First Republic Bank (FRCB) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 0.00 means the share price is 0.00 times one year of earnings per share. Beta 3.31: the stock has moved about 231% more than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerFirst Republic Bank (FRCB) trades at $0.0008. As of May 1, 2023, First Republic Bank ceased operations, having previously offered private banking, private business banking, and private wealth management services. Sector: Financials.
Price as of · Last analyzed: Jun 15, 2026Analyst Coverage for FRCB: FRCB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
First Republic Bank (FRCB) Financial Services Profile
First Republic Bank (FRCB), formerly a San Francisco-based financial institution, provided private banking, business banking, and wealth management services to clients in metropolitan U.S. areas. The company ceased operations on May 1, 2023, and its shares currently trade on the OTCPK market, reflecting its inactive status.
What Is the Investment Thesis for FRCB?
The investment thesis for First Republic Bank (FRCB) is fundamentally altered by its cessation of operations on May 1, 2023. With a reported market capitalization of $0.00B and a P/E ratio of 0.00, the company no longer possesses traditional value drivers or growth catalysts. The historical financial metrics, such as a 25.0% profit margin and 85.1% gross margin, pertain to its operational period and are not indicative of its current state. As an entity that has gone out of business, FRCB does not generate revenue, hold assets in an ongoing operational capacity, or pursue strategic growth initiatives. Consequently, any potential "investment" in FRCB shares on the OTCPK market is highly speculative, representing a bet on potential residual value from liquidation, if any, or market inefficiencies rather than fundamental business performance. The primary risk factor is the complete loss of capital, as there is no underlying business to support the share price. Investors considering FRCB must acknowledge its defunct status and the absence of any operational basis for future value appreciation.
Based on FMP financials and quantitative analysis
FRCB Key Highlights
Market Capitalization: $0.00B, reflecting the company's cessation of operations as of May 1, 2023.
- Price-to-Earnings (P/E) Ratio: 0.00, indicating no ongoing earnings given the company is out of business.
- Historical Profit Margin: 25.0%, representing profitability during its operational period prior to May 2023.
- Historical Gross Margin: 85.1%, reflecting the efficiency of its past revenue generation before ceasing operations.
- Beta: 3.31, suggesting high historical volatility relative to the broader market during its active business phase.
Who Are FRCB's Competitors?
FRCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| USB U.S. Bancorp | $57.51 | +0.26% | $89.6B | 89 5-pillar |
| BBD Banco Bradesco S.A. | $3.65 | +3.99% | $38.6B | 94 5-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $78.03 | +1.87% | $36.9B | 98 5-pillar |
| CIB Grupo Cibest S.A. | $91.91 | +0.91% | $21.8B | 98 5-pillar |
| WF Woori Financial Group Inc. | $75.21 | +2.89% | $18.3B | 98 5-pillar |
| ZIONP Zions Bancorporation, National Association | $17.68 | -2.31% | $9.80B | 90 5-pillar |
| CBC Central Bancompany, Inc. Class A Common Stock | $32.03 | +1.55% | $7.68B | 91 5-pillar |
| UBSI United Bankshares, Inc. | $47.04 | +1.38% | $6.48B | 92 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FRCB's Key Strengths?
Historically, a strong reputation for personalized client service in private banking.
- Specialized focus on high-net-worth individuals and private businesses.
- Established presence in key metropolitan markets.
What Are FRCB's Weaknesses?
Cessation of all business operations as of May 1, 2023.
- Lack of ongoing revenue generation or operational assets.
- Shares trading on OTCPK with no underlying business activity.
What Are the Key Risks for FRCB?
Financial-distress signal — its Altman Z-Score of -0.37 sits in the distress zone (elevated bankruptcy risk).
- **Cessation of Operations**: First Republic Bank went out of business on May 1, 2023, meaning there is no underlying operational business to generate revenue or value for shareholders.
- **Complete Loss of Investment**: Given the company's defunct status and $0.00B market cap, there is a significant risk of shareholders losing their entire investment.
