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First Bank
FRBAFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $246.78M | 17.7% | $43.68M | $62.68M | N/A |
| 2027 | $259.61M | 17.7% | $45.95M | $65.94M | $59.95M |
| 2028 | $273.11M | 17.7% | $48.34M | $69.37M | $57.33M |
| 2029 | $287.31M | 17.7% | $50.85M | $72.98M | $54.83M |
| 2030 | $302.25M | 17.7% | $53.50M | $76.77M | $52.44M |
| 2031 | $317.97M | 17.7% | $56.28M | $80.76M | $50.15M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.74 | 2025-12-31 |
| EPS growth | +4.2% | Forecast years: 5 |
| Future EPS | $2.137 | EPS × (1 + G)^5 |
| Base P/E | 9.4 | P/E |
| Future price | $20.092 | Future EPS × P/E |
| Fair value today | $12.475 | PV @ 10.0% |
| 30% safety price | $8.733 | Margin of safety |
| 50% safety price | $6.238 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $43.626 | $48.193 | $54.421 |
| 10.0% | $38.996 | $42.363 | $46.766 |
| 11.0% | $35.344 | $37.908 | $41.155 |