First Bank (FRBA) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), First Bank had a P/E ratio of 9.35 (up from 8.38), return on equity of 10.2% (down from 10.8%), debt-to-equity of 0.66 (down from 0.74) and return on assets of 1.1% (down from 1.1%). Its dividend yield was 1.48% with a payout ratio of 13.7%.

First Bank Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.35	8.38	17.55	7.37	7.97	9.51
Forward P/E	8.62	8.93	9.09	8.24	8.89	8.57
P/S Ratio	3.02	2.75	3.83	2.83	3.14	2.79
P/B Ratio	0.92	0.86	0.99	0.92	1.06	0.78
Price/Tangible Book	1.04	0.99	1.16	0.99	1.15	0.84
Price/FCF	6.52	14.32	2.61	7.65	10.14	7.66
Price/OCF	6.23	12.82	2.55	7.25	10.07	7.54
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	10.24%	10.83%	6.33%	13.05%	14.04%	8.37%
Return on Assets (ROA)	1.13%	1.14%	0.66%	1.38%	1.46%	0.89%
Leverage & Solvency Ratios
Debt/Equity	0.66	0.74	0.70	0.49	0.48	0.80
Debt/FCF	4.70	12.19	1.84	4.05	4.56	7.91
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.69%	11.93%	5.70%	13.56%	12.54%	10.52%
FCF Yield	15.34%	6.98%	38.38%	13.07%	9.86%	13.06%
Dividend Yield	1.48%	1.76%	1.72%	1.87%	1.13%	1.39%
Payout Ratio	13.70%	14.27%	25.46%	12.89%	8.29%	12.26%
Buyback Yield	0.73%	-14.55%	-11.95%	0.50%	0.95%	-3.16%
Total Return	2.21%	-12.79%	-10.23%	2.37%	2.08%	-1.77%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About First Bank Financial Ratios

What is First Bank's P/E ratio?

First Bank's P/E ratio was 9.35 for fiscal 2025 (period ended Dec 31, 2025). It was 8.38 a year earlier.

What is First Bank's return on equity?

First Bank's return on equity (ROE) was 10.2% for fiscal 2025 (period ended Dec 31, 2025). It was 10.8% a year earlier.

What is First Bank's debt-to-equity ratio?

First Bank's debt-to-equity ratio was 0.66 for fiscal 2025 (period ended Dec 31, 2025). It was 0.74 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition