First Bank

First Bank

FRBAยทNASDAQ

$15.34

-2.9%
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$385.56M
EPS1.7500
P/E Ratio8.77
Earnings Date07/28/2026
3Y+78.0%
5Y+168.0%
10Y+616.0%
3Y-33.0%
5Y-53.0%
10Y-30.0%
3Y-24.0%
5Y-60.0%
10Y-40.0%
FRBA

First Bank Cash Conversion Engine

FRBA ยท NASDAQ
Net Income43.66M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital15.11M
Others6.80M
Capital Expenditures-2.90M
Free Cash Flow62.66M

Cash Flow Quality Analysis

FCF Conversion Rate

143.5%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

4.4%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+153.5%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$15.11M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

First Bank Cash Flow Statement

FRBA โ€ข NASDAQ

First Bank Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
OPERATING ACTIVITIES
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
0.0
4.3M
2.8M
1.6M
1.6M
1.9M
1.7M
1.4M
714K
628K
608K
497K
392K
408K
0.0
5.3M
318K
358K
659K
-1.3M
1.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2M
1.6M
1.2M
1M
1M
927K
788K
433K
317K
201K
115K
61K
68K
6.8M
-14.3M
125.4M
-3.4M
-14.4M
5.2M
183K
17.2M
6.9M
1.6M
2M
-2.1M
2.8M
1.4M
(6.2M)
(4.7M)
(7.8M)
(10.7M)
(11.6M)
(6.7M)
(3.9M)
(4.2M)
(5.6M)
(2.9M)
(2.6M)
(0.0)
(0.0)
(0.0)
15.1M
-12M
-7.3M
869K
3.7M
-1.8M
-2M
-71K
1.5M
205K
-1.5M
498K
829K
13K
65.6M
27.6M
143.8M
36.9M
28M
24.5M
16.1M
36.9M
16.5M
9.2M
5.1M
4.8M
5.7M
4.4M
INVESTING ACTIVITIES
(0.0)
-2.9M
-3.1M
-1.9M
-189K
-359K
-1M
-1.8M
-428K
-459K
-539K
-425K
-278K
-170K
(0.0)
(0.0)
-16.2M
(0.0)
(86.5M)
(0.0)
(30.8M)
(8M)
(11.8M)
(0.0)
(0.0)
(24.7M)
(0.0)
(0.0)
(0.0)
-53.3M
-63.5M
-53.8M
-75.9M
-42.2M
-10.9M
-5.1M
-25.8M
-34.1M
-44.3M
(0.0)
(0.0)
(0.0)
0.0
46.8M
132.3M
20.4M
36.5M
37.4M
23.6M
37.8M
10.5M
29.4M
18.7M
0.0
0.0
0.0
-155.1M
-97.8M
-29.1M
-197.8M
-39.9M
-322M
-118.9M
-179.6M
-163.9M
-217.2M
-140.4M
-106.6M
-120.4M
-85.5M
-155.1M
-107.2M
(20.3M)
-233.1M
(7M)
-327.2M
-76.4M
-140.7M
-167.9M
-222.3M
-166.5M
-82.4M
-120.7M
-85.6M
FINANCING ACTIVITIES
-7.4M
-1.3M
-5.5M
-3.5M
-4.1M
-8.2M
0.0
743K
37.5M
13.4M
0.0
0.0
0.0
4.2M
-5.9M
42.9M
-52.6M
-4.3M
-79.3M
63.1M
12.1M
-1.5M
10.3M
40.5M
31.5M
0.0
3.8M
4.8M
-6M
-6M
-5.3M
-4.7M
-2.9M
-2.4M
-2.3M
-2.2M
-1.1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-8.5M
-1.3M
-5.5M
-3.5M
-4.1M
-8.2M
-113K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
146.2M
88M
1.3M
180.2M
110.3M
263.8M
76.9M
118.7M
117.8M
156.2M
142.8M
74.2M
110.9M
74.4M
126.9M
123.5M
-62.1M
167.6M
24M
316.4M
86.7M
115.8M
164.4M
210.1M
174.3M
74.2M
114.7M
83.4M
CASH FLOW SUMMARY
37.3M
44M
102M
-28.6M
59M
13.7M
26.4M
12.1M
13.1M
-3M
13M
-3.3M
-214K
2.1M
271.9M
228M
125.9M
154.5M
95.5M
81.8M
55.4M
43.4M
30.3M
33.3M
20.4M
23.7M
23.9M
21.8M
309.2M
271.9M
228M
125.9M
154.5M
95.5M
81.8M
55.4M
43.4M
30.3M
33.3M
20.4M
23.7M
23.9M
62.7M
24.7M
140.7M
35M
27.9M
24.1M
15M
35.1M
16.1M
8.7M
4.6M
4.4M
5.5M
4.2M

SEC Filings

FRBA - Filing history and reports

No SEC filings available for FRBA