Republic First Bancorp, Inc. (FRBK) 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.
Republic First Bancorp, Inc. (FRBK) trades at $0.01 with AI Score 52/100 (Grade B). Republic First Bancorp, Inc. operates as the holding company for Republic First Bank, providing banking products and services to individuals and businesses. Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: May 10, 2026Analyst Coverage for FRBK: FRBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FRBK against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FRBK: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- 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.
Republic First Bancorp, Inc. (FRBK) Financial Services Profile
Republic First Bancorp, Inc., operating as Republic First Bank, offers diverse banking solutions, including deposit accounts and loans, across the Northeastern United States. With a focus on commercial and retail clients, the company navigates a competitive regional banking landscape while maintaining a profit margin of 17.0%.
What Is the Investment Thesis for FRBK?
Republic First Bancorp, Inc. presents a mixed investment profile. The company's P/E ratio of 0.0 suggests potential undervaluation, while a gross margin of 101.3% indicates efficient operations. However, the absence of a dividend yield may deter income-focused investors. Growth catalysts include expanding their loan portfolio and increasing deposit accounts. Key risks involve navigating the competitive regional banking sector and managing interest rate sensitivity. Investors should closely monitor FRBK's ability to maintain profitability and manage its balance sheet effectively.
Based on FMP financials and quantitative analysis
FRBK Key Highlights
Republic First Bancorp, Inc. operates with a profit margin of 17.0%, indicating solid profitability.
- The company's gross margin stands at 101.3%, reflecting efficient cost management.
- Republic First Bancorp, Inc. has a beta of -0.20, suggesting lower volatility compared to the overall market.
- The company operates 34 offices across New Jersey, Pennsylvania, and New York, providing a regional presence.
- Republic First Bancorp, Inc. has a P/E ratio of 0.0, potentially indicating an undervalued stock.
Who Are FRBK's Competitors?
FRBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WAL Western Alliance Bancorporation | $80.17 | -0.29% | $8.75B | 30 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FRBK's Key Strengths?
Established regional presence in key markets.
- Diversified portfolio of banking products and services.
- Experienced management team.
- High gross margin of 101.3%.
What Are FRBK's Weaknesses?
Limited geographic reach compared to larger national banks.
- Dependence on traditional banking services.
- Lack of dividend yield may deter some investors.
- Market Cap of $0.00B
What Could Drive FRBK Stock Higher?
Potential for increased profitability through expansion of commercial lending operations.
- Continued growth in digital banking adoption and customer engagement.
- Strategic acquisitions to expand geographic footprint and market share.
What Are the Key Risks for FRBK?
Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 8 reported quarters.
- Fluctuations in interest rates impacting net interest margin.
- Increased regulatory scrutiny and compliance costs.
- Credit losses in loan portfolio due to economic downturn.
- Intense competition from larger national and regional banks.
What Are the Growth Opportunities for FRBK?
- Expansion of Commercial Lending: Republic First Bancorp, Inc. can capitalize on the growing demand for commercial loans among small and medium-sized businesses in its operating regions. By offering competitive rates and tailored financial solutions, the bank can attract new clients and increase its loan portfolio. The commercial lending market is projected to grow at a rate of 4% annually, presenting a significant opportunity for FRBK to expand its market share. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking platforms and mobile applications can enhance customer experience and attract a younger demographic. The increasing adoption of digital banking services provides an opportunity for Republic First Bancorp, Inc. to streamline operations, reduce costs, and expand its reach beyond physical branch locations. The digital banking market is expected to grow by 8% annually. Timeline: Ongoing.
- Strategic Acquisitions: Republic First Bancorp, Inc. can pursue strategic acquisitions of smaller banks or credit unions to expand its geographic footprint and customer base. This approach can provide access to new markets and diversify revenue streams. The consolidation trend in the banking industry presents opportunities for FRBK to grow through acquisitions. Timeline: Ongoing.
- Enhancing Wealth Management Services: Republic First Bancorp, Inc. can expand its wealth management services to cater to high-net-worth individuals and families. By offering personalized investment advice, financial planning, and trust services, the bank can generate additional fee income and strengthen customer relationships. The wealth management market is projected to grow at a rate of 6% annually. Timeline: Ongoing.
- Focus on Mortgage Lending: Republic First Bancorp, Inc. can increase its focus on mortgage lending by offering competitive rates and flexible loan options. The demand for mortgages remains strong, driven by low interest rates and a growing housing market. By expanding its mortgage portfolio, the bank can generate significant revenue and increase its market share. The mortgage lending market is expected to grow by 5% annually. Timeline: Ongoing.
What Are FRBK's Competitive Advantages?
- Established regional presence with 34 offices.
- Strong relationships with local businesses and communities.
- Diversified portfolio of banking products and services.
- Experienced management team with deep industry knowledge.
What Does FRBK Do?
