Cash flow First Robinson Financial Corporation

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FRFC

US3361881077

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Market Closed - OTC Markets Other stock markets 13:35:12 2026-05-27 EDT			5-day change	1st Jan Change
66.00 ^USD	-2.44%		-6.38%	+6.28%

08-03	First Robinson Financial Corporation Reports Earnings Results for the First Quarter Ended June 30, 2026	CI
06-16	First Robinson Financial Corporation Reports Earnings Results for the Full Year Ended March 31, 2026	CI

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Published financial data: FIRST ROBINSON FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	9.6M	10.46M	14.61M	16.47M	19.02M
Interest Income On Investments	2.34M	3.43M	3.56M	4M	4.02M
Interest Income, Total	11.94M	13.89M	18.17M	20.47M	23.04M
Interest On Deposits	984K	2.22M	4.7M	6.55M	5.62M
Total Interest On Borrowings	94K	1.15M	3.24M	1.49M	1.2M
Interest Expense, Total	1.08M	3.37M	7.93M	8.04M	6.83M
Net Interest Income	10.86M	10.52M	10.24M	12.43M	16.21M
Service Charges On Deposits	878K	1M	973K	967K	1.01M
Gain (Loss) on Sale of Loans	1M	284K	368K	408K	477K
Income (Loss) on Real Estate Property	-	-	-	-	-
Gain (Loss) on Sale of Assets	-35K	-167K	10K	9K	-24K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	2.38M	1.78M	1.85M	1.86M	2.03M
Non Interest Income, Total	4.22M	2.9M	3.2M	3.25M	3.49M
Revenues Before Provison For Loan Losses	15.08M	13.42M	13.44M	15.68M	19.69M
Provision For Loan Losses	845K	135K	352K	-179K	1.12M
Total Revenues	14.24M	13.28M	13.08M	15.86M	18.57M
Salaries And Other Employee Benefits	6.71M	5.95M	6.55M	7.02M	8.15M
Occupancy Expense	1.13M	1.14M	1.14M	1.14M	1.2M
Federal Deposit Insurance	170K	144K	264K	228K	248K
Selling General & Admin Expenses, Total	1.66M	1.69M	1.74M	1.87M	2.27M
(Income) Loss on Real Estate Property	102K	71K	33K	17K	45K
Total Other Non Interest Expense	796K	821K	823K	794K	805K
Non Interest Expense, Total	10.57M	9.82M	10.54M	11.07M	12.72M
EBT, Excl. Unusual Items	3.67M	3.46M	2.54M	4.79M	5.85M
Gain (Loss) on Sale of Assets	-	-	-	-	-
EBT, Incl. Unusual Items	3.67M	3.46M	2.54M	4.79M	5.85M
Income Tax Expense	943K	871K	625K	1.13M	1.39M
Earnings From Continuing Operations	2.73M	2.59M	1.92M	3.66M	4.46M
Net Income to Company	2.73M	2.59M	1.92M	3.66M	4.46M
Net Income - (IS)	2.73M	2.59M	1.92M	3.66M	4.46M
Net Income to Common Incl Extra Items	2.73M	2.59M	1.92M	3.66M	4.46M
Net Income to Common Excl. Extra Items	2.73M	2.59M	1.92M	3.66M	4.46M
Per Share Items
Net EPS - Basic	5.3	5.03	3.73	7.29	9.05
Basic EPS - Continuing Operations	5.3	5.03	3.73	7.29	9.05
Basic Weighted Average Shares Outstanding	515K	515K	513K	502K	493K
Net EPS - Diluted	5.05	4.8	3.56	6.93	8.57
Diluted EPS - Continuing Operations	5.05	4.8	3.56	6.93	8.57
Diluted Weighted Average Shares Outstanding	540K	539K	539K	528K	520K
Normalized Basic EPS	4.46	4.2	3.09	5.96	7.42
Normalized Diluted EPS	4.25	4.01	2.95	5.66	7.03
Dividend Per Share	1.23	1.24	1.27	1.36	1.4
Payout Ratio	24.3	25.9	35.84	19.7	16.43
Supplemental Items
