1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
First Berlin Bancorp, Inc.

First Berlin Bancorp, Inc.

FTFI
First Berlin Bancorp, Inc.US flagOther OTC
38.00
USD
-0.25
- -
99.45MMarket Cap
First Berlin Bancorp, Inc.
FTFI
(Other OTC)

Recent

price

38.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2021
2022
2023
2024
2025
TTM
FRC
9.37
9.1
9.48
10.37
11.86
10.91
Revenue per Share
2.98
2.61
2.46
3.43
4.1
3.63
Basic EPS, GAAP
3.03
3.48
3
3.54
4.67
- -
Free Cash Flow per Basic Share
0.2
0.2
0.2
0.25
0.36
- -
Dividend per Share
17.89
20.3
22.56
25.78
30.24
27.66
Book Value per Share
20.08
19.11
22.15
25.7
30.57
28.27
Tangible Book Value per Share
3
3
3
3
3
3
Basic Weighted Avg Shares
26
25
26
29
32
30
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
- -
- -
1
- -
Depreciation Expense
8
7
7
9
11
10
Net Income, GAAP
27.43
27.14
31.05
20.47
20.24
20.19
Effective Tax Rate (%)
31.81
28.68
25.96
33.02
34.6
33.25
Profit Margin (%)
- -
- -
- -
- -
- -
- -
Working Capital
22
9
31
55
52
55
LT Debt
58
55
63
73
84
80
Total Equity
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
13.67
11.48
14.16
14.47
13.97
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
55
65
55
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
65
78
80

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
130
141
120
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
15.11%
Free Cash Flow
- -
- -
28.4%
Net Income, GAAP
- -
- -
16.57%
Sales/Revenue/Turnover
- -
- -
11.26%
Total Cash Common Dividend
- -
- -
40%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
7
7
7
29
2025
8
8
8
- -
32
2026
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.77
- -
- -
- -
3.43
2025
0.95
- -
- -
- -
4.1
2026
1.08
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.25
2025
- -
- -
- -
- -
0.36
2026
- -
- -
- -
- -
- -
Similar Companies
PT Bank Sinarmas Tbk (BSIM.JK)
Banco di Desio e della Brianza S.p.A. (BDB.MI)
Flagstar Bancorp, Inc. (FBC)
Great American Bancorp, Inc. (GTPS)
BayCom Corp (BCML)
Truist Financial Corporation (TFC-PI)
Business
First Berlin Bancorp, Inc. First Berlin Bancorp, Inc. (OTCQX: FTFI) serves as the holding company for Fortifi Bank, a state-chartered community bank headquartered in Berlin, Wisconsin, and founded in 1876. Fortifi Bank provides a comprehensive range of banking products and services to businesses and consumers primarily in Wisconsin, including checking and savings accounts, certificates of deposit, personal loans, home loans, auto loans, business credit and loans, debit and credit cards, treasury management, online and mobile banking, and wealth management services; its loan portfolio encompasses agricultural and commercial real estate loans, construction and development loans, multifamily loans, residential real estate loans, commercial and industrial loans, and consumer loans. The bank emphasizes community-focused lending, such as financing expansions for local businesses like millwork distributors in Oshkosh, Wisconsin, and offers innovative deposit products like Checking+ accounts featuring rewards options including 5% cash back or up to 4.07% APY, no monthly fees, ATM refunds, and optional round-up savings. Recent developments include Fortifi Capital, an associated small business lending initiative, surpassing $175 million in funded loans within two years as of August 2025, reflecting rapid growth and technological investments in supporting regional small businesses.