First Bank (FRBA)

First Bank Statistics

Total Valuation

First Bank has a market cap or net worth of $390.27 million. The enterprise value is $426.75 million.

Market Cap	390.27M
Enterprise Value	426.75M

Important Dates

The last earnings date was Wednesday, October 22, 2025, after market close.

Earnings Date	Oct 22, 2025
Ex-Dividend Date	Nov 7, 2025

Share Statistics

First Bank has 24.81 million shares outstanding. The number of shares has increased by 0.21% in one year.

Current Share Class	24.81M
Shares Outstanding	24.81M
Shares Change (YoY)	+0.21%
Shares Change (QoQ)	-0.49%
Owned by Insiders (%)	9.84%
Owned by Institutions (%)	49.98%
Float	20.27M

Valuation Ratios

The trailing PE ratio is 9.53 and the forward PE ratio is 8.24.

PE Ratio	9.53
Forward PE	8.24
PS Ratio	2.91
Forward PS	2.56
PB Ratio	0.90
P/TBV Ratio	1.03
P/FCF Ratio	n/a
P/OCF Ratio	6.64
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.20
EV / Sales	3.16
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.03%.

Return on Equity (ROE)	10.03%
Return on Assets (ROA)	1.07%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$422,422
Profits Per Employee	$130,725
Employee Count	320
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, First Bank has paid $13.30 million in taxes.

Income Tax	13.30M
Effective Tax Rate	24.12%

Stock Price Statistics

The stock price has increased by +5.36% in the last 52 weeks. The beta is 0.72, so First Bank's price volatility has been lower than the market average.

Beta (5Y)	0.72
52-Week Price Change	+5.36%
50-Day Moving Average	15.96
200-Day Moving Average	15.27
Relative Strength Index (RSI)	49.19
Average Volume (20 Days)	43,395

Short Selling Information

The latest short interest is 116,789, so 0.47% of the outstanding shares have been sold short.

Short Interest	116,789
Short Previous Month	115,261
Short % of Shares Out	0.47%
Short % of Float	0.58%
Short Ratio (days to cover)	2.68

Income Statement

In the last 12 months, First Bank had revenue of $135.18 million and earned $41.83 million in profits. Earnings per share was $1.65.

Revenue	135.18M
Gross Profit	135.18M
Operating Income	59.78M
Pretax Income	55.13M
Net Income	41.83M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.65

Balance Sheet

The company has $321.97 million in cash and $358.45 million in debt, giving a net cash position of -$36.48 million or -$1.47 per share.

Cash & Cash Equivalents	321.97M
Total Debt	358.45M
Net Cash	-36.48M
Net Cash Per Share	-$1.47
Equity (Book Value)	431.88M
Book Value Per Share	17.41
Working Capital	-2.89B

Cash Flow

Operating Cash Flow	58.75M
Capital Expenditures	-3.94M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	44.22%
Pretax Margin	40.78%
Profit Margin	30.95%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.53%.

Dividend Per Share	$0.24
Dividend Yield	1.53%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	14.55%
Buyback Yield	-0.21%
Shareholder Yield	1.32%
Earnings Yield	10.72%
FCF Yield	n/a

Analyst Forecast

The average price target for First Bank is $19.00, which is 20.79% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$19.00
Price Target Difference	20.79%
Analyst Consensus	Strong Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4