First Bank

First Bank

FRBAยทNASDAQ

$15.68

-0.75%
Financial ServicesBanks - Regional

First Bank provides various banking products and services to individuals, businesses, and governmental entities. The company accepts various deposits, including non-interest bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking accounts. Its loan products include commercial and industrial loans; commercial real estate loans, such as owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans comprising residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans that include auto, personal, and traditional installment loans. The company also provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone, as well as ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services. As of December 31, 2021, it operated 18 full-service branches in Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown counties in New Jersey, as well as Doylestown, Trevose, Warminster, and West Chester counties in Pennsylvania. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.

At a Glance

Live Snapshot
Market Cap$394.15M
EPS1.7500
P/E Ratio8.96
Earnings Date07/28/2026
3Y+120.0%
5Y+158.0%
10Y+518.0%
3Y+20.0%
5Y+124.0%
10Y+582.0%
3Y+78.0%
5Y+168.0%
10Y+616.0%
First Bank

First Bank Profit Bridge

FRBA ยท NASDAQ
Revenue246.78M
Cost of Goods Sold (110.52M)
Gross Profit136.26M
Operating Expenses (78.95M)
Operating Income57.30M
Interest Expense (98.63M)
Other Income/Expense0.00
Pretax Income57.30M
Income Tax (13.64M)
Net Income43.66M
Net Income
43.66M

Profitability Analysis

Gross Margin

55.2%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

23.2%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

17.7%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

23.8%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

First Bank Income Statement

FRBA โ€ข NASDAQ

First Bank Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
REVENUE
246.8M
229.4M
173.3M
112.4M
98.9M
95.6M
88.2M
76.2M
53.3M
40M
32.4M
21.3M
12.2M
10M
GROSS PROFIT
(110.5M)
(100.8M)
(77.4M)
(17.8M)
(9M)
(29.2M)
(29.8M)
(21.2M)
(14.2M)
(12.1M)
(9.6M)
(4.1M)
(3.4M)
(3.3M)
136.3M
128.7M
95.9M
94.6M
89.9M
66.4M
58.4M
54.9M
39.1M
27.8M
22.8M
17.1M
8.8M
6.7M
OPERATING INCOME
(79M)
(73.5M)
(68.7M)
(46.7M)
(43.2M)
(40.4M)
(39.4M)
(33.3M)
(24.7M)
(18.3M)
(17.7M)
(13.2M)
(8.1M)
(7.7M)
(54.9M)
(44.1M)
(37.3M)
(29.5M)
(27.5M)
(26.7M)
(24.3M)
(21.1M)
(15M)
(11.7M)
(11.1M)
(13.3M)
(8.1M)
(6.3M)
57.3M
55.1M
27.2M
47.9M
46.7M
26M
19M
21.6M
14.4M
9.5M
5.1M
8M
3.5M
3.1M
PRE-TAX INCOME
(98.6M)
(99.6M)
(69.5M)
(14.9M)
(9.2M)
(19.6M)
(25.8M)
(17.8M)
(11.5M)
(9.4M)
(6.9M)
(4.1M)
(3.4M)
(3.3M)
137.8M
122.5M
104.5M
92.4M
81.9M
69.6M
58.4M
54.9M
39.7M
28.9M
23.8M
0.0
0.0
0.0
(24M)
(29.4M)
(31.4M)
(17.2M)
(15.7M)
(13.7M)
(15.1M)
(12.2M)
(9.7M)
(6.6M)
(6.6M)
(0.0)
(0.0)
(0.0)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
84K
-726K
-804K
57.3M
55.1M
27.2M
47.9M
46.7M
26M
19M
21.6M
14.4M
9.5M
5.1M
8.1M
2.8M
2.3M
NET INCOME
(13.6M)
(12.9M)
(6.3M)
(11.6M)
(11.3M)
(6.5M)
(5.6M)
(4M)
(7.4M)
(3.1M)
(1.2M)
(2.2M)
(1.1M)
(330K)
43.7M
42.2M
20.9M
36.3M
35.4M
19.4M
13.4M
17.6M
7M
6.4M
3.9M
5.8M
1.7M
2.6M

SEC Filings

FRBA - Filing history and reports

No SEC filings available for FRBA