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    First Bank (FRBA)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $17.59
    -0.03 (-0.17%)

    Market Cap: $435.42M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    62%(24/39)
    Avg Surprise
    +4.67%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.44
    Range$0.43 - $0.45
    2 analysts
    EPS Revisions
    3
    0
    7d
    3
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.42+3.9%
    60d ago$0.440.0%
    30d ago$0.440.0%
    7d ago$0.440.0%
    Current$0.44
    Revenue Consensus
    $38M
    Range$38M - $38M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.30
    Range$0.29 - $0.34
    3 analysts
    Revenue Consensus
    $37M
    Range$37M - $38M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.30---
    Sep 26EST
    		-$0.44---
    Jun 26
    Reported Jul 23
    		$0.43$0.40+7.50%Beat+2.4%
    Mar 26
    Reported Apr 27
    		$0.30$0.46-34.78%Miss-18.9%
    Dec 25
    Reported Jan 26
    		$0.49$0.49+0.00%Beat+16.7%
    Sep 25
    Reported Oct 22
    		$0.47$0.46+2.17%Beat+38.2%
    Jun 25
    Reported Jul 22
    		$0.42$0.42+0.00%Beat-10.6%
    Mar 25
    Reported Apr 22
    		$0.37$0.39-5.13%Miss-24.5%
    Dec 24
    Reported Jan 23
    		$0.42$0.39+7.69%Beat-14.3%
    Sep 24
    Reported Oct 23
    		$0.34$0.40-15.00%Miss-19.0%
    Jun 24
    Reported Jul 24
    		$0.47$0.40+17.50%Beat+34.3%
    Mar 24
    Reported Apr 22
    		$0.49$0.42+16.67%Beat+28.9%
    Dec 23
    Reported Jan 24
    		$0.49$0.39+25.64%Beat+2.1%
    Sep 23
    Reported Oct 25
    		$0.42$0.26+61.54%Beat-19.2%
    Jun 23
    Reported Jul 26
    		$0.35$0.26+34.62%Beat-22.2%
    Mar 23
    Reported Apr 26
    		$0.38$0.44-13.64%Miss-7.3%
    Dec 22
    Reported Jan 25
    		$0.48$0.54-11.11%Miss+14.3%
    Sep 22
    Reported Oct 25
    		$0.52$0.50+4.00%Beat+13.0%
    Jun 22
    Reported Jul 26
    		$0.45$0.43+4.65%Beat+0.0%
    Mar 22
    Reported Apr 25
    		$0.41$0.41+0.00%Beat-16.3%
    Dec 21
    Reported Jan 26
    		$0.42$0.42+0.00%Beat+35.5%
    Sep 21
    Reported Oct 26
    		$0.46$0.43+6.98%Beat+53.3%
    Jun 21
    Reported Jul 26
    		$0.45$0.38+18.42%Beat+114.3%
    Mar 21
    Reported Apr 26
    		$0.49$0.35+40.00%Beat+226.7%
    Dec 20
    Reported Jan 27
    		$0.31$0.30+3.33%Beat+10.7%
    Sep 20
    Reported Oct 26
    		$0.30$0.22+36.36%Beat+66.7%
    Jun 20
    Reported Jul 27
    		$0.21$0.16+31.25%Beat+40.0%
    Mar 20
    Reported Apr 27
    		$0.15$0.23-34.78%Miss-31.8%
    Dec 19
    Reported Jan 29
    		$0.28$0.21+33.33%Beat+33.3%
    Sep 19
    Reported Oct 29
    		$0.18$0.21-14.29%Miss-35.7%
    Jun 19
    Reported Jul 24
    		$0.15$0.23-34.78%Miss-37.5%
    Mar 19
    Reported Apr 29
    		$0.22$0.21+4.76%Beat-4.3%
    Dec 18
    Reported Jan 24
    		$0.21$0.26-19.23%Miss+16.7%
    Sep 18
    Reported Oct 22
    		$0.28$0.25+12.00%Beat+33.3%
    Jun 18
    Reported Jul 23
    		$0.24$0.26-7.69%Miss+60.0%
    Mar 18
    Reported Apr 23
    		$0.23$0.25-8.00%Miss+35.3%
    Dec 17
    Reported Jan 30
    		$0.18$0.19-5.26%Miss+12.5%
    Sep 17
    Reported Oct 30
    		$0.21$0.15+40.00%Beat-
    Jun 17
    Reported Jul 24
    		$0.15$0.16-6.25%Miss-
    Mar 17
    Reported Apr 24
    		$0.17$0.19-10.53%Miss-
    Dec 16
    Reported Jan 30
    		$0.16$0.17-5.88%Miss-

