Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
First BankFRBA +0.05%67 Debt-to-Equity is 0.57 as of Mar. 2026, which is 8% below its 10-year median of 0.62. GuruFocus rates FRBA with a GF Score™ of 67/100 and a GF Value™ of $16.79 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, First Bank ranks worse than 51.55% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Bank's Debt-to-Equity or its related term are showing as below:
FRBA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.38 Med: 0.62 Max: 0.97
Current: 0.61
During the past 11 years, the highest Debt-to-Equity Ratio of First Bank was 0.97. The lowest was 0.38. And the median was 0.62.
FRBA's Debt-to-Equity is ranked worse than 51.55% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs FRBA: 0.61
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Bank Debt-to-Equity Related Terms
First Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for First Bank's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Bank's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Bank (FRBA) has a Debt-to-Equity of 0.57 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Bank and its competitors. This is near median its historical median of 0.62. Over the past decade, First Bank's Debt-to-Equity has ranged from 0.38 to 0.97. According to the industry distribution chart, First Bank ranks #733 out of 1422 companies in the Banks industry, placing it in the top 51.5%.
Is First Bank's Debt-to-Equity too high?
First Bank's current Debt-to-Equity of 0.57 is near median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 0.97. The Banks industry median Debt-to-Equity is 0.58. First Bank's value of 0.57 is 1.7% below this industry median. Based on the distribution chart, First Bank ranks #733 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, First Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bank's Debt-to-Equity compare to GBFH and CBK?
According to the Banks industry distribution chart, First Bank ranks #733 out of 1422 companies for Debt-to-Equity. This places First Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. First Bank's value of 0.57 is 1.7% below this benchmark. Historically, First Bank's own Debt-to-Equity has ranged from 0.38 to 0.97 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 0.58, First Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bank's current Debt-to-Equity of 0.57 is 1.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bank's current Debt-to-Equity is 0.57, which is near median its own 10-year median of 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Bank stock overvalued right now?
Based on GuruFocus' analysis, First Bank (FRBA) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.79, compared to a current price of $19.02 — trading 13.3% above its estimated fair value. The current Debt-to-Equity is 0.57, which is near median its 10-year median of 0.62 and 1.7% below the Banks industry median of 0.58. First Bank's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Bank (FRBA), the current Debt-to-Equity is 0.57 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Bank (FRBA) Overvalued in 2026?
Based on GuruFocus' analysis, First Bank stock appears to be overvalued.
The current stock price of $19.02 is trading 13.3% above its estimated GF Value™ of $16.79.
GuruFocus considers First Bank to be Modestly Overvalued.
Key valuation signals for FRBA:
Debt-to-Equity: 0.57 (near median its 10-year median of 0.62)
GF Value™: $16.79 vs. price of $19.02 (13.3% above fair value)
Industry Position: 1.7% below the Banks median (#733 of 1422)
No single metric tells the full story. See the FRBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Bank is a full-service commercial bank, with target businesses from individuals, businesses, and governmental entities located in service regions throughout New Jersey and eastern Pennsylvania, with a particular focus between New York City and Philadelphia. The group focuses on traditional deposit and loan products with businesses and individuals living and working in markets as the source of business. Its services are Business Banking, Personal Banking, Digital Banking, and Lending.
67GF Score
Get the complete analysis for FRBA
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRBA has been successfully added to your 
