MARKET WIREYahoo Finance • 1d ago
First Bank (FRBA) Surpasses Q3 Earnings and Revenue EstimatesYahoo Finance report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
Why FRBA Stock surged +3.40% Today — RQD Quant Desk Flash
$20.08 +3.40% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $20.16
First Bank (FRBA) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE D+ • SELL / AVOID
Cap $504.7M
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Is FRBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, First Bank (NASDAQ: FRBA) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $20.08 (+3.40% 1D, market cap $504.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FRBA ranks #491 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does FRBA compare to CZNC and PBAM in the Financials sector?
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Within the Financials sector (Major Banks), FRBA carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, CZNC (Citizens & Northern Corp) holds a C+ grade (69/100 RQD, P/E 21.3x, ROIC 6.9%, cap $510.6M) and PBAM (Private Bancorp of America Inc.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $492.2M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FRBA?
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For First Bank (FRBA), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #491 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $20.16 (+0.42%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.4% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERSELL / AVOID • D+
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR RQD RADARRw D+ · Rk C-
Each axis scored 0–20
12M PRICE TARGET CONE-0.4% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FRBA)Realized 20D OHLCV Swing Band: ±5.1%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY FRBA SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+13/20 pts (23% of score)
20D Institutional Volume Accumulation (±5.1% realized swing band)
▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)
Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$17.59+1.1% Next Q
49
Q2 (-2Q)Grade C-$17.78+8.8% Next Q
52
Q3 (-1Q)Grade C-$19.35+3.8% Next Q
54
CurrentGrade D+$20.08-0.2% Hist 90D α
57
Trajectory: D (49) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the FRBA Bull Thesis Could Fail
Even with a 57/100 (D+) score, FRBA faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Company executives have done more routine share selling than personal cash buying lately.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.09) or 200D SMA ($17.04) invalidates the momentum regime and cuts Target Base ($19.99) toward Bear Floor ($15.59).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $FRBA• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FRBA Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FRBA Stock surged +3.40% Today — RQD Quant Desk Flash
First Bank (FRBA) surged +3.40% to $20.08, trading at 99% of its 52-week range ($14.41 – $20.08). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 99% of its 52-week range ($14.41 – $20.08) with RSI-14 at 79.1 (OVERBOUGHT (>70)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.1% around $20.08 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $14.1M annual free cash flow.
Live FRBA Headlines & Catalysts
MARKET WIRESeeking Alpha • 2d ago
First Bank 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:FRBA) 2026-10-23Seeking Alpha report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
CATALYSTYahoo Finance • 2d ago
First Bank (FRBA) Q3 Earnings Put Buyback And Credit Cleanup In FocusYahoo Finance report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBenzinga • 2d ago
First Bank Q3 2026 Earnings Call TranscriptBenzinga report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
CATALYSTSimply Wall St • 2d ago
First Bank (FRBA) Stock Jumps After Q3 Earnings Beat Meets Credit RiskSimply Wall St report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
MARKET WIREMarketBeat • 2d ago
What First Bank (FRBA) Said on Its Q3 Earnings CallMarketBeat report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
MARKET WIREQuiver Quantitative • 2d ago
FIRST BANK ($FRBA) Releases Q3 2026 EarningsQuiver Quantitative report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESimply Wall St • 2d ago
There's A Lot To Like About First Bank's (NASDAQ:FRBA) Upcoming US$0.12 DividendSimply Wall St report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
CATALYSTBenzinga • 12d ago
First Bank Q3 EPS $0.49 Beats $0.44 Estimate, Sales $38.756M Beat $36.093M EstimateFirst Bank (NASDAQ:FRBA) reported quarterly earnings of $0.49 per share which beat the analyst consensus estimate of $0.44 by 11.36 percent. This is a 4.26 percent increase over earnings of $0.47 per share from the same
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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FRBA)
- ✓Walkthrough of FRBA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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FRBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +34.22%⚡ TESTING RESISTANCE
2026-11-04O $19.42H $20.08L $19.42C $20.08VOL 80.2K
RES: $20.27SUP: $17.59SMA50: $18.09SMA200: $17.04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
FRBA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger
No active Ellis Vennor swing setup published on FRBA today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for FRBA. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FRBA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FRBA)
Financials Rank #491 of 1097
⚔️ CZNC vs FRBA Full Matrix →
1. Head-to-Head Financials Peer Comparison (FRBA vs. CZNC, PBAM, WTBA, OBT)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, First Bank (FRBA) ranks #491 by composite RQD confidence (57/100, grade D+) and #700 by equity capitalization ($504.7M). Within this direct 5-issuer industry benchmark cohort, OBT leads on earnings valuation at 12.4x trailing P/E, while OBT leads on capital efficiency and profitability with 14.6% ROIC and — gross margin. WTBA currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with FRBA at 57/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FRBA
ACTIVE
First Bank | D+ | 57/100 | — | — | — | +3.40% | $504.7M | Benchmark Subject |
| CZNC Citizens & Northern Corp | C+ | 69/100 | 21.3x | — | 6.9% | +2.67% | $510.6M | /cznc-vs-frba → |
| PBAM Private Bancorp of America Inc. | D+ | 54/100 | — | — | — | +0.67% | $492.2M | /pbam-vs-frba → |
| WTBA West Bancorporation | B- | 71/100 | 15.7x | — | 12.2% | +3.51% | $527.7M | /wtba-vs-frba → |
| OBT Orange County Bancorp Inc. | C+ | 69/100 | 12.4x | — | 14.6% | +3.67% | $537.8M | /obt-vs-frba → |
2. FRBA Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics
TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOTFirst Bank (FRBA) operates in Major Banks (Financials) with an equity capitalization of $504.7M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.
