First Bank Reports Q4 Revenue of $38.46M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 26 2026
0mins
Should l Buy FRBA?
Reports Q4 revenue $38.46M, consensus $37.42M. Reports Q4 tangible book value per share $15.81. Reports Q4 CET1 capital ratio 10.67%. Patrick Ryan, president and CEO of First Bank, stated, "We experienced continued improvement in our core operating trends and we also saw a number of "non-standard" items during the fourth quarter. Our community banking and specialty banking teams continued to execute our strategy to grow deep commercial relationships, building solid loan and deposit pipelines heading into 2026. During the fourth quarter we increased our net interest margin with effective pricing and balance sheet management, even as loan balances retracted amidst elevated payoff activity during the quarter. We operated with an efficiency ratio that remained below 60% for the 26th consecutive quarter, contributing to strong pre-provision net revenue and demonstrating our core operating strength."
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Analyst Views on FRBA
Wall Street analysts forecast FRBA stock price to fall
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 17.020
Low
17.00
Averages
17.00
High
17.00
Current: 17.020
Low
17.00
Averages
17.00
High
17.00
About FRBA
First Bank is a chartered bank with 26 full-service branches in Cinnaminson, Delanco, Denville, Ewing, Fairfield, Flemington (2), Hamilton, Lawrence, Monroe, Morristown, Pennington, Randolph, Somerset and Williamstown, New Jersey; and Coventry, Devon, Doylestown, Glenn Mills, Lionville, Malvern, Paoli, Trevose, Warminster and West Chester, Pennsylvania; and Palm Beach, Florida. It offers a full range of deposit and loan products to individuals and businesses throughout the New York City to Philadelphia corridor. Its business banking services include checking, savings and money market, treasury management, and government banking. Its lending services include business lending, personal lending, and home equity and lines. Its business lending includes asset-based lending, business express, private equity banking, lines of credit, term loans, and small business administration (SBA) lending. Its personal lending includes Residential Mortgage Loans, Personal Secured Loans, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Financial Results Release: The company will release its first-quarter results after market close on April 27, 2026, with information available in the 'Investor Relations' section of its website, ensuring all stakeholders are promptly informed about the company's financial status.
- Management Participation: The call will feature key executives including CEO Patrick L. Ryan and CFO Andrew L. Hibshman, demonstrating the leadership's commitment to performance and investor relations, thereby boosting market confidence.
- Asset Overview: As of December 31, 2025, First Bank reported total assets of $3.96 billion, offering a full range of deposit and loan products, showcasing its competitive position in the New York to Philadelphia corridor and Florida, supporting future business growth.
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Focus on Customer Experience: The initiative is designed to improve the overall customer experience by strategically positioning branches in high-demand areas.
Cost Efficiency Measures: The bank aims to reduce costs associated with underperforming branches while reallocating resources to more profitable locations.
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- Loan and Deposit Dynamics: Total loans declined by $81 million in the quarter, yet increased by $149 million year-over-year, primarily due to $135 million in loan payoffs, with management targeting $200 million in net loan growth for 2026.
- Expense Management and Income: Noninterest income reached $2.3 million, while noninterest expenses were $17.1 million, benefiting from a $1.9 million one-time gain from an OREO sale, leading to an improved efficiency ratio of 49.46%, showcasing effective cost control.
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- Revenue Increase: The company's revenue rose by 13.9% to $38.46 million compared to $33.77 million last year, demonstrating enhanced competitiveness in the market.
- Financial Performance Overview: Under GAAP standards, First Bank's earnings and revenue exceeded market expectations, reflecting robust performance and effective management in the current economic environment.
- Increased Market Confidence: The dual growth in earnings and revenue is likely to boost investor confidence in First Bank, potentially having a positive impact on its stock price and further driving the company's future growth.
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- Significant Revenue Growth: The bank reported revenues of $38.46 million for Q4, reflecting a 13.9% year-over-year increase, surpassing market expectations by $1.04 million, indicating strong momentum in its core business areas.
- Positive Market Reaction: The revenue beat is likely to positively impact First Bank's stock price, enhancing investor confidence in its future growth potential and increasing market interest in its shares.
- Optimistic Future Outlook: With ongoing operational optimizations and market share expansion, the bank is expected to lay a solid foundation for its financial performance in 2025 and beyond, attracting more investor attention to its long-term growth strategy.
