Symbols / FRBA Stock $16.74 +1.27% First Bank

Financial Services • Banks - Regional • United States • NGM
FRBA (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Patrick L. Ryan
Exch · Country NGM · United States
Market Cap 420.10M
Enterprise Value 401.91M
Income 43.66M
Sales 135.31M
FCF (ttm) —
Book/sh 17.88
Cash/sh 12.46
Employees 329
Insider 10d —
IPO Oct 15, 2010
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 13.79%
P/E 9.62
Forward P/E 8.10
PEG —
P/S 3.10
P/B 0.94
P/C —
EV/EBITDA —
EV/Sales 2.97
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.74
EPS next Y 2.07
EPS Growth 20.50%
Revenue Growth 0.40%
EPS Gr Q/Q 17.40%
Rev Gr Q/Q —
Earnings (next) 2026-04-27
Earnings (prior) 2026-04-27
ROA 1.13%
ROE 10.24%
ROIC —
Gross Margin 0.00%
Oper. Margin 45.41%
Profit Margin 32.27%
Shs Outstand 25.10M
Shs Float 20.86M
Insider Own 6.38%
Instit Own 57.77%
Short Float 0.75%
Short Ratio 2.87
Short Interest 174.64K
52W High 18.11
vs 52W High -7.56%
52W Low 14.12
vs 52W Low 18.56%
Beta 0.65
Impl. Vol. 1.40%
Rel Volume 0.72
Avg Volume 65.19K
Volume 46.90K
Target (mean) $18.83
Tgt Median $19.50
Tgt Low $17.00
Tgt High $20.00
# Analysts 3
Recom None
Prev Close $16.53
Price $16.74
Change 1.27%
About

First Bank provides various banking products and services to small and mid-sized businesses and individuals. It accepts various deposits, including non-interest- and interest-bearing demand deposits, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking and cash management accounts. The company also offers various loan products, such as commercial and industrial loans, which include line of credit, inventory, equipment, and short-term working capital financing; commercial real estate loans comprising owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans consisting of residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans, such as auto, personal, traditional installment, and other loans. In addition, it provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone; ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services, as well as engages in the capital markets activities. The company operates full-service branches in Cinnaminson, Delanco, Denville, Ewing, Fairfield, Flemington, Hamilton, Lawrence, Monroe, Morristown, Pennington, Randolph, Somerset, Trenton, Williamstown, New Jersey; Coventry, Devon, Doylestown, Glen Mills, Lionville, Malvern, Paoli, Trevose, Warminster, and West Chester, Pennsylvania; and Palm Beach, Florida. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$18.83
Mean price target
2. Current target
$16.74
Latest analyst target
3. DCF / Fair value
$26.10
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$16.74
Low
$17.00
High
$20.00
Mean
$18.83

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-25 init DA Davidson — → Neutral $18
2025-07-24 main DA Davidson Buy → Buy $19
2024-10-30 reit Piper Sandler Overweight → Overweight $17
2024-07-30 main Piper Sandler Overweight → Overweight $18
2024-04-24 main Piper Sandler Overweight → Overweight $15
2020-05-06 init DA Davidson — → Buy $11
2017-05-30 up Baird Neutral → Outperform —
2016-12-13 down Baird Outperform → Neutral —
2016-10-27 down Merion Capital Buy → Neutral —
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-17 RYAN PATRICK L Chief Executive Officer — 36,922 $17.40 $642,443
2026-02-17 RYAN PATRICK L Chief Executive Officer — 36,922 $17.40 $642,443
2026-02-17 RYAN PATRICK L Chief Executive Officer — 23,693 $0.00 $0
2026-02-17 CAHILL PETER M Officer — 8,788 $17.40 $152,911
