FRBA
First Bank·NASDAQ
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FRBA fundamentals
First Bank (FRBA) released its earnings on Jan 26, 2026: revenue was 38.46M (YoY +14.59%), beat estimates; EPS was 0.49 (YoY +19.51%), met estimates.
Revenue / YoY
38.46M
+14.59%
EPS / YoY
0.49
+19.51%
Report date
Jan 26, 2026
FRBA Earnings Call Summary for Q4,2025
- NIM Expansion Drives Profit: Q4 NIM 3.74% (up 20 bps YoY), ROA 1.21%, ROE 12.58% reflect strong margin performance.
- Small Business Portfolio Challenges: Elevated delinquencies and charge-offs (all small business) require strategic adjustments.
- Expense Efficiency: Full-year expense ratio 1.97%, Q4 efficiency ratio 49.46%, with one-time OREO gain boosting Q4 results.
- 2026 Growth Targets: $200M loan growth, deposit cost reduction, and modest noninterest income expansion.
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Key Indicators
First Bank (FRBA) key financial stats and ratios, covering profitability, financial health, and leverage.
First Bank (FRBA)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First Bank (FRBA)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First Bank (FRBA)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First Bank (FRBA) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Bank (FRBA) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the revenue and EPS growth rate for First Bank year over year?What is the market's earnings forecast for First Bank next quarter?Did First Bank beat or miss consensus estimates last quarter?What factors drove the changes in First Bank's revenue and profit?What does First Bank do and what are its main business segments?What is First Bank's gross profit margin?What were the key takeaways from First Bank’s earnings call?What guidance did First Bank's management provide for the next earnings period?
