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FRBA
Upturn stock ratingUpturn stock rating

First Bank (FRBA)

Upturn stock ratingUpturn stock rating
$15.47
Last Close (24-hour delay)
Profit since last BUY1.51%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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  • YEAR
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Upturn Advisory Summary

06/30/2025: FRBA (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $18

1 Year Target Price $18

Analysts Price Target For last 52 week
$18Target price
Low$12.06
Current$15.47
high$15.68

Analysis of Past Performance

Type Stock
Historic Profit 27.55%
Avg. Invested days 51
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 5.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 385.92M USD
Price to earnings Ratio 10.01
1Y Target Price 18
Price to earnings Ratio 10.01
1Y Target Price 18
Volume (30-day avg) 3
Beta 0.75
52 Weeks Range 12.06 - 15.68
Updated Date 06/30/2025
52 Weeks Range 12.06 - 15.68
Updated Date 06/30/2025
Dividends yield (FY) 1.56%
Basic EPS (TTM) 1.54

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 30.51%
Operating Margin (TTM) 42.25%

Management Effectiveness

Return on Assets (TTM) 1.05%
Return on Equity (TTM) 9.81%

Valuation

Trailing PE 10.01
Forward PE 8.34
Enterprise Value 429512896
Price to Sales(TTM) 3.01
Enterprise Value 429512896
Price to Sales(TTM) 3.01
Enterprise Value to Revenue 5.3
Enterprise Value to EBITDA -
Shares Outstanding 25043700
Shares Floating 20464775
Shares Outstanding 25043700
Shares Floating 20464775
Percent Insiders 8.7
Percent Institutions 56.6

Analyst Ratings

Rating 2
Target Price 18
Buy 1
Strong Buy 2
Buy 1
Strong Buy 2
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

First Bank

stock logo

Company Overview

overview logo History and Background

There are multiple banks named 'First Bank'. Without a specific ticker symbol or location to identify a particular First Bank, a generic response is provided based on typical community banks. Founded to serve local communities, First Bank has evolved to offer a range of financial services to individuals and businesses.

business area logo Core Business Areas

  • Retail Banking: Provides checking and savings accounts, mortgages, auto loans, and personal loans to individual customers.
  • Commercial Banking: Offers business loans, lines of credit, treasury management services, and commercial real estate financing to businesses.
  • Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.

leadership logo Leadership and Structure

Typically led by a CEO and executive team. Organizational structure usually includes departments for retail banking, commercial banking, wealth management, and support functions like finance, marketing, and technology.

Top Products and Market Share

overview logo Key Offerings

  • Checking Accounts: Standard checking accounts for daily transactions. Market share varies greatly depending on the specific First Bank and its location. Competitors include larger national banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as other regional and community banks.
  • Mortgages: Home loans for purchasing or refinancing properties. Market share is highly fragmented and localized. Competitors are similar to checking accounts, but also includes online lenders.
  • Small Business Loans: Loans to fund the operations and expansion of small businesses. Again, Market share will depend on the specific First Bank. Competitors include other regional banks, credit unions, and online lenders like Kabbage.

Market Dynamics

industry overview logo Industry Overview

The banking industry is facing challenges such as increased regulation, competition from fintech companies, and low interest rates. However, economic growth and rising consumer confidence can drive loan demand.

Positioning

First Bank typically positions itself as a community-focused bank providing personalized service and local expertise. Competitive advantages may include strong customer relationships and local market knowledge.

Total Addressable Market (TAM)

The TAM for banking services in the US is in the trillions of dollars. First Bank's position within this TAM is relatively small, focusing on specific geographic areas and customer segments.

Upturn SWOT Analysis

Strengths

  • Strong customer relationships
  • Local market expertise
  • Personalized service
  • Community involvement

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger banks
  • Higher operating costs
  • Limited technology investment

Opportunities

  • Expansion into new markets
  • Increased technology adoption
  • Growing demand for wealth management services
  • Partnerships with fintech companies

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • JPM
  • BAC
  • WFC
  • USB
  • PNC

Competitive Landscape

First Bank faces significant competition from larger national and regional banks, as well as fintech companies. Its advantages lie in its local expertise and personalized service, but it may lack the scale and resources of its larger competitors. These market share numbers may vary depending on the specific First Bank, and could only represent the state in which it is located.

Growth Trajectory and Initiatives

Historical Growth: Historical growth varies by the bank. Need ticker symbol or specific bank to provide this.

Future Projections: Future projections vary by the bank. Need ticker symbol or specific bank to provide this.

Recent Initiatives: Recent initiatives may include branch expansion, technology upgrades, and new product launches. This varies by the bank. Need ticker symbol or specific bank to provide this.

Summary

First Bank, like other community banks, focuses on building relationships and providing personalized service within its local markets. However, it faces significant challenges from larger banks and fintech companies. To succeed, First Bank must leverage its strengths while investing in technology and exploring strategic partnerships. Its growth relies on effective execution of its local market strategy and adapting to the evolving banking landscape.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • MarketWatch
  • Yahoo Finance
  • Company Website

Disclaimers:

The information provided is based on general assumptions about 'First Bank' and may not be accurate for any specific institution with that name. Financial data and market share information are estimates and should be verified with official sources. This is not financial advice.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About First Bank

Exchange NASDAQ
Headquaters Hamilton, NJ, United States
IPO Launch date 2007-03-28
President, CEO & Director Mr. Patrick L. Ryan
Sector Financial Services
Industry Banks - Regional
Full time employees 315
Full time employees 315

First Bank provides various banking products and services to small and mid-sized businesses and individuals. It accepts various deposits, including non-interest- and interest-bearing demand deposits, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking and cash management accounts. The company also offers various loan products, such as commercial and industrial loans, which include line of credit, inventory, equipment, and short-term working capital financing; commercial real estate loans comprising owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans consisting of residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans, such as auto, personal, traditional installment, and other loans. In addition, it provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone; ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services, as well as engages in the capital markets activities. The company operates full-service branches in Cinnaminson, Delanco, Denville, Ewing, Fairfield, Flemington, Hamilton, Lawrence, Monroe, Morristown, Pennington, Randolph, Somerset, Trenton, Williamstown, New Jersey; Coventry, Devon, Doylestown, Glen Mills, Lionville, Malvern, Paoli, Trevose, Warminster, and West Chester, Pennsylvania; and Palm Beach, Florida. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.