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  4. FIRST BANK (NJ)
First Bank (NJ)
XNAS: FRBA
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17.800.07(0.39%)
108.6K
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XNAS 16 Oct, 2026 5:30 PM (EDT)

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Board Meeting
The next board meeting for First Bank (NJ) is on 23 Oct 2026 for the purpose of First Bank Third Quarter Earnings Conference Call for 2026See details

First Bank (NJ) quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for First Bank (NJ) share price target, revenues, EPS, net income and more

First Bank (NJ) quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue First Bank (NJ) Jun-2026 Quarterly Revenue is $37 Million which is growth of 0.7% YoY.

  • POSITIVE

    Quarterly Net Profit First Bank (NJ) Jun-2026 Quarterly Net Profit is $11 Million which is growth of 6.0% YoY.

First Bank (NJ), Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
3736.438.53836.734.133.832.631.232.32828.823.3
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------108.7
Operating Profit
-----------
⌄
-------------
Profit Before Tax
14.69.916.615.313.312.114.412.413.215.210.4-1.49
Tax
3.72.34.33.63.12.83.94.22.12.72-0.12.2
⌄
10.97.712.311.710.29.410.58.211.112.58.4-1.36.8
Diluted NI Avail to Com Stockholders Ann.
10.97.712.311.710.29.410.58.211.112.58.4-1.36.8
Basic EPS
0.40.30.50.50.40.40.40.30.40.50.4-0.10.4
Diluted EPS After ExtraOrdinary
0.40.30.50.50.40.40.40.30.40.50.50.40.4
Number Of Shares End
24.92524.824.82525.125.225.225.1252523.919.3
Net Income Continuing Discontinued Operations
10.97.712.311.710.29.410.58.211.112.58.4-1.36.8
Normalized Income
10.98.112.712.110.310.510.98.511.512.911.610.17.3
Interest Income
57.355.960.361.259.255.856.856.255.653.653.249.936.9
Interest
22.521.824.125.625.223.725.226.12523.322.221.314.8
Net Interest Income
34.83436.235.53432.131.630.130.530.33128.622.1
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
-1.1111.11.11.11.11.111.10.90.5
Profit From Continuing Operations
-7.712.311.710.29.410.58.211.112.58.4-1.36.8
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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First Bank (NJ) competitor comparison and performance snapshot within industry

First Bank (NJ) annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue First Bank (NJ) Dec-2025 Annual Revenue is $147 Million which is growth of 13.4% YoY.

  • POSITIVE

    Annual Net Profit First Bank (NJ) Dec-2025 Annual Net Profit is $44 Million which is growth of 3.3% YoY.

First Bank (NJ), Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
14.7%
14.2%
 147.2129.9103.897.589.675.962.458.441.830.525.5
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----14.9-9.2-19.7-25.8-17.8-11.5-9.4-6.9
Operating Profit Ann.
-
-
 ---112.498.995.688.276.253.34032.4
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
6.2%
17.1%
56.457.355.127.247.946.7261921.614.49.55.1
Tax Ann.
5.4%
15.9%
13.813.612.96.311.611.36.55.64.17.43.11.2
⌄
6.4%
17.5%
42.543.742.220.936.335.419.513.517.676.43.9
Diluted NI Avail to Com Stockholders Ann.
6.4%
17.5%
42.543.742.220.936.335.419.513.517.676.43.9
EPS Ann.
-1.8%
12.5%
 1.81.711.91.810.710.50.60.4
Diluted EPS Ann.
-1.9%
11.2%
 1.71.711.81.810.710.50.60.4
Number Of Shares End
8.3%
4.4%
 24.825.22519.519.52020.418.617.411.4-
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
6.4%
17.5%
42.543.742.220.936.335.419.513.517.676.43.9
Normalized Income Ann.
7.5%
18.5%
43.745.543.436.236.635.919.516.417.710.563.4
Interest Income Ann.
30.1%
21.5%
234.6236.5222.1174107.391.189.284.272.751.238.330.8
Interest Ann.
87.7%
38%
94.198.699.669.514.99.219.725.817.811.59.46.9
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
37.9%
17.2%
 4.24.32.91.61.61.91.71.40.70.60.6
Profit From Continuing Operations Ann.
6.4%
17.5%
 43.742.220.936.335.419.513.417.676.43.9
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
13.3%
2Y CAGR
19.1%
3Y CAGR
14.7%
5Y CAGR
14.2%
7Y CAGR
14.1%
10Y CAGR
19.2%
Total Revenue Annual growth is lower than historical averages.
Net Profit Ann.
1Y CHG
3.6%
2Y CAGR
44.6%
3Y CAGR
6.4%
5Y CAGR
17.5%
7Y CAGR
13.9%
10Y CAGR
27.3%
Net Profit Annual growth is lower than historical averages.

First Bank (NJ) balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund First Bank (NJ) Dec-2025 Total Shareholders Fund is $444 Million which is growth of 8.4% YoY.

  • POSITIVE

    Total Assets First Bank (NJ) Dec-2025 Total Assets is $3,958 Million which is growth of 4.7% YoY.

First Bank (NJ), Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
13.1%
11%
3,9583,780.43,609.32,732.92,510.32,346.32,011.61,711.21,452.31,073.3856.1
⌄
12.9%
10.8%
3,514.53,371.23,238.42,443.42,243.62,108.21,785.21,516.31,289.1984.5787.3
⌄
15.3%
13.2%
443.5409.2370.9289.6266.7238.1226.4194.8163.388.868.8
Total Capitalization Ann.
20.3%
10.8%
714.6686605.3410.2378.1428.8353.8310279.9175114.3
Tangible Assets Ann.
13.2%
12.2%
392.2356.2315.9270.2246.7220.1208.1177.4151.888.668.5
Working Capital Ann.
-
-
---
Invested Capital Ann.
20.3%
10.8%
714.6686605.3410.2378.1428.8353.8310279.9175114.3
Tangible Book Value Ann.
13.2%
12.2%
392.2356.2315.9270.2246.7220.1208.1177.4151.888.668.5
Borrowings Ann.
31%
7.3%
271.1276.9234.4120.7111.5190.6127.4115.2116.686.245.5
Net Debt Ann.
-
-
-18.519.27-90.879.678.969.153.48.1
Share Issued Ann.
9.4%
5.9%
27.627.427.221.120.920.720.518.717.411.4-
Number Of Shares End
8.3%
4.4%
24.825.22519.519.52020.418.617.411.4-
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
4.7%
2Y CAGR
4.7%
3Y CAGR
13.1%
5Y CAGR
11%
7Y CAGR
12.7%
10Y CAGR
16.5%
Total Assets Annual growth is lower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
8.4%
2Y CAGR
9.3%
3Y CAGR
15.3%
5Y CAGR
13.2%
7Y CAGR
12.5%
10Y CAGR
20.5%
Total ShareHolders Funds Annual growth is lower than historical averages.

First Bank (NJ) ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share First Bank (NJ) Book Value Per Share is $17 which is growth of 8.7% YoY.

  • NEUTRAL

    ROE First Bank (NJ) ROE is 0% which is growth of 0% YoY.

First Bank (NJ), Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.14%0.66%1.38%1.46%0.89%0.72%1.11%0.55%0.66%0.45%
ROE Ann. %
-
-
-10.83%6.33%13.05%14.04%8.37%6.38%9.82%5.55%8.13%5.65%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---115.27%110.29%125.88%141.38%130.47%127.61%130.86%127.26%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.70.60.40.40.80.60.60.710.7
*All financials are in USD Million and price data in USD
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First Bank (NJ) cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity First Bank (NJ) Dec-2025 Cash From Operating Activity is $66 Million which is growth of 137.3% YoY.

  • NEGATIVE

    Net Cash Flow First Bank (NJ) Dec-2025 Net Cash Flow is $37 Million which is growth of -15.1% YoY.

First Bank (NJ), Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
21.1%
21.8%
65.627.6143.836.92824.520.836.916.59.25.1
⌄
-
-
-155.1-107.220.3-233.17-327.2-81.2-140.7-167.9-222.3-166.5
⌄
-8.9%
-16.7%
126.9123.5-62.1167.624316.486.7115.8164.4210.1174.3
Cash Plus Cash Eqv. End Of Year Ann.
34.9%
26.5%
309.2271.9228125.9154.595.581.855.443.430.333.3
Net Increase In Cash Plus Cash Eqv.s Ann.
-
22.2%
37.344102-28.65913.726.412.113.1-313
Cash Plus Cash Eqv. Begin Of Year Ann.
20.7%
27.2%
271.9228125.9154.595.581.855.443.430.333.320.4
Income Tax Paid Supplemental Data Ann.
-16.6%
-1.5%
6.24.77.810.711.66.73.94.25.62.92.6
Interest Paid Supplemental Data Ann.
106.8%
37.1%
97.397.669.5119.420.125.917.811.29.46.7
Capex Ann.
-
-
-2.9-2.9-3.1-1.9-0.2-0.4-1-1.8-0.4-0.5-0.5
Issuance Of Capital Stock Ann.
-
-
------0.737.513.4
Issuance Of Debt Ann.
48%
16.8%
429.3390520132.4197.8107137.180.678.531.5
Repayment Of Debt Ann.
-
-
-435.2-347.1-572.6-136.8-79.3-134.7-94.9-138.6-70.3-38
Repurchase Of Capital Stock Ann.
-
-
-8.5-1.3-5.5-3.5-4.1-8.2-----
Free Cash Flow Ann.
21.5%
21%
62.724.7140.73527.924.219.835.116.18.74.6
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
137.7%
2Y CAGR
-32.5%
3Y CAGR
21.1%
5Y CAGR
21.8%
7Y CAGR
8.6%
10Y CAGR
29.1%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
2.8%
3Y CAGR
-8.9%
5Y CAGR
-16.7%
7Y CAGR
1.3%
10Y CAGR
-3.1%
Cash from Financing Annual Activity growth is higher than historical averages.
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