Stocks · Financial Services · Banks - Regional
First Bank FRBA
$17.79 +1.60% Close, Oct 2, 2026 · NASDAQ · Market cap $447.1M
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 10.5× trailing earnings, higher than 90% of the company's own readings over the past five years.
- Net debt is 4.0× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 81 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth63Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 39%
- EPS growth (TTM, YoY)Bottom 40%
- FCF growth (TTM, YoY)Top 7%
- Revenue growth, 3-year CAGRTop 16%
- Revenue growth accelerationBottom 28%
Quality35Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 45%
- Gross marginBottom 28%
- Operating marginTop 47%
- Cash conversion (OCF / net income)Top 44%
- Accruals (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Bottom 31%
- Interest coverBottom 32%
Value66Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 19%
- Free-cash-flow yieldTop 29%
- EBITDA / enterprise valueTop 36%
- Sales / enterprise valueTop 40%
- P/E vs own 5-year history (lower is better)Bottom 14%
Momentum60Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 46%
- 6-month returnTop 40%
- 1-year return vs S&P 500Top 42%
- Distance from 52-week highTop 40%
- Trend checklist (0–4)Top 27%
Revisions26Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 17%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetBottom 35%
Stability54Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 50%
- Maximum drawdown, 3 yearsTop 31%
- Beta vs S&P 500 (lower is better)Top 39%
- Net debt / EBITDA (lower is better)Bottom 31%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.2% | 3.6% | ↓ |
| EPS growth (YoY) | 8.4% | 11.9% | ↑ |
| Gross margin | 55.3% | 55.4% | ↑ |
| Operating margin | 22.0% | 22.9% | ↑ |
| FCF margin | 6.5% | 20.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.6% | 7.2% | ↓ | Bottom 39% |
| EPS growth (TTM, YoY) | 11.9% | 8.4% | ↑ | Bottom 40% |
| Gross margin | 55.4% | 55.3% | ↑ | Bottom 28% |
| Operating margin | 22.9% | 22.0% | ↑ | Top 47% |
| Net margin | 17.3% | 16.1% | ↑ | — |
| Free-cash-flow margin | 20.6% | 6.5% | ↑ | — |
| Return on invested capital | 1.1% | — | Bottom 45% | |
| Revenue growth, 3-year CAGR | 30.0% | — | Top 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.24×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -0.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.02×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.67%
- Net buyback yield (TTM)
- 1.40%
- Shareholder yield
- 3.07%
- Share count change, 1 year
- -0.6%
- Share count change, 3-year CAGR
- +8.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jun 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -6.6%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $19.67
- Target vs current price
- +10.6%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +7.5% | +0.5% | +7.8% | +4.1% | — |
| Apr 27, 2026 | -36.2% | +1.3% | -9.7% | -6.3% | +5.3% |
| Jan 26, 2026 | +0.0% | -0.8% | -1.3% | -3.1% | -2.2% |
| Oct 22, 2025 | +2.2% | +0.6% | +1.9% | -3.4% | +8.8% |
| Jul 22, 2025 | -4.7% | +0.3% | -2.1% | +2.3% | +1.6% |
| Apr 22, 2025 | -5.1% | +4.3% | +4.8% | +12.5% | +15.0% |
| Jan 23, 2025 | +7.7% | +1.4% | +11.1% | +9.8% | -1.4% |
| Oct 23, 2024 | -20.0% | +0.7% | -4.4% | -2.2% | -6.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.43 | $0.40 | +7.5% | $37.0M |
| Apr 27, 2026 | $0.30 | $0.47 | -36.2% | $36.4M |
| Jan 26, 2026 | $0.49 | $0.49 | +0.0% | $38.5M |
| Oct 22, 2025 | $0.47 | $0.46 | +2.2% | $38.0M |
