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First Bank

FRBA

(2.8)
Stock Price

15,00 USD

0.86% ROA

8.15% ROE

11.87x PER

Market Cap.

364.448.800,00 USD

55.62% DER

1.66% Yield

16.11% NPM

First Bank Stock Analysis

First Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Bank Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.82x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 ROE

The stock's ROE falls within an average range (11.42%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.16%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock maintains a fair debt to equity ratio (52%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (46) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

First Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

First Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Bank Revenue
Year Revenue Growth
2012 9.960.000
2013 12.175.000 18.19%
2014 21.268.000 42.75%
2015 25.466.000 16.48%
2016 30.533.000 16.6%
2017 41.779.000 26.92%
2018 58.396.000 28.46%
2019 62.361.000 6.36%
2020 75.905.000 17.84%
2021 89.644.000 15.33%
2022 97.493.000 8.05%
2023 115.148.000 15.33%
2023 173.237.000 33.53%
2024 224.476.000 22.83%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Bank Research and Development Expenses
Year Research and Development Expenses Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 913.000
2013 1.409.000 35.2%
2014 2.497.000 43.57%
2015 11.433.000 78.16%
2016 12.123.000 5.69%
2017 15.266.000 20.59%
2018 21.382.000 28.6%
2019 24.304.000 12.02%
2020 27.507.000 11.64%
2021 30.202.000 8.92%
2022 30.183.000 -0.06%
2023 39.288.000 23.18%
2023 36.099.000 -8.83%
2024 41.956.000 13.96%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Bank EBITDA
Year EBITDA Growth
2012 -144.000
2013 -726.000 80.17%
2014 1.042.000 169.67%
2015 12.621.000 91.74%
2016 19.556.000 35.46%
2017 26.669.000 26.67%
2018 40.833.000 34.69%
2019 20.700.000 -97.26%
2020 27.888.000 25.77%
2021 48.303.000 42.26%
2022 64.332.000 24.92%
2023 -1.876.000 3529.21%
2023 2.849.000 165.85%
2024 -3.076.000 192.62%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Bank Gross Profit
Year Gross Profit Growth
2012 6.680.000
2013 8.765.000 23.79%
2014 17.128.000 48.83%
2015 25.466.000 32.74%
2016 30.533.000 16.6%
2017 41.779.000 26.92%
2018 58.396.000 28.46%
2019 62.361.000 6.36%
2020 75.905.000 17.84%
2021 89.644.000 15.33%
2022 97.493.000 8.05%
2023 115.148.000 15.33%
2023 173.237.000 33.53%
2024 224.476.000 22.83%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Bank Net Profit
Year Net Profit Growth
2012 2.588.000
2013 1.708.000 -51.52%
2014 5.836.000 70.73%
2015 3.887.000 -50.14%
2016 6.406.000 39.32%
2017 6.993.000 8.39%
2018 17.589.000 60.24%
2019 13.445.000 -30.82%
2020 19.448.000 30.87%
2021 35.429.000 45.11%
2022 36.287.000 2.36%
2023 -5.084.000 813.75%
2023 20.897.000 124.33%
2024 44.292.000 52.82%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 1
2013 0 0%
2014 1 0%
2015 0 0%
2016 1 0%
2017 0 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 2 100%
2022 2 0%
2023 0 0%
2023 1 0%
2024 2 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Bank Free Cashflow
Year Free Cashflow Growth
2012 4.216.000
2013 5.469.000 22.91%
2014 4.411.000 -23.99%
2015 4.600.000 4.11%
2016 8.701.000 47.13%
2017 16.103.000 45.97%
2018 35.128.000 54.16%
2019 19.781.000 -77.58%
2020 24.149.000 18.09%
2021 27.852.000 13.3%
2022 34.973.000 20.36%
2023 88.254.000 60.37%
2023 20.394.000 -332.74%
2024 29.571.000 31.03%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Bank Operating Cashflow
Year Operating Cashflow Growth
2012 4.386.000
2013 5.747.000 23.68%
2014 4.836.000 -18.84%
2015 5.139.000 5.9%
2016 9.160.000 43.9%
2017 16.531.000 44.59%
2018 36.921.000 55.23%
2019 20.807.000 -77.45%
2020 24.508.000 15.1%
2021 28.041.000 12.6%
2022 36.880.000 23.97%
2023 88.816.000 58.48%
2023 23.511.000 -277.76%
2024 30.141.000 22%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Bank Capital Expenditure
Year Capital Expenditure Growth
2012 170.000
2013 278.000 38.85%
2014 425.000 34.59%
2015 539.000 21.15%
2016 459.000 -17.43%
2017 428.000 -7.24%
2018 1.793.000 76.13%
2019 1.026.000 -74.76%
2020 359.000 -185.79%
2021 189.000 -89.95%
2022 1.907.000 90.09%
2023 562.000 -239.32%
2023 3.117.000 81.97%
2024 570.000 -446.84%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Bank Equity
Year Equity Growth
2012 31.025.000
2013 52.507.000 40.91%
2014 64.759.000 18.92%
2015 68.763.000 5.82%
2016 88.806.000 22.57%
2017 163.250.000 45.6%
2018 194.836.000 16.21%
2019 226.393.000 13.94%
2020 238.108.000 4.92%
2021 266.666.000 10.71%
2022 289.562.000 7.91%
2023 370.900.000 21.93%
2023 361.037.000 -2.73%
2024 392.489.000 8.01%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Bank Assets
Year Assets Growth
2012 350.782.000
2013 466.792.000 24.85%
2014 677.458.000 31.1%
2015 856.106.000 20.87%
2016 1.073.294.000 20.24%
2017 1.452.327.000 26.1%
2018 1.711.159.000 15.13%
2019 2.011.587.000 14.93%
2020 2.346.270.000 14.26%
2021 2.510.298.000 6.53%
2022 2.732.940.000 8.15%
2023 3.610.058.000 24.3%
2023 3.558.426.000 -1.45%
2024 3.615.731.000 1.58%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Bank Liabilities
Year Liabilities Growth
2012 319.757.000
2013 414.285.000 22.82%
2014 612.699.000 32.38%
2015 787.343.000 22.18%
2016 984.488.000 20.03%
2017 1.289.077.000 23.63%
2018 1.516.323.000 14.99%
2019 1.785.194.000 15.06%
2020 2.108.162.000 15.32%
2021 2.243.632.000 6.04%
2022 2.443.378.000 8.17%
2023 3.239.158.000 24.57%
2023 3.197.389.000 -1.31%
2024 3.223.242.000 0.8%

First Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.58
Net Income per Share
1.22
Price to Earning Ratio
11.87x
Price To Sales Ratio
1.91x
POCF Ratio
2.67
PFCF Ratio
2.71
Price to Book Ratio
0.93
EV to Sales
1.91
EV Over EBITDA
-425.71
EV to Operating CashFlow
2.67
EV to FreeCashFlow
2.71
Earnings Yield
0.08
FreeCashFlow Yield
0.37
Market Cap
0,36 Bil.
Enterprise Value
0,36 Bil.
Graham Number
20.72
Graham NetNet
-119.73

Income Statement Metrics

Net Income per Share
1.22
Income Quality
4.45
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.82
EBT Per Ebit
0.52
Ebit per Revenue
0.38
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.38
Pretax Profit Margin
0.2
Net Profit Margin
0.16

Dividends

Dividend Yield
0.02
Dividend Yield %
1.66
Payout Ratio
0.2
Dividend Per Share
0.24

Operating Metrics

Operating Cashflow per Share
5.43
Free CashFlow per Share
5.34
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
0.54
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
27.43
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
13.31
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.09

Balance Sheet

Cash per Share
12,90
Book Value per Share
15,62
Tangible Book Value per Share
13.47
Shareholders Equity per Share
15.62
Interest Debt per Share
11.56
Debt to Equity
0.56
Debt to Assets
0.06
Net Debt to EBITDA
0.55
Current Ratio
0.4
Tangible Asset Value
0,34 Bil.
Net Current Asset Value
-2,96 Bil.
Invested Capital
-307981000
Working Capital
-0,39 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-234265500
Debt to Market Cap
0.6

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Bank Dividends
Year Dividends Growth
2017 0
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

First Bank Profile

About First Bank

First Bank provides various banking products and services to individuals, businesses, and governmental entities. 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. Its loan products include commercial and industrial loans; 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 that include auto, personal, and traditional installment loans. The company also provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone, as well as ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services. As of December 31, 2021, it operated 18 full-service branches in Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown counties in New Jersey, as well as Doylestown, Trevose, Warminster, and West Chester counties in Pennsylvania. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.

CEO
Mr. Patrick L. Ryan
Employee
294
Address
2465 Kuser Road
Hamilton, 08690

First Bank Executives & BODs

First Bank Executives & BODs
# Name Age
1 Mr. Scott W. Civil
Senior Vice President & Market Executive
70
2 Mr. Ernest Springer
Vice President & Compliance Officer
70
3 Mr. Michael Smith
First Senior Vice President and Director of Small Business & Corporate Development
70
4 Ms. Kimberly Cerasi
First Senior Vice President & Director of Human Resources
70
5 Mr. Stephen F. Carman
First Senior Vice President & Senior Accounting Officer
70
6 Mr. Patrick L. Ryan
President, Chief Executive Officer & Director
70
7 Mr. Andrew L. Hibshman
Executive Vice President, Treasurer & Chief Financial Officer
70
8 Mr. John F. Shepardson
Executive Vice President & Chief Operating Officer
70
9 Mr. Peter J. Cahill
Executive Vice President & Chief Lending Officer
70
10 Mr. Parwinder S. Virk
First Senior Vice President & Chief Accounting Officer
70

First Bank Competitors