First Bank

FRBA

$18.15

+1.23%

2026-09-03 16:00:01 EDT+$0.22

Financial Services

Banks - Regional

NASDAQ

Active Trading

First Bank offers a comprehensive array of financial products and services tailored for individuals, businesses, and governmental bodies. Its diverse deposit options ...

Key Metrics of FRBA

Snapshot

Latest / TTM · 6 periods

Market Cap

$456.19M

ROCE

1.4%

EV / EBITDA

11.69x

-6.2% YoY

FCF Yield

11.1%

-4.1% YoY

Cash Conversion Cycle

22.2d

Current Ratio

0.39

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$284.56M	$268.38M	$322.55M	$353.52M	$410.65M	$456.19M
Enterprise ValueCompany value including debt and cash adjustments.	$253.68M	$275.41M	$341.77M	$372.02M	$379.52M	$695.24M
EV / SalesHow many dollars investors pay per dollar of sales.	2.57x	2.45x	1.97x	1.62x	1.54x	2.83x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	5.25x	5.57x	11.39x	6.26x	6.17x	11.69x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	-0.64	0.14	0.64	0.31	-0.51	4.02

Returns + ROCE gauge

ROCE latest

1.4%

Prev year 7.6%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	13.3%	12.5%	5.6%	10.3%	9.8%	9.6%
ROAProfit generated from total assets.	1.4%	1.3%	0.6%	1.1%	1.1%	1.0%
ROICReturn generated on invested operating capital.	-1.9%	-1.8%	-0.8%	-1.6%	-1.6%	-366.3%
ROCEOperating return on long-term capital used.	11.4%	10.9%	4.3%	7.7%	7.6%	1.4%
Earnings YieldEarnings as a percentage of market value.	12.5%	13.5%	6.5%	11.9%	10.6%	9.4%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$34.85M	$46.25M	$194.20M	$101.00M	$137.80M	$122.07M
FCFECash flow available to equity holders after debt flows.	$-51.45M	$30.62M	$88.14M	$67.57M	$56.77M	$-64.19M
FCF YieldFree cash flow divided by market capitalization.	9.8%	13.0%	43.6%	7.0%	15.3%	11.1%
Income QualityHow well accounting earnings are backed by cash flow.	0.79	1.02	6.88	0.65	1.50	1.24
Capex / OCFShare of operating cash flow spent on capital expenditures.	0.7%	5.2%	2.2%	10.5%	4.4%	3.9%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	21.0d	26.5d	31.1d	22.7d	21.3d	22.2d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	16.2d	25.0d	13.3d	13.8d	15.7d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	21.0d	26.5d	31.1d	22.7d	21.3d	22.2d
Cash Conversion CycleNet days cash is tied in operations.	4.8d	1.5d	17.8d	8.9d	5.5d	22.2d

Snapshot

Latest / TTM: —

Market Cap

$456.19M

ROE

9.6%

FCF Yield

11.1%

Current Ratio

0.39

Upstream

Federal Home Loan Bank of New York (FHLBNY)OTC:FHLBNFederal Reserve Bank (FRB)Federal Deposit Insurance Corporation (FDIC)Fiserv, Inc.NYSE:FI Jack Henry & Associates, Inc.NASDAQ:JKHYBackbaseVisa Inc. / Mastercard Inc.NYSE:VSmall Business Administration (SBA)FHLB Office of FinanceOTC:FHLBO CoStar Group, Inc.NASDAQ:CSGP

Downstream

Commercial Real Estate Investors (Small-to-Mid-Scale)Owner-Occupied Commercial Real Estate BorrowersCommercial & Industrial (C&I) BorrowersMulti-Family Property OwnersConstruction & Development CompaniesResidential Mortgage BorrowersSmall Business Borrowers (SBA Loans)Atlantic Merchant Services

Proxies

Provident Financial Services, Inc.NYSE:PFS First Bancorp (Southern Pines, NC)NASDAQ:FBNC OceanFirst Financial Corp.NASDAQ:OCFC Peoples Bancorp (Marietta, OH)NASDAQ:PEBO

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First Bank

Key Metrics of FRBA

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of FRBA

Upstream

Downstream

Proxies

Key Metrics of FRBA

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of FRBA

Upstream

Downstream

Proxies