First Robinson Financial (FRFC) Stock Price

First Robinson Financial Price

OTC·CLOSED
67.25USD+0.00 (+0.00 %)
Market closed

Revenue has compounded at 4.5% per year over the past 27 years to 16.96 M USD. Earnings per share have grown at 13.7% per year over the last 27 years. First Robinson Financial's net margin stands at 15.3%, down from 17.3% several years earlier. First Robinson Financial currently offers a dividend yield of about 1.87%. The payout ratio is around 26% of earnings. The dividend has grown at 6.0% per year over the past 24 years. The stock trades about 56% above its 52-week low.

First Robinson Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of First Robinson Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Robinson Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Robinson Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

First Robinson Financial Stock Price History
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Access this data via the Eulerpool API

First Robinson Financial Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2009
9.32 M USD
790,000.00 USD
Jan 1, 2010
10.03 M USD
-30,000.00 USD
Jan 1, 2011
10.88 M USD
1.40 M USD
Jan 1, 2012
11.08 M USD
1.92 M USD
Jan 1, 2020
16.57 M USD
3.30 M USD
Jan 1, 2021
16.67 M USD
2.62 M USD
Jan 1, 2022
16.20 M USD
2.73 M USD
Jan 1, 2023
16.96 M USD
2.59 M USD

First Robinson Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 12, 2026, 2:44 AM
 
REVENUEM USD
REVENUE GROWTH%
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESk
2001200220032004200520062007200820092010201120122020202120222023
7.007.007.006.006.007.008.008.009.0010.0010.0011.0016.0016.0016.0016.00
-14.2916.6714.2912.5011.1110.0045.45
1.001.001.001.003.002.002.002.00
200.00-33.33
0.330.340.400.430.500.550.650.750.800.850.900.951.201.221.241.26
6.453.0317.657.5016.2810.0018.1815.386.676.255.885.5626.321.671.641.61
550.00500.00490.00520.00520.00510.00500.00470.00450.00420.00430.00430.00570.00560.00540.50539.30
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales First Robinson Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Robinson Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Robinson Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares First Robinson Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Robinson Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

First Robinson Financial stock margins

The First Robinson Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of First Robinson Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for First Robinson Financial.
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Profit margin
Details
Date
Profit margin
Jan 1, 2009
8.48 %
Jan 1, 2010
-0.30 %
Jan 1, 2011
12.87 %
Jan 1, 2012
17.33 %
Jan 1, 2020
19.92 %
Jan 1, 2021
15.72 %
Jan 1, 2022
16.84 %
Jan 1, 2023
15.28 %

First Robinson Financial Stock Revenue, EBIT, Earnings per Share

The First Robinson Financial earnings per share therefore indicates how much revenue First Robinson Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2009
20.71 USD
1.76 USD
Jan 1, 2010
23.88 USD
-0.07 USD
Jan 1, 2011
25.30 USD
3.26 USD
Jan 1, 2012
25.77 USD
4.47 USD
Jan 1, 2020
29.07 USD
5.79 USD
Jan 1, 2021
29.77 USD
4.68 USD
Jan 1, 2022
29.96 USD
5.05 USD
Jan 1, 2023
31.44 USD
4.80 USD

First Robinson Financial business model & stock analysis

The First Robinson Financial Corporation is a financial services company based in Robinson, Illinois. The company was established in 1881 and has since grown to become one of the leading financial service providers in the region. The business model of the First Robinson Financial Corporation focuses on providing a comprehensive range of financial services, including deposits, loans, asset management, investment advice, and insurance. The company's vision is to offer customers a high level of service based on mutual trust and respect. The various divisions of the company include First Robinson Savings Bank, First Robinson Wealth Services, and First Robinson Insurance Agency. Each division offers different products and services to meet the needs of various customers. First Robinson Savings Bank is a full-service bank that offers deposit accounts, loans, credit lines, online banking, and other financial products to retail customers and businesses. The bank is a member of FDIC and provides customers with the security and stability they expect from a trusted financial institution. First Robinson Wealth Services is a department of the company that specializes in asset management and investment advice. This division offers individual asset management services tailored to the needs of retail customers and businesses. The company works closely with customers to understand their financial goals and then develops customized investment strategies to achieve those goals. First Robinson Insurance Agency is an independent insurance agency that offers a comprehensive range of insurance products to protect customers from financial losses due to accidents, illness, natural disasters, and other risks. The agency works with a variety of insurance companies to find individual and customized solutions for customers. The company takes pride in supporting its customers in all areas of financial management by offering integrated and professional services and products. Overall, First Robinson Financial Corporation has built a strong reputation as a trusted financial service provider throughout its history. The company is committed to continue playing a leading role in the financial industry and offering its customers high-quality services to achieve their financial goals.

