FRBA
BULLISH
$17.07
Live
First Bank · NASDAQ
Target $18.83
(+10.3%)
$12.74
52W Range
$18.11
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$428.38M
P/E
9.7
ROE
10.2%
Profit margin
32.3%
Debt/Equity
N/A
Dividend yield
1.6%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
FRBA presents a compelling deep-value opportunity, trading significantly below its Graham Number ($26.46) and Intrinsic Value ($51.33). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company maintains a healthy ROE of 10.24% and a Price-to-Book ratio of 0.95, suggesting the stock is undervalued relative to its assets. Strong earnings growth (20.5% YoY) offsets stagnant revenue growth, though bearish insider sentiment and a weak technical trend suggest a lack of immediate catalyst.
Key Strengths
Trading below book value (P/B 0.95)
Strong earnings growth (20.5% YoY)
Significant discount to Graham Number and Intrinsic Value
Low P/E ratio (9.70) compared to sector average (26.49)
Highly sustainable dividend payout ratio (13.79%)
Key Risks
Stagnant year-over-year revenue growth (0.40%)
Bearish insider activity with recent director sales
Weak technical trend score (10/100)
Low dividend yield (1.60%) providing little income support
Small market capitalization increasing volatility risk
AI Fair Value Estimate
Based on comprehensive analysis
$28.5
+67.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
92
55
75
50
40
AI Verdict
Undervalued Value Play
Key drivers: Deep valuation discount, Strong EPS growth, Asset-based support (P/B < 1)
Confidence
80%
Value
92/100
P/E 9.70, Graham Number $26.46, P/B 0.95
Positives
- P/E well below sector average
- Price < Graham Number
- Price < Book Value
Watchpoints
- Low technical momentum
Future
55/100
Ref Growth rates
Positives
- Strong Q/Q earnings growth (17.4%)
- Positive earnings trajectory
Watchpoints
- Near-zero YoY revenue growth (0.40%)
Past
75/100
Ref Historical trends
Positives
- Strong 5Y price change (+62.9%)
- Consistent profitability
Watchpoints
- Recent earnings misses (1/4 beats)
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Stable Piotroski score
Watchpoints
- Piotroski F-Score 4/9 is only 'Stable', not 'Strong'
Dividend
40/100
Ref Yield, Payout
Positives
- Very low payout ratio (13.79%)
Watchpoints
- Low yield (1.60%)
- Low dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.07
Analyst Target
$18.83
Upside/Downside
+10.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FRBA and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FRBA
First Bank
Primary
|
+62.9% | +79.6% | +24.9% | +11.5% | +9.3% | +5.5% |
|
BTBT
Bit Digital, Inc.
Peer
|
-92.2% | -21.6% | -34.5% | -65.0% | -21.6% | 0.0% |
|
BMRC
Bank of Marin Bancorp
Peer
|
-19.0% | +2.4% | +16.9% | +13.4% | -0.8% | -1.4% |
|
GBFH
GBank Financial Holdings Inc.
Peer
|
+72.2% | +72.2% | -12.6% | -29.5% | +3.2% | +5.9% |
|
BFK
BlackRock Municipal Income Trust
Peer
|
-13.6% | +11.8% | +7.0% | +8.8% | +2.9% | -0.7% |
FRB
First Bank
Primary
5Y
+62.9%
3Y
+79.6%
1Y
+24.9%
6M
+11.5%
1M
+9.3%
1W
+5.5%
BTB
Bit Digital, Inc.
Peer
5Y
-92.2%
3Y
-21.6%
1Y
-34.5%
6M
-65.0%
1M
-21.6%
1W
0.0%
BMR
Bank of Marin Bancorp
Peer
5Y
-19.0%
3Y
+2.4%
1Y
+16.9%
6M
+13.4%
1M
-0.8%
1W
-1.4%
GBF
GBank Financial Holdings Inc.
Peer
5Y
+72.2%
3Y
+72.2%
1Y
-12.6%
6M
-29.5%
1M
+3.2%
1W
+5.9%
BFK
BlackRock Municipal Income Trust
Peer
5Y
-13.6%
3Y
+11.8%
1Y
+7.0%
6M
+8.8%
1M
+2.9%
1W
-0.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.7
Forward P/E
8.26
PEG Ratio
N/A
P/B Ratio
0.95
P/S Ratio
3.17
EV/Revenue
3.03
EV/EBITDA
N/A
Market Cap
$428.38M
Profitability
Profit margins and return metrics
Profit Margin
32.27%
Operating Margin
45.41%
Gross Margin
N/A
ROE
10.24%
ROA
1.13%
Growth
Revenue and earnings growth rates
Revenue Growth
+0.4%
Earnings Growth
+20.5%
Q/Q Revenue Growth
+13.89%
Q/Q Earnings Growth
+17.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$12.46
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
32.0%
Total Assets
$4.0B
Liabilities
$3.5B
Equity
$0.4B
Debt/Equity
7.92x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-27
$N/A
2026-01-25
$0.49
2025-10-21
$0.47
+3.3% surprise
2025-07-21
$0.42
-0.6% surprise
Financial Services Sector Comparison
Comparing FRBA against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
9.7
This Stock
vs
55.13
Sector Avg
-82.4%
(Discount)
Return on Equity (ROE)
10.24%
This Stock
vs
-0.93%
Sector Avg
-1203.8%
(Below Avg)
Profit Margin
32.27%
This Stock
vs
69.73%
Sector Avg
-53.7%
(Weaker)
Revenue Growth
0.4%
This Stock
vs
32.66%
Sector Avg
-98.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FRBA
First Bank
|
BULLISH | $428.38M | 9.7 | 10.2% | 32.3% | $17.07 | |
|
BTBT
Bit Digital, Inc.
