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    Banks - Regional
First Robinson Financial Corporation

First Robinson Financial Corporation

FRFC
First Robinson Financial CorporationUS flagOther OTC
67.00
USD
- -
- -
28.61MMarket Cap
First Robinson Financial Corporation
FRFC
(Other OTC)

Recent

price

67.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2014
2015
2017
2018
TTM
FRC
8.03
8.1
9.74
10.7
10.49
10.6
11.49
12.75
14.34
15.87
20.5
23.17
23.2
20.7
22.31
- -
20.47
Revenue per Share
0.65
0.78
2.02
1.96
1.73
2.01
2.14
2.16
1.84
-0.07
3.38
4.67
3.64
3.74
3.64
- -
3.39
Basic EPS, GAAP
1.57
2.47
0.77
3.67
3.4
3.64
3.22
1.44
-0.92
1.16
6.24
6.11
4.59
3.36
4.38
- -
- -
Free Cash Flow per Basic Share
0.36
0.36
0.36
0.43
0.45
0.54
0.58
0.7
0.8
0.81
0.88
1.01
1.07
1.36
1.17
- -
- -
Dividend per Share
10.53
11.84
13.73
15.49
16.47
18.15
20
22.48
24.52
23.78
27.21
31.05
36.02
30.65
35.89
- -
31.67
Book Value per Share
16.56
17.86
20.99
22.51
23.1
23.32
25.12
26.37
28.55
28.11
30.95
34.14
47.89
41.43
45.02
- -
42.35
Tangible Book Value per Share
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
- -
1
Basic Weighted Avg Shares
4
4
5
5
5
5
5
6
6
7
8
10
10
12
12
13
12
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
1
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
- -
Depreciation Expense
- -
- -
1
1
1
1
1
1
1
- -
1
2
2
2
2
2
2
Net Income, GAAP
38.58
34.5
35.07
37.63
37.46
34.4
33.09
32.1
26.89
- -
33.44
36.34
34.76
35.95
34.34
38.49
34.97
Effective Tax Rate (%)
8.09
9.63
20.73
18.31
16.48
18.96
18.63
16.91
12.8
-0.44
16.5
20.45
16.16
18.09
16.33
15.46
16.58
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
5
- -
- -
- -
- -
- -
12
16
10
18
16
13
38
40
- -
2
44
LT Debt
9
9
10
11
11
11
12
12
12
12
13
19
21
23
25
25
24
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.26
6.71
15.65
13.31
10.93
11.54
11.04
9.91
7.65
-0.29
13.03
15.98
11.19
12.71
10.9
9.41
21.43
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'15
Jun'17
Sep'17
ST Debt
1
- -
- -
LT Borrowings
40
37
44
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
19
18
17

Working Capital

FRC

•

in mil. unless spec.
Mar'15
Jun'17
Sep'17
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
21
14
20
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
1
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.02%
15.73%
1.31%
Free Cash Flow
-8.08%
-7.7%
-38.71%
Net Income, GAAP
-482.97%
8.76%
-4.01%
Sales/Revenue/Turnover
9.39%
8.3%
1.39%
Total Cash Common Dividend
11.57%
16.24%
0.62%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2017
3
3
3
3
12
2018
3
3
- -
- -
13

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2017
0.82
0.92
0.92
- -
3.64
2018
0.84
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2017
- -
- -
- -
- -
1.17
2018
- -
- -
- -
- -
- -
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Business
First Robinson Financial Corporation (FRFC) operates as the holding company for First Robinson Savings Bank, National Association, providing a full range of retail and commercial banking products and services to individual, business, and municipal customers primarily in Crawford and surrounding counties in Illinois and Knox and surrounding counties in Indiana. The bank offers deposit products including checking accounts, statement savings, money market accounts, health savings accounts, individual retirement accounts, certificates of deposit, Kasasa Cash checking with high interest and nationwide ATM fee refunds, and Kasasa Saver accounts with automatic reward transfers; its loan portfolio encompasses personal loans, home mortgages, home equity lines, auto loans, business term loans, agricultural loans, commercial real estate loans, and business lines of credit. Additional services comprise online and mobile banking, bill pay, debit and credit cards, mobile deposit, ATM access, wire transfers, safe deposit boxes, cashier's checks, money orders, notary services, night depository, coin counting, merchant card processing, cash management, trust services, and investment management. Founded in 1997 and headquartered at 501 East Main Street in Robinson, Illinois, the company manages three full-service offices in Crawford County, Illinois, and two in Vincennes, Indiana, with total assets of $497.3 million as of September 30, 2025. Recent developments include the opening of its second full-service branch in Vincennes, Indiana, on June 11, 2018, expanding its market presence into contiguous Indiana counties; the company maintains a quarterly dividend policy with a recent yield of approximately 2.8% to 2.9% and continues to report solid financial performance, including net income of $3.50 million on revenue of $16.18 million for the trailing twelve months ended mid-2025.