First Bank Financials

FRBA Stock  USD 16.77  0.13  0.77%   
First Bank may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, First Bank's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 494.1 M, whereas Other Liabilities is forecasted to decline to about 5.3 M.
 
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First Bank Balance Sheet Chart

At present, First Bank's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 494.1 M, whereas Other Liabilities is forecasted to decline to about 5.3 M.
Key indicators impacting First Bank's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.160.1769
Moderately Down
Pretty Stable
Return On Assets0.00660.011
Way Down
Slightly volatile
Return On Equity0.06430.0984
Way Down
Slightly volatile
Debt Equity Ratio0.460.6112
Way Down
Slightly volatile
Operating Income66.6 M63.4 M
Sufficiently Up
Slightly volatile
Current Ratio0.260.2737
Notably Down
Slightly volatile
The financial analysis of First Bank is a critical element in measuring its lifeblood. Investors should not minimize First Bank's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

51.01 Million

  
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Understanding current and past First Bank Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Bank's financial statements are interrelated, with each one affecting the others. For example, an increase in First Bank's assets may result in an increase in income on the income statement.
Please note, the presentation of First Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, First Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of First Bank's management manipulating its earnings.

First Bank Stock Summary

First Bank competes with Sierra Bancorp, Bank7 Corp, Kearny Financial, Carter Bank, and Greene County. First Bank provides various banking products and services to individuals, businesses, and governmental entities. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey. First Bank operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 225 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS31931U1025
Business Address2465 Kuser Road,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.myfirstbank.com
Phone(877) 821 2265
CurrencyUSD - US Dollar

First Bank Key Financial Ratios

First Bank Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets2.5B2.7B3.6B3.8B4.3B4.6B
Other Liab7.2M5.3M17.2M6.7M7.7M5.3M
Accounts Payable399K1.2M2.8M3.8M3.4M3.3M
Cash155.8M113.6M215.2M258.4M297.1M312.0M
Other Assets2.1B2.3B(731K)(68.4M)(78.7M)(74.8M)
Long Term Debt111.5M120.7M234.4M276.9M318.4M334.3M
Inventory(107.2M)(163.1M)(135.4M)24.7M22.2M23.3M
Total Liab2.3B2.4B3.2B3.4B3.9B4.1B
Common Stock103.7M104.5M134.6M135.5M155.8M86.4M
Net Debt(30.9M)7.0M19.2M18.5M21.3M30.2M
Retained Earnings95.9M127.5M140.6M176.8M203.3M213.5M
Total Current Assets256.0M220.7M324.1M340.3M391.4M287.1M
Other Current Liab2.1B2.3B3.0B3.1B3.5B3.7B
Net Tangible Assets208.1M220.1M246.7M270.2M310.7M182.8M
Other Current Assets107.2M163.1M135.4M243.7M219.3M398.2M
Intangible Assets2.1M1.6M10.8M8.8M10.2M10.7M
Net Receivables5.7M8.2M14.8M14.3M16.4M17.2M

First Bank Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense9.2M14.9M69.5M99.6M114.5M120.2M
Total Revenue98.9M112.4M173.3M229.4M263.9M277.0M
Gross Profit89.9M94.6M95.9M128.7M148.0M155.4M
Operating Income46.7M47.9M27.2M55.1M63.4M66.6M
Cost Of Revenue9.0M17.8M77.4M100.8M115.9M121.7M
Income Before Tax46.7M47.9M27.2M55.1M63.4M66.6M
Net Income35.4M36.3M20.9M42.2M48.6M51.0M
Ebit46.7M47.9M27.2M55.1M63.4M66.6M
Ebitda48.3M49.4M30.0M59.5M68.4M71.8M
Income Tax Expense11.3M11.6M6.3M12.9M14.8M15.6M
Tax Provision11.3M11.6M7.2M12.9M14.8M7.8M
Net Interest Income81.9M92.4M97.3M122.5M140.9M73.6M
Interest Income91.1M107.3M152.4M222.1M255.4M268.2M