- **Illiquidity and Volatility**: Trading on the OTC Other market, FRCB shares are likely to experience extremely low liquidity, wide bid-ask spreads, and high price volatility, making it difficult to buy or sell.
- **Lack of Disclosure**: The "Unknown" disclosure status means investors have little to no access to current financial or operational information, hindering informed decision-making.
- **Delisting Risk**: Shares of a defunct company on the OTC market may face delisting, further reducing any potential for trading or recovery of value.
What Are FRCB's Competitive Advantages?
- Historically, a strong emphasis on personalized, high-touch client service for affluent individuals and businesses.
- Deep, long-standing client relationships built on trust and tailored financial solutions.
- Specialized expertise in private banking and wealth management for a niche market segment.
- Focused geographic presence allowed for localized market understanding and community integration.
- As of May 1, 2023, these competitive advantages are no longer active as the company has ceased operations.
What Does FRCB Do?
First Republic Bank, established in 1985 and headquartered in San Francisco, California, was a prominent financial institution specializing in private banking, private business banking, and private wealth management services. The bank catered primarily to high-net-worth individuals, families, and businesses situated in key metropolitan areas across the United States. Its operational model was built around delivering highly personalized and relationship-based financial solutions, distinguishing itself from larger, more generalized commercial banks. The suite of services offered by First Republic Bank encompassed a broad spectrum of financial needs, including tailored lending products such as residential mortgages, home equity lines of credit, and personal loans, alongside comprehensive deposit services like checking, savings, and money market accounts. For its private business banking clients, the institution provided commercial loans, lines of credit, and treasury management services designed to support the unique operational and growth requirements of small to medium-sized enterprises. Furthermore, the private wealth management division offered sophisticated investment management, financial planning, trust, and brokerage services, aiming to preserve and grow clients' assets through customized strategies. The bank's evolution saw it expand its footprint and client base, establishing a reputation for exceptional client service and a deep understanding of its affluent clientele's financial intricacies. However, as of May 1, 2023, First Republic Bank ceased all operations and went out of business. Despite its operational cessation, the company's shares continue to trade on the OTCPK market, reflecting its historical presence rather than ongoing business activities.
What Products and Services Does FRCB Offer?
- Provided private banking services to high-net-worth individuals, including tailored lending and deposit solutions.
- Offered private business banking, supporting small to medium-sized enterprises with commercial loans and treasury management.
- Delivered private wealth management services, encompassing investment management, financial planning, and trust solutions.
- Operated in metropolitan areas across the United States, focusing on relationship-based client service.
- Facilitated various lending products such as residential mortgages and personal loans.
- Managed client deposits through checking, savings, and money market accounts.
- As of May 1, 2023, First Republic Bank ceased all business operations and is no longer an active financial institution.
How Does FRCB Make Money?
- Historically generated interest income from its loan portfolio, including residential mortgages and commercial loans.
- Derived fee income from private wealth management services, such as investment advisory and trust administration.
- Earned service charges and other non-interest income from various banking operations.
- Focused on a relationship-based model to attract and retain affluent clients and businesses.
- As of May 1, 2023, First Republic Bank no longer operates and thus does not generate revenue through these or any other means.
What Industry Does FRCB Operate In?
Prior to its cessation of operations on May 1, 2023, First Republic Bank operated within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by institutions that primarily serve specific geographic regions, often focusing on community banking, private wealth management, and tailored business services, distinguishing themselves from national or global banks. Regional banks typically compete on factors such as personalized customer service, local market expertise, and relationship-based lending. The competitive landscape included larger national banks, other regional players, and specialized wealth management firms. Market trends in the regional banking sector often revolve around interest rate environments, regulatory changes, and the economic health of local communities. First Republic Bank's positioning was unique due to its strong emphasis on private banking and wealth management for affluent clients, placing it in a niche that demanded high-touch service and sophisticated financial product offerings, contrasting with more generalist regional banks.
