First Bank/$FRBA
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About First Bank
First Bank is a full-service commercial bank, with target businesses from individuals, businesses, and governmental entities located in service regions throughout New Jersey and eastern Pennsylvania, with a particular focus between New York City and Philadelphia. The group focuses on traditional deposit and loan products with businesses and individuals living and working in markets as the source of businesses. Its services are Business Banking; Personal banking; Digital Banking; and Lending.
Ticker
$FRBA
Sector
Primary listing
Employees
335
Headquarters
Website
First Bank Metrics
BasicAdvanced
$413M
11.00
$1.51
0.80
$0.24
1.44%
Price and volume
Market cap
$413M
Beta
0.8
52-week high
$17.40
52-week low
$12.74
Average daily volume
49K
Dividend rate
$0.24
Financial strength
Dividend payout ratio (TTM)
15.74%
Profitability
Net profit margin (TTM)
29.18%
Operating margin (TTM)
43.88%
Effective tax rate (TTM)
26.64%
Revenue per employee (TTM)
$390,000
Management effectiveness
Return on assets (TTM)
1.00%
Return on equity (TTM)
9.40%
Valuation
Price to earnings (TTM)
10.997
Price to revenue (TTM)
3.18
Price to book
0.98
Price to tangible book (TTM)
1.12
Price to free cash flow (TTM)
11.162
Free cash flow yield (TTM)
8.96%
Free cash flow per share (TTM)
1.488
Dividend yield (TTM)
1.44%
Forward dividend yield
1.44%
Growth
Revenue change (TTM)
14.51%
Earnings per share change (TTM)
22.16%
3-year revenue growth (CAGR)
13.64%
3-year earnings per share growth (CAGR)
-4.24%
10-year earnings per share growth (CAGR)
11.45%
3-year dividend per share growth (CAGR)
4.55%
Bulls say / Bears say
Total loans increased at an annualized rate of 11.3% sequentially to $3.33 billion in Q2 2025, led by organic growth in the commercial & industrial and owner-occupied CRE portfolios (Nasdaq).
Net interest margin held steady at 3.65% in Q2, up three basis points from a year earlier, supporting an 11.4% rise in net interest income (Nasdaq).
A $35 million subordinated note placement at 7.125% fixed for five years was completed to redeem existing notes, strengthening Tier 2 capital and improving the cost of funds (Nasdaq).
Net income for Q2 2025 dropped to $10.2 million from $11.1 million in the prior year, showing an 8.1% decrease year-over-year and signaling pressure on core earnings (Nasdaq).
Return on average assets declined to 1.04% from 1.23% a year ago, and return on average equity dropped to 9.77% from 11.52%, reflecting weaker profitability (Nasdaq).
The effective tax rate increased to 22.9% from 16.2% in Q2 2024, raising the bank’s tax burden and reducing net earnings (Nasdaq).
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2025.
First Bank News
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FAQs
What’s the current market cap for First Bank stock?
First Bank (FRBA) has a market cap of $413M as of September 15, 2025.
What is the P/E ratio for First Bank stock?
The price to earnings (P/E) ratio for First Bank (FRBA) stock is 11 as of September 15, 2025.
Does First Bank stock pay dividends?
Yes, the First Bank (FRBA) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is $0.24 and the yield is 1.44%. First Bank has a payout ratio of 15.74% on a trailing twelve-month basis.
When is the next First Bank dividend payment date?
The next First Bank (FRBA) dividend payment date is unconfirmed.
What is the beta indicator for First Bank?
First Bank (FRBA) has a beta rating of 0.8. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.