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FRBA

First BankB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 showed improving core momentum: EPS beat the reported consensus, loans and deposits grew strongly, pre-provision net revenue expanded nearly 9% sequentially, and efficiency improved to 54.52%. Tangible book value per share reached $16.27.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.7.
What can break
Criticized loans rose to 2.69% of loans from 2.52% sequentially and 2.40% year over year.
Momentum
50
Value
62
Sentiment
69
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $19.67 · Bull $21.00 · Bear $16.50Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.00
Why
Momentum50 · Δ7d -7.0
Value62 · Δ7d -0.0
Sentiment69 · Δ7d +4.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.7.

Contradictions & invalidation

  • • Criticized loans rose to 2.69% of loans from 2.52% sequentially and 2.40% year over year.
  • • Deposit pricing competition, higher linked-quarter borrowings, and rate changes could pressure funding costs and net interest margin.
  • • Revenue missed the reported consensus, net interest margin declined one basis point sequentially, and credit risk remains the key issue: nonperforming assets rose to $32.7 million and criticized loans to 2.69% of loans.

Catalyst clock

2026-09-30

Share repurchase program remains active

Lead driver: Sentiment · See AI snapshot
Momentum
50
9% active weight
Current posture
7d trendFlat
Δ7d
-7.0
Δ21d
-14.2
Value
62
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
0.0
Sentiment
69
62% active weight
Current posture
7d trendImproving
Δ7d
+4.7
Δ21d
+8.0
Why this grade

Composite grade B. Momentum 50.1 / Value 62.1 / Sentiment 68.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$21.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$19.67
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$16.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$476.55M
Beta
0.71
Shares Out
24.8M
P/E (TTM)
10.0
P/S (TTM)
2.92
P/FCF (TTM)
22.29
Rev YoY
-3.9%
EPS YoY
+6.7%
Gross Margin
-
Op Margin
+22.9%
Net Debt
$255.72M
Current Ratio
0.15
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data