First BankFRBA +1.41%65 EV-to-FCF is 7.39 as of Jul. 01, 2026, which is 18% below its 10-year median of 9.02. GuruFocus rates FRBA with a GF Score™ of 65/100 and a GF Value™ of $16.83 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,194 Banks companies, First Bank ranks worse than 52.01% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Bank's Enterprise Value is $397.3 Mil.
First Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $53.8 Mil. Therefore, First Bank's EV-to-FCF for today is 7.39.
The historical rank and industry rank for First Bank's EV-to-FCF or its related term are showing as below:
FRBA'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.98 Med: 9.02 Max: 25.35
Current: 7.39
During the past 11 years, the highest EV-to-FCF of First Bank was 25.35. The lowest was 1.98. And the median was 9.02.
FRBA's EV-to-FCF is ranked worse than 52.01% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs FRBA: 7.39
EV-to-FCF 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-FCF 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 $17.99.
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 $1.680.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Bank EV-to-FCF Related Terms
First Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for First Bank's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Bank's EV-to-FCF falls into.
First Bank's current Enterprise Value is $397.3 Mil.
First Bank's Free Cash Flow 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 $53.8 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-FCF of 7.39 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Bank and its competitors. This is 18% below median its historical median of 9.02. Over the past decade, First Bank's EV-to-FCF has ranged from 1.98 to 25.35. According to the industry distribution chart, First Bank ranks #621 out of 1194 companies in the Banks industry, placing it in the top 52%.
Is First Bank's EV-to-FCF too high?
First Bank's current EV-to-FCF of 7.39 is 18% below median its 10-year median of 9.02. Over the past 10 years, this metric has ranged from a low of 1.98 to a high of 25.35. The Banks industry median EV-to-FCF is 6.57. First Bank's value of 7.39 is 12.6% above this industry median. Based on the distribution chart, First Bank ranks #621 out of 1194 companies in the Banks industry, which is below the industry midpoint. Overall, First Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Bank's EV-to-FCF compare to CBAN and GBFH?
According to the Banks industry distribution chart, First Bank ranks #621 out of 1194 companies for EV-to-FCF. This places First Bank in the lower half of its industry. The industry median EV-to-FCF is 6.57. First Bank's value of 7.39 is 12.6% above this benchmark. Historically, First Bank's own EV-to-FCF has ranged from 1.98 to 25.35 over the past decade. While the company's 10-year median is 9.02 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bank's current EV-to-FCF of 7.39 is 12.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bank's current EV-to-FCF is 7.39, which is 18% below median its own 10-year median of 9.02. 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 Fairly Valued. The stock's GF Value™ is $16.83, compared to a current price of $17.99 — trading 6.9% above its estimated fair value. The current EV-to-FCF is 7.39, which is 18% below median its 10-year median of 9.02 and 12.6% above the Banks industry median of 6.57. First Bank's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Bank (FRBA), the current EV-to-FCF is 7.39 as of Jul. 01, 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 $17.99 is trading 6.9% above its estimated GF Value™ of $16.83.
GuruFocus considers First Bank to be Fairly Valued.
Key valuation signals for FRBA:
EV-to-FCF: 7.39 (18% below median its 10-year median of 9.02)
GF Value™: $16.83 vs. price of $17.99 (6.9% above fair value)
Industry Position: 12.6% above the Banks median (#621 of 1194)
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.
65GF Score
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