FIRST BANK/HAMILTON NJ (FRBA) Fundamental Analysis & Valuation

NASDAQ:FRBA • US31931U1025

Current stock price

15.21 USD
+0.11 (+0.73%)
At close:
15.21 USD
0 (0%)
After Hours:

This FRBA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FRBA Profitability Analysis

1.1 Basic Checks

  • FRBA had positive earnings in the past year.
  • Each year in the past 5 years FRBA has been profitable.
  • FRBA had a positive operating cash flow in 4 of the past 5 years.
FRBA Yearly Net Income VS EBIT VS OCF VS FCFFRBA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • The Return On Assets of FRBA (1.10%) is better than 66.67% of its industry peers.
  • With a decent Return On Equity value of 9.84%, FRBA is doing good in the industry, outperforming 61.15% of the companies in the same industry.
Industry RankSector Rank
ROA 1.1%
ROE 9.84%
ROIC N/A
ROA(3y)0.93%
ROA(5y)1.11%
ROE(3y)8.6%
ROE(5y)10.32%
ROIC(3y)N/A
ROIC(5y)N/A
FRBA Yearly ROA, ROE, ROICFRBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FRBA's Profit Margin of 29.66% is fine compared to the rest of the industry. FRBA outperforms 75.07% of its industry peers.
  • FRBA's Profit Margin has improved in the last couple of years.
  • FRBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.66%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.29%
PM growth 5Y2.97%
GM growth 3YN/A
GM growth 5YN/A
FRBA Yearly Profit, Operating, Gross MarginsFRBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. FRBA Health Analysis

2.1 Basic Checks

  • FRBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FRBA has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FRBA has been increased compared to 5 years ago.
  • The debt/assets ratio for FRBA is higher compared to a year ago.
FRBA Yearly Shares OutstandingFRBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
FRBA Yearly Total Debt VS Total AssetsFRBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • A Debt/Equity ratio of 0.08 indicates that FRBA is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.08, FRBA is doing good in the industry, outperforming 72.97% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC17.4%
FRBA Yearly LT Debt VS Equity VS FCFFRBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FRBA Yearly Current Assets VS Current LiabilitesFRBA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FRBA Growth Analysis

3.1 Past

  • FRBA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.19%.
  • Measured over the past years, FRBA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.21% on average per year.
  • Looking at the last year, FRBA shows a quite strong growth in Revenue. The Revenue has grown by 13.36% in the last year.
  • FRBA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.16% yearly.
EPS 1Y (TTM)4.19%
EPS 3Y-1.85%
EPS 5Y10.21%
EPS Q2Q%19.51%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y14.72%
Revenue growth 5Y14.16%
Sales Q2Q%14.51%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.71% on average over the next years. This is quite good.
  • Based on estimates for the next years, FRBA will show a small growth in Revenue. The Revenue will grow by 5.15% on average per year.
EPS Next Y11.97%
EPS Next 2Y9.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.24%
Revenue Next 2Y5.15%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FRBA Yearly Revenue VS EstimatesFRBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
FRBA Yearly EPS VS EstimatesFRBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. FRBA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.74, which indicates a very decent valuation of FRBA.
  • 87.40% of the companies in the same industry are more expensive than FRBA, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, FRBA is valued rather cheaply.
  • FRBA is valuated cheaply with a Price/Forward Earnings ratio of 7.81.
  • Based on the Price/Forward Earnings ratio, FRBA is valued cheaply inside the industry as 88.45% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, FRBA is valued rather cheaply.
Industry RankSector Rank
PE 8.74
Fwd PE 7.81
FRBA Price Earnings VS Forward Price EarningsFRBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FRBA Per share dataFRBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)0.86
EPS Next 2Y9.71%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FRBA Dividend Analysis

5.1 Amount

  • FRBA has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.90, FRBA is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.91, FRBA pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.37%

5.2 History

  • FRBA has paid a dividend for at least 10 years, which is a reliable track record.
  • As FRBA did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years7
FRBA Yearly Dividends per shareFRBA Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

