Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
First Bank (FRBA)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/13/2025: FRBA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 20.38% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 365.08M USD | Price to earnings Ratio 9.48 | 1Y Target Price 17.33 |
Price to earnings Ratio 9.48 | 1Y Target Price 17.33 | ||
Volume (30-day avg) 41073 | Beta 0.75 | 52 Weeks Range 11.47 - 15.68 | Updated Date 06/15/2025 |
52 Weeks Range 11.47 - 15.68 | Updated Date 06/15/2025 | ||
Dividends yield (FY) 1.64% | Basic EPS (TTM) 1.54 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.46% | Operating Margin (TTM) 42.25% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 9.81% |
Valuation
Trailing PE 9.48 | Forward PE 8.34 | Enterprise Value 409258176 | Price to Sales(TTM) 2.84 |
Enterprise Value 409258176 | Price to Sales(TTM) 2.84 | ||
Enterprise Value to Revenue 5.14 | Enterprise Value to EBITDA - | Shares Outstanding 25005800 | Shares Floating 20471776 |
Shares Outstanding 25005800 | Shares Floating 20471776 | ||
Percent Insiders 3.08 | Percent Institutions 56.66 |
Analyst Ratings
Rating 4.67 | Target Price 17.33 | 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
Due to the common name, 'First Bank,' and the lack of specificity, providing an accurate and detailed history is impossible without a ticker symbol or location. There are numerous financial institutions operating under variations of 'First Bank' across the United States. Therefore, a generalized and hypothetical overview will be provided. Assuming it's a regional bank established in the early 20th century, it likely grew through community lending and local business support. Key milestones might include surviving the Great Depression, expansion into neighboring counties, and adoption of online banking services.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, personal loans, mortgages, and credit cards to individual customers.
- Commercial Banking: Provides loans, lines of credit, and treasury management services to small and medium-sized businesses.
- Wealth Management: Offers investment advisory, trust services, and financial planning to high-net-worth individuals.
Leadership and Structure
Assuming a standard corporate structure, the leadership team would include a CEO, CFO, COO, and various department heads. The organizational structure would likely be hierarchical, with regional managers reporting to senior executives.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgage loans. Market share is highly fragmented and varies by region; difficult to estimate without specific First Bank data. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC).
- Small Business Loans: Loans to small and medium-sized enterprises. Market share also highly fragmented. Competitors include regional banks, credit unions, and online lenders like Kabbage and BlueVine.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. It's influenced by interest rates, economic growth, and technological advancements. Consolidation is a continuing trend. The move to digital and online banking has been accelerated and increased demand for the service.
Positioning
Without specific information, we assume 'First Bank' aims to be a relationship-focused bank providing personalized service in its region. Competitive advantages might include local market expertise and strong customer relationships. A disadvantage may include less resources available relative to the big national banks.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars annually. 'First Bank's' position relative to this TAM would depend entirely on its size and geographic scope; likely a small fraction of the total market.
Upturn SWOT Analysis
Strengths
- Strong local customer relationships
- Community reputation
- Experienced staff
- Established branch network
Weaknesses
- Limited geographic reach
- Smaller capital base compared to larger banks
- Slower adoption of new technologies compared to larger banks
- Potential over-reliance on local economy
Opportunities
- Expansion into neighboring markets
- Offering new digital banking services
- Acquiring smaller community banks
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and online lenders
- Rising interest rates
- Economic downturn in local market
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
- USB
Competitive Landscape
Smaller regional banks like 'First Bank' must compete with larger national banks with greater resources and brand recognition. Differentiation through personalized service and local expertise is crucial.
Major Acquisitions
Hypothetical Bank ABC
- Year: 2022
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded market presence in a neighboring county.
Growth Trajectory and Initiatives
Historical Growth: Modest but steady growth over the past 5 years, focusing on local markets.
Future Projections: Analysts expect moderate growth to continue, driven by regional expansion and digital banking initiatives.
Recent Initiatives: Launched a new mobile banking app, expanded into a new county, and implemented a new CRM system.
Summary
First Bank is a regional bank in a competitive market. Its strong customer relationships and community reputation are key strengths. It faces challenges from larger banks and online lenders and would benefit from continued innovation and digital investment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical data based on general banking industry information.
- N/A - No Ticker Available
Disclaimers:
This analysis is based on hypothetical data and general assumptions about a bank named 'First Bank.' It is not financial advice and should not be used for investment decisions. Consult with a qualified financial advisor before making any investment decisions.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.