FRBA Fundamental Analysis - FIRST BANK/HAMILTON NJ

Fundamental Rating

FRBA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. While FRBA is still in line with the averages on profitability rating, there are concerns on its financial health. FRBA has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

FRBA had positive earnings in the past year.

FRBA had a positive operating cash flow in the past year.

In the past 5 years FRBA has always been profitable.

In the past 5 years FRBA always reported a positive cash flow from operatings.

1.2 Ratios

FRBA has a better Return On Assets (1.01%) than 64.45% of its industry peers.

FRBA has a better Return On Equity (9.43%) than 60.10% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.01%
ROE	9.43%
ROIC	N/A

ROA(3y)1.01%

ROA(5y)1.05%

ROE(3y)9.5%

ROE(5y)9.99%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FRBA has a Profit Margin of 29.71%. This is in the better half of the industry: FRBA outperforms 79.80% of its industry peers.

In the last couple of years the Profit Margin of FRBA has grown nicely.

FRBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.71%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.28%

PM growth 5Y8.57%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FRBA does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for FRBA has been increased compared to 1 year ago.

The number of shares outstanding for FRBA has been increased compared to 5 years ago.

The debt/assets ratio for FRBA has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of FRBA is 0.87, which is an excellent value as it means it would take FRBA, only 0.87 years of fcf income to pay off all of its debts.

FRBA's Debt to FCF ratio of 0.87 is fine compared to the rest of the industry. FRBA outperforms 75.19% of its industry peers.

A Debt/Equity ratio of 0.07 indicates that FRBA is not too dependend on debt financing.

FRBA's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. FRBA outperforms 76.98% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.87
Altman-Z	N/A

ROIC/WACCN/A

WACC16.93%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FRBA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.38%.

Measured over the past years, FRBA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.45% on average per year.

The Revenue has grown by 25.10% in the past year. This is a very strong growth!

The Revenue has been growing by 15.80% on average over the past years. This is quite good.

EPS 1Y (TTM)-18.38%

EPS 3Y-2.47%

EPS 5Y16.45%

EPS Q2Q%-6.82%

Revenue 1Y (TTM)25.1%

Revenue growth 3Y13.15%

Revenue growth 5Y15.8%

Sales Q2Q%11.36%

3.2 Future

The Earnings Per Share is expected to grow by 7.31% on average over the next years.

Based on estimates for the next years, FRBA will show a quite strong growth in Revenue. The Revenue will grow by 11.16% on average per year.

EPS Next Y3.45%

EPS Next 2Y7.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year16.16%

Revenue Next 2Y11.16%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.21, the valuation of FRBA can be described as reasonable.

Based on the Price/Earnings ratio, FRBA is valued a bit cheaper than the industry average as 70.08% of the companies are valued more expensively.

FRBA is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.

FRBA is valuated reasonably with a Price/Forward Earnings ratio of 8.80.

Based on the Price/Forward Earnings ratio, FRBA is valued a bit cheaper than 76.73% of the companies in the same industry.

FRBA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.

		Industry Rank	Sector Rank
PE	11.21
Fwd PE	8.8

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FRBA is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	12.24
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)3.25

PEG (5Y)0.68

EPS Next 2Y7.31%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.41%, FRBA has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.56, FRBA is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.45, FRBA's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.41%

5.2 History

FRBA has been paying a dividend for over 5 years, so it has already some track record.

FRBA has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years7

5.3 Sustainability

FRBA pays out 15.42% of its income as dividend. This is a sustainable payout ratio.

DP15.42%

EPS Next 2Y7.31%

EPS Next 3YN/A

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FIRST BANK/HAMILTON NJ

NASDAQ:FRBA (9/5/2025, 8:16:34 PM)

After market: 16.92 0 (0%)

16.92

-0.07 (-0.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners47.5%

Inst Owner Change1.14%

Ins Owners8.41%

Ins Owner ChangeN/A

Market Cap423.17M

Analysts82.22

Price Target19.04 (12.53%)

Short Float %0.48%

Short Ratio1.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.41%

Yearly Dividend0.24

Dividend Growth(5Y)N/A

DP15.42%

Div Incr Years0

Div Non Decr Years7

Ex-Date08-08 2025-08-08 (0.06)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.91%

Min EPS beat(2)-5.78%

Max EPS beat(2)3.95%

EPS beat(4)2

Avg EPS beat(4)-4.05%

Min EPS beat(4)-22.22%

Max EPS beat(4)7.84%

EPS beat(8)6

Avg EPS beat(8)14.81%

EPS beat(12)8

Avg EPS beat(12)7.63%

EPS beat(16)10

Avg EPS beat(16)6.23%

Revenue beat(2)1

Avg Revenue beat(2)-0.12%

Min Revenue beat(2)-0.36%

Max Revenue beat(2)0.12%

Revenue beat(4)1

Avg Revenue beat(4)-1.99%

Min Revenue beat(4)-6.5%

Max Revenue beat(4)0.12%

Revenue beat(8)2

Avg Revenue beat(8)-2.67%

Revenue beat(12)5

Avg Revenue beat(12)-0.95%

Revenue beat(16)9

Avg Revenue beat(16)0.89%

PT rev (1m)3.7%

PT rev (3m)8.74%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.63%

EPS NY rev (1m)1.82%

EPS NY rev (3m)1.82%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)1.16%

Revenue NY rev (3m)6.48%

Valuation

		Industry Rank	Sector Rank
PE	11.21
Fwd PE	8.8
P/S	3.21
P/FCF	12.24
P/OCF	11.23
P/B	1.02
P/tB	1.17
EV/EBITDA	N/A

EPS(TTM)1.51

EY8.92%

EPS(NY)1.92

Fwd EY11.37%

FCF(TTM)1.38

FCFY8.17%

OCF(TTM)1.51

OCFY8.91%

SpS5.26

BVpS16.59

TBVpS14.49

PEG (NY)3.25

PEG (5Y)0.68

Profitability

		Industry Rank	Sector Rank
ROA	1.01%
ROE	9.43%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.71%
GM	N/A
FCFM	26.27%

ROA(3y)1.01%

ROA(5y)1.05%

ROE(3y)9.5%

ROE(5y)9.99%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.28%

PM growth 5Y8.57%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.87
Debt/EBITDA	N/A
Cap/Depr	70.39%
Cap/Sales	2.36%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	88.42%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC16.93%

ROIC/WACCN/A

Cap/Depr(3y)99.72%

Cap/Depr(5y)66%

Cap/Sales(3y)2.4%

Cap/Sales(5y)1.58%

Profit Quality(3y)276.09%

Profit Quality(5y)206.21%

High Growth Momentum

Growth

EPS 1Y (TTM)-18.38%

EPS 3Y-2.47%

EPS 5Y16.45%

EPS Q2Q%-6.82%

EPS Next Y3.45%

EPS Next 2Y7.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)25.1%

Revenue growth 3Y13.15%

Revenue growth 5Y15.8%

Sales Q2Q%11.36%

Revenue Next Year16.16%

Revenue Next 2Y11.16%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-3.1%

FCF growth 3Y-3.9%

FCF growth 5YN/A

OCF growth 1Y-2.69%

OCF growth 3Y-0.49%

OCF growth 5YN/A

FIRST BANK/HAMILTON NJ (FRBA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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