See More
First Bank (FRBA) Q3 2024 Earnings Call Transcript
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First Bank to Host Q1 2026 Earnings Call
- Earnings Call Announcement: First Bank will hold its earnings conference call on April 28, 2026, at 9:00 AM ET to discuss financial and operational performance for the quarter ending March 31, 2026, with a management presentation lasting 15 to 30 minutes followed by investor questions, enhancing transparency and engagement.
- Financial Results Release: The company will release its first-quarter results after market close on April 27, 2026, with information available in the 'Investor Relations' section of its website, ensuring all stakeholders are promptly informed about the company's financial status.
- Management Participation: The call will feature key executives including CEO Patrick L. Ryan and CFO Andrew L. Hibshman, demonstrating the leadership's commitment to performance and investor relations, thereby boosting market confidence.
- Asset Overview: As of December 31, 2025, First Bank reported total assets of $3.96 billion, offering a full range of deposit and loan products, showcasing its competitive position in the New York to Philadelphia corridor and Florida, supporting future business growth.
See More
FIRST BANK UNVEILS STRATEGIC PLAN FOR BRANCH OPTIMIZATION
Strategic Branch Optimization: First Bank has announced a new plan aimed at optimizing its branch network to enhance operational efficiency and customer service.
Focus on Customer Experience: The initiative is designed to improve the overall customer experience by strategically positioning branches in high-demand areas.
Cost Efficiency Measures: The bank aims to reduce costs associated with underperforming branches while reallocating resources to more profitable locations.
Long-term Growth Strategy: This optimization plan is part of First Bank's broader strategy for sustainable growth and adapting to changing market conditions.
See More
First Bank Q4 2025 Earnings Call Insights
- Net Income Growth: First Bank reported a net income of $12.3 million for Q4 2025, translating to $0.49 per diluted share and a return on average assets of 1.21%, indicating robust profitability despite rising loan payoffs.
- Loan and Deposit Dynamics: Total loans declined by $81 million in the quarter, yet increased by $149 million year-over-year, primarily due to $135 million in loan payoffs, with management targeting $200 million in net loan growth for 2026.
- Expense Management and Income: Noninterest income reached $2.3 million, while noninterest expenses were $17.1 million, benefiting from a $1.9 million one-time gain from an OREO sale, leading to an improved efficiency ratio of 49.46%, showcasing effective cost control.
- Strategic Adjustments and Outlook: Management plans to enhance profitability through optimizing deposit costs and strengthening relationship banking, with a focus on improving credit quality in small business loans to address current delinquency and charge-off risks.
See More
First Bank Reports Increased Q4 Earnings
- Earnings Growth: First Bank's Q4 net income reached $12.32 million, translating to an EPS of $0.49, which marks a significant increase from last year's $10.50 million and $0.41 per share, indicating improved profitability.
- Revenue Increase: The company's revenue rose by 13.9% to $38.46 million compared to $33.77 million last year, demonstrating enhanced competitiveness in the market.
- Financial Performance Overview: Under GAAP standards, First Bank's earnings and revenue exceeded market expectations, reflecting robust performance and effective management in the current economic environment.
- Increased Market Confidence: The dual growth in earnings and revenue is likely to boost investor confidence in First Bank, potentially having a positive impact on its stock price and further driving the company's future growth.
See More
First Bank Reports Q4 2025 Earnings Results
- Earnings Performance: First Bank's Q4 GAAP EPS stands at $0.49, aligning with market expectations, demonstrating the company's consistent ability to maintain stable profitability.
- Significant Revenue Growth: The bank reported revenues of $38.46 million for Q4, reflecting a 13.9% year-over-year increase, surpassing market expectations by $1.04 million, indicating strong momentum in its core business areas.
- Positive Market Reaction: The revenue beat is likely to positively impact First Bank's stock price, enhancing investor confidence in its future growth potential and increasing market interest in its shares.
- Optimistic Future Outlook: With ongoing operational optimizations and market share expansion, the bank is expected to lay a solid foundation for its financial performance in 2025 and beyond, attracting more investor attention to its long-term growth strategy.
See More
First Bank (FRBA) Q3 2024 Earnings Call Transcript
See More
