First Robinson Financial Corporation (FRFC) Fair Value & Analysis

Financial Services · US · Market cap $34.9M

A solid business, screening 28% undervalued on our models.

What matters now

• Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $23.13 – $75.95 · fair‑value band $67.92 – $113.20 · the $71.00 price screens below the $90.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

First Robinson Financial Corporation (FRFC) currently trades at $71.00, while our model-based Fair Value estimate is $90.56, implying the stock looks roughly 27.6% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Trailing-twelve-month revenue stands at $17.6M. Revenue grew 14.5% year over year. It earns a return on equity of 11.7%. The balance sheet holds a net cash position of $45.4M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $67.92 (bear case) to $113.20 (bull case); at $71.00, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 76% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 28%, FRFC screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($86.15) versus Dividend Discount ($12.99). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

First Robinson Financial Corporation operates as the holding company for First Robinson Savings Bank, National Association that provides various banking and financial products and services to individual and corporate customers in the United States.

Full company description

First Robinson Financial Corporation operates as the holding company for First Robinson Savings Bank, National Association that provides various banking and financial products and services to individual and corporate customers in the United States. The company offers various deposit products, including checking, savings, money market, health savings, and individual retirement accounts; and certificates of deposit. Its loan portfolio comprises personal, home mortgage, home equity, auto, business term, agriculture, and commercial real estate loans, as well as business lines of credit. The company also offers ATM and debit card, mobile deposit, online and mobile banking, bill pay, credit card, e-statement, direct deposit, safe deposit box, wire transfer, notary, night depository, cashiers checks, coin counting, fax, money order, interactive teller machine, bounce protection, merchant card, and cash management services; and trust and investment services. It operates full-service offices and serves customers in Crawford and surrounding counties in Illinois; and Knox and surrounding counties in Indiana. First Robinson Financial Corporation was founded in 1884 and is headquartered in Robinson, Illinois.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

First Robinson Financial Corporation reported revenue of $15.9M in FY2025 versus $13.7M in FY2021, a compound +3.7%/yr. Reported net income was $3.7M in FY2025, compounding +8.8%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.