First Resource Bancorp Inc.

First Resource Bancorp Inc.

FRSB
First Resource Bancorp Inc.US flagOther OTC
25.00
USD
+0.50
- -
77.14MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
- -
3.41
3.09
3.3
3.15
3.45
3.92
4.49
5.32
5.97
6.29
7.36
8.84
7.78
Basic EPS, GAAP
- -
0.54
0.47
0.53
0.56
0.71
0.76
1.06
1.36
1.82
1.92
1.82
2.72
2.08
Free Cash Flow per Basic Share
- -
-0.22
0.43
0.65
0.71
0.45
0.35
0.63
1.25
1.53
1.76
1.93
2.62
- -
Dividend per Share
- -
0.05
1.63
0.52
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
1.7
1.98
2.29
2.57
3.27
3.65
4.7
5.66
7.47
8.86
11.24
13.61
12.14
Tangible Book Value per Share
- -
6.6
6.78
7.25
7.64
8.31
9.17
10.26
11.56
13
14.91
17.28
19.56
18.04
Basic Weighted Avg Shares
- -
2
2
2
3
3
3
3
3
3
3
3
3
3
Sales/Revenue/Turnover
6
7
7
8
10
10
12
14
16
18
19
21
27
23
Operating Margin (%)
26.29
24.13
25.25
23.39
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
- -
- -
Net Income, GAAP
1
1
1
1
2
2
2
3
4
6
6
5
8
6
Effective Tax Rate (%)
31.66
31.45
36.7
31.81
35.53
18.76
19.21
19.63
19.96
20.28
20.41
20.01
20.36
20.01
Profit Margin (%)
17.96
16.54
15.98
15.95
17.67
20.64
19.38
23.65
25.53
30.54
30.44
24.78
30.72
26.71
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
6
6
13
20
15
23
25
32
21
15
16
15
26
17
Total Equity
17
18
18
18
23
25
28
31
36
40
46
50
59
54
Return on Invested Capital (%)
4.03
3.58
3.06
3.27
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
81.91
37.37
28.15
24.77
25.31
24.42
22.03
25.48
26.23
27.8
23.49
17.66
22.17
18.74

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
40
30
20
LT Borrowings
15
13
17
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
48
43
46

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
36
32
35
Accounts Receivable, Net
2
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
- -
- -
ST Debt
40
30
20
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.08%
13.34%
16.85%
Free Cash Flow
28.95%
35.85%
40.09%
Net Income, GAAP
22.71%
22.35%
53.62%
Sales/Revenue/Turnover
13.72%
14.26%
23.92%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5
5
5
6
21
2025
6
6
7
- -
27
2026
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
0.44
0.53
0.35
1.82
2025
0.56
0.63
0.77
- -
2.72
2026
0.82
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Lauren C. Ranalli
Full Time Employees
15
Sector
Financial Services
Industry
Banks - Regional
Address
690 Stockton Drive Exton PA United States of America 19341
IPO Date
Apr 27, 2005
Business
First Resource Bancorp, Inc. (OTCQX: FRSB) operates as the holding company for First Resource Bank, a community bank providing personal and business banking products and services primarily in southeastern Pennsylvania; its core offerings include savings, checking, and money market accounts, certificate of deposit account registry services, insured cash sweeps, certificates of deposit, and IRAs; commercial mortgages, construction loans, working capital credit lines, small business administration loans, commercial term loans, 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; as well as credit and debit cards, digital banking services, cash management, positive pay, ACH origination, sweep/transfer of funds, ATM access, over-the-counter checks, bill payment, wire transfer, signature guarantee/notary services, safe deposit boxes, drive-up banking, night depository, foreign currency exchange, cashier's checks, e-statements, stop payments, telephone, messaging, text, online, and mobile banking. The company, founded in 2005 and headquartered at 800 North Pottstown Pike in Exton, Pennsylvania, targets businesses, entrepreneurs, and individuals in the regional banking sector with a focus on commercial lending and deposit growth. Recent developments include surpassing $700 million in total assets and reporting record Q3 2025 net income of $2.3 million (up 39% year-over-year) with 12% loan growth to $655.3 million and 15% deposit growth to $630.8 million; implementing a 5% stock repurchase program of up to 155,922 shares expiring July 2025; issuing $2.5 million in subordinated debt in 2024; appointing Jim Egan as Senior Vice President of Commercial Lending and new directors Pamela M. Cyr and Michael Hohl; and earning recognition as a top-performing community bank by American Banker for the third consecutive year.

Company News

APIChatGPT
  • First Resource Bank Reports Record First Quarter 2026 Financial Results

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES QUARTERLY CASH DIVIDEND

  • First Resource Bancorp, Inc. to Spotlight Strong 2025 Performance at Banking Virtual Investor Conference March 26, 2026

  • Contrasting First Resource Bancorp (OTCMKTS:FRSB) & Quaint Oak Bancorp (OTCMKTS:QNTO)

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES QUARTERLY CASH DIVIDEND

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES RECORD ANNUAL RESULTS; NET INCOME GREW 54%, LOANS GREW 13% AND DEPOSITS GREW 31% OVER PRIOR YEAR

  • First Resource Bancorp (OTCMKTS:FRSB) Shares Cross Above Fifty Day Moving Average – Should You Sell?

  • FIRST RESOURCE BANCORP, INC. COMPLETES $8 MILLION SUBORDINATED DEBT OFFERING

  • First Resource Bank Named Best Bank in Chester County for Ninth Consecutive Year

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES 2025 THIRD QUARTER RESULTS; NET INCOME GREW 39% OVER PRIOR YEAR, NET INTEREST MARGIN EXPANDS

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES 2025 SECOND QUARTER RESULTS; NET INCOME GREW 41% OVER PRIOR YEAR, NET INTEREST MARGIN EXPANDS

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES 2025 FIRST QUARTER RESULTS; NET INCOME GREW 27% OVER PRIOR YEAR, NET INTEREST MARGIN EXPANDS

  • Jim Egan Joins First Resource Bank's Commercial Lending Team

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES ANNUAL EARNINGS; LOANS GREW 13% AND DEPOSITS GREW 11% OVER THE PRIOR YEAR

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES 2024 THIRD QUARTER RESULTS; LOANS AND DEPOSITS GREW 13% OVER THE PAST 12 MONTHS

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES STOCK REPURCHASE PROGRAM

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES 2024 SECOND QUARTER RESULTS; NET INTEREST MARGIN EXPANDS, LOANS GREW 14% AND DEPOSITS GREW 13% OVER THE PAST 12 MONTHS

  • FIRST RESOURCE BANCORP, INC. Recognized as One of the Top Performing Bank Holding Companies Under $2 Billion in Assets in the US by American Banker

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES APPOINTMENT OF TWO NEW DIRECTORS

  • FIRST RESOURCE BANCORP, INC. ANNOUNCES 2024 FIRST QUARTER RESULTS; CONTINUED BALANCE SHEET GROWTH OFFSETS MARGIN COMPRESSION