First Bank (FRBA)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 76 | 90 | 97 | 104 | 130 | 148 | 152 | - |
| Operating profit | $m | 57 | 56 | ||||||
| Net profit | $m | 19 | 35 | 36 | 21 | 42 | 44 | 43 | 41 |
| EPS reported | $ | 1.74 | 1.69 | ||||||
| Operating cashflow per share | $ | 2.63 | 2.12 | ||||||
| Capex per share | $ | 0.12 | 0.08 | ||||||
| FCF per share | $ | 2.51 | 2.04 | ||||||
| Free cash flow | $m | 63 | 51 | ||||||
| Net debt | $m | -129 | 239 | ||||||
| Book value equity | $m | 444 | 453 | ||||||
| Book value per share | $ | 17.67 | 18.08 | ||||||
| Number of shares | m | 25.1 | 25.07 | ||||||
| DPS (TTM paid) | $ | 0.24 | 0.33 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.46 | 10.46 | ||||||
| P/B LTM | x | 0.93 | 0.91 | ||||||
| P/S LTM | x | 2.77 | 2.71 | ||||||
| P/FCF LTM | x | 6.55 | 8.10 | ||||||
| EV/EBITDA LTM | x | 6.17 | 6.38 | ||||||
| EV/Sales LTM | x | 1.54 | 2.92 | ||||||
| Earnings Yield LTM | % | +10.57% | +9.56% | ||||||
| FCF Yield | % | +15.26% | +12.35% | ||||||
| Quality | |||||||||
| ROE | % | +9.84% | +9.57% | ||||||
| ROIC | % | +5.81% | +1.08% | ||||||
| Operating margin | % | +23.22% | +22.93% | ||||||
| Gross margin | % | +55.22% | +55.39% | ||||||
| FCF/Sales | % | +25.39% | +20.64% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +4.19% | +1.20% | ||||||
| Sales Growth YoY | % | +14.09% | +16.83% | ||||||
| Net Income Growth YoY | % | +3.35% | +0.71% | ||||||
| FCF Growth | % | +153.51% | +105.22% | ||||||
| Operating Profit Growth | % | +3.92% | +2.20% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.46% | +1.74% | ||||||
| Dividend Growth | % | 0.00% | +37.50% | ||||||
| Payout Ratio | % | +13.69% | +17.61% | ||||||
| FCF/Debt | x | 0.23 | 0.18 | ||||||
| Net Debt/EBITDA | x | -0.51 | 4.02 | ||||||
| EBIT/Net interest | x | 0.58 | 0.60 | ||||||
| Net debt/market cap | % | +66.01% | +57.73% | ||||||
| Net debt/Equity | x | -0.29 | 0.53 | ||||||
| Gross debt/equity | x | 0.61 | 0.61 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First Bank offers a comprehensive array of financial products and services tailored for individuals, businesses, and governmental bodies. Its diverse deposit options encompass non-interest and interest-bearing demand accounts, money market and savings accounts, certificates of deposit, and specialized commercial checking solutions. For lending needs, the bank provides commercial and industrial financing; a wide variety of commercial real estate loans, including those for owner-occupied properties, investors, construction projects, and multi-family dwellings; residential real estate loans such as mortgages, first and second lien home equity loans, and revolving credit lines; and consumer loans for vehicles, personal use, and traditional installment plans. Beyond these core offerings, the institution supports modern digital banking through internet and mobile platforms, electronic bill payment, and banking by phone. Additional services include ATM and debit card provision, wire and ACH transfers, remote deposit capture, and robust cash management solutions. As of December 31, 2021, First Bank operated 18 full-service branches situated across various counties in New Jersey (Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown) and Pennsylvania (Doylestown, Trevose, Warminster, and West Chester). Founded in 2007, the company maintains its corporate headquarters in Hamilton, New Jersey.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First Bank offers a comprehensive array of financial products and services tailored for individuals, businesses, and governmental bodies. Its diverse deposit options encompass non-interest and interest-bearing demand accounts, money market and savings accounts, certificates of deposit, and specialized commercial checking solutions. For lending needs, the bank provides commercial and industrial financing; a wide variety of commercial real estate loans, including those for owner-occupied properties, investors, construction projects, and multi-family dwellings; residential real estate loans such as mortgages, first and second lien home equity loans, and revolving credit lines; and consumer loans for vehicles, personal use, and traditional installment plans. Beyond these core offerings, the institution supports modern digital banking through internet and mobile platforms, electronic bill payment, and banking by phone. Additional services include ATM and debit card provision, wire and ACH transfers, remote deposit capture, and robust cash management solutions. As of December 31, 2021, First Bank operated 18 full-service branches situated across various counties in New Jersey (Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown) and Pennsylvania (Doylestown, Trevose, Warminster, and West Chester). Founded in 2007, the company maintains its corporate headquarters in Hamilton, New Jersey.
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