FRSB

First Resource Bancorp, Inc.

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Price alert · FRSB

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27.50 USD 0.00 0.00%
As of Oct 30, 2026
27.00 Day range 27.50
18.35 52-week range 27.50
YTD
+39.24%
1 year
+48.65%
Open
27.00
Prev close
27.50
Mkt cap
82.79M
Vol
697
Avg vol
844
EPS
3.50
P/E
7.86
More statistics
Low
27.00
High
27.50

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Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 7.3×
FY 2016: 14.0×FY 2017: 18.2×FY 2018: 10.9×FY 2019: 13.5×FY 2020: 7.4×FY 2021: 7.8×FY 2022: 7.0×FY 2023: 6.6×FY 2024: 9.2×FY 2025: 7.3×
FY 2016 5y median 7.3× FY 2025
P/S 1.3×
FY 2016: 1.8×FY 2017: 2.6×FY 2018: 1.7×FY 2019: 1.9×FY 2020: 1.4×FY 2021: 1.7×FY 2022: 1.8×FY 2023: 1.3×FY 2024: 2.4×FY 2025: 1.3×
FY 2016 5y median 1.7× FY 2025
P/B 1.0×
FY 2016: 1.0×FY 2017: 1.3×FY 2018: 0.9×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 7.5×
FY 2016: 11.5×FY 2017: 14.3×FY 2018: 17.1×FY 2019: 28.2×FY 2020: 12.4×FY 2021: 8.4×FY 2022: 8.3×FY 2023: 7.2×FY 2024: 8.7×FY 2025: 7.5×
FY 2016 5y median 8.3× FY 2025
EV/EBITDA -0.4×
FY 2016: 14.8×FY 2017: 20.2×FY 2018: 18.7×FY 2019: 19.6×FY 2020: 6.8×FY 2021: 9.1×FY 2022: 10.1×FY 2023: 8.3×FY 2024: 6.1×FY 2025: -0.4×
FY 2016 5y median 8.3× FY 2025
EV/Sales -0.1×
FY 2016: 3.4×FY 2017: 5.2×FY 2018: 4.2×FY 2019: 3.9×FY 2020: 1.7×FY 2021: 2.7×FY 2022: 3.5×FY 2023: 2.2×FY 2024: 2.2×FY 2025: -0.1×
FY 2016 5y median 2.2× FY 2025
FCF Yield 13.3%
FY 2016: 8.7%FY 2017: 7.0%FY 2018: 5.9%FY 2019: 3.5%FY 2020: 8.1%FY 2021: 11.9%FY 2022: 12.1%FY 2023: 13.9%FY 2024: 11.5%FY 2025: 13.3%
FY 2016 5y median 12.1% FY 2025

Profitability

Gross Margin 58.0%
FY 2016: 77.8%FY 2017: 78.8%FY 2018: 73.8%FY 2019: 68.8%FY 2020: 75.7%FY 2021: 83.2%FY 2022: 81.5%FY 2023: 64.4%FY 2024: 100.0%FY 2025: 58.0%
FY 2016 5y median 81.5% FY 2025
Operating Margin 23.1%
FY 2016: 18.7%FY 2017: 22.4%FY 2018: 19.7%FY 2019: 17.7%FY 2020: 23.2%FY 2021: 27.5%FY 2022: 32.4%FY 2023: 24.5%FY 2024: 43.7%FY 2025: 23.1%
FY 2016 5y median 27.5% FY 2025
Net Margin 18.4%
FY 2016: 12.8%FY 2017: 14.5%FY 2018: 16.0%FY 2019: 14.3%FY 2020: 18.6%FY 2021: 22.0%FY 2022: 25.8%FY 2023: 19.5%FY 2024: 26.6%FY 2025: 18.4%
FY 2016 5y median 22.0% FY 2025
ROE 13.9%
FY 2016: 7.3%FY 2017: 7.3%FY 2018: 8.6%FY 2019: 8.3%FY 2020: 10.3%FY 2021: 11.7%FY 2022: 14.0%FY 2023: 12.8%FY 2024: 10.6%FY 2025: 13.9%
FY 2016 5y median 12.8% FY 2025
ROIC 8.9%
FY 2016: 3.4%FY 2017: 2.9%FY 2018: 3.3%FY 2019: 2.9%FY 2020: 0.8%FY 2021: 3.6%FY 2022: 6.6%FY 2023: 5.8%FY 2024: 5.1%FY 2025: 8.9%
FY 2016 5y median 5.8% FY 2025
ROA 1.0%
FY 2016: 0.5%FY 2017: 0.6%FY 2018: 0.7%FY 2019: 0.7%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.1%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 121.9%
FY 2016: 11.2%FY 2017: 16.3%FY 2018: 15.8%FY 2019: 20.3%FY 2020: 7.2%FY 2021: 8.7%FY 2022: 15.0%FY 2023: 39.4%FY 2024: -34.3%FY 2025: 121.9%
FY 2016 FY 2025
Operating Income 17.4%
FY 2016: 0.3%FY 2017: 39.3%FY 2018: 1.8%FY 2019: 7.8%FY 2020: 40.8%FY 2021: 28.8%FY 2022: 35.4%FY 2023: 5.5%FY 2024: 17.2%FY 2025: 17.4%
FY 2016 FY 2025
EPS (diluted) 57.2%
FY 2016: 12.8%FY 2017: 5.7%FY 2018: 26.8%FY 2019: 7.0%FY 2020: 39.5%FY 2021: 28.3%FY 2022: 33.8%FY 2023: 5.5%FY 2024: -9.9%FY 2025: 57.2%
FY 2016 FY 2025
Free Cash Flow 40.1%
FY 2016: 37.0%FY 2017: 37.0%FY 2018: -36.4%FY 2019: -19.3%FY 2020: 75.4%FY 2021: 98.4%FY 2022: 22.2%FY 2023: 15.7%FY 2024: 2.9%FY 2025: 40.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 3.0×FY 2020: 248×FY 2021: 6.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 3.4×FY 2020: 248×FY 2021: 7.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.5×
FY 2016: 1.1×FY 2017: 1.4×FY 2018: 1.6×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA -6.0×
FY 2016: 6.9×FY 2017: 9.9×FY 2018: 11.0×FY 2019: 10.0×FY 2020: 1.4×FY 2021: 3.4×FY 2022: 4.9×FY 2023: 3.3×FY 2024: -0.7×FY 2025: -6.0×
FY 2016 5y median 3.3× FY 2025
Interest Coverage 0.6×
FY 2016: 0.9×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 0.7×FY 2020: 1.1×FY 2021: 2.0×FY 2022: 2.1×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.3%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31