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First Resource BancorpFRSB 68 Debt-to-Equity is 0.39 as of Jun. 2026, which is 59% below its 10-year median of 0.96. GuruFocus rates FRSB with a GF Score™ of 68/100 and a GF Value™ of $22.41 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,419 Banks companies, First Resource Bancorp ranks better than 62.37% 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 Resource Bancorp's Debt-to-Equity or its related term are showing as below:
FRSB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.39 Med: 0.96 Max: 1.56
Current: 0.39
During the past 13 years, the highest Debt-to-Equity Ratio of First Resource Bancorp was 1.56. The lowest was 0.39. And the median was 0.96.
FRSB's Debt-to-Equity is ranked better than 62.37% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs FRSB: 0.39
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 Resource Bancorp Debt-to-Equity Related Terms
First Resource Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for First Resource Bancorp'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.
FRSB vs OPHC, CYFL, RVCB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, First Resource Bancorp'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 Resource Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Resource Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Resource Bancorp'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 Resource Bancorp (FRSB) has a Debt-to-Equity of 0.39 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Resource Bancorp and its competitors. This is 59% below median its historical median of 0.96. Over the past decade, First Resource Bancorp's Debt-to-Equity has ranged from 0.39 to 1.56. According to the industry distribution chart, First Resource Bancorp ranks #534 out of 1419 companies in the Banks industry, placing it in the top 37.6%.
Is First Resource Bancorp's Debt-to-Equity too high?
First Resource Bancorp's current Debt-to-Equity of 0.39 is 59% below median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.56. The Banks industry median Debt-to-Equity is 0.59. First Resource Bancorp's value of 0.39 is 33.9% below this industry median. Based on the distribution chart, First Resource Bancorp ranks #534 out of 1419 companies in the Banks industry, which is above the industry midpoint. Overall, First Resource Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Resource Bancorp's Debt-to-Equity compare to OPHC and CYFL?
According to the Banks industry distribution chart, First Resource Bancorp ranks #534 out of 1419 companies for Debt-to-Equity. This puts First Resource Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.59. First Resource Bancorp's value of 0.39 is 33.9% below this benchmark. Historically, First Resource Bancorp's own Debt-to-Equity has ranged from 0.39 to 1.56 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 0.59, First Resource Bancorp 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 0.59, based on 1,419 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 Resource Bancorp's current Debt-to-Equity of 0.39 is 33.9% 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 Resource Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Resource Bancorp's current Debt-to-Equity is 0.39, which is 59% below median its own 10-year median of 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Resource Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Resource Bancorp (FRSB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.41, compared to a current price of $25.08 — trading 11.9% above its estimated fair value. The current Debt-to-Equity is 0.39, which is 59% below median its 10-year median of 0.96 and 33.9% below the Banks industry median of 0.59. First Resource Bancorp's overall GF Score™ is 68/100 with 3 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 Resource Bancorp (FRSB), the current Debt-to-Equity is 0.39 as of Jun. 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 Resource Bancorp (FRSB) Overvalued in 2026?
Based on GuruFocus' analysis, First Resource Bancorp stock appears to be overvalued.
The current stock price of $25.08 is trading 11.9% above its estimated GF Value™ of $22.41.
GuruFocus considers First Resource Bancorp to be Modestly Overvalued.
Key valuation signals for FRSB:
Debt-to-Equity: 0.39 (59% below median its 10-year median of 0.96)
GF Value™: $22.41 vs. price of $25.08 (11.9% above fair value)
Industry Position: 33.9% below the Banks median (#534 of 1419)
No single metric tells the full story. See the FRSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Resource Bancorp Inc is a community bank. It is a full-service bank providing personal and business lending and deposit services. The company serves the southeastern area of Pennsylvania. The bank offers a range of Personal Banking, Business banking, Online banking services, Business Deposit Products, Business Lending Products, Digital Banking, CDARS / ICS and Other services. It customizes lending solutions for the borrowers and provide award-winning customer service across all product lines.
68GF Score
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