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FRSB Stock Chart & Stats
$19.83
$0.00(0.00%)
At close: 4:00 PM EST
$19.83
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$16.25 - $25.67
Previous CloseN/A
Volume2.98K
Average Volume (3M)653.00
Market Cap
$77.14M
Enterprise Value$32.75
Total Cash (Recent Filing)$52.95M
Total Debt (Recent Filing)$24.63M
Price to Earnings (P/E)8.6
Beta0.23
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.16%
Share Statistics
EPS (TTM)2.97
Shares Outstanding3,085,612
10 Day Avg. Volume1,126
30 Day Avg. Volume653
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.01
Price to Sales (P/S)1.34
P/FCF Ratio7.54
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improving LeverageLeverage has meaningfully improved from ~1.06–1.09 in 2022–23 to ~0.45 by 2025, reducing financial risk and increasing capital flexibility. A lower debt ratio strengthens resilience to credit stress and supports sustainable lending growth, regulatory buffers and capital deployment.
Strong Cash GenerationConsistently positive operating and free cash flow, with FCF close to net income in several years, indicates high cash conversion and earnings quality. Durable cash generation supports loan origination, deposit funding, dividend capacity and reduces reliance on costly external financing.
Resilient Profitability And Revenue GrowthOverall strong revenue growth and sustained net margins in the high-teens to mid-20s demonstrate durable earnings power. The 2025 acceleration reflects scalable lending/fee activities and margin resilience, which support reinvestment, capital accumulation and long-term shareholder returns.
Bears Say
Prior High Leverage HistoryA recent history of elevated leverage means the franchise has previously been more exposed to credit and rate-cycle shocks. Even with improvement, legacy asset mix and past leverage can amplify stress in downturns, necessitating sustained conservative capital and liquidity policies.
Revenue VolatilityThe company’s revenue trend has been uneven, with a notable 2024 decline followed by a sharp 2025 rebound. Persistent top-line volatility complicates forecasting, capital allocation and margin planning, raising execution risk for multi-period strategic initiatives and investor predictability.
Cash-flow Reporting InconsistencyInconsistencies in 2025 cash-flow coverage fields create uncertainty about cash-to-earnings metrics. This data gap reduces transparency into true coverage and liquidity resilience, hindering reliable assessment of dividend sustainability, loan-loss absorption and funding flexibility over cycles.
FRSB FAQ
What was First Resource Bank’s price range in the past 12 months?
First Resource Bank lowest stock price was $16.25 and its highest was $25.67 in the past 12 months.
What is First Resource Bank’s market cap?
First Resource Bank’s market cap is $77.14M.
When is First Resource Bank’s upcoming earnings report date?
First Resource Bank’s upcoming earnings report date is Oct 23, 2026 which is in 90 days.
How were First Resource Bank’s earnings last quarter?
First Resource Bank released its earnings results on Jul 23, 2026. The company reported $0.92 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is First Resource Bank overvalued?
According to Wall Street analysts First Resource Bank’s price is currently Overvalued.
Does First Resource Bank pay dividends?
First Resource Bank pays a Annually dividend of $0.02 which represents an annual dividend yield of 0.16%. See more information on First Resource Bank dividends here
What is First Resource Bank’s EPS estimate?
First Resource Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does First Resource Bank have?
First Resource Bank has 3,085,612 shares outstanding.
What happened to First Resource Bank’s price movement after its last earnings report?
First Resource Bank reported an EPS of $0.92 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 2.68%.
Which hedge fund is a major shareholder of First Resource Bank?
Currently, no hedge funds are holding shares in FRSB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Resource Bank Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
27.57%
12-Months-Change
Fundamentals
Return on Equity
0.16%
Trailing 12-Months
Asset Growth
20.10%
Trailing 12-Months
Company Description
First Resource Bank
First Resource Bancorp Inc. serves as the parent company for First Resource Bank, which delivers a comprehensive range of personal and commercial banking products and services. The institution primarily caters to businesses and individual customers located in southeastern Pennsylvania. Its deposit offerings encompass traditional checking accounts, money market accounts, escrow services, certificate deposit account registry services (CDARs), insured cash sweeps, various certificates of deposit, and individual retirement accounts (IRAs). For lending, First Resource Bank provides an extensive portfolio of financing solutions. This includes commercial mortgages, construction loans, working capital lines of credit, Small Business Administration (SBA) loans, and commercial term loans for businesses. Personal lending options feature home equity lines of credit, fixed-payment home equity loans, residential construction loans, land loans, overdraft protection, vehicle loans, unsecured installment loans, certificate-of-deposit-secured installment loans, and swing loans. Beyond core banking, the company also issues credit and debit cards and offers a broad spectrum of supplementary services. These include cash management, positive pay systems, ACH origination, sweep/transfer services, ATM access, over-the-counter checks, bill payment, wire transfers, guarantee/notary services, safe deposit boxes, drive-up banking, night depository, foreign currency exchange, cashier's checks, and stop payment features. Modern digital banking capabilities, such as telephone, text, online, and mobile banking, are also available to customers. The bank maintains three full-service branch locations throughout the Delaware Valley, serving the financial requirements of businesses, professionals, and individuals. Established in 2005, its corporate base is situated in Exton, Pennsylvania.