|
NEUTRAL | $427.82M | - | -12.8% | -71.7% | $1.31 | Compare |
|
BMRC
Bank of Marin Bancorp
|
NEUTRAL | $425.22M | 44.78 | 2.2% | 10.2% | $26.42 | Compare |
|
GBFH
GBank Financial Holdings Inc.
|
NEUTRAL | $421.09M | 19.8 | 13.7% | 29.0% | $29.1 | Compare |
|
BFK
BlackRock Municipal Income Trust
|
BEARISH | $442.06M | - | -% | -52.0% | $10.08 | Compare |
FRBA
First Bank
BULLISH
Mkt Cap
$428M
P/E
9.7
ROE
10.2%
Price
$17.07
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-17 | CAHILL PETER M | Officer | Stock Award | 8,788 | $152,911 |
| 2026-02-17 | HIBSHMAN ANDREW | Chief Financial Officer | Stock Award | 8,788 | $152,911 |
| 2026-02-17 | RYAN PATRICK L | Chief Executive Officer | Stock Award | 36,922 | $642,443 |
| 2026-02-17 | RYAN PATRICK L | Chief Executive Officer | Option Exercise | 36,922 | $642,443 |
| 2026-02-17 | RYAN PATRICK L | Chief Executive Officer | Stock Award | 23,693 | - |
| 2026-02-10 | CAHILL PETER M | Officer | Stock Award | 11,000 | $190,190 |
| 2026-01-30 | CAHILL PETER M | Officer | Option Exercise | 11,000 | $187,000 |
| 2026-01-30 | RYAN PATRICK MICHAEL | Director | Sale | 18,000 | $300,240 |
| 2026-01-30 | RYAN PATRICK MICHAEL | Director | Option Exercise | 7,300 | $47,450 |
| 2026-01-30 | RYAN PATRICK MICHAEL | Director | Sale | 18,000 | $300,240 |
| 2026-01-30 | RYAN PATRICK MICHAEL | Director | Option Exercise | 7,300 | $47,450 |
| 2026-01-20 | GOODMAN LESLIE E | Director | Stock Award | 5,400 | $75,006 |
| 2025-12-16 | RYAN PATRICK MICHAEL | Director | Gift | 1,176 | $20,768 |
| 2025-12-16 | RYAN PATRICK L | Director | Gift | 1,176 | $20,768 |
CAHILL PETER M
Officer
2026-02-17
8,788 shares
·
$152,911
HIBSHMAN ANDREW
Chief Financial Officer
2026-02-17
8,788 shares
·
$152,911
RYAN PATRICK L
Chief Executive Officer
2026-02-17
36,922 shares
·
$642,443
RYAN PATRICK L
Chief Executive Officer
2026-02-17
36,922 shares
·
$642,443
RYAN PATRICK L
Chief Executive Officer
2026-02-17
23,693 shares
CAHILL PETER M
Officer
2026-02-10
11,000 shares
·
$190,190
CAHILL PETER M
Officer
2026-01-30
11,000 shares
·
$187,000
RYAN PATRICK MICHAEL
Director
2026-01-30
18,000 shares
·
$300,240
RYAN PATRICK MICHAEL
Director
2026-01-30
7,300 shares
·
$47,450
RYAN PATRICK MICHAEL
Director
2026-01-30
18,000 shares
·
$300,240
RYAN PATRICK MICHAEL
Director
2026-01-30
7,300 shares
·
$47,450
GOODMAN LESLIE E
Director
2026-01-20
5,400 shares
·
$75,006
RYAN PATRICK MICHAEL
Director
2025-12-16
1,176 shares
·
$20,768
RYAN PATRICK L
Director
2025-12-16
1,176 shares
·
$20,768
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
3 analysts
DA Davidson
2026-02-25
Neutral
Past News Coverage
Recent headlines mentioning FRBA from our newsroom.
Newest → oldest
No matching news yet.