First Bank — Earnings Quality Grade A
FRBA · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 36 days, change -4 days YoY
AR growth 0.8% vs revenue growth 13.4%
Revenue 13.4%, CFFO 137.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -0.2% vs revenue 13.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.50. Profits backed by cash
FCF $0.1B, FCF/NI = 1.44
Accruals ratio = -0.6%. Low accruals
Cash $0.3B covers debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 12% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
First Bank is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25