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Upturn AI SWOT - About
FRBA 
First Bank (FRBA)
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Upturn Advisory Summary
10/23/2025: FRBA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19
1 Year Target Price $19
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 20.06% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 389.78M USD | Price to earnings Ratio 10.37 | 1Y Target Price 19 |
Price to earnings Ratio 10.37 | 1Y Target Price 19 | ||
Volume (30-day avg) 3 | Beta 0.77 | 52 Weeks Range 12.63 - 17.40 | Updated Date 10/23/2025 |
52 Weeks Range 12.63 - 17.40 | Updated Date 10/23/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.51 |
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.46 | Actual 0.47 |
Profitability
Profit Margin 29.18% | Operating Margin (TTM) 43.63% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 9.4% |
Valuation
Trailing PE 10.37 | Forward PE 8.34 | Enterprise Value 456580256 | Price to Sales(TTM) 2.97 |
Enterprise Value 456580256 | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 5.72 | Enterprise Value to EBITDA - | Shares Outstanding 24890292 | Shares Floating 20349058 |
Shares Outstanding 24890292 | Shares Floating 20349058 | ||
Percent Insiders 7.04 | Percent Institutions 57.03 |
Upturn AI SWOT
First Bank
Company Overview
History and Background
Because there are multiple banks named 'First Bank', a definitive history requires specifying which First Bank is being referenced. This response will provide general information applicable to community and regional banks operating under the name 'First Bank'. These banks typically have histories dating back to the late 19th or early 20th centuries, evolving from local lenders to modern financial institutions.
Core Business Areas
- Retail Banking: Provides deposit accounts, loans, credit cards, and other financial services to individual customers.
- Commercial Banking: Offers loans, lines of credit, treasury management, and other financial services to businesses.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals.
- Mortgage Lending: Originates and services mortgage loans for residential properties.
Leadership and Structure
Leadership typically consists of a CEO, CFO, COO, and other senior executives. The organizational structure usually includes divisions for retail banking, commercial banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Checking Accounts: Basic transactional accounts for consumers and businesses. Market share varies significantly based on the specific First Bank and its geographic location. Competitors include national banks (e.g., JPM, BAC), regional banks, and credit unions.
- Mortgage Loans: Loans for purchasing or refinancing residential properties. Market share is highly competitive, influenced by interest rates and local housing markets. Competitors include Rocket Mortgage, Wells Fargo, and local lenders.
- Commercial Loans: Loans for businesses to finance operations, expansions, or acquisitions. Market share depends on the bank's focus and industry expertise. Competitors include large national banks, regional banks, and alternative lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. There is also a rise in demand for digital banking services.
Positioning
First Bank's position within the industry is likely that of a regional or community bank, focusing on local markets and relationship banking. Competitive advantages may include personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market for the banking sector is in the trillions of dollars globally. First Bank's position within this TAM depends on its geographic reach and the specific segments it serves. A regional bank would address a much smaller portion of the overall TAM than a national bank.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Knowledge of local markets
- Personalized service
Weaknesses
- Limited geographic reach
- Less access to capital than larger banks
- Slower adoption of new technologies
- Potential for higher operating costs per customer
Opportunities
- Expanding into new markets
- Adopting new technologies to improve efficiency
- Offering new products and services
- Acquiring smaller banks or credit unions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
Competitive Landscape
First Bank's advantages depend on local personalized knowledge of its customer needs. The disadvantages compared to competitors depend on how well it compares to the competition and the local market needs.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on the specific bank, market conditions and overall bank strategy.
Future Projections: Future projections rely on market analysis of the local banking economy that First Bank operates in.
Recent Initiatives: Unable to provide specific initiatives without identifying the specific bank.
Summary
Without a specific 'First Bank' being identified, this is a hypothetical analysis based on a bank with that name. Depending on the geographical market, there are both opportunities and risks that need to be addressed. Personalized service should give a competitive edge. New technology adoption may need to be accelerated to align with customer expectations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical Analysis
Disclaimers:
This analysis is based on general industry information and assumptions. Specific details may vary depending on the specific First Bank being referenced. 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 335 | Website https://www.myfirstbank.com |
Full time employees 335 | 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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