17.2 USD
+0.21 (+1.24%)
FRBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. FRBA has a medium profitability rating, but doesn't score so well on its financial health evaluation. FRBA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year FRBA was profitable.
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
Looking at the Return On Assets, with a value of 1.04%, FRBA is in the better half of the industry, outperforming 64.08% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.69%, FRBA is in the better half of the industry, outperforming 61.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 9.69% | ||
| 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 a decent Profit Margin value of 29.35%, FRBA is doing good in the industry, outperforming 77.26% 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) | 29.35% | ||
| 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
2. Health
2.1 Basic Checks
FRBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
FRBA has more shares outstanding than it did 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/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.08, FRBA is doing good in the industry, outperforming 72.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FRBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.14%.
FRBA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.45% yearly.
The Revenue has grown by 14.85% in the past year. This is quite good.
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)-5.14%
EPS 3Y-2.47%
EPS 5Y16.45%
EPS Q2Q%46.87%
Revenue 1Y (TTM)14.85%
Revenue growth 3Y13.15%
Revenue growth 5Y15.8%
Sales Q2Q%18.11%
3.2 Future
The Earnings Per Share is expected to grow by 8.31% on average over the next years. This is quite good.
FRBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.46% yearly.
EPS Next Y5.97%
EPS Next 2Y8.71%
EPS Next 3Y8.31%
EPS Next 5YN/A
Revenue Next Year19.52%
Revenue Next 2Y12.54%
Revenue Next 3Y10.46%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
FRBA is valuated reasonably with a Price/Earnings ratio of 10.36.
Compared to the rest of the industry, the Price/Earnings ratio of FRBA indicates a rather cheap valuation: FRBA is cheaper than 82.17% of the companies listed in the same industry.
FRBA is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.71 indicates a reasonable valuation of FRBA.
84.24% 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 23.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.36 | ||
| Fwd PE | 8.71 |
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)1.74
PEG (5Y)0.63
EPS Next 2Y8.71%
EPS Next 3Y8.31%
5. Dividend
5.1 Amount
FRBA has a Yearly Dividend Yield of 1.52%. Purely for dividend investing, there may be better candidates out there.
FRBA's Dividend Yield is slightly below the industry average, which is at 3.11.
FRBA's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
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 3.61% of its income as dividend. This is a sustainable payout ratio.
DP3.61%
EPS Next 2Y8.71%
EPS Next 3Y8.31%
NASDAQ:FRBA (12/12/2025, 3:39:22 PM)
17.2
+0.21 (+1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.35%
Inst Owner Change15.34%
Ins Owners7.04%
Ins Owner ChangeN/A
Market Cap430.17M
Revenue(TTM)142.51M
Net Income(TTM)41.83M
Analysts82.5
Price Target19.38 (12.67%)
Short Float %0.5%
Short Ratio2.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP3.61%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.51%
Min EPS beat(2)-4.3%
Max EPS beat(2)1.27%
EPS beat(4)2
Avg EPS beat(4)-1.21%
Min EPS beat(4)-5.78%
Max EPS beat(4)3.95%
EPS beat(8)5
Avg EPS beat(8)2.58%
EPS beat(12)7
Avg EPS beat(12)7.1%
EPS beat(16)9
Avg EPS beat(16)4.93%
Revenue beat(2)2
Avg Revenue beat(2)0.54%
Min Revenue beat(2)0.25%
Max Revenue beat(2)0.82%
Revenue beat(4)3
Avg Revenue beat(4)0.21%
Min Revenue beat(4)-0.36%
Max Revenue beat(4)0.82%
Revenue beat(8)4
Avg Revenue beat(8)-1.19%
Revenue beat(12)5
Avg Revenue beat(12)-1.9%
Revenue beat(16)9
Avg Revenue beat(16)0.05%
PT rev (1m)0%
PT rev (3m)1.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.77%
EPS NY rev (1m)0%
EPS NY rev (3m)2.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.36 | ||
| Fwd PE | 8.71 | ||
| P/S | 3.02 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.66
EY9.65%
EPS(NY)1.97
Fwd EY11.48%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.7
BVpS17.27
TBVpS15.2
PEG (NY)1.74
PEG (5Y)0.63
Graham Number25.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 9.69% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.35% | ||
| GM | N/A | ||
| FCFM | 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
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-6.28%
PM growth 5Y8.57%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC16.72%
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)-5.14%
EPS 3Y-2.47%
EPS 5Y16.45%
EPS Q2Q%46.87%
EPS Next Y5.97%
EPS Next 2Y8.71%
EPS Next 3Y8.31%
EPS Next 5YN/A
Revenue 1Y (TTM)14.85%
Revenue growth 3Y13.15%
Revenue growth 5Y15.8%
Sales Q2Q%18.11%
Revenue Next Year19.52%
Revenue Next 2Y12.54%
Revenue Next 3Y10.46%
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-82.44%
FCF growth 3Y-3.9%
FCF growth 5YN/A
OCF growth 1Y-80.79%
OCF growth 3Y-0.49%
OCF growth 5YN/A
FIRST BANK/HAMILTON NJ / FRBA FAQ
What is the ChartMill fundamental rating of FIRST BANK/HAMILTON NJ (FRBA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to FRBA.
What is the valuation status for FRBA stock?
ChartMill assigns a valuation rating of 5 / 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 expected EPS growth for FIRST BANK/HAMILTON NJ (FRBA) stock?
The Earnings per Share (EPS) of FIRST BANK/HAMILTON NJ (FRBA) is expected to grow by 5.97% 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 3 / 10 and the dividend payout ratio is 3.61%.