First Bank (FRBA) Stock Price, News & Analysis

Company Overview

First Bank provides various banking products and services to small to mid-sized businesses and individuals. 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. It also offers various loan products comprising commercial and industrial loans, which include line of credit, inventory, equipment, and short-term working capital financing; 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 consists of auto, personal, traditional installment, and other loans. The company also 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. It operates full-service branches in Cinnaminson, Delanco, Denville, Ewing, Fairfield, Flemington, Hamilton, Lawrence, Monroe, Pennington, Randolph, Somerset, and Williamstown, New Jersey; Doylestown, Trevose, Warminster, and West Chester, Paoli, Malvern, Coventry, Devon, Lionville, and Glen Mills Pennsylvania; and Palm Beach, Florida. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.

Key Stats

• Today's Range: $14.50 to $14.64
• 50-Day Range: $12.86 to $15.27
• 52-Week Range: $11.20 to $15.87
• Volume: 36,965 shs
• Average Volume: 48,984 shs
• Market Capitalization: $285.92 million
• P/E Ratio: 8.75
• Dividend Yield: 1.64%
• Price Target: $17.25
• Consensus Rating: Buy

First Bank Stock Analysis - MarketRank™

First Bank scored higher than 71% of companies evaluated by MarketBeat, and ranked 446th out of 931 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

First Bank has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Bank has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 1.12%

Earnings Growth

Earnings for First Bank are expected to grow by 1.12% in the coming year, from $1.78 to $1.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Bank is 8.72, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.21.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Bank is 8.72, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.14.

Price to Book Value per Share Ratio

First Bank has a P/B Ratio of 0.77. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.39% of the float of First Bank has been sold short.

Short Interest Ratio / Days to Cover

First Bank has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Bank has recently increased by 13.36%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

First Bank pays a meaningful dividend of 1.67%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of First Bank is 15.58%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Bank will have a dividend payout ratio of 13.33% next year. This indicates that First Bank will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.39% of the float of First Bank has been sold short.

Short Interest Ratio / Days to Cover

First Bank has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Bank has recently increased by 13.36%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.82

News Sentiment

First Bank has a news sentiment score of 0.82. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for First Bank this week, compared to 3 articles on an average week.

MarketBeat Follows

Only 1 people have added First Bank to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Bank insiders have not sold or bought any company stock.

Percentage Held by Insiders

13.13% of the stock of First Bank is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

64.86% of the stock of First Bank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FRBA Stock Analysis - Frequently Asked Questions

How have FRBA shares performed this year?

First Bank's stock was trading at $14.07 at the start of the year. Since then, FRBA stock has increased by 3.7% and is now trading at $14.5850.
View the best growth stocks for 2025 here.

How were First Bank's earnings last quarter?

First Bank (NASDAQ:FRBA) issued its quarterly earnings data on Tuesday, April, 22nd. The bank reported $0.37 earnings per share for the quarter, missing the consensus estimate of $0.39 by $0.02. The bank earned $33.95 million during the quarter, compared to analyst estimates of $33.52 million. First Bank had a net margin of 18.41% and a trailing twelve-month return on equity of 11.06%.
Read the conference call transcript.

Who are First Bank's major shareholders?

First Bank's top institutional shareholders include Wellington Management Group LLP (3.16%), Royce & Associates LP (1.24%), American Century Companies Inc. (1.13%) and Connor Clark & Lunn Investment Management Ltd. (0.91%).

How do I buy shares of First Bank?

Shares of FRBA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Bank investors own include Humana (HUM), American Water Works (AWK), Voyager Therapeutics (VYGR), Waste Connections (WCN), The RMR Group (RMR), Southern First Bancshares (SFST) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 4/22/2025
• Record date for 5/23 Dividend: 5/09/2025
• Ex-Dividend for 5/23 Dividend: 5/09/2025
• Dividend Payable: 5/23/2025
• Today: 5/30/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FRBA
• CIK: N/A
• Web: www.firstbanknj.com
• Phone: (609) 528-4400
• Fax: N/A
• Employees: 240
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $17.25
• High Stock Price Target: $17.50
• Low Stock Price Target: $17.00
• Potential Upside/Downside: +18.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.54
• Trailing P/E Ratio: 8.70
• Forward P/E Ratio: 8.19
• P/E Growth: N/A
• Net Income: $42.24 million
• Net Margins: 18.41%
• Pretax Margin: 23.16%
• Return on Equity: 11.06%
• Return on Assets: 1.19%

Debt

• Debt-to-Equity Ratio: 0.66
• Current Ratio: 1.11
• Quick Ratio: 1.11

Sales & Book Value

• Annual Sales: $131.64 million
• Price / Sales: 2.17
• Cash Flow: $1.49 per share
• Price / Cash Flow: 9.78
• Book Value: $18.95 per share
• Price / Book: 0.77

Miscellaneous

• Outstanding Shares: 19,570,000
• Free Float: 17,000,000
• Market Cap: $285.33 million
• Optionable: Optionable
• Beta: 0.73