First Bank Common Stock (FRBA)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at First Bank as a small regional lender with 338 employees and a $418.3 million market value, serving small and mid-sized businesses and individuals. That can be a decent relationship business, but the data do not prove a durable moat. At the 2026-10-13 close of $17.62, FairStock calculates a P/E of 10.30 and a P/B of 0.96. For a bank earning a FairStock ROE of 9.72%, that is not an outrageous price: roughly a dollar of stock for a dollar of book, and about ten dollars for each dollar of earnings. Still, a bank should earn above its cost of equity to deserve book value or better, and 9.72% is only adequate. The latest quarter shown, 2026-Q1, had revenue of $36.4 million, net income of $7.6 million, and a 21.01% margin. That is profitable. But the supplied profit growth figure is -18.49% (period not specified), and FairStock's Piotroski F-Score is only 4/9, not a sign of improving financial strength. The FairStock Score of 66/100 is middling. The Lynch category is none because there are only 0 years of filed results and three are needed, so I cannot judge earnings consistency. What I cannot see matters greatly: CET1, net interest margin, nonperforming loans, reserves, loan-loss provisions, and efficiency ratio are not in the data. The combined ratio is an insurer measure, not provided and not relevant here. D/E is N/A. I would treat the 0.96 P/B as a possible value signal, not a proven bargain. The 1.88% dividend and 0.56 beta are defensive, but negative profit growth and missing credit data keep me cautious.

In plain English: First Bank is a small regional bank that lends to small and mid-sized businesses and individuals. It is profitable, but recent profit growth has been negative and its overall financial score is only middling. The stock price looks modest compared with its profits and net asset value, but not clearly cheap because earnings have been shrinking.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer