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First

FCF

Last
$19.86
Day
-1.0%
1y
+20.8%
5y
+42.9%
52w
-10.2%
SPY YTD
+13.3%
XLF
-1.3%
Earnings
2026-10-2717d
EMA 21
20.52
EMA 50
20.69
EMA 200
19.44
20d high
-7.3%
5y high
-10.2%
5y range
80th
Website · 1,589 employees · United States

Positions held

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Score
-21
Hold
avoid
Signal
Strong Sell
Target
$20.74
Stop
$19.49
Stop distance
1.9%
Target vs last
+4.4%

Bull / bear case

Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.

Bull case
  • First is well-positioned in the regional banking sector, benefiting from a growing revenue trend and a solid earnings growth rate of 37.5%.
  • In the last quarter, First reported a revenue increase of 4% compared to the previous quarter, reaching $139 million.
  • The company has a trailing P/E ratio of 12.31, indicating it may be undervalued compared to its peers.
Bear case
  • Despite its growth, First has a 'Strong Sell' signal with a score of -21.00, indicating significant bearish sentiment among analysts.
  • The stock has a beta of 0.751, suggesting lower volatility compared to the market, but also a lack of momentum.
  • First's revenue for 2025 is projected at $522.911 million, which is a slight increase from $478.123 million in 2024, indicating potential stagnation.

Fundamentals

Market cap$2.03BEnterprise value$2.14BTrailing P/E12.31Forward P/E10.26
PEG1.46Price / book1.29Beta0.75Dividend yield2.79%
Revenue growth9.6%Earnings growth37.5%Gross margin0.0%Operating margin45.4%
Profit margin33.2%ROE10.9%ROA1.4%Debt / equity—
Current ratio—Free cash flow—Analyst recommendationbuyMean target$24.07
52w high$22.3452w low$15.00

Quarterly

2026-Q22026-Q12025-Q42025-Q32025-Q2
Revenue$139M$134M$138M$136M$131M
Op margin—————
Net income$44.6M$37.5M$44.9M$41.3M$33.4M
Gross margin—————
Gross profit—————
Operating income—————
  • Revenue +4% vs prior quarter ($139M vs $134M).

Yearly (6y)

20252024202320222021
Revenue$523M$478M$482M$411M—
Op margin—————
Net income$152M$143M$157M$128M—
Gross margin—————
Gross profit—————
Operating income—————
Headline scan

No flags

• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).

News

FCF · daily-3.3% over 13 sessions
Close EMA21 EMA50 EMA200
19.6720.0920.5120.9321.352026-092026-092026-092026-092026-102026-102026-10
Quarterly · revenue, net income, margins
Revenue Net income Gross margin Op margin
$0M$35M$69M$104M$139M0%5%10%2025-Q22025-Q32025-Q42026-Q12026-Q2