    Dividends

    Dividend Metrics

    Forward Yield2.05%
    Forward Annual Dividend$0.36
    Payout Ratio19.45%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+0.00%
    5Y CAGR+14.87%
    FRBA dividend history and ex-dividend datesRun FRBA in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.41EV/EBITDA11.44x
    Price/FCF8.70xFCF Yield11.50%
    Profitability
    Profit Margin31.70%Operating Margin43.60%
    ROE9.72%ROIC5.70%
    Financial Health
    Debt/Equity0.61xInterest Coverage0.59x
    Current Ratio0.39xQuick Ratio0.39x
    Trading Statistics
    Beta0.56Avg Volume90.10K
    52-Week High$19.3352-Week Low$14.26

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$17.63
    SMA 20$17.63
    SMA 50$18.00
    SMA 200$16.78
    EMA 10$17.61
    EMA 20$17.67
    EMA 50$17.73
    EMA 200$16.91

    MACD

    Line: -0.08Signal: -0.10Hist: 0.02

    ADX

    ADX: 19.6+DI: 17.8-DI: 26.8

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down64.0
    PSAR$17.11

    Bollinger Bands

    Upper Band$17.91
    Lower Band$17.35
    %B Position319%(Upper)
    Band Width0.43

    RSI (14-Day)

    Neutral
    46.6

    Momentum Oscillators

    Stoch %K60.8
    Stoch %D59.2
    Williams %R-42.6
    ROC (10d)2.0%
    Momentum0.35
    CCI (20d)-80.2
    MFI (14d)42.8

    Volatility Measures

    ATR (14d)$0.39(2.2%)
    StdDev (20d)0.14
    Hist Vol14.7%(Low)

    Volume Flow

    VWAP$17.49
    OBV-103.1K
    AD Line-18.3M
    CMF (20d)0.049

    Volume Metrics

    Avg Vol (20d)90.3K
    Vol Ratio1.2x
    VWMA (20d)$17.62

    Pivot Points

    R3$18.37
    R2$18.16
    R1$17.89
    Pivot Point$17.69
    S1$17.42
    S2$17.21
    S3$16.94

    Advanced Oscillators

    TSI-8.62
    Ultimate Osc51.6
    KST-23.14

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$59.42M$58.24M$64.54M$63.59M$61.87M$57.76M$59.02M$58.64M$56.25M$55.53M$50.17M$50.11M
    Cost of Revenue$24.70M$27.40M$28.93M$28.63M$27.72M$25.24M$25.48M$27.65M$25.08M$22.55M$21.87M$27.97M
    Gross Profit$34.72M$30.84M$35.61M$34.97M$34.15M$32.52M$33.54M$30.99M$31.17M$32.98M$28.29M$22.14M
    Operating Expenses$20.15M$20.94M$19.02M$19.67M$20.87M$20.38M$19.12M$18.64M$17.95M$17.81M$17.94M$23.49M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$13.71M$12.76M$13.33M$11.86M$12.45M$11.61M$11.05M$10.69M$10.49M$10.52M$9.52M$9.82M
    Operating Income$14.58M$9.90M$16.59M$15.30M$13.29M$12.13M$14.41M$12.35M$13.21M$15.17M$10.36M$-1,349,000
    Interest Income$0$55.85M$60.32M$61.17M$59.17M$55.79M$56.84M$56.16M$55.56M$53.56M$53.17M$49.92M
    Interest Expense$22.47M$21.84M$24.14M$25.63M$25.16M$23.70M$25.25M$26.07M$25.02M$23.25M$22.17M$21.32M
    Income Before Tax$14.58M$9.90M$16.59M$15.30M$13.29M$12.13M$14.41M$12.35M$13.21M$15.17M$10.36M$-1,349,000
    Income Tax Expense$3.72M$2.25M$4.26M$3.58M$3.05M$2.75M$3.92M$4.19M$2.14M$2.66M$1.98M$-78,000
    Net Income$10.86M$7.65M$12.32M$11.71M$10.24M$9.38M$10.50M$8.16M$11.07M$12.51M$8.38M$-1,271,000
    EBITDA$14.58M$10.96M$17.63M$16.28M$14.36M$13.26M$15.48M$13.46M$14.29M$16.23M$11.43M$-469,000
    EBITN/A$9.90M$16.59M$15.30M$13.29M$12.13M$14.41M$12.35M$13.21M$15.17M$10.36M$-1,349,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    First Bank donates $10,000 to Hope for Children Research Foundation