Founded in 1987 and headquartered in Philadelphia, Pennsylvania, Republic First Bancorp, Inc. functions as the holding company for Republic First Bank. The bank provides a comprehensive suite of credit and depository banking products and services tailored to both individual consumers and commercial businesses. These offerings include a variety of deposit accounts such as consumer and commercial checking, interest-bearing demand, money market, savings, sweep, and individual retirement accounts, alongside certificates of deposit. Republic First Bank also extends secured and unsecured commercial loans, real estate financing, construction and land development loans, auto loans, and home improvement loans. Additionally, they offer mortgages, home equity lines of credit, overdraft lines, and lockbox services. As of April 5, 2022, Republic First Bank operates 34 offices strategically located within Atlantic, Burlington, Camden, and Gloucester counties in New Jersey; Bucks, Delaware, Montgomery, and Philadelphia counties in Pennsylvania; and New York County in New York. The bank's operational footprint reflects a commitment to serving the financial needs of communities throughout the Northeastern United States.
What Products and Services Does FRBK Offer?
- Provides consumer and commercial deposit accounts.
- Offers checking, savings, and money market accounts.
- Provides certificates of deposit and individual retirement accounts.
- Offers secured and unsecured commercial loans.
- Provides real estate and construction loans.
- Offers automobile and home improvement loans.
- Provides mortgages and home equity lines of credit.
- Offers lockbox services.
How Does FRBK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through diversification of loan portfolio.
- Expands customer base through strategic branch locations and digital banking.
What Industry Does FRBK Operate In?
Republic First Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate fluctuations, economic growth, and technological advancements. Competitors like Western Alliance Bancorporation (WAL) are vying for market share. Republic First Bancorp, Inc. must adapt to changing consumer preferences and maintain a strong capital base to thrive in this environment.
Who Are FRBK's Key Customers?
- Individual consumers seeking deposit and loan products.
- Small and medium-sized businesses requiring commercial banking services.
- Real estate developers and investors seeking financing.
- High-net-worth individuals seeking wealth management services.
Earnings Track Record
Republic First Bancorp, Inc. has missed Wall Street's EPS estimate in 5 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 41.9% below estimates on average.
FRBK Valuation & Market Position
Relative to its peer group, FRBK's quantitative score of 52/100 is below the peer average of 80/100.
Key Financial Metrics
Return on equity for Republic First Bancorp, Inc. stands at 8.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. FRBK trades at a trailing price-to-earnings ratio of 0.02, below the Financial Services sector average of ~18x.
Financial Health
Republic First Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Republic First Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Philadelphia, US. The company is led by CEO Thomas X. Geisel. FRBK has traded publicly since 1988.
FRBK Financials
Bull Case vs Bear Case
Bull Case
- Established regional presence in key markets.
- Diversified portfolio of banking products and services.
- Experienced management team.
- High gross margin of 101.3%.
Bear Case
- Limited geographic reach compared to larger national banks.
- Dependence on traditional banking services.
- Lack of dividend yield may deter some investors.
- Market Cap of $0.00B
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
FRBK Latest News
No recent news available for FRBK.
FRBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FRBK.
Price Targets
Wall Street price target analysis for FRBK.
FRBK MoonshotScore
What does this score mean?
The MoonshotScore rates FRBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Thomas X. Geisel
Unknown
Information about Thomas X. Geisel's background is not available within the provided data. Therefore, details regarding his career history, education, previous roles, and credentials cannot be provided. Further research would be required to provide a comprehensive profile.
Track Record: Due to the lack of available information regarding Thomas X. Geisel's background, it is not possible to assess his track record, key achievements, strategic decisions, or company milestones under his leadership. Additional data is needed to evaluate his performance and contributions to Republic First Bancorp, Inc.
Republic First Bancorp, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for FRBK?
FRBK holds an AI Score of 52/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Republic First Bancorp, Inc. operates as the holding company for Republic First Bank, providing banking products and services to individuals and businesses. The bank operates 34 offices across New …
What does Republic First Bancorp, Inc. do?
Republic First Bancorp, Inc., operating as Republic First Bank, provides a range of banking products and services to individuals and businesses. These include deposit accounts such as checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts.
What do analysts say about FRBK stock?
Analyst opinions on Republic First Bancorp, Inc. (FRBK) are currently unavailable due to lack of coverage. Key valuation metrics, such as price targets and ratings, are not readily accessible. Investors should conduct their own due diligence and consider factors such as the company's financial performance, growth prospects, and industry trends before making any investment decisions. Further research is needed to assess analyst consensus and potential investment opportunities.
What are the main risks for FRBK?
Republic First Bancorp, Inc. faces several risks inherent to the banking industry. Fluctuations in interest rates can impact the bank's net interest margin, affecting profitability. Increased regulatory scrutiny and compliance costs can strain resources. Credit losses in the loan portfolio, particularly during economic downturns, pose a significant threat.
What are the key factors to evaluate for FRBK?
Republic First Bancorp, Inc. (FRBK) holds an AI score of 52/100 (moderate). P/E: 0.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FRBK data refresh on this page?
FRBK's price was last updated on Aug 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 FRBK's recent stock price performance?
Republic First Bancorp, Inc. (FRBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established regional presence in key markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FRBK overvalued or undervalued right now?
Republic First Bancorp, Inc. (FRBK) trades at 0.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FRBK before investing?
Before investing in Republic First Bancorp, Inc. (FRBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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 data as of 2026-05-10.
- CEO background and analyst opinions are limited due to data constraints.