DP0%
EPS Next 2Y9.71%
EPS Next 3YN/A
FRBA Yearly Income VS Free CF VS DividendFRBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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FRBA Fundamentals: All Metrics, Ratios and Statistics

FIRST BANK/HAMILTON NJ

NASDAQ:FRBA (3/16/2026, 4:30:01 PM)

After market: 15.21 0 (0%)

15.21

+0.11 (+0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners50.22%
Inst Owner Change-0.03%
Ins Owners7.38%
Ins Owner ChangeN/A
Market Cap380.40M
Revenue(TTM)147.20M
Net Income(TTM)43.66M
Analysts80
Price Target20.15 (32.48%)
Short Float %0.64%
Short Ratio2.13
Dividend
Industry RankSector Rank
Dividend Yield 2.37%
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years7
Ex-Date02-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.84%
Min EPS beat(2)-2.95%
Max EPS beat(2)1.27%
EPS beat(4)1
Avg EPS beat(4)-2.94%
Min EPS beat(4)-5.78%
Max EPS beat(4)1.27%
EPS beat(8)4
Avg EPS beat(8)-0.68%
EPS beat(12)7
Avg EPS beat(12)8.17%
EPS beat(16)9
Avg EPS beat(16)5.19%
Revenue beat(2)1
Avg Revenue beat(2)-1.19%
Min Revenue beat(2)-2.63%
Max Revenue beat(2)0.25%
Revenue beat(4)2
Avg Revenue beat(4)-0.48%
Min Revenue beat(4)-2.63%
Max Revenue beat(4)0.82%
Revenue beat(8)3
Avg Revenue beat(8)-1.86%
Revenue beat(12)5
Avg Revenue beat(12)-1.81%
Revenue beat(16)8
Avg Revenue beat(16)-0.52%
PT rev (1m)0%
PT rev (3m)3.95%
EPS NQ rev (1m)-0.36%
EPS NQ rev (3m)0.72%
EPS NY rev (1m)-1.04%
EPS NY rev (3m)-1.29%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)0.41%
Revenue NY rev (3m)-1.63%
Valuation
Industry RankSector Rank
PE 8.74
Fwd PE 7.81
P/S 2.58
P/FCF N/A
P/OCF N/A
P/B 0.86
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.74
EY11.44%
EPS(NY)1.95
Fwd EY12.81%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.89
BVpS17.73
TBVpS15.68
PEG (NY)0.73
PEG (5Y)0.86
Graham Number26.35
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 9.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.66%
GM N/A
FCFM N/A
ROA(3y)0.93%
ROA(5y)1.11%
ROE(3y)8.6%
ROE(5y)10.32%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.29%
PM growth 5Y2.97%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC17.4%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.19%
EPS 3Y-1.85%
EPS 5Y10.21%
EPS Q2Q%19.51%
EPS Next Y11.97%
EPS Next 2Y9.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.36%
Revenue growth 3Y14.72%
Revenue growth 5Y14.16%
Sales Q2Q%14.51%
Revenue Next Year4.24%
Revenue Next 2Y5.15%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

FIRST BANK/HAMILTON NJ / FRBA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST BANK/HAMILTON NJ (FRBA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FRBA.


What is the valuation status of FIRST BANK/HAMILTON NJ (FRBA) stock?

ChartMill assigns a valuation rating of 6 / 10 to FIRST BANK/HAMILTON NJ (FRBA). This can be considered as Fairly Valued.


What is the profitability of FRBA stock?

FIRST BANK/HAMILTON NJ (FRBA) has a profitability rating of 4 / 10.


What is the earnings growth outlook for FIRST BANK/HAMILTON NJ?

The Earnings per Share (EPS) of FIRST BANK/HAMILTON NJ (FRBA) is expected to grow by 11.97% in the next year.


How sustainable is the dividend of FIRST BANK/HAMILTON NJ (FRBA) stock?

The dividend rating of FIRST BANK/HAMILTON NJ (FRBA) is 4 / 10 and the dividend payout ratio is 0%.