OTC · Banks - Regional

First Robinson Financial Corporation (FRFC) Stock

$67.00 +0.00% OTC: FRFC Financial Services

First Robinson Financial Corporation serves as the parent entity for First Robinson Savings Bank, National Association, offering a comprehensive suite of banking and financial solutions to both individual and commercial clients. The institution provides a variety of deposit products, including checking, savings, money market, and individual retirement accounts, in addition to direct deposit options and certificates of deposit.

Valuation

MetricValue
Price$67.00
Market Cap$28.61M
P/E Ratio7.94
P/B Ratio0.75
P/S Ratio1.06
EPS (TTM)$8.44
52-Week High$68.78
52-Week Low$43.00
Dividend Yield2.15%

Financials & Margins

MetricValue
ROE10.53%
ROA0.78%
ROCE1.33%
Gross Margin22.22%
Operating Margin22.22%
Net Margin14.81%
Debt/Equity1.29
Current Ratio0.37

Annual Financials (USD)

Metric20212022202320242025
Revenue$16.0M$17.0M$13.0M$16.0M$27.0M
Operating Profit$5.0M$4.0M$4.0M$6.0M$6.0M
Net Profit$3.0M$3.0M$2.0M$4.0M$4.0M
EPS$5.05$4.80$3.56$6.93$8.44
Op Margin29.3%26.8%28.0%36.7%22.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$471.0M$472.0M$469.0M$478.0M$512.0M
Total Liabilities$444.0M$449.0M$443.0M$445.0M$473.0M
Cash$49.0M$31.0M$23.0M$46.0M$15.0M
Borrowings$47.0M$75.0M$54.0M$1.0M$49.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$4.0M$3.0M$2.0M$5.0M$4.0M
Investing Cash Flow$-67.0M$-26.0M$-4.0M$18.0M$-45.0M
Financing Cash Flow$49.0M$6.0M$14.0M$2.0M$22.0M
Net Cash Flow$-13.0M$-18.0M$-8.0M$23.0M$0
Free Cash Flow$4.0M$3.0M$1.0M$5.0M$4.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.34
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y59.72%
Return 3Y73.26%
Return 5Y48.26%

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
APLOApollo Bancorp, Inc. $54.00 +0.00% 12.50 $27.14M 4.30%
CBHCCBC Holding Company $28.40 +0.00% 9.44 $20.79M 2.82%
CNAFCommercial National Financial Corporation $8.46 +0.48% 12.82 $24.05M 6.15%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%
LKSBLakeside Bancshares, Inc. $19.25 +0.00% 0.00 $40.39M 0.00%

About First Robinson Financial Corporation

First Robinson Financial Corporation serves as the parent entity for First Robinson Savings Bank, National Association, offering a comprehensive suite of banking and financial solutions to both individual and commercial clients. The institution provides a variety of deposit products, including checking, savings, money market, and individual retirement accounts, in addition to direct deposit options and certificates of deposit. Its loan portfolio is extensive, covering personal, home mortgage, home equity, auto, business term, agricultural, and commercial real estate loans, alongside business lines of credit. Moreover, the bank facilitates numerous other services such as ATM and debit card access, mobile deposit, online and mobile banking, bill pay, credit cards, e-statements, money and wire transfers, notary services, night depository, coin counting, fax services, money orders, bounce protection, merchant card services, and cash management. Clients can also utilize safe deposit boxes, cashier's checks, and specialized trust and investment services. The corporation maintains five full-service branches, serving customers throughout Crawford and neighboring counties in Illinois, as well as Knox and surrounding counties in Indiana. Founded in 1997, its principal office is located in Robinson, Illinois.

First Robinson Financial Corporation (FRFC) stock trades at $67.00 with a market capitalization of $28.61M. The stock is valued at a price-to-earnings (P/E) ratio of 7.94, price-to-book of 0.75, price-to-sales of 1.06. Over the past 52 weeks the stock has ranged between $43.00 and $68.78, and currently trades 2.6% below its 52-week high. It pays a dividend yielding 2.15%.

On profitability, First Robinson Financial Corporation generates a return on equity (ROE) of 10.53%, return on capital employed of 1.33%, an operating margin of 22.22%, a net profit margin of 14.81%.

Official website: www.frsb.net

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