What is First Bank's (FRBA) StockRank?

MoatMap's StockRank for First Bank (FRBA) is 63/100, with a Hold signal. This is a composite score combining Quality (56), Value (53), and Momentum (48) factor ranks across MoatMap's 20,000+ stock universe.

Does First Bank have an economic moat?

First Bank (FRBA) has a Quality factor score of 56/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Bank a buy, hold, or sell?

MoatMap's current signal for First Bank (FRBA) is Hold, based on a StockRank of 63/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is First Bank in?

First Bank (FRBA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FRBA

HoldUnloved Quality

First Bank · Financial Services · United States · $443M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

10.7x

ROE

9.7%

D/E

0.6x

Dividend %

1.7%

COMPANY DESCRIPTION

First Bank is a community bank providing commercial and retail banking services, including deposit products, commercial loans, and mortgage lending in New Jersey and Pennsylvania. The bank leverages its local market expertise and personalized customer service to build strong community relationships. This focus allows First Bank to maintain a competitive position by catering specifically to the financial needs of its regional customer base.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	97.5M	103.8M	129.9M	147.2M	14.7%	134.2M	149.1M	155.4M	2.7%
EPS	1.86	0.95	1.68	1.75	-2.0%	1.71	1.59	1.78	0.9%
Shares	19.5M	25.0M	25.1M	24.8M	+27.5%	24.8M	—	—	—
Debt	120.7M	234.4M	276.9M	271.1M	31.0%	297.5M	—	—	—
Equity	289.6M	370.9M	409.2M	443.5M	15.3%	—	—	—	—
Op CF	36.9M	143.8M	27.6M	65.6M	21.1%	52.8M	—	—	—
Inv CF	-233.1M	20.3M	-107.2M	-155.1M	—	—	—	—	—
Fin CF	167.6M	-62.1M	123.5M	126.9M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-1.5%

SMA 50SMA 200

$18.35

RSI (14)

35.8

52W High

$19.33

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*38.8

ROE

9.7%49.8

GP/Assets

3.4%N/A

Op. Margin

43.6%62.8

FCF/Assets

1.4%N/A

Piotroski

685.4

Int. Cover

—50.0

D/E Ratio

0.61xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

10.7x64.6

EV/EBITDA

bankN/A

P/FCF

8.2xN/A

P/B

1.0x60.5

P/S

3.4x53.8

Div Yield

1.7%16.0

Momentum

52W High %

95%61.1

RS 6M

4%66.2

SMA 50/200

1.09x69.8

EPS Rev 4W

-1.2%12.4

EPS Rev 12W

+0.1%41.4

EPS Improve

+6%27.8

Q Growth

6%35.4

FUNDAMENTALS

Market Cap

$443M

P/E (Forward)

10.2x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FRBA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FRBA	First Bank(you)	$443M	63	Hold
USCB	USCB Financial Holdings, Inc.	$414M	63	Hold
CZNC	Citizens & Northern Corporation	$458M	64	Hold
CBK	Commercial Bancgroup, Inc.	$467M	66	Buy
ISTR	Investar Holding Corporation	$417M	67	Buy
HBCP	Home Bancorp, Inc.	$547M	64	Hold
PDLB	Ponce Financial Group, Inc.	$495M	59	Hold
SFST	Southern First Bancshares, Inc.	$590M	63	Hold
AROW	Arrow Financial Corporation	$611M	63	Hold
BWB	Bridgewater Bancshares, Inc.	$594M	62	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$18.35
Market Cap	$443M
P/E (TTM)	10.73
P/E (Forward)	10.17
Price/Book	1.00
Return on Equity	9.7%
Debt/Equity	0.61x
Operating Margin	43.6%
Revenue Growth	1.7%
Dividend Yield	1.7%
Free Cash Flow	$54M