First Bank (FRBA) AI Stock Analysis

First Bank, headquartered in Hamilton, New Jersey, is a regional bank offering products and services to individuals, businesses, and governmental entities across New Jersey and Pennsylvania. Founded in 2007, the company operates a network of 18 full-service branches. Its deposit options include interest bearing and non-interest bearing accounts, money market accounts, savings accounts, and certificates of deposit. First Bank's loan portfolio spans commercial and industrial loans, commercial real estate loans, residential mortgages, home equity loans, and consumer installment loans. The bank also provides cash management, wire and ACH transfers, remote deposit capture, and digital banking platforms.

Annual revenue expanded from $98.9M in FY2021 to $246.8M in FY2025, representing a 5-year revenue CAGR of 20.9%. Net income grew from $35.4M in FY2021 to $43.7M in FY2025, while EPS shifted from $1.82 to $1.75. Operating margin was 47.3% in FY2021 and 23.2% in FY2025, with gross margin at 55.2% in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue growth YoY was 1.7% and quarterly earnings growth YoY was 5.1%. Trailing twelve months revenue reached $134.2M, generating an operating margin of 43.6%, a profit margin of 31.7%, and EPS of $1.71.

As of June 30, 2026, First Bank held $36.9M in cash and short-term investments against total debt of $276.0M, resulting in net debt of $239.0M. Total assets stood at $4.09B, while shareholders' equity was $453.2M, reflecting a debt-to-equity ratio of 0.61 and a current ratio of 0.39. In FY2025, operating cash flow reached $65.6M and free cash flow was $62.7M. Capital allocation in FY2025 included $2.9M for capital expenditures, $6.0M for dividends paid, and $8.5M used for share buybacks.

First Bank closed at $17.80 on October 16, 2026, trading at a trailing P/E of 10.4x and a forward P/E of 8.3x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x. Its price-to-sales multiple is 3.3x compared to 3.2x for peers, while its price-to-book sits at 1.0x and EV to revenue is 4.7x. Over the past year, the stock returned 20.7%, outpacing the S&P 500 (SPY) return of 16.8%. Over a 5-year period, FRBA returned 29.2% versus 83.0% for the S&P 500.

First Bank pays a quarterly dividend with an annual forward dividend of $0.33, delivering a dividend yield of 1.85%. The bank maintains a payout ratio of 19.5% and has paid dividends for 10 consecutive years. Over the last five years, its annualized dividend growth rate was 14.9%, and its most recent ex-dividend date was August 7, 2026.

Analyst coverage on First Bank consists of 1 Strong Buy, 1 Buy, and 1 Hold rating. The mean price target is $20.00, representing a 12.4% upside compared to the last close of $17.80. For the fiscal year ending December 31, 2026, consensus revenue is $149.1M with EPS estimated at $1.61. Over the last four quarters, the bank achieved 2 EPS beats, with the next earnings date scheduled for October 22, 2026.

This page is an AI-written research summary of First Bank (FRBA). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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