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First BankFRBA -0.32%67 FCF Margin % is 29.41% as of Mar. 2026, which is 13% below its 10-year median of 33.84. 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 1,502 Banks companies, First Bank ranks better than 64.11% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. First Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was $10.7 Mil. First Bank's Revenue for the
three
months ended in Mar. 2026 was $36.4 Mil. Therefore, First Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 29.41%.
The historical data trend for First Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Bank's FCF Margin % 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 FCF Margin % of 29.41% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Bank and its competitors. This is 13% below median its historical median of 33.84. Over the past decade, First Bank's FCF Margin % has ranged from 19.03 to 135.57. According to the industry distribution chart, First Bank ranks #539 out of 1502 companies in the Banks industry, placing it in the top 35.9%.
Is First Bank's FCF Margin % too high?
First Bank's current FCF Margin % of 29.41% is 13% below median its 10-year median of 33.84. Over the past 10 years, this metric has ranged from a low of 19.03 to a high of 135.57. The Banks industry median FCF Margin % is 27.09. First Bank's value of 29.41% is 8.6% above this industry median. Based on the distribution chart, First Bank ranks #539 out of 1502 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 FCF Margin % compare to GBFH and CBK?
According to the Banks industry distribution chart, First Bank ranks #539 out of 1502 companies for FCF Margin %. This puts First Bank in the upper half of its industry. The industry median FCF Margin % is 27.09. First Bank's value of 29.41% is 8.6% above this benchmark. Historically, First Bank's own FCF Margin % has ranged from 19.03 to 135.57 over the past decade. While the company's 10-year median is 33.84 vs. the industry median of 27.09, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.09, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bank's current FCF Margin % of 29.41% is 8.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Bank and its competitors. For the Banks industry, the median FCF Margin % is 27.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bank's current FCF Margin % is 29.41%, which is 13% below median its own 10-year median of 33.84. 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 $18.99 — trading 13.1% above its estimated fair value. The current FCF Margin % is 29.41%, which is 13% below median its 10-year median of 33.84 and 8.6% above the Banks industry median of 27.09. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Bank (FRBA), the current FCF Margin % is 29.41% 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 $18.99 is trading 13.1% above its estimated GF Value™ of $16.79.
GuruFocus considers First Bank to be Modestly Overvalued.
Key valuation signals for FRBA:
FCF Margin %: 29.41% (13% below median its 10-year median of 33.84)
GF Value™: $16.79 vs. price of $18.99 (13.1% above fair value)
Industry Position: 8.6% above the Banks median (#539 of 1502)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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