First Bank Return On Equity vs. Current Valuation

FRBA Stock

USD 16.53 0.05 0.30%

An analysis of First Bank's profitability data, First Bank is profitable with a net margin of 16.0% and operating margin of 31.0%, reporting net income of 43.66 Million. Return on equity stands at 6.43%. Profitability trends show softening, with margins contracting relative to prior-year levels.

Return On Equity

First Reported

2010-12-31

Previous Quarter

0.0984415

Current Value

0.0984415

Quarterly Volatility

0.02675319

Macro event markers

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

Current Value

Last Year

Change From Last Year

10 Year Trend

Gross Profit Margin

0.77

0.5522

Way Up

Moderate Variation

Net Profit Margin

0.16

0.1769

Significantly Down

High Variability

Operating Profit Margin

0.31

0.2322

Way Up

High Variability

Pretax Profit Margin

0.22

0.2322

Notably Down

High Variability

Return On Assets

0.0066

0.011

Way Down

High Variability

Return On Equity

0.0643

0.0984

Way Down

High Variability

The margin profile at First Bank shows a business with wide profitability buffers, providing resilience against cost increases or demand softness. Gross margin of 77.0% narrows sharply to a net margin of 16.0%, indicating that overhead, financing, or non-operating costs consume a large share of gross profit. Return on equity of 6.43% is amplified by financial leverage relative to return on assets of 0.66%, meaning a significant portion of equity returns comes from the debt structure rather than operating efficiency. Data is sourced from First Bank's most recent financial filings.

First Bank has a market cap of 413.58 M, an operating margin of 45.41% on a trailing twelve-month basis, compared to 31.0% in the last reported annual period. Each holding is sized according to the methodology applied during portfolio construction. Broader economic conditions can influence First Bank's company valuation - related indicators include signals in bureau of labor statistics.

Read more about First Stock in our How to Buy First Stock guide. It covers account setup, order types, and timing considerations for First Bank.Analyst EPS forecasts for First Bank distill multiple research perspectives into a consensus earnings outlook. Net profit margin of 16.0% shows how much of First Bank's top line converts to bottom-line earnings. For First Bank, EPS context improves when viewed through the lens of return on equity and payout ratio. The consensus EPS framework for First Bank is built on earnings figures that exclude non-recurring items. Stock compensation expenses are sometimes included in the EPS consensus.

Macro event markers

Yuan Drop

Covid

Interest Hikes

The next EPS estimate for First Bank is 0.4767, with a scheduled date of 30th of June 2026. Consensus EPS estimates for First Bank are commonly based on EPS before non-recurring items. Analyst estimate convergence for First Bank indicates the degree of agreement on near-term earnings trajectory. Revisions to consensus estimates often cluster around earnings dates, reflecting new information absorbed by analysts.

Quarterly Earnings Growth

20.5%

Dividend Share

0.24

Earnings Share

1.74

Revenue Per Share

5.424

Quarterly Revenue Growth

0.4%

Investors evaluate First Bank using market value and book value, each describing different facets of the business. Analytical frameworks help reconcile those views into a coherent picture.

First Bank's estimated value and market price are complementary but separate measures of worth. First Bank's trading price represents the transaction level agreed by market participants.

First Bank Current Valuation vs. Return On Equity Fundamental Analysis

Return On Equity stood at 6.43% as of December 31, 2025. Related reported metric: Enterprise Value at 358.65 Million as of December 31, 2025.

First Current Valuation vs. Return On Equity

First Bank's Return on Equity of 6.43% suggests limited efficiency in deploying equity capital. This may reflect the capital-intensive nature of the business, competitive pressure compressing margins, or a period of elevated investment that has not yet translated into proportional earnings.

First Bank

Return On Equity

Net Income

Total Equity

0.06

Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account all liquid assets, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.

First Bank

Enterprise Value

Market Cap + Debt

-

Cash

395.38 M

Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.

First Current Valuation vs Competition

First Bank is rated below average in current valuation among leading competitors. After adjusting for long-term liabilities, total market size of Financials industry is currently estimated at about 7.06 Billion. First Bank holds roughly 395.38 Million in current valuation claiming about 6% of equities under Financials sector.