First Robinson Financial SWOT Analysis

Strengths

First Robinson Financial Corporation has established a strong reputation in the financial industry, known for its reliable and efficient services.

The company has a highly experienced and knowledgeable management team, who possess expertise in various financial sectors.

First Robinson Financial Corporation has a diverse portfolio of financial products and services, catering to the needs of a wide range of customers.

Weaknesses

The company's presence is primarily limited to a certain geographical area, which may restrict its growth potential compared to nationwide financial institutions.

First Robinson Financial Corporation may face challenges in adapting to rapidly changing customer preferences and technological advancements.

The company relies heavily on traditional banking channels and may struggle to compete with online-only financial institutions.

Opportunities

First Robinson Financial Corporation can seize the opportunity to expand its presence in new geographic markets and tap into a larger customer base.

The ongoing trend of digital banking presents an opportunity for the company to enhance its technological infrastructure and offer innovative online banking solutions.

Partnerships and collaborations with fintech companies can enable First Robinson Financial Corporation to leverage new technologies and stay competitive.

Threats

Intense competition from both traditional financial institutions and emerging fintech startups poses a threat to First Robinson Financial Corporation's market share.

Economic downturns and volatile financial markets can impact the company's profitability and stability.

Increased regulatory oversight and compliance requirements may add extra costs and burden to First Robinson Financial Corporation's operations.

First Robinson Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

First Robinson Financial historical P/E ratio, EBIT multiple, and P/S ratio

First Robinson Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

First Robinson Financial shares outstanding

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Number of stocks
Details
Date
Number of stocks
Jan 1, 2009
450,000.00 Stocks
Jan 1, 2010
420,000.00 Stocks
Jan 1, 2011
430,000.00 Stocks
Jan 1, 2012
430,000.00 Stocks
Jan 1, 2020
570,000.00 Stocks
Jan 1, 2021
560,000.00 Stocks
Jan 1, 2022
540,500.00 Stocks
Jan 1, 2023
539,300.00 Stocks

First Robinson Financial Dividend History

29 years of dividend payments · 25 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.35USDYTD
Mar 6, 20260.35USD 0.0%1/1
20251.39USD 3.7%
Mar 7, 20250.34USD 0.0%1/4
Jun 6, 20250.35USD 2.9%2/4
Sep 5, 20250.35USD 0.0%3/4
Dec 5, 20250.35USD 0.0%4/4
20241.34USD 6.3%
20231.26USD 1.6%
20221.24USD 1.6%
20211.22USD 1.7%
20201.20USD 1.7%
20191.18USD 1.7%
20181.16USD 1.8%
20171.14USD 1.8%

First Robinson Financial dividend payout ratio

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2009
45.20 %
Jan 1, 2010
-1,214.29 %
Jan 1, 2011
27.69 %
Jan 1, 2012
21.30 %
Jan 1, 2020
20.69 %
Jan 1, 2021
26.07 %
Jan 1, 2022
24.57 %
Jan 1, 2023
26.22 %
Price targets and forecasts for First Robinson Financial are not yet available.

First Robinson Financial Executives and Management Board

RC

Richard Catt

(60)

President, Chief Executive Officer of the Company and the Bank, Director · since 1989

Compensation165,763.00 USD
WH

William Holt

(65)

Vice President, Senior Loan Officer of the Bank

Compensation111,861.00 USD
SP

Mr. Scott Pulliam

(62)

Independent Chairman of the Board

JM

Jamie McReynolds

(47)

Chief Financial Officer, Vice President, Secretary, Treasurer of the Company and the Bank

MH

Mark Hill

(39)

Vice President of the Bank

Frequently asked questions about First Robinson Financial

First Robinson Financial Corporation operates as a financial holding company. They provide a wide range of banking and financial services to individuals and businesses. Their business model focuses on delivering personalized banking solutions, including deposit accounts, loans, mortgages, and investment services. First Robinson Financial Corporation aims to establish strong relationships with their customers, providing exceptional customer service and supporting the growth and success of local businesses. Through their diverse range of financial products and services, they strive to meet the unique financial needs of their clients, ensuring their long-term financial stability and prosperity.