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Upturn AI Summary - About
First Bank(FRBA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FRBA
11/11/2026: FRBA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
First Bank (FRBA) is a regionally focused commercial bank providing a variety of loan and deposit services in New Jersey, Pennsylvania, and Florida. The institution is known for its relationship-driven model and commitment to operational efficiency, typically maintaining a strong efficiency ratio. Its primary growth strategy involves expanding its middle-market commercial presence through organic growth and selective acquisitions, such as the recent Malvern Bancorp deal. Investors should note risks associated with concentration in commercial real estate and regional economic sensitivity. The stock may suit value-oriented and income-seeking investors interested in a disciplined, community-oriented banking franchise, provided they monitor the bank's net interest margin and asset quality metrics.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The bank grows through organic expansion and M&A, but at a more moderate, risk-managed pace than high-growth tech firms. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit momentum during periods of bank consolidation or positive sector-wide interest rate environments. |
| Value investor | Strong fit | The stock often trades at a reasonable multiple to tangible book value, appealing to those seeking stable banking franchises. |
| Dividend investor | Strong fit | The bank provides a consistent dividend yield, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, regional banking involves inherent credit and interest rate risks that may exceed very low-risk mandates. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate expectations and economic cycle shifts. |
| Valuation risk | Low | The stock generally trades close to tangible book value, limiting extreme downside from valuation bubbles. |
| Competition risk (regional banking) | Medium / high | Intense competition for deposits in the NJ/PA corridor can compress margins. |
| Business quality | Strong | The bank has a track record of operational efficiency and consistent performance. |
| Dividend income | Medium | Dividends are reliable but not the primary growth driver for total returns. |
| Execution risk | Medium | Integrating acquisitions like Malvern Bancorp requires effective operational management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 8.65% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/11/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 491.47M USD | Price to earnings Ratio 11.54 | 1Y Target Price 21.67 |
Price to earnings Ratio 11.54 | 1Y Target Price 21.67 | ||
Volume (30-day avg) 122.1K shares | Beta 0.52 | 52 Weeks Range 14.17 - 21.16 | Updated Date 11/11/2026 |
52 Weeks Range 14.17 - 21.16 | Updated Date 11/11/2026 | ||
Dividends yield (FY) 1.66% | Basic EPS (TTM) 1.72 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank earns money primarily on the 'spread' between loan interest and deposit interest. |
| Non-Interest Income | Service fees, treasury management fees, and other banking charges. | This is supplemental revenue from managing accounts and payment services. |
| Geography: Mid-Atlantic | Concentrated branch network in NJ, PA, and a single location in FL. | The bank's health is closely tied to the regional economic climate of New Jersey and Pennsylvania. |
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.44 | Actual 0.49 |
Profitability
Profit Margin 31.67% | Operating Margin (TTM) 45.97% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 9.63% |
Valuation
Trailing PE 11.54 | Forward PE 8.34 | Enterprise Value 469.68M | Price to Sales(TTM) 3.62 |
Enterprise Value 469.68M | Price to Sales(TTM) 3.62 | ||
Enterprise Value to Revenue 4.49 | Enterprise Value to EBITDA - | Shares Outstanding 24.76M | Shares Floating 21.44M |
Shares Outstanding 24.76M | Shares Floating 21.44M | ||
Percent Insiders 6.42 | Percent Institutions 58.38 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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