Who Are FRCB's Key Customers?
- High-net-worth individuals and families seeking personalized banking and wealth management.
- Small to medium-sized businesses requiring specialized commercial banking solutions.
- Clients primarily located in major metropolitan areas across the United States.
- As of May 1, 2023, First Republic Bank no longer serves any customers due to cessation of operations.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Key Financial Metrics
Return on equity for First Republic Bank stands at 10.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. FRCB trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~17.20x. A current ratio of 0.03 means current liabilities exceed short-term assets, a liquidity point worth watching.
Company Profile
First Republic Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in San Francisco, US. The company is led by CEO Michael J. Roffler. FRCB has traded publicly since 2010.
Financial Health
First Republic Bank's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.37 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
First Republic Bank has beaten Wall Street's EPS estimate in 4 of its last 4 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 22.0% above estimates on average.
Forward Outlook
Wall Street analysts project First Republic Bank revenue of about $1.70B for fiscal 2026, with EPS near $0.20.
FRCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
FRCB Latest News
No recent news available for FRCB.
FRCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for FRCB.
Price Targets
Wall Street price target analysis for FRCB.
FRCB MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for FRCB; grades run from A+ (80-100) to F (below 30).
Leadership: Michael J. Roffler
Former CEO
Specific details regarding Michael J. His tenure involved managing 7213 employees during the bank's operational period.
Track Record: Unknown. His role involved managing the bank's operations and its substantial employee base prior to its cessation of business.
FRCB OTC Market Information
First Republic Bank (FRCB) trades on the OTC Other tier of the OTC Markets Group. This tier is for companies that do not meet the disclosure or financial standards of higher tiers like OTCQX or OTCQB, or major exchanges like NYSE or NASDAQ. Companies in the OTC Other tier often have limited public information, may be in financial distress, or have ceased operations, as is the case with FRCB. Unlike exchange-listed stocks with stringent listing requirements, OTC Other has minimal entry criteria, leading to significantly higher risk and less transparency for investors.
- OTC Tier: OTC Other
- Ongoing: Complete cessation of business operations, meaning no underlying business or assets generating value.
- Ongoing: Extremely limited public disclosure, making fundamental analysis nearly impossible.
- Ongoing: High illiquidity and potential for wide bid-ask spreads on the OTC market.
- Potential: Risk of complete loss of investment due to the company being out of business.
- Potential: Vulnerability to market manipulation due to low transparency and trading volume.
- Verify the company's current legal status and any ongoing liquidation proceedings.
- Search for any public filings or news releases, however scarce, regarding asset disposition.
- Assess historical trading volumes and price volatility on the OTCPK.
- Understand the implications of "OTC Other" tier for disclosure and investor protection.
- Consult with a financial advisor experienced in distressed or defunct securities.
- Determine if there are any remaining assets or liabilities that could impact shareholders.
- Evaluate the potential for delisting from the OTC market.
- The company was a historically established financial institution, founded in 1985.
- It previously had a significant employee base (7213 employees).
- Its cessation of operations was a publicly known event.
- The shares are listed on a recognized, albeit unregulated, market (OTCPK).
First Republic Bank Financials Stock: Key Questions Answered
What is the current status of First Republic Bank (FRCB) shares trading on the OTCPK?
As of today, 2026-06-15, First Republic Bank (FRCB) shares trade on the OTCPK market, specifically within the OTC Other tier. It is crucial for investors to understand that the company officially went out of business on May 1, 2023.
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
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- The company, First Republic Bank (FRCB), ceased all operations on May 1, 2023. All descriptions of business activities, services, and competitive advantages refer to its historical operations prior to this date. Current financial metrics like Market Cap and P/E reflect its defunct status. Sections like 'growthOpportunities' and 'catalysts' explicitly state the absence of such for a non-operational entity. The analysis is strictly based on the provided source data, which is limited regarding the details of its cessation and liquidation process.