US · FRBA
First Bank
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Hamilton, NJ 08690
- Website
- firstbanknj.com
Price · as of 2025-12-31
$14.92
Market cap 400.14M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $53.20 | +256.57% |
| Intrinsic Value(DCF) | $45.88 | +207.51% |
| Graham-Dodd Method(GD) | $24.76 | +65.92% |
| Graham Formula(GF) | $26.95 | +80.62% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | $4.53 | ||||
| 2013 | $5.52 | $24.29 | $1.30 | $11.79 | $9.69 |
| 2014 | $5.53 | $34.19 | $0.00 | $10.14 | $50.08 |
| 2015 | $5.67 | $39.55 | $976.20 | $9.36 | $24.03 |
| 2016 | $10.79 | $39.04 | $125.57 | $11.60 | $18.64 |
| 2017 | $12.73 | $43.17 | $47.56 | $12.03 | $19.71 |
| 2018 | $10.09 | $39.28 | $87.95 | $12.83 | $47.57 |
| 2019 | $8.90 | $53.80 | $17.58 | $12.72 | $16.36 |
| 2020 | $12.11 | $32.44 | $10.75 | $14.25 | $15.81 |
| 2021 | $13.08 | $43.77 | $13.33 | $19.48 | $20.56 |
| 2022 | $11.24 | $43.19 | $14.73 | $19.64 | $39.33 |
| 2023 | $12.80 | $62.05 | $31.96 | $16.02 | $57.12 |
| 2024 | $14.72 | $71.05 | $354.50 | $19.33 | $65.78 |
| 2025 | $16.01 | $53.20 | $169.58 | $24.76 | $26.95 |
AI valuation
Our deep-learning model estimates First Bank's (FRBA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $53.20
- Current price
- $14.92
- AI upside
- +256.57%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$45.88
+207.51% upside
Graham-Dodd
$24.76
+65.92% upside
Graham Formula
$26.95
+80.62% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FRBA | First Bank | $14.92 | 400.14M | +257% | +208% | +66% | +81% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| BSRR | Sierra Bancorp | $35.98 | 485.1M | +97% | -16% | +13% | +18% | 11.52 | 1.34 | 2.41 | -0.80 | 112.06 | 1.45 | 73.86% | 27.92% | 20.96% | 11.72% | -28.91% | 1.14% | 1.42 | 1.21 | 0.57 | 0.57 | 6.80 | 1028.00% | 567.00% | -3981.00% | 6.91% | 0.02 | -23.00% | 0.00% | 0.00% | 0.00% | -0.80 | -1.33 | -0.22 | -0.07 |
| BSVN | Bank7 Corp. | $40.68 | 384.56M | +32% | +297% | -17% | +105% | 8.02 | 1.72 | 2.57 | 1.52 | 13.66 | 1.80 | 68.24% | 42.27% | 32.00% | 23.83% | -40.08% | 2.60% | 0.00 | 1.33 | 0.18 | 0.18 | -3.92 | 5869.00% | 918.00% | 985.00% | 13.88% | 0.04 | -44.60% | 2.20% | 17.60% | 13.90% | 1.54 | 1.83 | 0.65 | -0.42 |
| CARE | Carter Bankshares, Inc. | $20.84 | 460.29M | +154% | -24% | +23% | -6% | 14.99 | 1.12 | 1.85 | 16.22 | 46.75 | 1.13 | 61.68% | 15.71% | 12.32% | 7.80% | 23.55% | 0.66% | 0.43 | 0.39 | 0.05 | 0.00 | 4.46 | 3208.00% | 624.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 16.22 | — | 2.55 | -0.22 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FBIZ | First Business Financial … | $54.65 | 454.98M | +15% | +74% | +37% | +61% | 8.90 | 1.21 | 1.60 | 10.93 | 53.84 | 1.25 | 57.29% | 21.65% | 18.02% | 14.37% | 13.57% | 1.27% | 0.68 | 0.55 | 0.31 | 26.62 | 3.52 | 1654.00% | 643.00% | 669.00% | 13.64% | 0.49 | 16.48% | 0.00% | 0.00% | 0.00% | 10.93 | 10.81 | 2.37 | 0.27 |
| GCBC | Greene County Bancorp, In… | $22.07 | 375.78M | +130% | +15% | -13% | +70% | 12.63 | 1.65 | 2.96 | 0.48 | 48.19 | 1.65 | 55.69% | 26.08% | 23.42% | 14.00% | -22.60% | 1.06% | 0.54 | 0.60 | 0.19 | 0.19 | -1.58 | 2621.00% | 1307.00% | 1660.00% | 6.94% | 0.01 | -19.81% | 1.14% | 14.40% | 16.99% | 0.49 | 0.62 | 0.13 | -0.59 |
| HBCP | Home Bancorp, Inc. | $59.10 | 462.64M | -38% | -25% | -21% | +50% | 9.74 | 0.90 | 1.78 | 9.78 | — | 1.14 | 66.38% | 22.66% | 18.27% | 9.54% | 6.97% | 1.08% | 0.59 | 0.70 | 0.04 | 0.04 | 2.81 | -842.00% | 1183.00% | 1358.00% | 12.59% | 0.02 | 8.55% | 2.31% | 22.50% | 14.80% | 10.53 | 10.65 | 2.39 | -0.70 |
| KRNY | Kearny Financial Corp. | $7.65 | 481.05M | +555% | -29% | -27% | -30% | 15.36 | 0.54 | 1.17 | 13.29 | — | 0.63 | 44.14% | 9.02% | 7.59% | 3.48% | 2.55% | 0.34% | 1.68 | 0.16 | 1.20 | 1.20 | 30.36 | -13022.00% | 509.00% | -4982.00% | 5.34% | 0.00 | 2.09% | 6.90% | 106.00% | 120.99% | 15.38 | 22.30 | 1.39 | 0.33 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| WTBA | West Bancorporation, Inc. | $24.35 | 412.51M | +183% | -23% | +4% | -33% | 12.86 | 1.57 | 2.11 | 0.76 | 36.53 | 1.57 | 47.99% | 20.87% | 16.40% | 13.19% | -22.55% | 0.80% | 0.40 | 0.40 | — | — | 1.96 | 3521.00% | 33.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 16.22% | 0.76 | — | 0.16 | 0.39 |
About First Bank
First Bank provides various banking products and services to individuals, businesses, and governmental entities. The company accepts various deposits, including non-interest bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking accounts. Its loan products include commercial and industrial loans; commercial real estate loans, such as owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans comprising residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans that include auto, personal, and traditional installment loans. The company also provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone, as well as ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services. As of December 31, 2021, it operated 18 full-service branches in Cinnaminson, Cranbury, Delanco, Denville, Ewing, Flemington, Hamilton, Hamilton, Lawrence, Mercerville, Pennington, Randolph, Somerset, and Williamstown counties in New Jersey, as well as Doylestown, Trevose, Warminster, and West Chester counties in Pennsylvania. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.
- CEO
- Patrick L. Ryan
- Employees
- 315
- Beta
- 0.69
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($45.88 ÷ $14.92) − 1 = +207.51% (DCF, example).