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First Resource Bancorp Inc. (FRSB)

USD24.50 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 1 East Uwchlan Avenue 19341
Exton, PA, US
CEO Lauren C. Ranalli
IPO 2005-04-27
ISIN US33617D1072

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Description

First Resource Bancorp Inc. serves as the parent company for First Resource Bank, which delivers a comprehensive range of personal and commercial banking products and services. The institution primarily caters to businesses and individual customers located in southeastern Pennsylvania. Its deposit offerings encompass traditional checking accounts, money market accounts, escrow services, certificate deposit account registry services (CDARs), insured cash sweeps, various certificates of deposit, and individual retirement accounts (IRAs). For lending, First Resource Bank provides an extensive portfolio of financing solutions. This includes commercial mortgages, construction loans, working capital lines of credit, Small Business Administration (SBA) loans, and commercial term loans for businesses. Personal lending options feature home equity lines of credit, fixed-payment home equity loans, residential construction loans, land loans, overdraft protection, vehicle loans, unsecured installment loans, certificate-of-deposit-secured installment loans, and swing loans. Beyond core banking, the company also issues credit and debit cards and offers a broad spectrum of supplementary services. These include cash management, positive pay systems, ACH origination, sweep/transfer services, ATM access, over-the-counter checks, bill payment, wire transfers, guarantee/notary services, safe deposit boxes, drive-up banking, night depository, foreign currency exchange, cashier's checks, and stop payment features. Modern digital banking capabilities, such as telephone, text, online, and mobile banking, are also available to customers. The bank maintains three full-service branch locations throughout the Delaware Valley, serving the financial requirements of businesses, professionals, and individuals. Established in 2005, its corporate base is situated in Exton, Pennsylvania.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD24.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
4.9K
Beta
0.09
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.22% +0.45% +6.06% +5.91% +18.08% +13.42% +51.35% +99.29% +130.93% +268.42% +200.27%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
24.50
DCF (Unlevered) 52.31 +113.5%
DCF (Levered) 42.09 +71.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.31
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +121.9% Q1'26: +120.2% (vs Q1'25)
  • EPS growth
    +57.2% Q1'26: +46.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +24.8% (vs Q1'25)
  • ROIC
    Q1'26: +30.2% (vs Q1'25)
  • Share dilution
    -2.2% Q1'26: +0.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.98× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.16) × ERP
WACC = 72% × Ke + 28% × Kd (67.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 52.15 Current price: 24.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-07 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-05 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-04 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-01 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-04-30 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-04-29 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-04-24 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-04-23 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-21 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-17 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
450.5K
OE per share TTM
0.14
Owner's Yield
0.67%
Maintenance CapEx ratio
24.42%
Maint CapEx / Avg PPE
34.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
682.9K
Shares Outstanding
3.09M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Glenn Marshall Co-founder & Vice Chair 229.3K male
Lauren C. Ranalli President, Chief Executive Officer, Secretary & Director 195.0K female
Dean Wesley Senior Vice President of Commercial Lending male
Fran Forte Senior Vice President of Commercial Lending, SBA Lending male
Jennifer MacMullen Executive Vice President & Chief Retail Banking Officer female
Kristen Fries Executive Vice President & Chief Financial Officer female
Natalie Carrozza Executive Vice President & Chief Risk Officer female
Brian S. Jackson Executive Vice President & Chief Information Officer male
Scott C. McKeon Senior Vice President of Commercial Lending Department male
Bridget Moran Executive Vice President & Chief Operating Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits