FIRST BANK/HAMILTON NJ (FRBA)
US31931U1025 - Common Stock
Taking everything into account, FRBA scores 2 out of 10 in our fundamental rating. FRBA was compared to 411 industry peers in the Banks industry. Both the profitability and financial health of FRBA have multiple concerns. FRBA has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year FRBA was profitable.
In the past 5 years FRBA has always been profitable.
In multiple years FRBA reported negative operating cash flow during the last 5 years.
1.2 Ratios
The profitability ratios for FRBA are negative, so there is not much use analyzing them.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROIC | N/A |
ROA(3y)1.1%
ROA(5y)0.96%
ROE(3y)10.48%
ROE(5y)9.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FRBA's Profit Margin of 20.13% is on the low side compared to the rest of the industry. FRBA is outperformed by 65.94% of its industry peers.
FRBA's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FRBA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.13% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.73%
PM growth 5Y-7.74%
GM growth 3YN/A
GM growth 5YN/A
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.
FRBA has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FRBA is higher compared to a year ago.
2.2 Solvency
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FRBA have decreased by -2.76% in the last year.
FRBA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.44% yearly.
FRBA shows a small growth in Revenue. In the last year, the Revenue has grown by 6.47%.
The Revenue has been growing by 12.19% on average over the past years. This is quite good.
EPS 1Y (TTM)-2.76%
EPS 3Y15.53%
EPS 5Y11.44%
EPS growth Q2Q28.95%
Revenue 1Y (TTM)6.47%
Revenue growth 3Y11%
Revenue growth 5Y12.19%
Revenue growth Q2QN/A
3.2 Future
FRBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.48% yearly.
FRBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.02% yearly.
EPS Next Y5.85%
EPS Next 2Y5.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.54%
Revenue Next 2Y16.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
FRBA is valuated cheaply with a Price/Earnings ratio of 6.80.
Based on the Price/Earnings ratio, FRBA is valued cheaper than 88.32% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.25, FRBA is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.52, the valuation of FRBA can be described as very cheap.
Based on the Price/Forward Earnings ratio, FRBA is valued cheaply inside the industry as 93.19% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, FRBA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.8 | ||
| Fwd PE | 6.52 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FRBA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)0.59
EPS Next 2Y5.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FRBA has a Yearly Dividend Yield of 1.95%.
Compared to an average industry Dividend Yield of 3.89, FRBA is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.45, FRBA is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
5.2 History
FRBA has been paying a dividend for over 5 years, so it has already some 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 Years6
5.3 Sustainability
The earnings of FRBA are negative and hence is the payout ratio. FRBA will probably not be able to sustain this dividend level.
DP-5.6%
EPS Next 2Y5.48%
EPS Next 3YN/A
FIRST BANK/HAMILTON NJ
NASDAQ:FRBA (4/24/2024, 7:03:22 PM)
After market: 11.97 0 (0%)11.97
-0.35 (-2.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap302.24M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.8 | ||
| Fwd PE | 6.52 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.16
PEG (5Y)0.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 20.13% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset TurnoverN/A
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-2.76%
EPS 3Y15.53%
EPS 5Y
EPS growth Q2Q
EPS Next Y5.85%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)6.47%
Revenue growth 3Y11%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y