +12.4%. TTM net income is $42M.
What was FRBA's best earnings year?
First Bank's highest annual net income on record is $44M, achieved in fiscal year 2025. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were FRBA's earnings last quarter?
FRBA's most recent reported quarter was Q1 2026. Net income was $8M with diluted EPS of $0.30. For a full breakdown of all quarters, see the quarterly earnings table on this page.