FRBA (First Bank) Retained Earnings: $219.9 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRBA First Bank FRBA
67 GF Score
Price $19.02
GF Value $16.79
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is First Bank Retained Earnings?

First Bank FRBA +0.05% 67 Retained Earnings is $219.9 Mil as of Mar. 2026. 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.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. First Bank's retained earnings for the quarter that ended in Mar. 2026 was $219.9 Mil.

First Bank's quarterly retained earnings increased from Sep. 2025 ($203.6 Mil) to Dec. 2025 ($214.5 Mil) and increased from Dec. 2025 ($214.5 Mil) to Mar. 2026 ($219.9 Mil).

First Bank's annual retained earnings increased from Dec. 2023 ($140.6 Mil) to Dec. 2024 ($176.8 Mil) and increased from Dec. 2024 ($176.8 Mil) to Dec. 2025 ($214.5 Mil).


First Bank  (NAS:FRBA) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


First Bank Retained Earnings Historical Data

* Premium members only.

The historical data trend for First Bank's Retained Earnings 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.

First Bank Retained Earnings Chart

First Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 95.92 127.53 140.56 176.78 214.46

First Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 193.40 203.62 214.46 219.87 228.47
FRBA
67GF Score
First Bank FRBA
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Bank Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $219.9 Mil mean?
First Bank (FRBA) has a Retained Earnings of $219.9 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on First Bank and its competitors.
Is First Bank's Retained Earnings too high?
First Bank's current Retained Earnings is $219.9 Mil. 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 Retained Earnings compare to GBFH and CBK?
First Bank's Retained Earnings of $219.9 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on First Bank and its competitors. First Bank's current Retained Earnings is $219.9 Mil. 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 Retained Earnings is $219.9 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For First Bank (FRBA), the current Retained Earnings is $219.9 Mil 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:

  • Retained Earnings: $219.9 Mil
  • GF Value™: $16.79 vs. price of $19.02 (13.3% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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 Business Description

Address 2465 Kuser Road, Hamilton, NJ, USA, 08690
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

Get the complete analysis for FRBA

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.02
Price
$16.79
GF Value