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First BankFRBA +0.05%67 Equity-to-Asset is 0.11 as of Mar. 2026, which is at its 10-year median of 0.11. 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 1,526 Banks companies, First Bank ranks better than 63.76% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. First Bank's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $449.4 Mil. First Bank's Total Assets for the quarter that ended in Mar. 2026 was $3,970.8 Mil.
Therefore, First Bank's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.11.
The historical rank and industry rank for First Bank's Equity-to-Asset or its related term are showing as below:
FRBA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.11 Max: 0.11
Current: 0.11
During the past 11 years, the highest Equity to Asset Ratio of First Bank was 0.11. The lowest was 0.08. And the median was 0.11.
FRBA's Equity-to-Asset is ranked better than 63.76% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs FRBA: 0.11
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First Bank Equity-to-Asset Related Terms
First Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for First Bank's Equity-to-Asset 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.
FRBA vs GBFH, CBK, RBB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Bank and its competitors. This is near median its historical median of 0.11. Over the past decade, First Bank's Equity-to-Asset has ranged from 0.08 to 0.11. According to the industry distribution chart, First Bank ranks #553 out of 1526 companies in the Banks industry, placing it in the top 36.2%.
Is First Bank's Equity-to-Asset too high?
First Bank's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. First Bank's value of 0.11 is 10% above this industry median. Based on the distribution chart, First Bank ranks #553 out of 1526 companies in the Banks industry, which is above 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 Equity-to-Asset compare to GBFH and CBK?
According to the Banks industry distribution chart, First Bank ranks #553 out of 1526 companies for Equity-to-Asset. This puts First Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. First Bank's value of 0.11 is 10% above this benchmark. Historically, First Bank's own Equity-to-Asset has ranged from 0.08 to 0.11 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bank's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bank's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.11. 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 Equity-to-Asset is 0.11, which is near median its 10-year median of 0.11 and 10% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First Bank (FRBA), the current Equity-to-Asset is 0.11 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:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.11)
GF Value™: $16.79 vs. price of $19.02 (13.3% above fair value)
Industry Position: 10% above the Banks median (#553 of 1526)
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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