First Bank (FRBA) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Bank (FRBA) trades at $17.65 with AI Score 90/100 (Grade A+). First Bank, headquartered in Hamilton, NJ, provides banking products and services to individuals, businesses, and governmental entities. Market cap: $444M, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: May 10, 2026FRBA stock analysis for 2026: Analysts have set a consensus price target of $18.83 for First Bank, suggesting 6.7% upside from the current price of $17.65. The AI MoonshotScore is 90/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
FRBA: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
First Bank (FRBA) Financial Services Profile
First Bank (FRBA) is a regional bank providing diverse financial services, including commercial and industrial loans, real estate financing, and consumer lending, primarily in New Jersey and Pennsylvania. The company operates with a focus on traditional banking services complemented by modern electronic banking solutions, serving individuals, businesses, and governmental entities.
What Is the Investment Thesis for FRBA?
First Bank (FRBA) presents a compelling investment case based on its established regional presence, diversified loan portfolio, and commitment to both traditional and modern banking services. With a market capitalization of $444M and a P/E ratio of 8.8, FRBA demonstrates financial stability and growth potential. The bank's profit margin of 16.9% and gross margin of 54.6% indicate efficient operations and profitability. Key value drivers include its strategic branch locations in New Jersey and Pennsylvania, which support strong customer relationships and local market penetration. Growth catalysts include the expansion of its electronic banking services and the potential for increased commercial lending activity. However, potential risks include sensitivity to interest rate fluctuations and competition from larger national banks. The dividend yield of 1.98% offers an additional incentive for investors seeking income.
Based on FMP financials and quantitative analysis
FRBA Key Highlights
- Market capitalization of $444M, reflecting a solid valuation in the regional banking sector.
- P/E ratio of 8.8, indicating a potentially undervalued stock relative to its earnings.
- Profit margin of 16.9%, showcasing efficient profitability compared to industry peers.
- Gross margin of 54.6%, highlighting strong revenue management and cost control.
- Dividend yield of 1.98%, providing a steady income stream for investors.
Who Are FRBA's Competitors?
FRBA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| RBB RBB Bancorp | $26.75 | -1.15% | $453M | 93 |
| PCB PCB Bancorp | $29.59 | -0.74% | $421M | 93 |
| PDLB Ponce Financial Group, Inc. | $20.02 | -1.14% | $484M | 92 |
| OBT Orange County Bancorp, Inc. | $37.39 | -0.45% | $501M | 92 |
| PKBK Parke Bancorp, Inc. | $32.74 | -1.03% | $388M | 93 |
| FNLC The First Bancorp, Inc. | $34.36 | -0.43% | $387M | 92 |
| BCML BayCom Corp | $33.89 | -0.24% | $370M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.58 | -2.77% | $344M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FRBA's Key Strengths?
- Strong regional presence in New Jersey and Pennsylvania.
- Diversified loan portfolio.
- Commitment to both traditional and modern banking services.
- Experienced management team.
What Are FRBA's Weaknesses?
- Limited geographic reach compared to larger national banks.
- Reliance on traditional branch network.
- Sensitivity to interest rate fluctuations.
- Lower brand recognition compared to larger competitors.
What Could Drive FRBA Stock Higher?
- Expansion of electronic banking services to attract and retain customers.
- Increased commercial lending activity targeting small and medium-sized businesses.
- Potential strategic branch expansion in underserved markets within New Jersey and Pennsylvania.
- Partnerships with fintech companies to offer innovative financial products and services.
What Are the Key Risks for FRBA?
- Financial-distress signal — its Altman Z-Score of -0.59 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn impacting loan performance and asset quality.
- Competition from larger national banks and credit unions.
- Regulatory changes increasing compliance costs and operational burdens.
- Cybersecurity threats and data breaches compromising customer data and financial stability.
- Sensitivity to interest rate fluctuations affecting net interest margin.
What Are the Growth Opportunities for FRBA?
- Expansion of Electronic Banking Services: First Bank can capitalize on the increasing demand for digital banking solutions by further expanding its online and mobile banking services. This includes enhancing mobile app features, improving online account management tools, and offering more personalized digital experiences. The market for digital banking is projected to reach $9.08 trillion by 2032, growing at a CAGR of 9.3% from 2023. By investing in technology and innovation, First Bank can attract and retain customers, reduce operational costs, and increase its market share.
- Increased Commercial Lending Activity: First Bank has a significant opportunity to grow its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its operating regions. With a focus on relationship banking and local market expertise, First Bank can provide customized financing solutions to meet the specific needs of SMBs. The SMB lending market is estimated to be worth $800 billion annually. By actively engaging with local business communities and offering competitive loan products, First Bank can drive revenue growth and strengthen its position as a leading regional bank.
