First Bank (FRBA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Bank stock (FRBA) is currently trading at $15.86. First Bank PE ratio is 8.89. First Bank PS ratio (Price-to-Sales) is 2.87. Analyst consensus price target for FRBA is $19.17. WallStSmart rates FRBA as Hold.
- FRBA PE ratio analysis and historical PE chart
- FRBA PS ratio (Price-to-Sales) history and trend
- FRBA intrinsic value — DCF, Graham Number, EPV models
- FRBA stock price prediction 2025 2026 2027 2028 2029 2030
- FRBA fair value vs current price
- FRBA insider transactions and insider buying
- Is FRBA undervalued or overvalued?
- First Bank financial analysis — revenue, earnings, cash flow
- FRBA Piotroski F-Score and Altman Z-Score
- FRBA analyst price target and Smart Rating
First Bank
📊 No data available
Try selecting a different time range
FRBA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Bank (FRBA)
FRBA trades at a significant discount to its Graham intrinsic value of $68.90, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Bank (FRBA) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around revenue growth. Fundamentals are solid but monitor weak areas for improvement.
First Bank (FRBA) Key Strengths (5)
Keeps $45 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $32 of every $100 in revenue as net profit
Strong earnings growth at 20.50% per year
57.61% held by institutions, strong professional interest
Supporting Valuation Data
First Bank (FRBA) Areas to Watch (4)
Revenue growing slowly at 0.40% annually
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.87x sales
First Bank (FRBA) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.87) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 45.40%, Profit Margin at 32.30%. Growth metrics are encouraging with EPS Growth at 20.50%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.87) suggest expensive pricing. Growth concerns include Revenue Growth at 0.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 0.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FRBA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FRBA's Price-to-Sales ratio of 2.87x trades at a deep discount to its historical average of 5.8x (29th percentile). The current valuation is 81% below its historical high of 15.36x set in Dec 2013, and 91% above its historical low of 1.5x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~1.6x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Bank (FRBA) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Bank operates as a stable business with moderate growth and solid fundamentals. Revenue reached 135M with 0% growth year-over-year. Profit margins are strong at 32.3%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 32.3% and operating margin of 45.4% demonstrate strong pricing power and operational efficiency.
Generating 16M in free cash flow and 17M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Bank.
Bottom Line
First Bank offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 2:28:53 PM
About First Bank(FRBA)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Bank offers various banking products and services to individuals, businesses and government entities. The company is headquartered in Hamilton, New Jersey.