First Bank (FRBA)

First Bank Statistics

Total Valuation

First Bank has a market cap or net worth of $375.08 million. The enterprise value is $430.49 million.

Market Cap	375.08M
Enterprise Value	430.49M

Important Dates

The last earnings date was Tuesday, July 22, 2025, after market close.

Earnings Date	Jul 22, 2025
Ex-Dividend Date	Aug 8, 2025

Share Statistics

First Bank has 24.91 million shares outstanding. The number of shares has increased by 1.70% in one year.

Current Share Class	24.91M
Shares Outstanding	24.91M
Shares Change (YoY)	+1.70%
Shares Change (QoQ)	-0.14%
Owned by Insiders (%)	9.80%
Owned by Institutions (%)	46.55%
Float	20.36M

Valuation Ratios

The trailing PE ratio is 9.97 and the forward PE ratio is 8.26.

PE Ratio	9.97
Forward PE	8.26
PS Ratio	2.88
Forward PS	2.70
PB Ratio	0.89
P/TBV Ratio	1.01
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.25
EV / Sales	3.28
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 9.40%.

Return on Equity (ROE)	9.40%
Return on Assets (ROA)	1.00%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$410,006
Profits Per Employee	$119,622
Employee Count	320
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, First Bank has paid $13.90 million in taxes.

Income Tax	13.90M
Effective Tax Rate	26.64%

Stock Price Statistics

The stock price has decreased by -0.46% in the last 52 weeks. The beta is 0.75, so First Bank's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	-0.46%
50-Day Moving Average	15.18
200-Day Moving Average	14.72
Relative Strength Index (RSI)	42.39
Average Volume (20 Days)	44,034

Short Selling Information

The latest short interest is 79,956, so 0.32% of the outstanding shares have been sold short.

Short Interest	79,956
Short Previous Month	85,449
Short % of Shares Out	0.32%
Short % of Float	0.39%
Short Ratio (days to cover)	1.51

Income Statement

In the last 12 months, First Bank had revenue of $131.20 million and earned $38.28 million in profits. Earnings per share was $1.51.

Revenue	131.20M
Gross Profit	131.20M
Operating Income	56.70M
Pretax Income	37.39M
Net Income	38.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.51

Balance Sheet

The company has $335.74 million in cash and $391.15 million in debt, giving a net cash position of -$55.41 million or -$2.22 per share.

Cash & Cash Equivalents	335.74M
Total Debt	391.15M
Net Cash	-55.41M
Net Cash Per Share	-$2.22
Equity (Book Value)	422.38M
Book Value Per Share	16.96
Working Capital	-2.81B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	43.22%
Pretax Margin	39.77%
Profit Margin	29.18%
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 1.59%.

Dividend Per Share	$0.24
Dividend Yield	1.59%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	15.89%
Buyback Yield	-1.70%
Shareholder Yield	-0.11%
Earnings Yield	10.21%
FCF Yield	n/a

Analyst Forecast

The average price target for First Bank is $18.00, which is 20.00% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$18.00
Price Target Difference	20.00%
Analyst Consensus	Strong Buy
Analyst Count	2
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	2