First Bank logo

First Bank

FRBA

NASDAQFinancial ServicesBanks - Regional

Previous close

$18.21

+$0.03 · +0.17%

Aug 21, 4:00 PM ET

FRBA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

89

Deep Value

Momentum

52

Neutral

Sentiment

52

Mixed

Risk resilience

77

Moderate Risk

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Company profile

Company website

First Bank offers a comprehensive array of financial products and services tailored for individuals, businesses, and governmental bodies. Its diverse deposit options encompass non-interest and interest-bearing demand accounts, money market and savings accounts, certificates of deposit, and specialized commercial checking solutions. For lending needs, the bank provides commercial and industrial financing; a wide variety of commercial real estate loans, including those for owner-occupied properties, investors, construction projects, and multi-family dwellings; residential real estate loans such as mortgages, first and second lien home equity loans, and revolving credit lines; and consumer loans for vehicles, personal use, and traditional installment plans. Beyond these core offerings, the institution supports modern digital banking through internet and mobile platforms, electronic bill payment, and banking by phone. Additional services include ATM and debit card provision, wire and ACH transfers, remote deposit capture, and robust cash management solutions. As of December 31, 2021, First Bank operated 18 full-service branches situated across various counties in New Jersey (Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown) and Pennsylvania (Doylestown, Trevose, Warminster, and West Chester). Founded in 2007, the company maintains its corporate headquarters in Hamilton, New Jersey.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Patrick L. Ryan
Listed since
Oct 15, 2010
Employees
338

Market position

Day range

Current $18.21

52-week range

Current $18.21

Open
$18.42
Previous close
$18.18
Volume
181.26K
1.86× average
Average volume
97.28K
Average daily volume
Market cap
457.7M USD
Beta
0.53
Market reference 1
50-day average
$17.8314
+2.12% above average
200-day average
$16.5789
+9.84% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
10.59×
P/B (TTM)
P/S (TTM)
1.86×
Dividend yield
1.81%

Profitability & efficiency

Gross margin
55.39%
Operating margin
22.93%
Net margin
17.31%

Financial health

Debt / equity
0.61×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends99%67%36%4%Gross margin, FY2021: 90.91%Gross margin, FY2022: 84.20%Gross margin, FY2023: 55.31%Gross margin, FY2024: 56.08%Gross margin, FY2025: 55.22%Operating margin, FY2021: 47.26%Operating margin, FY2022: 42.61%Operating margin, FY2023: 15.67%Operating margin, FY2024: 24.04%Operating margin, FY2025: 23.22%Net margin, FY2021: 35.83%Net margin, FY2022: 32.29%Net margin, FY2023: 12.06%Net margin, FY2024: 18.41%Net margin, FY2025: 17.69%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.91%. Gross margin FY2022 84.20%. Gross margin FY2023 55.31%. Gross margin FY2024 56.08%. Gross margin FY2025 55.22%. Operating margin FY2021 47.26%. Operating margin FY2022 42.61%. Operating margin FY2023 15.67%. Operating margin FY2024 24.04%. Operating margin FY2025 23.22%. Net margin FY2021 35.83%. Net margin FY2022 32.29%. Net margin FY2023 12.06%. Net margin FY2024 18.41%. Net margin FY2025 17.69%.

Income trends

Revenue

246.78M USD+7.56%

Operating income

57.3M USD+3.92%

Net income

43.66M USD+3.35%
Income trends across reported periods269.36M USD179.01M USD88.66M USD−1.69M USDRevenue, FY2021: 98.87M USDRevenue, FY2022: 112.38M USDRevenue, FY2023: 173.3M USDRevenue, FY2024: 229.44M USDRevenue, FY2025: 246.78M USDOperating income, FY2021: 46.72M USDOperating income, FY2022: 47.89M USDOperating income, FY2023: 27.16M USDOperating income, FY2024: 55.15M USDOperating income, FY2025: 57.3M USDNet income, FY2021: 35.43M USDNet income, FY2022: 36.29M USDNet income, FY2023: 20.9M USDNet income, FY2024: 42.24M USDNet income, FY2025: 43.66M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 98.87M USD. Revenue FY2022 112.38M USD. Revenue FY2023 173.3M USD. Revenue FY2024 229.44M USD. Revenue FY2025 246.78M USD. Operating income FY2021 46.72M USD. Operating income FY2022 47.89M USD. Operating income FY2023 27.16M USD. Operating income FY2024 55.15M USD. Operating income FY2025 57.3M USD. Net income FY2021 35.43M USD. Net income FY2022 36.29M USD. Net income FY2023 20.9M USD. Net income FY2024 42.24M USD. Net income FY2025 43.66M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue246.78M USD229.44M USD173.3M USD112.38M USD98.87M USD
Cost of goods sold110.52M USD100.76M USD77.44M USD17.76M USD8.99M USD
Gross profit136.26M USD128.68M USD95.86M USD94.62M USD89.88M USD
Selling, general, and administrative54.93M USD44.11M USD37.26M USD29.54M USD27.46M USD
Operating expenses78.96M USD73.53M USD68.7M USD46.73M USD43.15M USD
Interest income236.45M USD222.13M USD174.02M USD107.26M USD91.11M USD
Interest expense98.63M USD99.58M USD69.5M USD14.89M USD9.22M USD
Depreciation and amortization4.21M USD4.32M USD2.85M USD1.56M USD1.58M USD
Operating income57.3M USD55.15M USD27.16M USD47.89M USD46.72M USD
Net income43.66M USD42.24M USD20.9M USD36.29M USD35.43M USD

Company facts updated Aug 24, 2026.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.24

2025 complete year+60.0% since 2021

2026 partial: $0.27

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 7, 2026

$0.09

Quarterly

Record Aug 7, 2026 · Payment Aug 21, 2026

Dividend

Ex-dividend May 8, 2026

$0.09

Quarterly

Record May 8, 2026 · Payment May 22, 2026

Dividend

Ex-dividend Feb 6, 2026

$0.09

Quarterly

Record Feb 6, 2026 · Payment Feb 20, 2026

Dividend

Ex-dividend Nov 7, 2025

$0.06

Quarterly

Record Nov 7, 2025 · Payment Nov 21, 2025

Dividend

Ex-dividend Aug 8, 2025

$0.06

Quarterly

Record Aug 8, 2025 · Payment Aug 22, 2025

Dividend

Ex-dividend May 9, 2025

$0.06

Quarterly

Record May 9, 2025 · Payment May 23, 2025

FRBA peers

ETFs holding FRBA

Funds reporting this stock among their holdings, ordered by reported position size.

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