FRBA (First Bank) 3-Year RORE % : 14.64% (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 3-Year RORE %?

First Bank FRBA +0.05% 67 3-Year RORE % is 14.64 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. Among 1,469 Banks companies, First Bank ranks better than 57.66% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.64%.

The industry rank for First Bank's 3-Year RORE % or its related term are showing as below:

FRBA's 3-Year RORE % is ranked better than
57.66% of 1469 companies
in the Banks industry
Industry Median: 11.6 vs FRBA: 14.64

First Bank  (NAS:FRBA) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First Bank 3-Year RORE % Related Terms


First Bank 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Bank's 3-Year RORE % 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 3-Year RORE % Chart

First Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 35.60 20.92 -19.65 -4.47 19.95

First Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
3-Year RORE % 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 -4.84 14.71 19.95 14.64 0.00

FRBA vs GBFH, CBK, RBB: 3-Year RORE % Comparison

For the Banks - Regional subindustry, First Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Bank's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Bank's 3-Year RORE % falls into.


FRBA
67GF Score
First Bank FRBA
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Bank 3-Year RORE % Calculation

First Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 1.7-1.24 )/( 4.45-0.78 )
=0.46/3.67
=12.53 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 14.64 mean?
First Bank (FRBA) has a 3-Year RORE % of 14.64 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Bank and its competitors. According to the industry distribution chart, First Bank ranks #622 out of 1469 companies in the Banks industry, placing it in the top 42.3%.
Is First Bank's 3-Year RORE % too high?
First Bank's current 3-Year RORE % is 14.64. The Banks industry median 3-Year RORE % is 11.60. First Bank's value of 14.64 is 26.2% above this industry median. Based on the distribution chart, First Bank ranks #622 out of 1469 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 3-Year RORE % compare to GBFH and CBK?
According to the Banks industry distribution chart, First Bank ranks #622 out of 1469 companies for 3-Year RORE %. This puts First Bank in the upper half of its industry. The industry median 3-Year RORE % is 11.60. First Bank's value of 14.64 is 26.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.60, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bank's current 3-Year RORE % of 14.64 is 26.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 11.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bank's current 3-Year RORE % is 14.64. 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 3-Year RORE % is 14.64 and 26.2% above the Banks industry median of 11.60. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For First Bank (FRBA), the current 3-Year RORE % is 14.64 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:

  • 3-Year RORE %: 14.64
  • GF Value™: $16.79 vs. price of $19.02 (13.3% above fair value)
  • GF Score™: 67/100 with 6 warning signs
  • Industry Position: 26.2% above the Banks median (#622 of 1469)

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

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.02
Price
$16.79
GF Value