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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.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
First Bank (FRBA) is a Nasdaq-listed regional bank; public filings and detailed company information are limited in my training data. It appears to operate core banking services—deposits, commercial and consumer lending, and payment/fee income. Long-term growth drivers may include loan growth in core markets, improved net interest margins and gradual fee diversification, which could support earnings and franchise value.
Material risks include credit-quality deterioration and lending concentration, sensitivity to interest-rate and funding cycles, competitive pressure on deposit pricing, and regulatory or compliance developments.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 57.30M | 55.15M | 27.16M | 47.89M | 46.72M |
| Net income | 43.66M | 42.24M | 20.90M | 36.29M | 35.43M |
| Selling general administrative | 54.93M | 42.76M | 36.10M | 30.18M | 30.20M |
| Selling and marketing expenses | - | 1.35M | 1.16M | 0.68M | 0.53M |
| Gross profit | 136.26M | 128.68M | 95.86M | 97.49M | 89.64M |
| Reconciled depreciation | 4.21M | 4.32M | 2.19M | 1.56M | 1.58M |
| Ebit | - | 55.15M | 27.16M | 62.78M | 46.72M |
| Ebitda | 57.30M | 59.47M | 30.01M | 64.33M | 48.30M |
| Depreciation and amortization | - | 4.32M | 2.85M | 1.56M | 1.58M |
| Operating income | 57.30M | 55.15M | 27.16M | 62.78M | 46.72M |
| Other operating expenses | 189.47M | 174.29M | 146.14M | -34.72M | -42.92M |
| Interest expense | 98.63M | 99.58M | 69.50M | 14.89M | 9.22M |
| Tax provision | 13.64M | 12.90M | 7.20M | 11.60M | 11.29M |
| Interest income | 236.45M | 222.13M | 152.37M | 107.26M | 91.11M |
| Net interest income | 137.82M | 122.55M | 97.27M | 92.37M | 81.89M |
| Income tax expense | 13.64M | 12.90M | 6.26M | 11.60M | 11.29M |
| Total revenue | 246.78M | 229.44M | 173.30M | 97.49M | 89.64M |
| Total operating expenses | 78.95M | 73.53M | 68.70M | -34.72M | -42.92M |
| Cost of revenue | 110.52M | 100.76M | 77.44M | - | - |
| Total other income expense net | - | -11.98M | -15.99M | -14.89M | -9.22M |
| Net income from continuing ops | 43.66M | 42.24M | 21.62M | 36.29M | 35.43M |
| Net income applicable to common shares | - | - | - | 36.29M | 35.43M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 3958.04M | 3780.35M | 3610.06M | 2732.94M | 2510.30M |
| Intangible assets | 7.12M | 8.83M | 10.81M | 1.58M | 2.15M |
| Other current assets | -369.74M | - | 243.71M | 21.74M | 2081.31M |
| Total liab | 3514.53M | 3371.19M | 3239.16M | 2443.38M | 2243.63M |
| Total stockholder equity | 443.50M | 409.16M | 370.90M | 289.56M | 266.67M |
| Other current liab | 3202.31M | 3055.90M | 504.58M | -1.22M | -0.40M |
| Common stock | 136.79M | 135.50M | 134.55M | 104.51M | 103.70M |
| Capital stock | 136.79M | 135.50M | 134.55M | 104.51M | 103.70M |
| Retained earnings | 214.46M | 176.78M | 140.56M | 127.53M | 95.92M |
| Other liab | - | - | - | 6.71M | 17.18M |
| Good will | 44.17M | 44.17M | 44.17M | 17.83M | 17.83M |
| Other assets | 3633.69M | -68.42M | - | 2327.72M | 2081.31M |
| Cash | 302.19M | 258.39M | 215.18M | 113.63M | 156.68M |
| Total current liabilities | 3207.07M | 3059.72M | 649.21M | 1.22M | 0.40M |
| Current deferred revenue | - | - | -2.81M | - | - |
| Net debt | -31.13M | 18.50M | 29.82M | 7.03M | -45.22M |
| Short term debt | - | 92.77M | 144.64M | - | - |
| Short long term debt total | 271.06M | 276.89M | 245.00M | 120.66M | 111.45M |
