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First Bank

FRBA
54
Banks - Regional · Financial Services
Price
$18.21
+0.03 (+0.17%)
Market Cap
$457.7M
Exchange
NASDAQ
Winston Score
54
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Good
Capital Strength
Strong
Asset Quality
Good
Valuation
Good
Dividends
Good
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Share count rising — dilution

+26.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 19.8M (2021) → 25.1M (2025)

Winston Score History

The full picture

First Bank is a community bank based in New Jersey. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small-to-medium-sized businesses in the region. It operates branches across New Jersey and parts of Pennsylvania.

The bank makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits — this is called net interest income. With a market cap of around $400 million, First Bank is a small regional player competing against both larger national banks and other local community banks. Its main competitive edge is local relationships and personalized service, though its relatively low return on invested capital signals thin profitability, and rising interest rates or a slowdown in loan demand could pressure earnings going forward.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+7.3% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

9.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$3.9B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

First Bank's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
6.8%
no trend
Weak — 6.8% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.70%
no trend
Wide spread — 3.70% net interest margin
Cost of running the bank
Efficiency Ratio
56.4%
no trend
Efficient — 56.4% efficiency ratio

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Growth

Sales growth
Sales YoY
+3.6%
Slow sales growth (+3.6% YoY)
Profit growth
EPS YoY
+13.2%
Earnings growing (+13.2% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
10.9%
no trend
Well capitalised — 10.9% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.67%
no trend
Clean loan book — 0.67% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.61%
no trend
Rising losses — 0.61% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
10.6x
Attractive valuation — P/E 10.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.6
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
1.98%
Small dividend — 1.98% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+37.5%
Dividend growing fast (37.5% YoY)

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