First Bank cash flow to debt ratio of 24.19% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Bank's free cash flow has increased 153.51% from $24.72M last year to $62.66M, signaling increasing performance

First Bank's debt to equity ratio is 0.61, which means that the company's assets are unhealthy financed, signaling financial risk.

First Bank's debt has decreased relative to shareholder equity from 0.68 last year to 0.61 today, signaling strengthened financials

First Bank has a net cash position, so leverage is healthy.

First Bank earns at least as much interest as it pays. Interest obligations are fully covered.

First Bank's profit margin has decreased (5.99%) in the last year from 18.41% to 17.31%, signaling decreasing performance

First Bank's short-term liabilities of $3.21B exceed its short-term assets of $421.83M, signaling financial risk

First Bank's return on assets of 1.04% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Bank's return on equity of 9.57%, is lower than 15.00%, indicating bad performance

First Bank's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

First Bank had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First Bank has positive free cash flow, indicating the company generates cash after capital expenditures

First Bank has a free cash flow yield of 13.45%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First Bank's yearly earnings has increased 3.35% since last year from $42.24M to $43.66M, signaling increasing performance

First Bank's yearly revenue has increased 7.56% since last year from $229.44M to $246.78M, signaling increasing performance

ROIC 1.08% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Bank's 3-year revenue CAGR of 29.98% is positive, indicating growing revenue over the past 3 years

First Bank had revenue growth in 5 out of 5 years, indicating consistent revenue performance

First Bank had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First Bank is undervalued relative to its fair value price of 45.49 based on Discounted Cash Flow model

First Bank has an earnings yield of 9.21%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First Bank is overvalued relative to its fair value price of 17.20 based on EBITDA multiple model

First Bank has an EV/EBITDA ratio of 5.48x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Bank is undervalued relative to its fair value price of 44.11 based on Earnings Fair Value model

First Bank has a PEG-ratio under 1 which is considered undervalued

First Bank has a price-to-book ratio of 1.02x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Bank has a price-to-sales ratio of 1.88x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue