Q4: 2026-01-26 Earnings Summary
EPS of $0.49 beats by $0.00
| Revenue of $38.46M (13.89% Y/Y) beats by $1.04M
First Bank (FRBA) Q4 2025 Earnings Call January 27, 2026 9:00 AM EST
Company Participants
Patrick Ryan – President, CEO & Director
Andrew Hibshman – Executive VP, Treasurer & CFO
Darleen Gillespie – EVP & Chief Retail Banking Officer
Peter Cahill – Executive VP & Chief Lending Officer
Conference Call Participants
Justin Crowley – Piper Sandler & Co., Research Division
David Bishop – Hovde Group, LLC, Research Division
Presentation
Operator
Thank you for standing by. My name is Tina, and I will be your conference operator today. At this time, I would like to welcome everyone to the First Bank Earnings Conference Call Fourth Quarter. [Operator Instructions]
It is now my pleasure to turn the call over to Patrick Ryan, President and CEO. You may begin.
Patrick Ryan
President, CEO & Director
Thank you. I’d like to welcome everyone today to First Bank’s Fourth Quarter 2025 Earnings Call.
I’m joined by Andrew Hibshman, our CFO, Darleen Gillespie, our Chief Retail Banking Officer; and Peter Cahill, our Chief Lending Officer.
Before we begin, however, Andrew will read the safe harbor statement.
Andrew Hibshman
Executive VP, Treasurer & CFO
The following discussion may contain forward-looking statements concerning the financial condition, results of operations and business of First Bank. We caution that such statements are subject to a number of uncertainties and actual results could differ materially, and therefore, you should not place undue reliance on any forward-looking statements we make. We may not update any forward-looking statements we make today for future events or developments. Information about risks and uncertainties are described under Item 1A Risk Factors in our annual report on Form 10-K for the year ended December 31, 2024, filed with the FDIC.
Pat, back to you.
Patrick Ryan
President, CEO & Director
Thank you, Andrew. 2025 overall in Q4, in particular, did not play out