First Bank Key Cash Accounts

202120222023202420252026 (projected)
Capital Expenditures189K1.9M3.1M2.9M3.3M3.5M
Net Income35.4M36.3M20.9M42.2M48.6M51.0M
End Period Cash Flow154.5M125.9M228.0M271.9M312.7M328.3M
Change In Cash59.0M(28.6M)102.0M44.0M50.6M53.1M
Free Cash Flow27.9M35.0M140.7M24.7M28.4M29.7M
Depreciation1.6M1.6M2.8M4.3M5.0M5.2M
Other Non Cash Items(12.8M)(3.4M)125.4M(14.3M)(16.4M)(15.6M)
Investments7.0M(233.1M)(20.3M)(107.2M)(96.5M)(101.3M)
Net Borrowings(79.3M)(4.3M)(52.6M)42.9M38.6M40.5M
Dividends Paid2.9M4.7M5.3M6.0M6.9M7.3M
Change To Netincome7.6M4.9M(11.2M)(1.9M)(1.7M)(1.7M)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Bank's current stock value. Our valuation model uses many indicators to compare First Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Bank competition to find correlations between indicators driving First Bank's intrinsic value. More Info.
First Bank is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Bank is roughly  9.37 . At present, First Bank's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Bank's earnings, one of the primary drivers of an investment's value.
Most indicators from First Bank's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Bank current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Bank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For information on how to trade First Stock refer to our How to Trade First Stock guide.At present, First Bank's Selling General Administrative is projected to increase significantly based on the last few years of reporting. The current year's Enterprise Value Over EBITDA is expected to grow to 12.27, whereas Tax Provision is forecasted to decline to about 7.8 M.
 2023 2024 2025 2026 (projected)
Gross Profit95.9M128.7M148.0M155.4M
Total Revenue173.3M229.4M263.9M277.0M

