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FRBA stock logo

FRBA

First Bank

$16.18
0.11
 (0.68%)
Exchange:  NASDAQ
Market Cap:  406.675M
Shares Outstanding:  4.108M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Patrick L. Ryan
Full Time Employees:  315
Address: 
2465 Kuser Road
Hamilton
NJ
8690
US
Website:  https://www.firstbanknj.com
First 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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/27 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue173,302229,435246,776
Gross Profit95,858128,676136,259
EBITDA30,00759,46757,304
Operating Income27,15855,14557,304
Net Income20,89742,24443,659

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,609,3273,780,3463,958,036
Total Liabilities3,238,4273,371,1903,514,534
Total Stockholders Equity370,900409,156443,502
Total Debt234,401276,887271,056
Cash and Cash Equivalents215,177258,387302,187

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Cash Flow Statement

Year202320242025
Operating Cash Flow143,83727,62665,563.999
Capital Expenditure-3,117-2,909-2,903.999
Free Cash Flow140,72024,71762,660
Net Income20,89742,24443,659
Net Change in Cash102,03543,96337,306

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)160,673.424Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)162,998.927Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)161,823Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)51,193.001Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)51,933.941Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)51,559.273Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)51,370.952Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)52,373.422Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)51,872.187Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)37,611.319Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)38,155.686Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)37,880.418Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.070Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.090Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.050Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
228.417M  ?P/S
 (TTM)
: 
1.73
?Net Income
 (TTM)
: 
42.244M  ?P/E
 (TTM)
: 
9.67
?Enterprise Value
 (TTM)
: 
396.656M  ?EV/FCF
 (TTM)
: 
6.33
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.14
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.06
?Net Debt
 (TTM)
: 
254.257M  ?Debt/Equity
 (TTM)
: 
0.61
?P/B
 (TTM)
: 
0.95  ?Current Ratio
 (TTM)
: 
0.01

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.34Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FRBA intrinsic value between $14.38 – $15.46 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FRBA Intrinsic Value

Common questions about FRBA valuation

Is First Bank (FRBA) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Bank (FRBA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FRBA a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FRBA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FRBA’s P/E ratio?

You can see FRBA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FRBA?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FRBA a good long-term investment?

Whether FRBA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FRBA

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.68
MARKETSnap

Trading Metrics:

Open: 15.96   Previous Close: 16.07
Day Low: 15.86   Day High: 16.19
Year Low: 12.74   Year High: 18.11
Price Avg 50: 16.29   Price Avg 200: 16.07
Volume: 40661   Average Volume: 66096

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See in Nexus

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