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Company Analysis

First Bank FRBA

A comprehensive view of key metrics, scores, and financial health for First Bank

Overview of First Bank

FRBA NGM
Financial Services Banks - Regional Small Cap
First Bank (FRBA), is a Small Cap company, in the Banks - Regional industry, last closed at $15.02, about 18.5% undervalued vs fair value, +4.5% 1Y return, ranked 689/1037 in sector.
Metrics Rev Growth 90.0% ROE 10.2% Gross Margin 55.2%
$15.02
-2.53%
As of April 29, 2026
Previous close • Vol 90d: 26.4%
52-Week Range
Market Cap
$382.28M
Enterprise Value
$341.86M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.myfirstbank.com
HQ Hamilton, NJ
Employees 334
Fiscal year Dec 31

Next Events

Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $15.02 +19% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$222.1M
27.6%%
Interest Expense
$98.6M
Net Interest Income
$122.5M
17.3%%
Total Revenue
$246.8M
90%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.4M
17.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Bank's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
48
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FRBA's balance between Growth (43.0%), Profitability (30.5%), and Safety (26.5%). Growth 43% Safety 27% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

75th percentile vs peers
76
Key Signals
NII Growth YoY 17.2% 90p Asset Growth YoY 4.7% 55p EPS Growth YoY 76.5% 89p Equity Growth YoY 10.3% 70p
Strengths
  • NII Growth YoY in top 20% of peers (17.2%, 90th percentile)
  • EPS Growth YoY in top 20% of peers (76.5%, 89th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

53th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Bank.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.80
- - -
+18.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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