FRBA Fundamental Analysis - FIRST BANK/HAMILTON NJ

Fundamental Rating

Taking everything into account, FRBA scores 4 out of 10 in our fundamental rating. FRBA was compared to 393 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 is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year FRBA was profitable.

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

In the past 5 years FRBA has always been profitable.

FRBA had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

FRBA has a better Return On Assets (1.01%) than 65.65% of its industry peers.

FRBA has a better Return On Equity (9.43%) than 60.81% 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

With an excellent Profit Margin value of 29.71%, FRBA belongs to the best of the industry, outperforming 82.44% of the companies in the same industry.

FRBA's Profit Margin has improved 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)	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.

Compared to 5 years ago, FRBA has more shares outstanding

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

2.2 Solvency

FRBA has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.

With a decent Debt to FCF ratio value of 0.87, FRBA is doing good in the industry, outperforming 77.61% of the companies in the same industry.

FRBA has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.07, FRBA is doing good in the industry, outperforming 76.84% of the companies in the same industry.

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

ROIC/WACCN/A

WACC17.28%

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%.

FRBA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.45% yearly.

Looking at the last year, FRBA shows a very strong growth in Revenue. The Revenue has grown by 25.10%.

Measured over the past years, FRBA shows a quite strong growth in Revenue. The Revenue has been growing by 15.80% on average per year.

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

Based on estimates for the next years, FRBA will show a small growth in Earnings Per Share. The EPS will grow by 5.34% on average per year.

Based on estimates for the next years, FRBA will show a quite strong growth in Revenue. The Revenue will grow by 10.41% on average per year.

EPS Next Y1.59%

EPS Next 2Y5.34%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.83%

Revenue Next 2Y10.41%

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 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

FRBA is valuated reasonably with a Price/Earnings ratio of 9.70.

Based on the Price/Earnings ratio, FRBA is valued a bit cheaper than 79.13% of the companies in the same industry.

FRBA is valuated cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 7.90, which indicates a rather cheap valuation of FRBA.

77.86% of the companies in the same industry are more expensive than FRBA, based on the Price/Forward Earnings ratio.

FRBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.7
Fwd PE	7.9

4.2 Price Multiples

FRBA's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	10.59
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FRBA does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)6.09

PEG (5Y)0.59

EPS Next 2Y5.34%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FRBA has a Yearly Dividend Yield of 1.59%.

Compared to an average industry Dividend Yield of 3.40, FRBA is paying slightly less dividend.

FRBA's Dividend Yield is slightly below the S&P500 average, which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	1.59%

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

15.42% of the earnings are spent on dividend by FRBA. This is a low number and sustainable payout ratio.

DP15.42%

EPS Next 2Y5.34%

EPS Next 3YN/A

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FIRST BANK/HAMILTON NJ

NASDAQ:FRBA (8/1/2025, 8:00:00 PM)

After market: 14.64 0 (0%)

14.64

-0.26 (-1.74%)

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 Owners48.68%

Inst Owner Change-0.01%

Ins Owners7.05%

Ins Owner ChangeN/A

Market Cap366.15M

Analysts82.22

Price Target18.36 (25.41%)

Short Float %0.38%

Short Ratio1.79

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.59%

Yearly Dividend0.24

Dividend Growth(5Y)N/A

DP15.42%

Div Incr Years0

Div Non Decr Years7

Ex-Date05-09 2025-05-09 (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)3.85%

PT rev (3m)1.89%

EPS NQ rev (1m)-0.63%

EPS NQ rev (3m)3.28%

EPS NY rev (1m)0%

EPS NY rev (3m)1.84%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.9%

Revenue NY rev (1m)0.01%

Revenue NY rev (3m)2.26%

Valuation

		Industry Rank	Sector Rank
PE	9.7
Fwd PE	7.9
P/S	2.78
P/FCF	10.59
P/OCF	9.72
P/B	0.88
P/tB	1.01
EV/EBITDA	N/A

EPS(TTM)1.51

EY10.31%

EPS(NY)1.85

Fwd EY12.66%

FCF(TTM)1.38

FCFY9.45%

OCF(TTM)1.51

OCFY10.29%

SpS5.26

BVpS16.59

TBVpS14.49

PEG (NY)6.09

PEG (5Y)0.59

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

WACC17.28%

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 Y1.59%

EPS Next 2Y5.34%

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 Year14.83%

Revenue Next 2Y10.41%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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