- Strategic Branch Expansion: While digital banking is growing, physical branches remain important for customer acquisition and relationship building. First Bank can strategically expand its branch network in underserved markets within New Jersey and Pennsylvania. New branches can serve as hubs for customer service, financial education, and community engagement. The key is to select locations with high growth potential and limited competition. Each new branch represents an opportunity to capture new deposits, increase loan volume, and expand First Bank's brand presence.
- Enhanced Cash Management Services: First Bank can enhance its cash management services for businesses by offering more sophisticated tools and solutions. This includes services such as automated clearing house (ACH) processing, lockbox services, and online cash management platforms. The market for cash management services is projected to grow at a CAGR of 6.5% over the next five years. By providing comprehensive cash management solutions, First Bank can attract and retain business customers, generate fee income, and strengthen its overall financial performance.
- Partnerships with Fintech Companies: First Bank can partner with fintech companies to offer innovative financial products and services to its customers. This includes partnerships with companies specializing in online lending, payment processing, and financial planning. By leveraging the technology and expertise of fintech companies, First Bank can enhance its product offerings, improve customer experience, and reach new markets. These partnerships can also help First Bank stay ahead of the curve in the rapidly evolving financial landscape.
What Opportunities Does FRBA Have?
- Expansion of electronic banking services.
- Increased commercial lending activity.
- Strategic branch expansion in underserved markets.
- Partnerships with fintech companies.
What Threats Does FRBA Face?
- Competition from larger national banks and credit unions.
- Economic downturn impacting loan performance.
- Regulatory changes increasing compliance costs.
- Cybersecurity threats and data breaches.
What Are FRBA's Competitive Advantages?
- Established regional presence in New Jersey and Pennsylvania.
- Strong relationships with local businesses and communities.
- Diversified loan portfolio reducing risk.
- Combination of traditional and modern banking services.
What Does FRBA Do?
First Bank, incorporated in 2007 and headquartered in Hamilton, New Jersey, offers a comprehensive suite of banking products and services to individuals, businesses, and governmental entities. The bank's foundation is built upon traditional banking values, providing personalized service through its network of 18 full-service branches located in New Jersey and Pennsylvania. These branches are strategically positioned in counties such as Cinnaminson, Cranbury, and Doylestown, ensuring a strong local presence. First Bank's deposit products include non-interest bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking accounts, catering to a diverse range of customer needs. Its loan portfolio is equally varied, featuring commercial and industrial loans, commercial real estate loans (owner-occupied, investor, construction and development, and multi-family), residential real estate loans (residential mortgages, first and second lien home equity loans, and revolving lines of credit), and consumer loans (auto, personal, and traditional installment loans). Beyond traditional banking, First Bank embraces modern technology through its electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone. The bank also offers ATM and debit cards, wire and ACH transfer services, remote deposit capture, and cash management services, enhancing convenience and efficiency for its customers. This blend of traditional and modern services allows First Bank to compete effectively in the evolving financial landscape, maintaining a strong position in its regional market. Its commitment to serving local communities and businesses has been a cornerstone of its growth and success since its inception.
What Products and Services Does FRBA Offer?
- Accepts deposits, including non-interest and interest-bearing accounts.
- Provides commercial and industrial loans to businesses.
- Offers commercial real estate loans for various property types.
- Provides residential real estate loans, including mortgages and home equity lines of credit.
- Offers consumer loans, such as auto, personal, and installment loans.
- Provides electronic banking services, including online and mobile banking.
- Offers cash management services to businesses.
- Provides ATM and debit cards, wire and ACH transfer services.
How Does FRBA Make Money?
- Generates revenue through interest income from loans.
- Earns fee income from services like electronic banking and cash management.
- Manages deposits and uses them to fund lending activities.
- Maintains a network of branches to serve customers in New Jersey and Pennsylvania.
What Industry Does FRBA Operate In?
First Bank operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing a digital transformation, with customers increasingly demanding online and mobile banking solutions. Regional banks like First Bank face competition from larger national banks and credit unions, as well as fintech companies offering specialized financial services. The market is influenced by interest rate trends, regulatory changes, and economic conditions. The regional banking sector is expected to grow modestly, driven by increased lending activity and deposit growth. First Bank's focus on local markets and diversified service offerings positions it to capitalize on these trends.
Who Are FRBA's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Governmental entities needing financial services.
- Real estate investors and developers seeking financing.
F-Score 8/9Financial Health
First Bank's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.59 places it in the distress zone, a signal of elevated financial risk.
ROE 10%Key Financial Metrics
Return on equity for First Bank stands at 9.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. FRBA trades at a trailing price-to-earnings ratio of 8.80, below the Financial Services sector average of ~18x. Its free cash flow yield is 12.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.5%, the inverse of the P/E and a quick read on earnings relative to price.
