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FRBA

SELLREMOVE

First Bank · Financial Services · United States · $419M · Avg Vol: $1M/d

28
StockRank
Q
40
V
42
M
35
P/E (TTM)
9.9x
ROE
9.7%
D/E
—
Dividend %
1.6%
Director Trades · 180d
None in 180d →
Buybacks · 180d
None in 180d →
AI CONVICTION THESIS

A generic regional bank lacking structural macro tailwinds, a unique competitive moat, or any alignment with our core 18-month themes.

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)

Year2022202320242025CAGR
Revenue97.5M103.8M129.9M147.2M14.7%
EPS1.860.951.681.75-2.0%
Shares21.1M27.1M27.4M27.6M+31.1%
Debt120.7M234.4M276.9M271.1M31.0%
Equity289.6M370.9M409.2M443.5M15.3%
Op CF36.9M143.8M27.6M65.6M21.1%
Inv CF-233.1M20.3M-107.2M-155.1M—
Fin CF167.6M-62.1M123.5M126.9M—
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PRICE (1Y)+15.9%
14.7915.3815.9716.5617.15May 12Jun 3Jun 24
SMA 50SMA 200
Close
$17.15
RSI (14)
74.4
52W High
$17.91
From 52W High
1.0%

SCORE BREAKDOWN

Quality
40
ROIC (ROA)
1.1%*41.6
ROE
9.7%47.5
GP/Assets
3.4%38.4
Op. Margin
34.1%51.2
FCF/Assets
—N/A
Piotroski
565.9
Int. Cover
—N/A
D/E Ratio
—N/A
Current Ratio
—N/A
Value
42
P/E (TTM)
9.9x69.4
EV/EBITDA
—N/A
P/FCF
—N/A
P/B
0.9x66.6
P/S
3.1x57.3
Div Yield
1.6%18.9
Momentum
35
52W High %
96%56.2
RS 6M
-11%29.1
SMA 50/200
0.99x31.4
EPS Rev 4W
0.0%49.8
EPS Rev 12W
-12.0%12.8
EPS Improve
+8%29.7
Q Growth
-19%15.8

FUNDAMENTALS

Market Cap
$419M
P/E (Forward)
9.2x
Gross Margin
0.0%

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
FRBAFirst Bank(you)$419M28SELL
CZNCCitizens & Northern Corporation$385M27SELL
FCBMFirst Carolina Financial Services, Inc.$381M23SELL
BMRCBank of Marin Bancorp$422M21SELL
CBKCommercial Bancgroup, Inc.$431M34SELL
FBLAFB Bancorp, Inc.$235M27SELL
PBFSPioneer Bancorp, Inc.$419M40HOLD
MVBFMVB Financial Corp.$357M37HOLD
AVBCAvidia Bancorp, Inc.$375M38HOLD
NRIMNorthrim BanCorp, Inc.$558M35SELL

Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%

First Bank (FRBA) — Stock Score Summary

First Bank (FRBA) has a MoatMap StockRank of 28/100 based on Quality (40/100), Value (42/100), and Momentum (35/100) factor scores. The current signal is SELL. A generic regional bank lacking structural macro tailwinds, a unique competitive moat, or any alignment with our core 18-month themes.

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.

Key Financial Metrics

Price$17.15
Market Cap$419M
P/E (TTM)9.90
P/E (Forward)9.17
Price/Book0.92
Return on Equity9.7%
Gross Margin0.0%
Operating Margin34.1%
Revenue Growth-5.2%
Dividend Yield1.6%

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

Frequently Asked Questions

What is First Bank’s (FRBA) StockRank?
MoatMap’s StockRank for First Bank (FRBA) is 28/100, with a Sell signal. It is a composite of Quality (40), Value (42), and Momentum (35) 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 40/100. 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 characteristics of a moated business.
Is First Bank a buy, hold, or sell?
MoatMap’s current signal for First Bank (FRBA) is Sell, based on a StockRank of 28/100. 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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