First Bank fundamental ratios Correlations

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1.00.61-0.60.95-0.090.970.76-0.051.00.880.910.990.980.280.980.990.620.970.890.210.940.170.750.960.99
0.60.61-0.550.510.440.480.79-0.60.60.70.560.640.510.110.540.620.570.60.730.060.650.090.510.480.64
-0.61-0.6-0.55-0.48-0.34-0.61-0.730.25-0.61-0.65-0.62-0.61-0.54-0.53-0.53-0.54-0.46-0.6-0.670.47-0.63-0.5-0.61-0.65-0.61
0.960.950.51-0.48-0.310.940.660.10.960.770.780.930.950.060.980.930.480.980.770.220.830.220.740.940.93
-0.09-0.090.44-0.34-0.31-0.170.36-0.8-0.090.160.12-0.04-0.230.46-0.2-0.060.4-0.170.2-0.140.120.02-0.05-0.17-0.04
0.970.970.48-0.610.94-0.170.660.090.970.850.880.950.970.390.940.950.580.940.850.180.920.220.740.990.95
0.770.760.79-0.730.660.360.66-0.430.780.850.710.790.660.230.730.760.660.780.830.030.770.310.810.670.79
-0.05-0.05-0.60.250.1-0.80.09-0.43-0.05-0.18-0.25-0.110.11-0.07-0.01-0.09-0.21-0.02-0.230.13-0.110.12-0.010.09-0.11
1.01.00.6-0.610.96-0.090.970.78-0.050.880.90.990.980.270.980.980.630.980.880.20.940.220.780.970.98
0.880.880.7-0.650.770.160.850.85-0.180.880.860.890.850.440.810.890.730.830.990.280.930.190.80.840.89
0.910.910.56-0.620.780.120.880.71-0.250.90.860.920.890.470.850.920.610.820.880.150.90.060.630.860.92
0.990.990.64-0.610.93-0.040.950.79-0.110.990.890.920.960.270.960.990.580.960.890.170.930.080.720.941.0
0.980.980.51-0.540.95-0.230.970.660.110.980.850.890.960.270.960.970.560.940.840.220.910.150.730.960.96
0.270.280.11-0.530.060.460.390.23-0.070.270.440.470.270.270.110.280.560.120.45-0.010.50.170.210.380.27
0.980.980.54-0.530.98-0.20.940.73-0.010.980.810.850.960.960.110.960.520.980.820.20.870.190.740.930.96
0.990.990.62-0.540.93-0.060.950.76-0.090.980.890.920.990.970.280.960.620.950.890.270.950.060.710.940.99
0.630.620.57-0.460.480.40.580.66-0.210.630.730.610.580.560.560.520.620.550.750.430.780.390.610.60.58
0.980.970.6-0.60.98-0.170.940.78-0.020.980.830.820.960.940.120.980.950.550.820.150.880.270.80.950.96
0.880.890.73-0.670.770.20.850.83-0.230.880.990.880.890.840.450.820.890.750.820.240.920.20.770.840.89
0.210.210.060.470.22-0.140.180.030.130.20.280.150.170.22-0.010.20.270.430.150.240.3-0.180.190.150.17
0.940.940.65-0.630.830.120.920.77-0.110.940.930.90.930.910.50.870.950.780.880.920.30.20.730.910.93
0.220.170.09-0.50.220.020.220.310.120.220.190.060.080.150.170.190.060.390.270.2-0.180.20.570.310.08
0.780.750.51-0.610.74-0.050.740.81-0.010.780.80.630.720.730.210.740.710.610.80.770.190.730.570.770.72
0.970.960.48-0.650.94-0.170.990.670.090.970.840.860.940.960.380.930.940.60.950.840.150.910.310.770.94
0.990.990.64-0.610.93-0.040.950.79-0.110.980.890.921.00.960.270.960.990.580.960.890.170.930.080.720.94
Click cells to compare fundamentals

First Bank Account Relationship Matchups

First Bank fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets2.5B2.7B3.6B3.8B4.3B4.6B
Other Liab7.2M5.3M17.2M6.7M7.7M5.3M
Accounts Payable399K1.2M2.8M3.8M3.4M3.3M
Cash155.8M113.6M215.2M258.4M297.1M312.0M
Other Assets2.1B2.3B(731K)(68.4M)(78.7M)(74.8M)
Long Term Debt111.5M120.7M234.4M276.9M318.4M334.3M
Inventory(107.2M)(163.1M)(135.4M)24.7M22.2M23.3M
Total Liab2.3B2.4B3.2B3.4B3.9B4.1B
Common Stock103.7M104.5M134.6M135.5M155.8M86.4M
Net Debt(30.9M)7.0M19.2M18.5M21.3M30.2M
Retained Earnings95.9M127.5M140.6M176.8M203.3M213.5M
Total Current Assets256.0M220.7M324.1M340.3M391.4M287.1M
Other Current Liab2.1B2.3B3.0B3.1B3.5B3.7B
Net Tangible Assets208.1M220.1M246.7M270.2M310.7M182.8M
Other Current Assets107.2M163.1M135.4M243.7M219.3M398.2M
Intangible Assets2.1M1.6M10.8M8.8M10.2M10.7M
Net Receivables5.7M8.2M14.8M14.3M16.4M17.2M
Today, most investors in First Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Bank's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Bank growth as a starting point in their analysis.

Price Earnings To Growth Ratio

2.37

At present, First Bank's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

First Bank January 27, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Bank based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Bank's daily price indicators and compare them against related drivers.

Complementary Tools for First Stock analysis

When running First Bank's price analysis, check to measure First Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Bank is operating at the current time. Most of First Bank's value examination focuses on studying past and present price action to predict the probability of First Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Bank's price. Additionally, you may evaluate how the addition of First Bank to your portfolios can decrease your overall portfolio volatility.
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