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Upturn AI SWOT - About
FRBA 
First Bank (FRBA)
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Upturn Advisory Summary
09/16/2025: 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.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $18.67
1 Year Target Price $18.67
| 2 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.77% | 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 412.68M USD | Price to earnings Ratio 10.98 | 1Y Target Price 18.67 |
Price to earnings Ratio 10.98 | 1Y Target Price 18.67 | ||
Volume (30-day avg) 3 | Beta 0.8 | 52 Weeks Range 12.63 - 17.40 | Updated Date 09/15/2025 |
52 Weeks Range 12.63 - 17.40 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.44% | Basic EPS (TTM) 1.51 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 10.98 | Forward PE 8.34 | Enterprise Value 480226048 | Price to Sales(TTM) 3.15 |
Enterprise Value 480226048 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 5.87 | Enterprise Value to EBITDA - | Shares Outstanding 24890300 | Shares Floating 20349058 |
Shares Outstanding 24890300 | Shares Floating 20349058 | ||
Percent Insiders 7.04 | Percent Institutions 56.91 |
Upturn AI SWOT
First Bank
Company Overview
History and Background
First Bank was founded in 1910 in Southern Pines, North Carolina. It has grown through organic expansion and strategic acquisitions, focusing on providing financial services to individuals and businesses in the Carolinas. It is still privately owned with limited reporting requirements.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, loans, mortgages, and other financial services to individuals and households.
- Commercial Banking: Provides loans, lines of credit, deposit accounts, and other financial services to businesses of all sizes.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
First Bank is led by a board of directors and a senior management team. The organizational structure includes various departments such as retail banking, commercial banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Checking Accounts: Checking accounts are a core product, offering various features such as online banking, mobile banking, and debit cards. Competitors include Bank of America, Wells Fargo, and Truist.
- Commercial Loans: Commercial loans provide financing to businesses for various purposes, such as working capital, equipment purchases, and real estate. Competitors include Bank of America, Wells Fargo, and Truist.
- Mortgages: Residential mortgages provided to consumers. Competitors include Wells Fargo, Bank of America, Chase
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. Factors such as interest rates, economic growth, and technological innovation influence the industry's performance.
Positioning
First Bank is positioned as a community bank that provides personalized service and local expertise. Its competitive advantages include its strong relationships with customers and its commitment to the communities it serves.
Total Addressable Market (TAM)
The TAM for banking services in the Carolinas is estimated to be in the billions of dollars. First Bank is positioned to capture a share of this market through its branch network and digital channels.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized service
- Experienced management team
- Community focus
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic reach
- Less brand recognition than national banks
- Possible limited access to capital
Opportunities
- Expanding into new markets
- Increasing digital offerings
- Acquiring smaller banks
- Growing wealth management business
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity risks
- Regulatory Changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- TFC
Competitive Landscape
First Bank competes with larger national and regional banks, as well as smaller community banks. Its advantages include personalized service and local expertise. Its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady through organic expansion and acquisitions.
Future Projections: Future growth is expected to come from expanding into new markets, increasing digital offerings, and acquiring smaller banks. Analyst estimates are unavailable.
Recent Initiatives: Recent initiatives may include expanding its branch network, launching new digital products, and investing in technology.
Summary
First Bank appears to be a stable community bank with a strong local presence. Its strength lies in customer relationships and community focus, but it faces challenges from larger competitors and market dynamics. Expanding its digital capabilities and carefully managing economic risks will be important. Its private ownership limits transparency and investor insight.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Market Research Reports
Disclaimers:
The information provided is based on available data and estimates. Actual results may vary. Financial data for First Bank may be limited due to its private ownership.
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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