    First Bank and its charitable foundation have donated $10,000 to the Hope for Children Research Foundation, a Ramsey-based nonprofit. This contribution supports the foundation's mission of pediatric research, advocacy...

    Real Estate NJ•10/12/26•Bullish

    First Bank Announces Third Quarter 2026 Earnings Conference Call

    First Bank (Nasdaq Global Market: FRBA) has announced its third-quarter 2026 earnings conference call will take place on Friday, October 23, 2026...

    Yahoo Finance•9/30/26•Neutral

    First Bank Announces Third Quarter 2026 Earnings Conference Call

    First Bank (FRBA) announced its third-quarter 2026 earnings conference call will be held on Friday, October 23, 2026, at 9:00 a.m. Eastern Time. Key executives will discuss the financial and operating performance...

    GlobeNewswire•9/30/26•Neutral

    FRBA Archives

    This page provides news and articles related to First Bank (NJ) (FRBA), a community-focused bank operating in New Jersey and Pennsylvania. It details the bank's stock data, financial products...

    24/7 Wall St.•8/5/26•Neutral

    Why First BanCorp ( FBP ) is a Top Dividend Stock for Your Portfolio

    Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First BanCorp (FBP) have what it takes? Let's find out.

    Zacks Commentary•7/29/26•Neutral

    FRBA Valuation and Fair Value

    P/E
    10.4x
    Forward P/E
    8.3x
    EV/EBITDA
    11.4x
    P/FCF
    8.7x
    PEG
    0.0x
    P/B
    1.0x
    See GNG's fair value

    FRBA Profitability: Margins, ROIC and FCF

    Gross margin
    55.4%
    Operating margin
    43.6%
    Net margin
    31.7%
    ROIC
    5.7%
    ROE
    9.7%
    FCF margin
    20.6%
    FCF yield
    11.5%

    FRBA Competitors

    CompanyTicker
    Citizens & Northern CorpCZNC
    Nuveen Variable Rate Preferred & Income FundNPFD
    AMERISAFE IncAMSF
    RBB BancorpRBB
    Guggenheim Active Allocation FundGUG
    Plumas BancorpPLBC
    Agriculture & Natural Solutions Acquisition Corporation Class A Ordinary SharesANSC
    Gladstone Capital CorporationGLAD

    Sector: Financial Services

    FRBA Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    1
    Buy
    1
    Hold
    1
    Sell
    0
    Strong Sell
    0

    FRBA Bull Case vs Bear Case

    Bull case

    • FRBA converts 20.6% of revenue into free cash flow.
    • FRBA has a 31.7% net profit margin.

    Bear case

    • FRBA beat EPS estimates in 37.5% of its last 8 reported quarters.

    FRBA Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -4.7%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.44
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    3 up, 0 down

    FRBA Dividend

    Forward yield
    2.0%
    Payout ratio
    19.5%
    3Y DPS growth
    0.0%
    5Y DPS growth
    14.9%
    Pay months
    Feb, May, Aug, Nov
    FRBA dividend history

    Frequently Asked Questions About FRBA

    What is FRBA's current dividend yield?

    First Bank (FRBA) has a forward dividend yield of 2.05%.

    Does FRBA pay dividends?

    Yes, First Bank pays dividends with a forward dividend yield of 2.05%.

    What is FRBA's P/E ratio?

    First Bank has a price-to-earnings (P/E) ratio of 10.41.

    What is FRBA's market cap?

    First Bank (FRBA) has a market capitalization of $435.42M with a current stock price of $17.59.

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