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FRBA

First BankB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 EPS of $0.49 exceeded the $0.44 consensus shown by TipRanks. Loan and deposit growth, lower wholesale borrowing, a 3.74% net interest margin, and the dividend increase support a constructive near-term interpretation.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.8.
What can break
Business Express small-business C&I loans remain a source of charge-offs; further losses could absorb margin gains. [#PR-EARNINGS-2026-10-22]
Momentum
64
Value
61
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.50 · Bull $21.50 · Bear $15.50Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.00
Why
Momentum64 · Δ7d +5.2
Value61 · Δ7d -0.8
Sentiment52 · Δ7d -13.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.8.

Contradictions & invalidation

  • • Business Express small-business C&I loans remain a source of charge-offs; further losses could absorb margin gains. [#PR-EARNINGS-2026-10-22]
  • • Nonperforming assets increased to 0.88% of assets from 0.80% in Q2 and 0.36% a year earlier. [#PR-EARNINGS-2026-10-22]
  • • Nonperforming assets increased year over year to $35.7 million from $14.4 million, while Business Express losses persisted.

Catalyst clock

2026-10-23

Q3 earnings beat and funding improvement

Lead driver: Value · See fundamentals
Momentum
64
8% active weight
Current posture
7d trendImproving
Δ7d
+5.2
Δ21d
+11.4
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-1.2
Sentiment
52
45% active weight
Current posture
7d trendSoftening
Δ7d
-13.7
Δ21d
-21.9
Why this grade

Composite grade B. Momentum 63.9 / Value 61.4 / Sentiment 52.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$21.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$18.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$15.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$482.21M
Beta
0.71
Shares Out
24.75M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data