First Bank (FRBA)

First Bank Statistics

Total Valuation

First Bank has a market cap or net worth of $408.20 million. The enterprise value is $475.75 million.

Market Cap	408.20M
Enterprise Value	475.75M

Important Dates

The next estimated earnings date is Wednesday, October 22, 2025, after market close.

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

Share Statistics

First Bank has 24.89 million shares outstanding. The number of shares has increased by 1.70% in one year.

Current Share Class	24.89M
Shares Outstanding	24.89M
Shares Change (YoY)	+1.70%
Shares Change (QoQ)	-0.14%
Owned by Insiders (%)	9.81%
Owned by Institutions (%)	48.31%
Float	20.35M

Valuation Ratios

The trailing PE ratio is 10.98 and the forward PE ratio is 9.09.

PE Ratio	10.98
Forward PE	9.09
PS Ratio	3.17
Forward PS	2.73
PB Ratio	0.98
P/TBV Ratio	1.10
P/FCF Ratio	10.92
P/OCF Ratio	10.01
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.43
EV / Sales	3.63
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.73

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	11.09
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 increased by +7.75% in the last 52 weeks. The beta is 0.80, so First Bank's price volatility has been lower than the market average.

Beta (5Y)	0.80
52-Week Price Change	+7.75%
50-Day Moving Average	15.92
200-Day Moving Average	14.94
Relative Strength Index (RSI)	50.84
Average Volume (20 Days)	46,472

Short Selling Information

The latest short interest is 83,250, so 0.33% of the outstanding shares have been sold short.

Short Interest	83,250
Short Previous Month	100,313
Short % of Shares Out	0.33%
Short % of Float	0.41%
Short Ratio (days to cover)	1.66

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	57.57M
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 $346.82 million in cash and $414.36 million in debt, giving a net cash position of -$67.55 million or -$2.71 per share.

Cash & Cash Equivalents	346.82M
Total Debt	414.36M
Net Cash	-67.55M
Net Cash Per Share	-$2.71
Equity (Book Value)	422.38M
Book Value Per Share	16.96
Working Capital	-2.81B

Cash Flow

In the last 12 months, operating cash flow was $40.80 million and capital expenditures -$3.42 million, giving a free cash flow of $37.38 million.

Operating Cash Flow	40.80M
Capital Expenditures	-3.42M
Free Cash Flow	37.38M
FCF Per Share	$1.50

Margins

Gross Margin	n/a
Operating Margin	43.88%
Pretax Margin	39.77%
Profit Margin	29.18%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	28.49%

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.45%.

Dividend Per Share	$0.24
Dividend Yield	1.45%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	15.89%
Buyback Yield	-1.70%
Shareholder Yield	-0.24%
Earnings Yield	9.38%
FCF Yield	9.16%

Analyst Forecast

The average price target for First Bank is $18.00, which is 9.62% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$18.00
Price Target Difference	9.62%
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	4