2026-02-17 HIBSHMAN ANDREW Chief Financial Officer — 8,788 $17.40 $152,911
2026-02-10 CAHILL PETER M Officer — 11,000 $17.29 $190,190
2026-01-30 RYAN PATRICK MICHAEL Director — 18,000 $16.68 $300,240
2026-01-30 RYAN PATRICK MICHAEL Director — 7,300 $6.50 $47,450
2026-01-30 RYAN PATRICK MICHAEL Director — 18,000 $16.68 $300,240
2026-01-30 RYAN PATRICK MICHAEL Director — 7,300 $6.50 $47,450
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
147.20
+13.36%
129.85
+25.10%
103.80
+6.47%
97.49
Operating Revenue
147.20
+13.36%
129.85
+25.10%
103.80
+6.47%
97.49
Selling General And Administration
48.89
+10.83%
44.11
+18.38%
37.26
+26.16%
29.54
Selling And Marketing Expense
1.51
+11.81%
1.35
+16.71%
1.16
+70.23%
0.68
General And Administrative Expense
47.37
+10.80%
42.76
+18.44%
36.10
+25.11%
28.85
Salaries And Wages
46.50
+11.34%
41.77
+18.60%
35.22
+25.21%
28.13
Other Gand A
—
—
—
0.48
Reconciled Depreciation
4.21
-2.52%
4.32
+51.70%
2.85
+83.10%
1.56
Total Unusual Items
0.40
0.00
+100.00%
-8.05
-1680.53%
-0.45
Total Unusual Items Excluding Goodwill
0.40
0.00
+100.00%
-8.05
-1680.53%
-0.45
Special Income Charges
0.00
0.00
+100.00%
-8.05
-1680.53%
-0.45
Restructuring And Mergern Acquisition
0.00
0.00
-100.00%
8.05
+1680.53%
0.45
Net Income
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Pretax Income
57.30
+3.92%
55.15
+103.05%
27.16
-43.29%
47.89
Net Interest Income
137.82
+12.47%
122.55
+17.25%
104.52
+13.15%
92.37
Interest Expense
98.63
-0.96%
99.58
+43.28%
69.50
+366.83%
14.89
Interest Income
236.45
+6.45%
222.13
+27.65%
174.02
+62.24%
107.26
Gain On Sale Of Security
0.00
+100.00%
-0.56
+66.36%
-1.65
0.00
Tax Provision
13.64
+5.77%
12.90
+106.05%
6.26
-46.03%
11.60
Tax Rate For Calcs
0.00
+1.71%
0.00
+1.30%
0.00
-4.55%
0.00
Tax Effect Of Unusual Items
0.09
0.00
+100.00%
-1.86
-1599.60%
-0.11
Net Income Including Noncontrolling Interests
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Net Income From Continuing Operation Net Minority Interest
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Net Income From Continuing And Discontinued Operation
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Net Income Continuous Operations
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Normalized Income
43.36
+2.63%
42.24
+55.96%
27.09
-26.05%
36.63
Net Income Common Stockholders
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Diluted EPS
1.74
+4.19%
1.67
+75.79%
0.95
-48.37%
1.84
Basic EPS
1.75
+4.17%
1.68
+76.84%
0.95
-48.92%
1.86
Basic Average Shares
24.95
-0.71%
25.13
+14.51%
21.94
+12.50%
19.50
Diluted Average Shares
25.10
-0.73%
25.28
+14.55%
22.07
+11.95%
19.72
Diluted NI Availto Com Stockholders
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Insurance And Claims
0.87
-12.02%
0.99
+12.12%
0.88
+21.46%
0.73
Occupancy And Equipment
9.49
+12.37%
8.45
+18.95%
7.10
+24.87%
5.69
Other Non Interest Expense
15.34
-5.06%
16.16
+29.56%
12.47
+61.73%
7.71
Professional Expense And Contract Services Expense
4.28
-11.02%
4.81
+26.11%
3.81
+14.06%
3.34
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,958.04
+4.70%
3,780.35
+4.74%
3,609.33
+32.07%
2,732.94
Cash And Cash Equivalents
302.19
+16.95%
258.39
+20.08%
215.18
+89.37%
113.63
Cash Financial
22.14
+21.31%
18.25
-28.85%
25.65
+45.94%
17.58
Other Short Term Investments
97.48
+25.92%
77.41
-17.77%
94.14
-4.86%
98.96
Receivables
14.38
+0.81%
14.27
-3.36%
14.76
+80.83%
8.16
Accounts Receivable
14.38
+0.81%
14.27
-3.36%
14.76
+80.83%
8.16
Net PPE
18.37
-13.98%
21.35
