First Bank (FRBA) Earnings History
Annual and quarterly earnings data from 2012 to 2025
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FRBA EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FRBA Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 55.2% | 23.2% | 17.7% |
| 2024 | 56.1% | 24.0% | 18.4% |
| 2023 | 55.3% | 15.7% | 12.1% |
| 2022 | 84.2% | 42.6% | 32.3% |
| 2021 | 90.9% | 47.3% | 35.8% |
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First Bank (FRBA) Earnings Overview
As of May 8, 2026, First Bank (FRBA) reported trailing twelve-month net income of $44M, reflecting +4.2% year-over-year growth. The company earned $1.75 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 ($169M net income, 19.5% margin), CHMG ($15M net income, 10.8% margin), FUNC ($25M net income, 18.4% 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% |
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Start ComparisonFRBA — Frequently Asked Questions
Quick answers to the most common questions about buying FRBA stock.
Is FRBA growing earnings?
FRBA EPS of $1.75 reflects slowing growth at +4.2%, below the 5-year CAGR of +12.4%. TTM net income is $44M. Expansion rate has moderated.
What are FRBA's profit margins?
First Bank net margin is +17.7%, with operating margin at +23.2%. Above-average margins indicate pricing power.
How consistent are FRBA's earnings?
FRBA earnings data spans 2012-2025. The current earnings trend is +4.2% YoY. Historical data enables comparison across business cycles.