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First Bank (FRBA)



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Upturn Advisory Summary
06/30/2025: FRBA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $18
1 Year Target Price $18
2 | Strong Buy |
1 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 - |
Upturn AI SWOT
First Bank
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.myfirstbank.com |
Full time employees 315 | Website https://www.myfirstbank.com |
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.
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