First National Bank Alaska (FBAK) AI Stock Analysis

• Market Cap: $1.12B
• Dividend Yield: 5.94%
• Average Volume (3M): 347.00
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.33
• Revenue Growth: 10.63%
• EPS Growth: 12.67%
• Country: US
• Employees: 631
• Sector: Financial
• Sector Strength: 70
• Industry: Banks
• EPS (TTM): 26.34
• Shares Outstanding: 3,320,000
• 10 Day Avg. Volume: 426
• 30 Day Avg. Volume: 347
• PEG Ratio: 0.78
• Price to Book (P/B): 1.67
• Price to Sales (P/S): 3.57
• P/FCF Ratio: 12.57
• Enterprise Value/Market Cap: <0.01
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: $385.00 ▲(20.31% Upside)
• Action: Reiterated
• Date: 08/06/26

Positive Factors

High profitability / net margins

Sustained high net margins (mid-20s to mid-30s) indicate durable earnings power and pricing ability across cycles. That margin cushion supports return on equity, funds reinvestment and dividends, and provides resilience versus credit or interest-rate stress over the medium term.

Negative Factors

Leverage spike and balance-sheet variability

A material leverage spike in 2023 highlights the balance sheet's capacity to shift meaningfully, raising capital and funding risks. Such variability can pressure regulatory ratios, increase funding costs, and reduce financial flexibility during stress or growth initiatives.

First National Bank Alaska Business Overview & Revenue Model

Company Description

First National Bank Alaska, a commercial bank, provides various banking products and services for business, industry, and individual customers primarily in Alaska. The company offers savings and checking accounts; money market deposits; safe depos...

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First National Bank Alaska, a commercial bank, provides various banking products and services for business, industry, and individual customers primarily in Alaska. The company offers savings and checking accounts; money market deposits; safe depos...

How the Company Makes Money

FBAK primarily earns revenue through traditional bank income streams. (1) Net interest income: the bank collects interest on loans and other interest-earning assets (e.g., commercial loans, consumer loans, and securities) and pays interest to depo...

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FBAK primarily earns revenue through traditional bank income streams. (1) Net interest income: the bank collects interest on loans and other interest-earning assets (e.g., commercial loans, consumer loans, and securities) and pays interest to depo...

First National Bank Alaska Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	273.56M	265.67M	272.55M	237.10M	181.97M	171.85M
Gross Profit	223.56M	213.05M	194.23M	178.00M	168.57M	167.84M
EBITDA	111.58M	104.11M	89.89M	87.84M	83.31M	82.90M
Net Income	83.42M	77.54M	67.05M	60.01M	58.23M	58.41M
Balance Sheet
Total Assets	5.12B	5.11B	5.01B	5.73B	5.34B	5.58B
Cash, Cash Equivalents and Short-Term Investments	338.98M	278.70M	0.00	3.31B	2.91B	3.37B
Total Debt	799.82M	756.76M	760.98M	1.42B	670.97M	781.70M
Total Liabilities	4.54B	4.54B	4.49B	5.27B	4.93B	5.03B
Stockholders Equity	585.22M	569.25M	516.56M	464.79M	407.55M	554.53M
Cash Flow
Free Cash Flow	0.00	75.49M	37.61M	84.84M	72.30M	79.27M
Operating Cash Flow	0.00	79.03M	40.19M	87.26M	80.53M	82.42M
Investing Cash Flow	0.00	-253.66M	333.94M	486.83M	-364.46M	-947.79M
Financing Cash Flow	0.00	-19.11M	-825.11M	255.78M	-154.48M	864.95M

First National Bank Alaska Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 320.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FBAK, the sentiment is Positive. The current price of 320 is below the 20-day moving average (MA) of 332.24, below the 50-day MA of 324.16, and above the 200-day MA of 307.85, indicating a bullish trend. The MACD of 3.85 indicates Negative momentum. The RSI at 64.58 is Neutral, neither overbought nor oversold. The STOCH value of 83.42 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FBAK.

First National Bank Alaska Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ESQ	83 Outperform	$1.37B	17.77	17.82%	0.62%	19.99%	10.00%
FBAK	80 Outperform	$1.12B	12.78	14.31%	6.25%	10.63%	12.67%
UVSP	74 Outperform	$1.14B	11.94	10.41%	2.11%	2.41%	26.67%
NBN	72 Outperform	$1.09B	10.04	19.35%	0.03%	9.28%	25.70%
FMBH	72 Outperform	$1.33B	12.45	9.86%	1.96%	10.34%	14.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBSI	67 Neutral	$951.17M	12.62	8.89%	4.21%	-4.09%	-9.75%