Stock FRBA FIRST BANK
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Financials First Bank

Equities

FRBA

US31931U1025

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
12.14 USD +1.59% Intraday chart for First Bank -4.56% -17.41%
12:20am REPUBLIC FIRST BANK CLOSED FRIDAY BY THE PENNSYLVANIA DEPARTMENT… RE
Apr. 24 Piper Sandler Adjusts Price Target on First Bank to $15 From $16, Maintains Overweight Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 226.1 184.9 282.5 267.5 366.7 304.7 -
Enterprise Value (EV) 1 226.1 184.9 282.5 267.5 366.7 304.7 304.7
P/E ratio 14 x 9.67 x 8.11 x 7.48 x 15.5 x 7.12 x 6.92 x
Yield 1.09% 1.28% 1.03% 1.74% 1.63% 1.98% 2.09%
Capitalization / Revenue 3.63 x 2.44 x 3.15 x 2.74 x 3.53 x 2.33 x 2.16 x
EV / Revenue 3.63 x 2.44 x 3.15 x 2.74 x 3.53 x 2.33 x 2.16 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.99 x 0.78 x 1.06 x 0.92 x 0.99 x 0.75 x 0.68 x
Nbr of stocks (in thousands) 20,459 19,715 19,469 19,443 24,942 25,096 -
Reference price 2 11.05 9.380 14.51 13.76 14.70 12.14 12.14
Announcement Date 1/29/20 1/27/21 1/26/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 62.36 75.9 89.64 97.49 103.8 130.6 141.3
EBITDA - - - - - - -
EBIT 1 25.43 35.52 47.1 51.18 35.1 58.35 63.76
Operating Margin 40.78% 46.79% 52.54% 52.5% 33.82% 44.69% 45.14%
Earnings before Tax (EBT) 1 21.45 25.98 46.72 47.89 27.16 55.79 57.93
Net income 1 15.24 19.45 35.43 36.29 20.9 43 44.18
Net margin 24.44% 25.62% 39.52% 37.22% 20.13% 32.94% 31.28%
EPS 2 0.7900 0.9700 1.790 1.840 0.9500 1.705 1.753
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.1200 0.1200 0.1500 0.2400 0.2400 0.2400 0.2533
Announcement Date 1/29/20 1/27/21 1/26/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 22.68 22.85 22.42 24.38 25.52 25.2 23.77 23.26 28.79 28 32.28 32.11 32.72 33.54 33.61
EBITDA - - - - - - - - - - - - - - -
EBIT 1 12.16 11.52 11.29 12.96 13.77 13.18 10.26 9.434 5.301 10.06 14.47 14.26 14.65 15.15 14.8
Operating Margin 53.61% 50.4% 50.37% 53.17% 53.97% 52.29% 43.15% 40.57% 18.41% 35.94% 44.83% 44.42% 44.79% 45.17% 44.04%
Earnings before Tax (EBT) 1 12 10.2 10.65 11.67 13.55 12.02 9.165 8.985 -1.349 10.36 15.17 13.14 13.5 13.98 13.55
Net income 1 9.036 7.839 8.158 8.823 10.21 9.1 6.989 6.799 -1.271 8.38 12.51 10.1 10.12 10.27 10.06
Net margin 39.84% 34.3% 36.38% 36.19% 40% 36.12% 29.41% 29.24% -4.42% 29.93% 38.76% 31.45% 30.95% 30.61% 29.92%
EPS 2 0.4600 0.4000 0.4100 0.4500 0.5200 0.4600 0.3600 0.3500 -0.0500 0.3300 0.5000 0.4000 0.4000 0.4050 0.4000
Dividend per Share 2 0.0300 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0633
Announcement Date 10/26/21 1/26/22 4/25/22 7/26/22 10/25/22 1/25/23 4/26/23 7/26/23 10/25/23 1/24/24 4/22/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 7.2% 8.45% 14% 13.2% 11.1% 10.8% 10.3%
ROA (Net income/ Total Assets) 0.82% 0.87% 1.46% 1.42% 1.14% 1.17% 1.16%
Assets 1 1,862 2,235 2,427 2,555 1,833 3,691 3,820
Book Value Per Share 2 11.20 12.10 13.70 14.90 14.90 16.30 17.80
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/29/20 1/27/21 1/26/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for First Bank

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
3
Last Close Price
12.14 USD
Average target price
16.17 USD
Spread / Average Target
+33.17%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Retail & Mortgage Banks
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  4. Financials First Bank