Valuation Workforce Total debt Capitalization Revenue

First Bank Profitability Projections

Profitability analysis for First Bank examines whether the company is generating, sustaining, or losing earnings relative to its revenue base. Comparing First Bank's current margins against the trailing average isolates whether recent results represent improvement or reversion. First Bank currently maintains a profit margin of 16.0%. The gap between First Bank's EPS and free cash flow per share signals how much of reported earnings converts to cash. The operating margin stands at 31.0%. Multi-period margin trends separate structural profitability shifts from single-quarter noise in First Bank's results. Recent net income of 43.7 M reflects the bottom-line result of these profitability dynamics.

	Last Reported	End Of Year Estimate
Accumulated Other Comprehensive Income	-2.9 M	-2.7 M
Operating Income	57.3 M	60.2 M
Income Before Tax	57.3 M	60.2 M
Net Income Applicable To Common Shares	41.7 M	43.8 M
Net Income	43.7 M	45.8 M
Total Other Income Expense Net	-10.8 M	-10.2 M
Income Tax Expense	13.6 M	14.3 M
Net Income From Continuing Ops	43.7 M	23.2 M
Net Interest Income	137.8 M	80.7 M
Interest Income	236.4 M	248.3 M
Change To Netincome	-1.7 M	-1.7 M
Net Income Per Share	1.75	1.84
Income Quality	1.50	1.51
Net Income Per E B T	0.76	0.83

First Profitability Driver Comparison

These profitability driver pairs show how First Bank's key financial metrics interact, highlighting where the earnings structure is strongest and weakest. The stability of these driver relationships depends on how resilient First Bank's revenue mix and cost structure are to external shocks. Investors who understand First Bank's key profit drivers can better assess the sustainability of its earnings.

Earnings History

Quarterly gross profit history for First Bank is shown below using reported financial data.

First Bank Quarterly Gross Profit

35.61 Million

Mean reversion analysis in First Bank's involves identifying price extremes that diverge materially from the historical norm. High prices relative to historical norms contrast with unusually low prices, where recovery expectations may emerge. Mean reversion in First Bank is distinct from trend following, which rides momentum rather than betting on reversals.

Sentiment

Range

Low	Sentiment	High
15.32	16.53	17.74

Details

Intrinsic

Valuation

Low	Intrinsic	High
14.88	42.32	43.53

Details

Naive

Forecast

Low	Next	High
14.72	15.93	17.13

Details

Analyst

Consensus

Low	Target	High
17.14	18.83	20.90

Details

First Bank's financial and valuation profile is evaluated here relative to direct competitors. First Bank's multiples and operating metrics gain context when measured against direct competitors. Growth rates, profitability, and capital efficiency relative to peers frame First Bank's competitive position.

Estimated Months Earnings per Share

This chart shows the estimate series used for upcoming reporting periods.

Detailed Analysis of Earnings Estimates

Latest Earning Estimates and Surprises

The table below lists reported EPS, estimated EPS, and the reported surprise for each available quarter.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
null	null	null	null	null	0
2026-01-26	2025-12-31	0.49	0.49	0.0	0
2025-10-22	2025-09-30	0.46	0.47	0.01	2
2025-07-21	2025-06-30	0.42	0.42	0.0	0
2025-04-22	2025-03-31	0.39	0.37	-0.02	5
2025-01-23	2024-12-31	0.39	0.42	0.03	7
2024-10-23	2024-09-30	0.4	0.34	-0.06	15

	Return On Equity vs Return On Asset
	Profit Margin vs Current Valuation
	Return On Equity vs Operating Margin
	Shares Outstanding vs Current Valuation
	Return On Equity vs Shares Owned By Insiders
	Shares Owned By Institutions vs Current Valuation
	Return On Equity vs Number Of Shares Shorted
	Price To Earnings vs Current Valuation
	Return On Equity vs Price To Book
	Price To Sales vs Current Valuation
	Return On Equity vs Revenue
	Gross Profit vs Current Valuation
	Return On Equity vs EBITDA
	Net Income vs Current Valuation
	Return On Equity vs Cash And Equivalents