First Bank (FRBA)
Commercial and retail banking built around relationship lending in the New York–Philadelphia corridor.
$17.94
At close+0.24 (+1.36%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 50 | 50 | 56 | 56 | 59 | 59 | 58 | 62 | 64 | 65 | 58 | 59 |
| Cost of revenue | 28 | 22 | 23 | 25 | 28 | 25 | 25 | 28 | 29 | 29 | 27 | 25 |
| Gross profit | 22 | 28 | 33 | 31 | 31 | 34 | 33 | 34 | 35 | 36 | 31 | 35 |
| 23 | 18 | 18 | 18 | 19 | 19 | 20 | 21 | 20 | 19 | 21 | 20 | |
| 10 | 10 | 11 | 11 | 11 | 11 | 12 | 13 | 12 | 13 | 13 | 14 | |
| Selling & marketing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| General & administrative | 10 | 10 | 11 | 10 | 11 | 11 | 12 | 12 | 12 | 13 | 13 | 14 |
| Other expenses | 13 | 8 | 7 | 7 | 8 | 8 | 8 | 8 | 7 | 6 | 8 | 6 |
| Operating income | −1 | 10 | 15 | 13 | 12 | 14 | 12 | 13 | 15 | 17 | 10 | 15 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 50 | 53 | 54 | 56 | 56 | 57 | 56 | 59 | 61 | 60 | 56 | 57 |
| Interest expense | 21 | 22 | 23 | 25 | 26 | 25 | 24 | 25 | 26 | 24 | 22 | 22 |
| Income before tax | −1 | 10 | 15 | 13 | 12 | 14 | 12 | 13 | 15 | 17 | 10 | 15 |
| Income tax expense | 0 | 2 | 3 | 2 | 4 | 4 | 3 | 3 | 4 | 4 | 2 | 4 |
| Net income from continuing operations | −1 | 8 | 13 | 11 | 8 | 10 | 9 | 10 | 12 | 12 | 8 | 11 |
| Net income | −1 | 8 | 13 | 11 | 8 | 10 | 9 | 10 | 12 | 12 | 8 | 11 |
| EPS, basic | −$0.05 | $0.34 | $0.50 | $0.44 | $0.32 | $0.42 | $0.37 | $0.41 | $0.47 | $0.50 | $0.31 | $0.44 |
| EPS, diluted | −$0.05 | $0.33 | $0.50 | $0.44 | $0.32 | $0.41 | $0.37 | $0.41 | $0.47 | $0.49 | $0.30 | $0.43 |
| Weighted average shares, basic | 24 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 |
| Weighted average shares, diluted | 24 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 |
| EBITDA | 0 | 11 | 16 | 14 | 13 | 15 | 13 | 14 | 16 | 18 | 11 | 15 |
| Depreciation & amortization | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
| EBIT | −1 | 10 | 15 | 13 | 12 | 14 | 12 | 13 | 15 | 17 | 10 | 15 |