First Bank (FRBA) Valuation Context
Valued at $444M, FRBA is classified as a small-cap stock. Relative to its peer group, FRBA's quantitative score of 90/100 is roughly in line with the peer average of 93/100.
FY2026 estForward Outlook
Wall Street analysts project First Bank revenue of about $149.8M for fiscal 2026, with EPS near $1.57.
FRBA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see long-term value, mirroring confidence seen before past rallies in regional banking stocks.
- Positive community sentiment indicates strong retail investor backing, similar to the early days of Tesla's retail-driven surge.
- The company's focus on local markets could provide resilience against broader economic downturns, like niche players during the 2008 crisis.
- First Bank's community engagement fosters brand loyalty, potentially insulating it from competitive pressures, much like established brands in stable sectors.
Bear Case
- Increased chatter about regional banking risks could trigger a sell-off, regardless of First Bank's fundamentals, like the contagion fears during the Lehman Brothers collapse.
- Negative community sentiment, even if localized, can amplify concerns and drive down the stock price, similar to how rumors affected Bear Stearns.
- Shifting market perception of community banks may lead to decreased investor interest, resembling the decline of certain sectors during the dot-com bust.
- Recent market developments suggest increased regulatory scrutiny, potentially impacting First Bank's operational flexibility, similar to post-Enron regulations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
FRBA Latest News
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Earnings Scheduled For April 27, 2026
benzinga · Apr 27, 2026
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Stocks That Hit 52-Week Lows On Monday
· Jan 27, 2020
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Stocks That Fell Through 52-Week Lows Wednesday
· Aug 7, 2019
FRBA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FRBA.
Price Targets
Consensus target: $18.83
FRBA MoonshotScore
What does this score mean?
The MoonshotScore rates FRBA 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Patrick L. Ryan
CEO
Patrick L. Ryan serves as the CEO of First Bank, bringing extensive experience in the financial services industry. His career spans various leadership roles, including significant positions in commercial lending and banking operations. Ryan's background includes a strong focus on strategic planning, risk management, and customer relationship management. He has a proven track record of driving growth and profitability in regional banking institutions. His expertise is instrumental in guiding First Bank's strategic direction and operational efficiency.
Track Record: Under Patrick L. Ryan's leadership, First Bank has focused on expanding its commercial lending portfolio and enhancing its electronic banking services. Key achievements include increasing market share in its core operating regions and improving customer satisfaction scores. Ryan has also overseen the implementation of several strategic initiatives aimed at streamlining operations and reducing costs. His leadership has contributed to the bank's consistent financial performance and growth.
What Investors Ask About First Bank (FRBA) — Financial Services
What does the AI Score mean for FRBA?
FRBA holds an AI Score of 90/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. First Bank, headquartered in Hamilton, NJ, provides banking products and services to individuals, businesses, and governmental entities. With 18 full-service branches across New Jersey …
What does First Bank do?
First Bank provides a range of banking products and services to individuals, businesses, and governmental entities. Its offerings include deposit accounts, commercial and industrial loans, real estate financing, and consumer lending. The bank operates through a network of branches in New Jersey and Pennsylvania, complemented by electronic banking services.
What do analysts say about FRBA stock?
Analyst coverage of First Bank (FRBA) typically focuses on its regional market position, loan portfolio quality, and growth potential. Key valuation metrics such as the P/E ratio and dividend yield are closely monitored.
What are the main risks for FRBA?
First Bank faces several key risks, including economic downturns that could impact loan performance and asset quality. Competition from larger national banks and credit unions poses a constant threat to its market share. Regulatory changes, such as increased capital requirements or compliance costs, could negatively affect its profitability.
How sensitive is FRBA to interest rate changes?
As a regional bank, First Bank's profitability is directly influenced by interest rate movements. Its net interest margin, the difference between interest income from loans and interest expense on deposits, is a key indicator of this sensitivity. Rising interest rates can increase the bank's lending income, but also raise deposit costs, potentially squeezing margins if not managed effectively.
What regulatory challenges does First Bank face?
First Bank, like all financial institutions, operates under a stringent regulatory framework designed to ensure stability and protect consumers. Key regulatory challenges include complying with capital requirements set by the Federal Reserve, which dictate the amount of capital the bank must hold relative to its assets.
What are the key factors to evaluate for FRBA?
First Bank (FRBA) holds an AI score of 90/100 (high). P/E: 8.8x vs the S&P 500's ~20-25x. Analysts target $18.83 (+7%). Not financial advice.
How frequently does FRBA data refresh on this page?
FRBA's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FRBA's recent stock price performance?
First Bank (FRBA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in New Jersey and Pennsylvania. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available company data and may be subject to change.
- Financial metrics are as of the latest available reporting period.