First National Bank Alaska (OTCPK:FBAK) Non Performing Loan Rise Tests Bullish Profitability Narratives

Simply Wall St.05-09

First National Bank Alaska (FBAK) has wrapped up FY 2025 with fourth quarter revenue of US$56.3 million and basic EPS of US$6.33, while trailing 12 month revenue reached US$213.2 million and EPS came ...

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Over the past year, revenue has moved from US$194.5 million on a trailing basis to US$213.2 million, with trailing net profit margin at 36.4% compared with 34.5% a year earlier. This sets the backdrop for how you read the latest earnings line. With earnings growth outpacing the...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BLSG":"2倍做多BLSH ETF-Leverage Shares","FBAK":"First National Bank Alaska","BK4211":"区域性银行","BK4112":"金融交易所和数据","BLSX":"Tradr 2X Long BLSH Daily ETF"},"translate_title":"阿拉斯加第一国民银行（OTCPK：FBAK）不良贷款上升考验看涨的盈利能力叙事","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"BLSG":0.6,"BLSX":0.6,"FBAK":1.98},"content_text":"First National Bank Alaska (FBAK) has wrapped up FY 2025 with fourth quarter revenue of US$56.3 million and basic EPS of US$6.33, while trailing 12 month revenue reached US$213.2 million and EPS came in at US$24.48. Over the past year, revenue has moved from US$194.5 million on a trailing basis to US$213.2 million, with trailing net profit margin at 36.4% compared with 34.5% a year earlier. This sets the backdrop for how you read the latest earnings line. With earnings growth outpacing the five year trend and margins sitting in the mid 30% range, this result puts profitability at the center of the story for investors. See our full analysis for First National Bank Alaska. With the headline numbers on the table, the next step is to see how they line up with the widely held narratives around growth, quality and risk that have been building over the past year. Curious how numbers become stories that shape markets? Explore Community Narratives OTCPK:FBAK Revenue & Expenses Breakdown as at May 2026 AdvertisementLoan Book Grows Past US$2.7b  Total loans on a trailing basis reached US$2,725.7 million at FY 2025 Q4, up from US$2,482.4 million a year earlier. Loans in the latest quarter also sat above the US$2,590.7 million level seen in Q3 2025. What stands out for a more bullish view is that this larger loan book is paired with trailing 12 month net income of US$77.5 million, and\n     trailing revenue of US$213.2 million supports the idea that lending activity and interest income are both meaningful contributors to profitability. the current share price of US$337.34 sits against this backdrop of a higher loan base compared with FY 2024 Q4, which bullish investors often point to when thinking about scale.    Non performing Loans Tick Higher  Non performing loans ended FY 2025 Q4 at US$13.7 million, compared with US$7.2 million at FY 2024 Q4 and US$4.0 million at FY 2024 Q3. The trailing 12 month series also moved from US$7.2 million a year ago to US$13.7 million. For a bearish narrative that focuses on credit quality, this climb in non performing loans sits alongside otherwise strong profitability,\n     because trailing 12 month net income of US$77.5 million and a 36.4% net margin show healthy earnings even as problem loans have risen from earlier trailing data points such as US$4.2 million at FY 2025 Q1. critics highlight that any further rise in non performing loans would be watched closely, given the loan book of US$2,725.7 million now carries a higher absolute level of stressed exposures than a year ago.    36.4% Margin Meets Mixed Valuation  The trailing 12 month net profit margin of 36.4% compares with 34.5% a year earlier. The stock trades on a 13.8x P/E, above the wider US banks industry average of 11.5x but below the peer group average of 19.8x. Supporters of a bullish angle point to this combination of high margin and a quoted price below DCF fair value of US$414.18,\n     because the current share price of US$337.34 is about 18.6% below that DCF fair value, which they see as room between price and estimated worth. at the same time, earnings growth of 6.4% per year over five years and 15.6% over the past year is used to argue that the 36.4% margin is being earned on a higher profit base than in earlier periods.    Bulls and bears are drawing very different conclusions from the same margin and valuation mix, so it can help to see how other investors tie these numbers together in their own narratives Curious how numbers become stories that shape markets? Explore Community Narratives Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on First National Bank Alaska's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. Mixed signals on growth, profitability and credit quality can feel confusing, so move quickly to review the data, weigh both sides and shape your own view using the 2 key rewards and 1 important warning sign See What Else Is Out There FBAK’s higher non performing loans and mixed credit quality story sit awkwardly beside its profitability, which may leave you wanting a steadier risk profile. If rising problem loans make you uneasy, use the 72 resilient stocks with low risk scores to quickly focus on companies where balance sheets and risk scores aim for more resilience.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n        and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n        financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n        Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n        Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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