-1.28%
21.63
+105.00%
10.55
Gross PPE
31.19
-12.17%
35.52
+5.57%
33.64
+62.07%
20.76
Accumulated Depreciation
-12.82
+9.45%
-14.16
-17.91%
-12.01
-17.69%
-10.21
Land And Improvements
4.24
-12.28%
4.83
-11.65%
5.47
+51.41%
3.61
Buildings And Improvements
7.08
-50.57%
14.31
+2.34%
13.99
+127.71%
6.14
Machinery Furniture Equipment
8.57
+7.22%
8.00
+13.47%
7.05
+25.91%
5.60
Leases
11.31
+35.00%
8.38
+17.31%
7.14
+32.03%
5.41
Goodwill And Other Intangible Assets
51.29
-3.21%
52.99
-3.61%
54.98
+183.32%
19.41
Goodwill
44.17
+0.00%
44.17
+0.00%
44.17
+147.76%
17.83
Other Intangible Assets
7.12
-19.29%
8.83
-18.36%
10.81
+584.74%
1.58
Investments And Advances
163.13
+18.19%
138.02
-7.95%
149.93
-2.97%
154.52
Total Liabilities Net Minority Interest
3,514.53
+4.25%
3,371.19
+4.10%
3,238.43
+32.54%
2,443.38
Payables And Accrued Expenses
4.76
+24.69%
3.82
+35.80%
2.81
+130.95%
1.22
Payables
4.76
+24.69%
3.82
+35.80%
2.81
+130.95%
1.22
Accounts Payable
4.76
+24.69%
3.82
+35.80%
2.81
+130.95%
1.22
Long Term Debt And Capital Lease Obligation
271.06
-2.11%
276.89
+18.13%
234.40
+94.26%
120.66
Long Term Debt
271.06
-2.11%
276.89
+18.13%
234.40
+94.26%
120.66
Stockholders Equity
443.50
+8.39%
409.16
+10.31%
370.90
+28.09%
289.56
Common Stock Equity
443.50
+8.39%
409.16
+10.31%
370.90
+28.09%
289.56
Capital Stock
136.79
+0.95%
135.50
+0.70%
134.55
+28.74%
104.51
Common Stock
136.79
+0.95%
135.50
+0.70%
134.55
+28.74%
104.51
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
27.64
+0.98%
27.38
+0.83%
27.15
+28.77%
21.08
Ordinary Shares Number
24.80
-1.20%
25.10
+0.53%
24.97
+28.36%
19.45
Treasury Shares Number
2.84
+25.02%
2.27
+4.29%
2.18
+33.72%
1.63
Additional Paid In Capital
126.33
+1.45%
124.52
+1.34%
122.88
+52.28%
80.69
Retained Earnings
214.46
+21.31%
176.78
+25.76%
140.56
+10.22%
127.53
Gains Losses Not Affecting Retained Earnings
-2.88
+41.62%
-4.92
+13.87%
-5.72
+22.03%
-7.33
Treasury Stock
31.20
+37.36%
22.72
+6.26%
21.38
+34.94%
15.84
Other Equity Adjustments
-2.88
+41.62%
-4.92
+13.87%
-5.72
+22.03%
-7.33
Total Equity Gross Minority Interest
443.50
+8.39%
409.16
+10.31%
370.90
+28.09%
289.56
Total Capitalization
714.56
+4.16%
686.04
+13.34%
605.30
+47.55%
410.23
Invested Capital
714.56
+4.16%
686.04
+13.34%
605.30
+47.55%
410.23
Total Debt
271.06
-2.11%
276.89
+18.13%
234.40
+94.26%
120.66
Net Debt
—
18.50
-3.77%
19.22
+173.30%
7.03
Net Tangible Assets
392.21
+10.12%
356.16
+12.74%
315.92
+16.94%
270.16
Tangible Book Value
392.21
+10.12%
356.16
+12.74%
315.92
+16.94%
270.16
Available For Sale Securities
25.23
+87.11%
13.48
+14.95%
11.73
+40.10%
8.37
Cash Cash Equivalents And Federal Funds Sold
323.84
+12.84%
286.99
+19.87%
239.42
+79.44%
133.42
Held To Maturity Securities
40.42
-14.22%
47.12
+6.95%
44.06
-6.64%
47.19
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
65.56
+137.33%
27.63
-80.79%
143.84
+290.01%
36.88
Cash Flow From Continuing Operating Activities
65.56
+137.33%
27.63
-80.79%
143.84
+290.01%
36.88
Net Income From Continuing Operations
43.66
+3.35%
42.24
+102.15%
20.90
-42.41%
36.29
Depreciation Amortization Depletion
4.21
-2.52%
4.32
+51.70%
2.85
+83.10%
1.56
Depreciation
2.33
+8.42%
2.15
+17.94%
1.82
+44.11%
1.26
Amortization Cash Flow
1.88
-13.35%
2.17
+111.70%
1.03
+252.58%
0.29
Depreciation And Amortization
4.21
-2.52%
4.32
+51.70%
2.85
+83.10%
1.56
Amortization Of Intangibles
1.88
-13.35%
2.17
+111.70%
1.03
+252.58%
0.29
Other Non Cash Items
-9.86
+31.89%
-14.47
-112.72%
113.78
+4342.28%
-2.68
Stock Based Compensation
2.06
+0.44%