Effective Tax Rate - (Ratio)	25.69	25.16	24.59	23.57	23.73
Total Current Taxes	763K	920K	486K	1.18M	1.54M
Total Deferred Taxes	180K	-49K	139K	-55K	-149K
Normalized Net Income	2.29M	2.16M	1.59M	2.99M	3.66M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	18K	18K	18K	36K	452K
Total Stock-Based Compensation	18K	18K	18K	36K	452K

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	48.97M	30.74M	22.71M	46.05M	31.45M
Investment Securities, Total	144M	139M	133M	110M	109M
Mortgage Backed Securities	58.4M	46.27M	39.34M	43.77M	36.88M
Total investments	202M	185M	172M	154M	146M
Gross Loans	205M	240M	254M	260M	316M
Allowance For Loan Losses	-2.47M	-2.7M	-2.92M	-2.88M	-3.6M
Other Adjustments to Gross Loans	-4.64M	-3.9M	-17K	-30K	-50K
Net Loans	198M	234M	251M	257M	312M
Gross Property Plant And Equipment	14.51M	14.66M	15.14M	15.29M	13.65M
Accumulated Depreciation	-8.03M	-8.54M	-8.98M	-9.37M	-7.74M
Net Property Plant And Equipment	6.48M	6.12M	6.15M	5.92M	5.92M
Loans Held For Sale	836K	249K	795K	270K	1.4M
Accrued Interest Receivable	1.47M	1.83M	2.26M	2.37M	2.97M
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	553K	262K	530K	-	271K
Deferred Tax Assets Long-Term (Collected)	2.86M	5.25M	4.46M	2.76M	1.89M
Other Real Estate Owned And Foreclosed	797K	73K	-	-	23K
Other Long-Term Assets, Total	8.62M	8.65M	8.8M	9.08M	9.97M
Total Assets	471M	472M	469M	478M	512M
Liabilities
Interest Bearing Deposits	241M	221M	226M	223M	225M
Institutional Deposits	10.81M	27.85M	49.27M	51.27M	63M
Non-Interest Bearing Deposits	141M	121M	109M	121M	131M
Total Deposits	393M	370M	384M	396M	419M
Short-Term Borrowings	43.51M	72.16M	52.49M	43.56M	48.62M
Current Portion of Long-Term Debt	556K	577K	599K	622K	646K
Long-Term Debt	2.44M	1.87M	1.27M	646K	-
Long-Term Leases	103K	95K	-	44K	101K
Current Income Taxes Payable	-	-	-	106K	-
Accrued Interest Payable	149K	489K	665K	664K	564K
Other Non Current Liabilities	4.17M	4.05M	3.94M	3.98M	4.78M
Total Liabilities	444M	449M	443M	445M	473M
Common Stock, Total	10K	10K	10K	10K	10K
Additional Paid In Capital	13.81M	13.75M	13.71M	13.66M	14M
Retained Earnings	29.61M	31.53M	32.73M	35.67M	39.4M
Treasury Stock	-10.35M	-10.33M	-10.36M	-10.93M	-11.48M
Comprehensive Income and Other	-6.26M	-12.13M	-10.46M	-6.07M	-3.52M
Total Common Equity	26.82M	22.83M	25.62M	32.33M	38.41M
Total Equity	26.82M	22.83M	25.62M	32.33M	38.41M
Total Liabilities And Equity	471M	472M	469M	478M	512M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	540K	542K	540K	526K	514K
ECS Total Common Shares Outstanding	540K	541K	541K	526K	518K
Book Value / Share	49.68	42.17	47.39	61.44	74.13
Tangible Book Value	26.82M	22.83M	25.62M	32.33M	38.41M
Tangible Book Value Per Share	49.68	42.17	47.39	61.44	74.13
Total Debt	46.62M	74.7M	54.36M	44.87M	49.37M
Deposits at Interest - Cash	35.5M	12.34M	6.02M	30.77M	16.66M
Net Debt	-2.35M	43.96M	31.64M	-1.28M	17.82M
Full Time Employees	76	74	72	74	76
Number Of Offices	5	5	5	5	5
Assets under Capital Lease - Gross	-	-	-	-	-

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	2.73M	2.59M	1.92M	3.66M	4.46M
Depreciation, Depletion & Amortization	566K	522K	476K	415K	410K
Amortization of Goodwill and Intangible Assets - (CF)	379K	296K	240K	256K	228K
Total Depreciation, Depletion & Amortization	945K	818K	716K	671K	638K
Gain (Loss) on Sale of Loans & Receivables - (CF)	-1M	-284K	-368K	-408K	-477K
(Gain) Loss On Sale of Asset - (CF)	35K	167K	-10K	-9K	24K
(Gain) Loss on Sale of Investments - (CF)	747K	329K	240K	178K	-24K
Total Asset Writedown	-390K	-	-	-	-
Provision for Credit Losses	845K	135K	352K	-179K	1.12M
Stock-Based Compensation (CF)	107K	13K	16K	16K	432K
Net (Increase) Decrease in Loans Originated / Sold - Operating	486K	871K	-178K	933K	-657K
Changes in Accrued Interest Receivable	199K	-359K	-433K	-110K	-598K
Changes in Accrued Interest Payable	-6K	340K	176K	-1K	-100K
Change In Income Taxes	-167K	291K	-268K	636K	-377K
Change in Other Net Operating Assets (Collected)	-212K	-421K	-211K	-384K	-211K
Other Operating Activities	43K	-188K	-15K	-226K	-326K
Cash from Operations	4.36M	4.3M	1.93M	4.78M	3.91M
Capital Expenditure	-228K	-93K	-533K	-184K	-341K
Sale of Property, Plant, and Equipment	-	-	29K	9K	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-69.95M	8.24M	15.46M	24.03M	11.61M
Net (Increase) Decrease in Loans Originated / Sold - Investing	3.01M	-35.64M	-18.03M	-5.98M	-56.46M
Other Investing Activities, Total	184K	512K	-89K	-1K	662K
Cash from Investing	-66.98M	-26.98M	-3.16M	17.87M	-44.54M
Short Term Debt Issued, Total	227M	444M	310M	173M	176M
Long-Term Debt Issued, Total	3M	-	-	-	-
Total Debt Issued	230M	444M	310M	173M	176M
Short Term Debt Repaid, Total	-198M	-415M	-329M	-182M	-171M
Long-Term Debt Repaid, Total	-934K	-556K	-577K	-599K	-622K
Total Debt Repaid	-199M	-416M	-330M	-183M	-171M
Repurchase of Common Stock	-799K	-48K	-92K	-634K	-638K
Common Dividends Paid	-663K	-671K	-687K	-721K	-733K
Common & Preferred Stock Dividends Paid	-663K	-671K	-687K	-721K	-733K
Net Increase (Decrease) in Deposit Accounts - (CF)	20.67M	-23.01M	14.29M	11.48M	22.81M
Other Financing Activities, Total	55K	104K	27K	100K	139K
Cash from Financing	50.01M	4.46M	-6.8M	687K	26.03M
Net Change in Cash	-12.62M	-18.22M	-8.03M	23.34M	-14.6M
Supplemental Items
Cash Interest Paid	1.08M	3.03M	7.76M	8.04M	6.93M
Cash Income Tax Paid (Refund)	930K	629K	755K	724K	1.74M
Net Debt Issued / Repaid	30.74M	28.08M	-20.34M	-9.53M	4.44M

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	0.61	0.55	0.41	0.77	0.9
Return On Equity %	9.13	10.44	7.91	12.63	12.61
Return on Common Equity	9.13	10.44	7.91	12.63	12.61
Shareholders Value Added	-480K	-91.88K	-750K	439K	445K
Margin Analysis
SG&A Margin	66.72	66.13	72.01	63.26	62.59
Net Interest Income / Total Revenues %	76.29	79.2	78.24	78.39	87.26
EBT Excl. Non-Recurring Items Margin %	25.78	26.07	19.43	30.19	31.5
Income From Continuing Operations Margin %	19.16	19.51	14.65	23.07	24.02
Net Income Margin %	19.16	19.51	14.65	23.07	24.02
Net Avail. For Common Margin %	19.16	19.51	14.65	23.07	24.02
Normalized Net Income Margin	16.11	16.29	12.14	18.87	19.68
Asset quality
Nonperforming Loans / Total Loans %	0.31	0.36	0.79	0.47	1.48
Nonperforming Loans / Total Assets %	0.13	0.18	0.43	0.26	0.92
Nonperforming Assets / Total Assets %	0.3	0.2	0.43	0.26	0.92
NPAs / Loans and OREO	0.69	0.39	0.79	0.47	1.48
NPAs / Equity	5.33	4.1	7.88	3.81	12.2
Allowance for Credit Losses / Net Charge-offs %	277.24	-2.82K	1.03K	-2.03K	909.6
Allowance for Credit Losses / Nonperforming Loans %	390.68	313.33	144.53	234.04	76.9
Allowance for Credit Losses / Total Loans %	1.21	1.13	1.15	1.11	1.14
Provision for Loan Losses / Net Charge-offs %	94.73	-140.62	123.94	126.06	283.59
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.67	5.27	5.15	6.12	7.15
Total Average Equity / Total Average Assets %	6.67	5.27	5.15	6.12	7.15
Total Equity + Allowance for Loan Losses / Total Loans %	14.28	10.63	11.23	13.53	13.31
Gross Loans / Total Deposits %	52.2	64.91	66.13	65.76	75.39
Net Loans / Total Deposits %	50.39	63.12	65.36	65.03	74.52
Tier 1 Capital Ratio %	14.8	14.2	13.9	14.3	12.9
Total Capital Ratio %	15.8	15.3	14.9	15.3	14.1
Core Tier 1 Capital Ratio	14.8	14.2	13.9	14.3	12.9
Coverage Ratio	39.14	201.04	-	-	-
Leverage Ratio %	7.8	8.2	8.3	8.4	8.4
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	40.05	4.01	1.79	4.22	5.85
EBT + Interest Expense / Interest Expense	4.41	2.03	1.32	1.6	1.86
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	4.23	-3.16	-2.67	21.45	30.34
Non Interest Income, 1 Yr. Growth %	-13.02	-31.34	10.39	1.56	7.36
Provision For Loan Losses, 1 Yr. Growth %	-45.2	-84.02	160.74	-150.85	-727.37
Total Revenues, 1 Yr. Growth %	3.68	-6.71	-1.48	21.22	17.08
Earnings From Cont. Operations, 1 Yr. Growth %	4.28	-5.02	-26.01	90.92	21.89
Net Income, 1 Yr. Growth %	4.28	-5.02	-26.01	90.92	21.89
Normalized Net Income, 1 Yr. Growth %	7.78	-5.69	-26.57	88.39	22.13
Diluted EPS Before Extra, 1 Yr. Growth %	7.91	-4.95	-25.83	94.66	23.67
Dividend Per Share, 1 Yr. Growth %	2.5	0.81	2.42	7.09	2.94
Gross Loans, 1 Yr. Growth %	-1.77	17.06	5.82	2.41	21.25
Allowance For Loan Losses, 1 Yr. Growth %	-1.87	9.34	7.91	-1.27	25.03
Net Loans, 1 Yr. Growth %	-1.74	17.93	7.55	2.45	21.21
Non Performing Loans, 1 Yr. Growth %	-73.22	36.33	133.95	-15.97	280.5
Non Performing Assets, 1 Yr. Growth %	-47.15	-34.55	115.71	-15.97	280.5
Total Assets, 1 Yr. Growth %	10.73	0.28	-0.68	1.89	7.12
Total Deposits, 1 Yr Growth %	5.55	-5.86	3.86	2.99	5.77
Tangible Book Value, 1 Yr. Growth %	-18.65	-14.88	12.22	26.21	18.8
Common Equity, 1 Yr. Growth %	-18.65	-14.88	12.22	26.21	18.8
Total Equity, 1 Yr. Growth %	-18.65	-14.88	12.22	26.21	18.8
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.71	0.47	-2.91	8.72	25.81
Non Interest Income, 2 Yr. CAGR %	12.76	-22.72	-12.94	5.88	4.42
Provision For Loan Losses, 2 Yr. CAGR %	45.34	-70.41	-35.46	15.15	78.62
Total Revenues, 2 Yr. CAGR %	1.07	-1.65	-4.13	9.28	19.13
Earnings From Cont. Operations, 2 Yr. CAGR %	-9.13	-0.48	-16.17	18.85	52.55
Net Income, 2 Yr. CAGR %	-9.13	-0.48	-16.17	18.85	52.55
Normalized Net Income, 2 Yr. CAGR %	-8.19	0.82	-16.79	17.61	51.69