3. FRBA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FRBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, First Bank (NASDAQ: FRBA) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $20.08 (+3.40% 1D, market cap $504.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FRBA ranks #491 in composite RQD confidence.
How does FRBA compare to CZNC and PBAM in the Financials sector?
Within the Financials sector (Major Banks), FRBA carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, CZNC (Citizens & Northern Corp) holds a C+ grade (69/100 RQD, P/E 21.3x, ROIC 6.9%, cap $510.6M) and PBAM (Private Bancorp of America Inc.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $492.2M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).
What are the biggest fundamental strengths and SEC risk factors for FRBA?
For First Bank (FRBA), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #491 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
Where is FRBA trading relative to its 50-day, 200-day, and 52-week technical levels?
FRBA last traded at $20.08 (+3.40% on volume of 80,187 shares), positioning the stock +11.00% above its 50-day simple moving average ($18.09) and +17.84% above its 200-day simple moving average ($17.04). Across its 52-week range of $14.41 to $20.08, FRBA sits at the 100.0% percentile with a 14-day RSI of 79.1 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.1% ($19.06 to $21.10).
ROARABLE RATING BRIEF • RQD 57/100 (D+)
✓ SEC XBRL & RQD VERIFIED
FRBA — First Bank: What the Facts Mean to a Prospective Investor
Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03
1. Roarable Rating Brief: What This Means to a Prospective Investor
First Bank (FRBA) earns a live Roarable RQD composite score of 57/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $20.08 (+3.40% 1D, market capitalization $504.7M).
- Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
- Whale 13F & Options Flow (13/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
First Bank (FRBA) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $488.1M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 0% (free cash flow yield of 0%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (D+ • RQD 57/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 13/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $14.41 – $20.08 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Operating in Major Banks (Financials), FRBA carries a macro regime beta of 1.00 and gross margin of —.
- Key Question #1: Can FRBA sustain or expand its — operating margin and — ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $20.08 52-week high?
- Key Question #3: How sensitive is FRBA's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
FRBA Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for First Bank (FRBA) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Yahoo Finance • 1d ago
First Bank (FRBA) Surpasses Q3 Earnings and Revenue Estimates Yahoo Finance report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Seeking Alpha • 2d ago
First Bank 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:FRBA) 2026-10-23 Seeking Alpha report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Yahoo Finance • 2d ago
First Bank (FRBA) Q3 Earnings Put Buyback And Credit Cleanup In Focus Yahoo Finance report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Benzinga • 2d ago
First Bank Q3 2026 Earnings Call Transcript Benzinga report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Simply Wall St • 2d ago
First Bank (FRBA) Stock Jumps After Q3 Earnings Beat Meets Credit Risk Simply Wall St report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE MarketBeat • 2d ago
What First Bank (FRBA) Said on Its Q3 Earnings Call MarketBeat report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Quiver Quantitative • 2d ago
FIRST BANK ($FRBA) Releases Q3 2026 Earnings Quiver Quantitative report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Simply Wall St • 2d ago
There's A Lot To Like About First Bank's (NASDAQ:FRBA) Upcoming US$0.12 Dividend Simply Wall St report covering First Bank (FRBA) market action, institutional positioning, and fundamental catalysts.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
FRBA Bull vs. Bear Conversation Board — What's Your Call at $20.08?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FRBA 🐻 33% BEARISH CONVICTION
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH
🎯 Target: $24.28 (+25.0%)
📌 Pinned Debate The forensic balance sheet scores 13/20 with an Altman Z of 2.5 and Piotroski F of 6/9, indicating a moderate rather than distressed fi
Don't sleep on FRBA's setup in Financials. The forensic balance sheet scores 13/20 with an Altman Z of 2.5 and Piotroski F of 6/9, indicating a moderate rather than distressed financial profile.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (57/100) backs up the fundamental quality.
VolSurface_Trader 🐂 BULL
@RiskArb_Desk Shorting a 13/20 institutional whale-flow stock at $19.42 is dangerous when funds are rotating into Financials.
RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH
🎯 Target: $15.34 (-21.0%)
Spot @ $19.42 ROIC and FCF yield are both reported at 0%, leaving the cash engine pillar at 11/20 and no earnings-based valuation available.
Fading this rally in FRBA at $19.42. ROIC and FCF yield are both reported at 0%, leaving the cash engine pillar at 11/20 and no earnings-based valuation available.. With a beta of 1.0 and the stock sitting at $19.42 (52-wk range $14.41–$19.95), the easy multiple expansion is already priced in.