First Bank (FRBA) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-01, First Bank (NASDAQ: FRBA) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $19.44 (+0.47% 1D, market cap $488.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FRBA ranks #857 in composite RQD confidence.
Within the Financials sector (Major Banks), FRBA carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PBAM (Private Bancorp of America Inc.) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $490.2M) and CZNC (Citizens & Northern Corp) posts a C+ grade (67/100 RQD, P/E 21.3x, ROIC 6.9%, cap $498.9M). Among the 5-stock peer group, WTBA leads on earnings multiple (15.7x) while WTBA leads on capital efficiency (12.2% ROIC).
For First Bank (FRBA), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #857 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
SEC XBRL Trailing 12 Months: 0.3% FCF Margin ($13.7M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)
While FRBA currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($18.00) and Max Pain ($20.41) forces dealer call-delta covering toward $22.11.
Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
First Bank (FRBA) advanced +0.47% to $19.44, trading at 91% of its 52-week range ($14.41 – $19.95). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
First Bank just posted Q3 2026 earnings that look steadier than today’s stock move suggests. The shares closed at US$19.39, up 4.5% on the day, after the bank reported quarterly net income of US$12.2m and basic earnings
First Bank (NASDAQ:FRBA) reported third-quarter 2026 net income of $12.2 million, or $0.49 per diluted share, as higher net interest income, loan growth and operating discipline supported improved profitability. Presiden
First Bank (NASDAQ:FRBA) reported third-quarter financial results on Friday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs. For
FIRST BANK (FRBA) delivered earnings and revenue surprises of +11.36% and +2.82%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
First Bank (NASDAQ:FRBA) reported quarterly earnings of $0.49 per share which beat the analyst consensus estimate of $0.44 by 11.36 percent. This is a 4.26 percent increase over earnings of $0.47 per share from the same
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FRBA today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FRBA. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, First Bank (FRBA) ranks #857 by composite RQD confidence (50/100, grade D) and #710 by equity capitalization ($488.6M). Within this direct 5-issuer industry benchmark cohort, WTBA leads on earnings valuation at 15.7x trailing P/E, while WTBA leads on capital efficiency and profitability with 12.2% ROIC and — gross margin. CZNC currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with FRBA at 50/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FRBA
ACTIVE
First Bank | D | 50/100 | — | — | — | +0.47% | $488.6M | Benchmark Subject |
| PBAM Private Bancorp of America Inc. | D | 50/100 | — | — | — | +0.22% | $490.2M | /pbam-vs-frba → |
| CZNC Citizens & Northern Corp | C+ | 67/100 | 21.3x | — | 6.9% | +1.20% | $498.9M | /cznc-vs-frba → |
| BMRC Bank of Marin Bancorp | C+ | 66/100 | 17.6x | — | 6.7% | -0.31% | $466.4M | /bmrc-vs-frba → |
| WTBA West Bancorporation | C | 63/100 | 15.7x | — | 12.2% | -1.38% | $512.0M | /wtba-vs-frba → |
First Bank (FRBA) operates in Major Banks (Financials) with an equity capitalization of $488.6M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.
As of 2026-11-01, First Bank (NASDAQ: FRBA) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $19.44 (+0.47% 1D, market cap $488.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FRBA ranks #857 in composite RQD confidence.
Within the Financials sector (Major Banks), FRBA carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PBAM (Private Bancorp of America Inc.) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $490.2M) and CZNC (Citizens & Northern Corp) posts a C+ grade (67/100 RQD, P/E 21.3x, ROIC 6.9%, cap $498.9M). Among the 5-stock peer group, WTBA leads on earnings multiple (15.7x) while WTBA leads on capital efficiency (12.2% ROIC).
For First Bank (FRBA), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #857 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
FRBA last traded at $19.44 (+0.47% on volume of 93,695 shares), positioning the stock +8.00% above its 50-day simple moving average ($18.00) and +14.35% above its 200-day simple moving average ($17.00). Across its 52-week range of $14.41 to $19.95, FRBA sits at the 90.8% percentile with a 14-day RSI of 72.7 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.4% ($18.39 to $20.49).
Why FRBA Stock advanced +0.47% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
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