Obermatt

First Bank

NMQ:FRBA · US31931U1025
BanksSmall

360

39
Profit price78
Cash yield41
Price/Sales81
EV / Gross Profit77
Price/Book90
Returns on capital
Profit margins

Cash truth not applicable for financial companies.

Sales growth12
Profit growth24
Reinvestment32
Price momentum10
Debt load70
Debt serviceability12
Liquidity27
Analyst ratings65
Opinion Changes50
Price Target Upside41
Market mood3
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGM
Founded2007
Employees223
ISINUS31931U1025
Last UpdateApr 2, 2026
Themes
BankingFinancial Services

Description

First Bank operates as a chartered commercial bank that focuses on traditional financial services, primarily offering deposit and loan products which appeal to customers in its service areas. Business Segments The company operates through Deposit a…

Analysis

Bargain bin

First Bank falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

Valuation data is not available for this company.

The trajectory is tepid and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
12
2023202420252026

All-time high

100

Jan 2023

All-time low

12

Jun 2026

Average rank

68

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
72
55
83
Price/Earnings
74
91
91
97
Price/Book
90
81
67
91
Dividend Yield
41
12
12
15
Value (overall)
84
68
72
91

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →