First Bank Stock Price, News & Analysis

First Bank (Nasdaq: FRBA) reported Q3 2025 net income of $11.7 million ($0.47 diluted), up from $8.2 million in Q3 2024. Key metrics: NIM 3.71%, efficiency ratio 51.81%, tangible book value per share $15.33 (12.4% annualized growth), total loans $3.37 billion and total deposits $3.22 billion at September 30, 2025. The bank recorded credit loss expense $3.0 million and net charge-offs $1.7 million, citing small business portfolio losses. Capital and liquidity remained strong with Tier 1 leverage at 9.54%. The board declared a $0.06 quarterly dividend and completed share repurchases totaling 662,678 shares through September 30, 2025.

First Bank (NASDAQ:FRBA) has scheduled its Third Quarter 2025 Earnings Conference Call for Thursday, October 23, 2025, at 9:00 a.m. Eastern Time. The company will release its Q3 2025 results after market close on Wednesday, October 22, 2025.

The call will feature presentations from key executives including CEO Patrick L. Ryan, CFO Andrew L. Hibshman, Chief Lending Officer Peter J. Cahill, and Chief Retail Banking Officer Darleen Gillespie. Management will present for approximately 15-30 minutes, followed by a Q&A session.

Investors can access the call using the toll-free number (800) 715-9871 with access code 6022332. The earnings results and conference replay will be available in the Investor Relations section of www.firstbanknj.com.

First Bank (NASDAQ:FRBA) reported Q2 2025 net income of $10.2 million ($0.41 per diluted share), compared to $11.1 million ($0.44 per diluted share) in Q2 2024. The bank demonstrated strong performance with total loans growing to $3.33 billion, up 11.3% annualized from Q1 2025, while deposits increased to $3.17 billion, up 6.2% annualized.

Key metrics include a net interest margin of 3.65%, stable compared to Q1 2025, and improved asset quality with nonperforming assets decreasing to 0.40% of total assets. The bank completed a $35.0 million subordinated notes issuance at 7.125% fixed rate and announced a quarterly dividend of $0.06 per share.

First Bank (NASDAQ:FRBA) has scheduled its second quarter 2025 earnings conference call for Wednesday, July 23, 2025, at 9:00 a.m. Eastern Time. The company will release its Q2 2025 financial results after market close on Tuesday, July 22, 2025.

Key executives including CEO Patrick L. Ryan, CFO Andrew L. Hibshman, CLO Peter J. Cahill, and Chief Retail Banking Officer Darleen Gillespie will present the quarterly results and participate in a Q&A session. The management presentation is expected to last 15-30 minutes. Investors can access the call via toll-free dial-in at (800) 715-9871 using access code 3909613.

First Bank (NASDAQ: FRBA) has successfully completed a $35 million private placement of fixed-to-floating rate subordinated notes. The notes, maturing on June 30, 2035, feature a 7.125% fixed interest rate for the first five years, followed by a floating rate of three-month SOFR plus 343 basis points. The proceeds will be used to redeem $30 million of existing subordinated notes and for general corporate purposes. The notes qualify as Tier 2 capital and can be redeemed after June 30, 2030. CEO Patrick L. Ryan highlighted that this offering provides lower-cost capital without diluting existing shareholders, while maintaining tax-deductible benefits. Piper Sandler & Co. acted as the sole placement agent for this private offering.

First Bank (FRBA) reported Q1 2025 net income of $9.4 million ($0.37 per diluted share), down from $12.5 million ($0.50 per diluted share) in Q1 2024. Key highlights include:

Total loans grew to $3.24 billion, increasing 11.8% annualized from Q4 2024. Total deposits reached $3.12 billion, up 8.5% annualized from previous quarter. Net interest margin improved to 3.65%, up 11 basis points from Q4 2024.

The bank maintained strong asset quality with nonperforming assets at 0.42% of total assets, improving from 0.46% in Q4 2024. The efficiency ratio remained below 60% for the 23rd consecutive quarter. First Bank continues its strategic evolution from a traditional community bank to a full-service, middle market commercial bank, focusing on C&I lending and deposit-focused business units.

First Bank (FRBA) has scheduled its first quarter 2025 earnings conference call for Wednesday, April 23, 2025, at 9:00 a.m. Eastern Time. The company will release its Q1 2025 financial results after market close on Tuesday, April 22, 2025.

The conference call will feature presentations from key executives including Patrick L. Ryan (President and CEO), Andrew L. Hibshman (CFO), Peter J. Cahill (Chief Lending Officer), and Darleen Gillespie (Chief Retail Banking Officer). Management will provide a 15-30 minute presentation followed by a Q&A session. Investors can access the call using the toll-free number (800) 715-9871 with access code 3909613.

First Bank (FRBA) reported strong Q4 2024 results with net income of $10.5 million ($0.41 per diluted share), up from $8.4 million in Q4 2023. Full-year 2024 net income reached $42.2 million ($1.67 per diluted share), compared to $20.9 million in 2023.

Key Q4 2024 highlights include total loans of $3.14 billion (7.3% annualized growth), total deposits of $3.06 billion, and tangible book value per share growth to $14.19. The bank maintained strong asset quality with nonperforming assets at 0.46% of total assets. Total net revenue increased 20.6% year-over-year to $33.8 million.

The bank's efficiency ratio remained below 60% for the 22nd consecutive quarter while investing in technology and new business units. First Bank is expanding its community banking network with new branches in Trenton, NJ and Media, PA, and implementing online banking platform upgrades.

First Bank (FRBA) has scheduled its fourth quarter 2024 earnings conference call for Friday, January 24, 2025, at 9:00 a.m. Eastern Time. The company will release its Q4 2024 results after market close on Thursday, January 23, 2025.

The conference call will feature presentations from key executives including Patrick L. Ryan (President and CEO), Andrew L. Hibshman (CFO), Peter J. Cahill (Chief Lending Officer), and Darleen Gillespie (Chief Retail Banking Officer). The management presentation is expected to last between fifteen to thirty minutes, followed by an investor Q&A session.

Investors can access the call using the toll-free dial-in number (800) 715-9871 with access code 5565911. A replay of the conference will be available on the company's website at www.firstbanknj.com.