Diluted EPS Before Extra, 2 Yr. CAGR %	-6.69	1.27	-16.04	20.16	55.15
Dividend Per Share, 2 Yr. CAGR %	1.67	1.65	1.61	4.73	4.99
Gross Loans, 2 Yr. CAGR %	1.93	7.23	11.3	4.1	11.44
Allowance For Loan Losses, 2 Yr. CAGR %	1.83	3.59	8.63	3.22	11.1
Net Loans, 2 Yr. CAGR %	1.44	7.65	12.62	4.97	11.44
Non Performing Loans, 2 Yr. CAGR %	-67.81	-39.58	78.59	19.43	78.81
Non Performing Assets, 2 Yr. CAGR %	-52.82	-41.19	18.82	14.68	78.81
Total Assets, 2 Yr. CAGR %	16.84	5.37	-0.2	0.6	4.47
Total Deposits, 2 Yr CAGR %	16.97	-0.31	-1.12	3.42	4.37
Tangible Book Value, 2 Yr. CAGR %	-6.33	-16.79	-2.27	19.01	22.45
Common Equity, 2 Yr. CAGR %	-6.33	-16.79	-2.27	19.01	22.45
Total Equity, 2 Yr. CAGR %	-6.33	-16.79	-2.27	19.01	22.45
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	2.02	-1.53	-0.59	4.61	15.5
Non Interest Income, 3 Yr. CAGR %	9.66	-4.43	-12.97	-8.35	6.37
Provision For Loan Losses, 3 Yr. CAGR %	57.81	-30.38	-38.88	-40.39	102.62
Total Revenues, 3 Yr. CAGR %	2.51	-1.59	-1.6	3.67	11.82
Earnings From Cont. Operations, 3 Yr. CAGR %	5.28	-7.78	-9.84	10.29	19.85
Net Income, 3 Yr. CAGR %	5.28	-7.78	-9.84	10.29	19.85
Normalized Net Income, 3 Yr. CAGR %	6.38	-7.36	-9.29	9.27	19.1
Diluted EPS Before Extra, 3 Yr. CAGR %	7.37	-6.11	-8.71	11.13	21.31
Dividend Per Share, 3 Yr. CAGR %	1.97	1.38	1.91	3.41	4.13
Gross Loans, 3 Yr. CAGR %	0.59	6.75	6.76	8.25	9.53
Allowance For Loan Losses, 3 Yr. CAGR %	7.6	4.27	5.01	5.22	10.03
Net Loans, 3 Yr. CAGR %	0.52	6.67	7.61	9.12	10.12
Non Performing Loans, 3 Yr. CAGR %	-17.25	-47.92	-5.12	24.82	75.74
Non Performing Assets, 3 Yr. CAGR %	-21.8	-47.38	-9.3	-4.87	71.05
Total Assets, 3 Yr. CAGR %	11.8	11.04	3.32	0.49	2.72
Total Deposits, 3 Yr CAGR %	11.81	8.81	1.06	0.23	4.2
Tangible Book Value, 3 Yr. CAGR %	-1.03	-9.27	-8.06	6.43	18.94
Common Equity, 3 Yr. CAGR %	-1.03	-9.27	-8.06	6.43	18.94
Total Equity, 3 Yr. CAGR %	-1.03	-9.27	-8.06	6.43	18.94
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.08	2.79	0.01	2.45	9.23
Non Interest Income, 5 Yr. CAGR %	3.92	-3.05	-0.01	-0.43	-6.39
Provision For Loan Losses, 5 Yr. CAGR %	25.17	0.76	10.36	-14.86	-6.14
Total Revenues, 5 Yr. CAGR %	3.31	1.35	-0.2	2.62	6.22
Earnings From Cont. Operations, 5 Yr. CAGR %	6.18	5.96	-3.89	2.07	11.27
Net Income, 5 Yr. CAGR %	6.18	5.96	-3.89	2.07	11.27
Normalized Net Income, 5 Yr. CAGR %	3.57	1.88	-3.57	1.92	11.42
Diluted EPS Before Extra, 5 Yr. CAGR %	7.55	7.27	-2.69	3.62	12.86
Dividend Per Share, 5 Yr. CAGR %	1.71	1.7	1.83	2.71	3.13
Gross Loans, 5 Yr. CAGR %	1.41	4.94	4.74	5.68	8.6
Allowance For Loan Losses, 5 Yr. CAGR %	3.59	5.6	8.01	3.85	7.41
Net Loans, 5 Yr. CAGR %	1.2	4.86	5.2	5.98	9.13
Non Performing Loans, 5 Yr. CAGR %	-14.58	-8.09	12.57	-27.41	14.66
Non Performing Assets, 5 Yr. CAGR %	-1.37	-9.05	-7.55	-28.14	11.6
Total Assets, 5 Yr. CAGR %	8.88	8.14	6.83	6.74	3.78
Total Deposits, 5 Yr CAGR %	10.13	6.9	6.45	6.62	2.37
Tangible Book Value, 5 Yr. CAGR %	1.44	-2.03	-1.53	1.13	3.1
Common Equity, 5 Yr. CAGR %	1.44	-2.03	-1.53	1.13	3.1
Total Equity, 5 Yr. CAGR %	1.44	-2.03	-1.53	1.13	3.1