| Other stockholder equity | 95.13M | 101.81M | 101.50M | 64.85M | 67.24M |
| Property plant equipment | - | - | - | 17.55M | 9.88M |
| Total current assets | 44.30M | 340.33M | 243.71M | 220.75M | 256.94M |
| Long term investments | 163.13M | 138.02M | 149.93M | 154.52M | 142.19M |
| Net tangible assets | - | - | - | 270.16M | 246.69M |
| Short term investments | 97.48M | 67.68M | 94.14M | 98.96M | 94.58M |
| Net receivables | 14.38M | 14.27M | 14.76M | 8.16M | 5.68M |
| Long term debt | 271.06M | 276.89M | 234.40M | 120.66M | 111.45M |
| Inventory | - | - | 24.66M | - | 0.77M |
| Accounts payable | 4.76M | 3.82M | 2.81M | 1.22M | 0.40M |
| Accumulated other comprehensive income | -2.88M | -4.92M | -5.72M | -7.33M | -0.21M |
| Non currrent assets other | 507.96M | 163.31M | 3023.71M | -184.48M | -172.05M |
| Non current assets total | 3913.73M | 3440.01M | 3366.35M | 184.48M | 172.05M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -37.05M | -107.20M | -20.34M | -233.07M | 7.04M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -155.11M | -107.20M | 20.33M | -233.07M | 7.04M |
| Net borrowings | -5.89M | 42.86M | -52.58M | -4.35M | -79.30M |
| Total cash from financing activities | 126.85M | 123.53M | -62.13M | 167.60M | 23.95M |
| Change to operating activities | - | - | - | 3.35M | 1.00M |
| Net income | 43.66M | 42.24M | 20.90M | 36.29M | 35.43M |
| Change in cash | 37.31M | 43.96M | 102.03M | -28.59M | 59.03M |
| Begin period cash flow | 271.91M | 227.95M | 125.92M | 154.51M | 95.47M |
| End period cash flow | 309.22M | 271.91M | 227.95M | 125.92M | 154.51M |
| Total cash from operating activities | 65.56M | 27.63M | 143.84M | 36.88M | 28.04M |
| Depreciation | 4.21M | 4.32M | 2.85M | 1.56M | 1.58M |
| Other cashflows from investing activities | -155.11M | -97.78M | -29.10M | -0.36M | -2.31M |
| Dividends paid | 5.98M | 6.03M | 5.32M | -4.68M | -2.94M |
| Change to account receivables | -0.12M | 0.50M | -2.71M | -2.48M | 1.14M |
| Sale purchase of stock | -8.49M | -1.34M | -5.54M | -3.52M | -4.13M |
| Other cashflows from financing activities | 146.16M | 88.05M | 1.30M | 312.59M | 110.33M |
| Change to netincome | - | - | - | -1.94M | -11.22M |
| Capital expenditures | 2.90M | 2.91M | 3.12M | 1.91M | 0.19M |
| Change in working capital | 15.11M | -11.96M | -7.29M | 0.87M | 2.14M |
| Stock based compensation | 2.06M | 2.05M | 1.62M | 1.22M | 1.00M |
| Other non cash items | 6.80M | -14.30M | 125.44M | -3.41M | -12.77M |
| Free cash flow | 62.66M | 24.72M | 140.72M | 34.97M | 27.85M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FRBA First Bank |
0.66 3.40% |
20.08 | 9.49 | 8.34 | 3.06 | 0.95 | 4.71 |
| DBSDY DBS Group Holdings Ltd ADR |
-3.29 1.44% |
224.55 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Patrick L. Ryan | Pres, CEO & Director | 1976 |
| Mr. Andrew L. Hibshman | Exec. VP, Treasurer & CFO | 1982 |
| Mr. John F. Shepardson | Exec. VP & COO | 1975 |
| Mr. Peter J. Cahill | Exec. VP & Chief Lending Officer | 1957 |
| Mr. Parwinder S. Virk | First Sr. VP & Chief Accounting Officer | NA |
| Mr. Gabriel K. Dragos | First Sr. VP & CTO | NA |
| Ms. Michelle Mack | VP & Compliance Officer | NA |
| Mr. Michael Smith | Sr. VP and Director of Small Bus. & Corp. Devel. | NA |
| Ms. Kimberly Cerasi | First Sr. VP & Director of HR | NA |
| Mr. Stephen F. Carman | First Sr. VP & Sr. Accounting Officer | 1957 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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