2.05
+26.11%
1.62
+33.01%
1.22
Asset Impairment Charge
0.81
+125.14%
0.36
0.00
—
Deferred Tax
2.18
-58.67%
5.27
+1557.23%
0.32
-11.17%
0.36
Deferred Income Tax
2.18
-58.67%
5.27
+1557.23%
0.32
-11.17%
0.36
Operating Gains Losses
-1.05
-197.30%
1.07
-81.60%
5.84
+2073.65%
-0.30
Gain Loss On Investment Securities
0.00
-100.00%
0.56
-66.36%
1.65
0.00
Gain Loss On Sale Of PPE
-0.40
-1904.55%
0.02
0.00
0.00
Change In Working Capital
15.11
+226.29%
-11.96
-64.01%
-7.29
-939.24%
0.87
Change In Receivables
-0.12
-123.19%
0.50
+118.28%
-2.71
-9.30%
-2.48
Changes In Account Receivables
-0.12
-123.19%
0.50
+118.28%
-2.71
-9.30%
-2.48
Change In Payables And Accrued Expense
0.94
-6.45%
1.01
+220.86%
-0.83
-201.83%
0.82
Change In Payable
0.94
-6.45%
1.01
+220.86%
-0.83
-201.83%
0.82
Change In Account Payable
0.94
-6.45%
1.01
+220.86%
-0.83
-201.83%
0.82
Change In Other Current Assets
14.29
+188.05%
-16.23
-119.27%
-7.40
-837.25%
1.00
Change In Other Current Liabilities
-0.01
-100.51%
2.77
-24.39%
3.66
+139.18%
1.53
Investing Cash Flow
-155.11
-44.69%
-107.20
-627.39%
20.33
+108.72%
-233.07
Cash Flow From Continuing Investing Activities
-155.11
-44.69%
-107.20
-627.39%
20.33
+108.72%
-233.07
Net PPE Purchase And Sale
1.11
+161.14%
-1.82
+41.55%
-3.12
-63.45%
-1.91
Purchase Of PPE
-2.90
+0.17%
-2.91
+6.67%
-3.12
-63.45%
-1.91
Sale Of PPE
4.02
+269.64%
1.09
0.00
0.00
Capital Expenditure
-2.90
+0.17%
-2.91
+6.67%
-3.12
-63.45%
-1.91
Net Investment Purchase And Sale
-37.05
-469.33%
-6.51
-109.46%
68.79
+306.18%
-33.37
Purchase Of Investment
-65.87
-23.49%
-53.34
+15.97%
-63.47
-18.02%
-53.78
Sale Of Investment
28.81
-38.47%
46.83
-64.59%
132.27
+547.85%
20.42
Net Business Purchase And Sale
0.00
0.00
+100.00%
-16.25
0.00
Purchase Of Business
0.00
0.00
+100.00%
-16.25
—
Net Other Investing Changes
20.25
+3.61%
19.55
-44.96%
35.52
+205.90%
11.61
Financing Cash Flow
126.85
+2.69%
123.53
+298.84%
-62.13
-137.07%
167.60
Cash Flow From Continuing Financing Activities
126.85
+2.69%
123.53
+298.84%
-62.13
-137.07%
167.60
Net Issuance Payments Of Debt
-5.89
-113.73%
42.86
+181.51%
-52.58
-1108.92%
-4.35
Issuance Of Debt
429.32
+10.08%
390.00
-25.00%
520.00
+292.65%
132.44
Repayment Of Debt
-435.20
-25.37%
-347.14
+39.37%
-572.58
-318.60%
-136.78
Long Term Debt Issuance
429.32
+10.08%
390.00
-25.00%
520.00
+292.65%
132.44
Long Term Debt Payments
-435.20
-25.37%
-347.14
+39.37%
-572.58
-318.60%
-136.78
Net Long Term Debt Issuance
-5.89
-113.73%
42.86
+181.51%
-52.58
-1108.92%
-4.35
Net Common Stock Issuance
-8.49
-533.76%
-1.34
+75.81%
-5.54
-57.07%
-3.52
Common Stock Payments
-8.49
-533.76%
-1.34
+75.81%
-5.54
-57.07%
-3.52
Common Stock Dividend Paid
-5.98
+0.80%
-6.03
-13.31%
-5.32
-13.70%
-4.68
Cash Dividends Paid
-5.98
+0.80%
-6.03
-13.31%
-5.32
-13.70%
-4.68
Repurchase Of Capital Stock
-8.49
-533.76%
-1.34
+75.81%
-5.54
-57.07%
-3.52
Proceeds From Stock Option Exercised
1.05
+94.42%
0.54
+110.16%
0.26
-64.39%
0.72
Changes In Cash
37.31
-15.14%
43.96
-56.91%
102.03
+456.88%
-28.59
Beginning Cash Position
271.91
+19.29%
227.95
+81.03%
125.92
-18.50%
154.51
End Cash Position
309.22
+13.72%
271.91
+19.29%
227.95
+81.03%
125.92
Free Cash Flow
62.66
+153.51%
24.72
-82.44%
140.72
+302.37%
34.97
Interest Paid Supplemental Data
97.32
-0.33%
97.64
+40.48%
69.50
+529.57%
11.04
Income Tax Paid Supplemental Data
6.24
+32.69%
4.70
-40.03%
7.83
-26.93%
10.72
Sale Of Business
—
—
—
0.00
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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