| Jul 22, 2025 | $0.41 | $0.43 | -4.7% | $36.6M |
| Apr 22, 2025 | $0.37 | $0.39 | -5.1% | $34.1M |
| Jan 23, 2025 | $0.42 | $0.39 | +7.7% | $33.8M |
| Oct 23, 2024 | $0.32 | $0.40 | -20.0% | $32.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.5× | 9.5× | 90th | Top 19% |
| P/E (forward) | 11.0× | — | — | — |
| EV / EBITDA | 11.5× | — | — | Top 36% |
| EV / Sales | 2.79× | — | — | Top 40% |
| Free-cash-flow yield | 11.34% | — | — | Top 29% |
| Earnings yield | 9.50% | — | — | Top 19% |
P/E over the past five years
Range 5.6× – 14.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +11.4%
- Earnings per share growth (TTM)
- +11.9%
- Change in P/E multiple
- +2.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 81
- 50-day average slope (20 days)
- +0.5%
- 200-day average slope (20 days)
- +1.1%
- Distance from 50-day average
- -2.0%
- Distance from 200-day average
- +5.5%
- RSI (14)
- 49.9
- Relative volume
- 0.98×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.7%
- Volatility vs own 5-year history
- 7th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.57
- Correlation with S&P 500
- 0.34
- Current drawdown from 1-year high
- -6.5%
- Maximum drawdown, 3 years
- -22.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 16, 2022 | May 2, 2023 | -48.4% | 178 days | 581 days (Aug 26, 2025) |
| Dec 18, 2025 | May 4, 2026 | -19.3% | 92 days | 50 days (Jul 16, 2026) |
| Mar 12, 2021 | Apr 22, 2021 | -16.2% | 28 days | 7 days (May 3, 2021) |
| Nov 24, 2021 | Jul 14, 2022 | -12.6% | 158 days | 19 days (Aug 10, 2022) |
| Mar 5, 2021 | Mar 8, 2021 | -11.8% | 1 days | 4 days (Mar 12, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $447.1M
- P/E (TTM)
- 10.5
- EPS, diluted (TTM)
- $1.69
- Revenue (TTM)
- $245.8M
- Dividend yield
- 1.85%
- 52-week range
- $14.41 – $19.33
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $98.9M | $112.4M | $173.3M | $229.4M | $246.8M |
| Gross profit | $89.9M | $94.6M | $95.9M | $128.7M | $136.3M |
| Operating income | $46.7M | $47.9M | $27.2M | $55.1M | $57.3M |
| Net income | $35.4M | $36.3M | $20.9M | $42.2M | $43.7M |
| EPS (diluted) | $1.79 | $1.84 | $0.95 | $1.67 | $1.74 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $58.6M | $59.0M | $57.8M | $61.9M | $63.6M | $64.5M | $58.2M | $59.4M |
| Net income | $8.2M | $10.5M | $9.4M | $10.2M | $11.7M | $12.3M | $7.6M | $10.9M |
| EPS (diluted) | $0.32 | $0.41 | $0.37 | $0.41 | $0.47 | $0.49 | $0.30 | $0.43 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $28.0M | $36.9M | $143.8M | $27.6M | $65.6M |
| Capital expenditure | -$189,000 | -$1.9M | -$3.1M | -$2.9M | -$2.9M |
| Free cash flow | $27.9M | $35.0M | $140.7M | $24.7M | $62.7M |
| Dividends paid | -$2.9M | -$4.7M | -$5.3M | -$6.0M | -$6.0M |
| Net share buybacks | -$3.9M | -$3.5M | -$5.5M | -$1.3M | -$7.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $36.9M
- Total assets
- $4.09B
- Total liabilities
- $3.63B
- Total debt
- $276.0M
- Net debt
- $239.0M
- Shareholders’ equity
- $453.2M
As of Jun 30, 2026 (filed Jun 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.09 | Aug 21, 2026 |
| May 8, 2026 | $0.09 | May 22, 2026 |
| Feb 6, 2026 | $0.09 | Feb 20, 2026 |
| Nov 7, 2025 | $0.06 | Nov 21, 2025 |
| Aug 8, 2025 | $0.06 | Aug 22, 2025 |
| May 9, 2025 | $0.06 | May 23, 2025 |
| Feb 7, 2025 | $0.06 | Feb 21, 2025 |
| Nov 8, 2024 | $0.06 | Nov 22, 2024 |
Short interest
- Shares sold short
- 402,980
- Days to cover
- 4.68
- Change vs previous report
- +8.7%
FINRA short interest, settlement date Sep 15, 2026.