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First BankFRBA +0.05%67 EV-to-OCF is 7.17 as of Aug. 16, 2026, which is 16% below its 10-year median of 8.57. 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 1,500 Banks companies, First Bank ranks worse than 61.2% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First Bank's Enterprise Value is $404.5 Mil.
First Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $56.4 Mil. Therefore, First Bank's EV-to-OCF for today is 7.17.
The historical rank and industry rank for First Bank's EV-to-OCF or its related term are showing as below:
FRBA'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.95 Med: 8.57 Max: 24.08
Current: 7.17
During the past 11 years, the highest EV-to-OCF of First Bank was 24.08. The lowest was 1.95. And the median was 8.57.
FRBA's EV-to-OCF is ranked worse than 61.2% of 1500
companies
in the Banks industry
Industry Median: 3.93
vs FRBA: 7.17
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Bank's share price for today is $19.02.
First Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.700.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Bank EV-to-OCF Related Terms
First Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for First Bank's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Bank's EV-to-OCF falls into.
First Bank's current Enterprise Value is $404.5 Mil.
First Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $56.4 Mil.
* 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 EV-to-OCF of 7.17 as of Aug. 16, 2026. This is 16% below median its historical median of 8.57. Over the past decade, First Bank's EV-to-OCF has ranged from 1.95 to 24.08. According to the industry distribution chart, First Bank ranks #918 out of 1500 companies in the Banks industry, placing it in the top 61.2%.
Is First Bank's EV-to-OCF too high?
First Bank's current EV-to-OCF of 7.17 is 16% below median its 10-year median of 8.57. Over the past 10 years, this metric has ranged from a low of 1.95 to a high of 24.08. The Banks industry median EV-to-OCF is 3.93. First Bank's value of 7.17 is 82.4% above this industry median. Based on the distribution chart, First Bank ranks #918 out of 1500 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 EV-to-OCF compare to GBFH and CBK?
According to the Banks industry distribution chart, First Bank ranks #918 out of 1500 companies for EV-to-OCF. This places First Bank in the lower half of its industry. The industry median EV-to-OCF is 3.93. First Bank's value of 7.17 is 82.4% above this benchmark. Historically, First Bank's own EV-to-OCF has ranged from 1.95 to 24.08 over the past decade. While the company's 10-year median is 8.57 vs. the industry median of 3.93, First Bank has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.93, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bank's current EV-to-OCF of 7.17 is 82.4% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bank's current EV-to-OCF is 7.17, which is 16% below median its own 10-year median of 8.57. 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 EV-to-OCF is 7.17, which is 16% below median its 10-year median of 8.57 and 82.4% above the Banks industry median of 3.93. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Bank (FRBA), the current EV-to-OCF is 7.17 as of Aug. 16, 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:
EV-to-OCF: 7.17 (16% below median its 10-year median of 8.57)
GF Value™: $16.79 vs. price of $19.02 (13.3% above fair value)
Industry Position: 82.4% above the Banks median (#918 of 1500)
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
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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