First Bank

FRBA

Banks - Regional · Financial Services

Price

$17.86

-0.38 (-2.08%)

Market Cap

$448.9M

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

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)

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.

Winston Score History

Growth Profile

For growth stock investors

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

Revenue Growth

+0.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-16.2% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

9.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$39M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

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

Growth context

First Bank is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

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.

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Quality

Gross Margin

53.0%

Healthy — 53.0% gross margin

Operating Margin

17.0%

Healthy — 17.0% operating margin

ROCE

1.4%

Weak — 1.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+7.2%

Steady sales growth (7.2% YoY)

EPS YoY

+9.0%

Earnings growing (9.0% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

134%

Turns 134% of profit into real cash

FCF Margin

21.7%

Converts sales into free cash efficiently (21.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.58

Conservative — low debt load (0.58)

Interest Cover

0.57x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

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.

P/E vs Forward

-0.7

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

1.70%

Small dividend — 1.70% yield

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

Dividend Growth

+25.0%

Dividend growing fast (25.0% YoY)

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