Logo image of FRBA

FIRST BANK/HAMILTON NJ (FRBA) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FRBA - US31931U1025 - Common Stock

16.51 USD
-0.02 (-0.12%)
Last: 12/30/2025, 5:22:56 PM
16.51 USD
0 (0%)
After Hours: 12/30/2025, 5:22:56 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FRBA. FRBA was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of FRBA while its profitability can be described as average. FRBA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

FRBA had positive earnings in the past year.
In the past 5 years FRBA has always been profitable.
Each year in the past 5 years FRBA had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

1.2 Ratios

FRBA's Return On Assets of 1.04% is fine compared to the rest of the industry. FRBA outperforms 63.92% of its industry peers.
FRBA has a better Return On Equity (9.69%) than 60.82% of its industry peers.
Industry RankSector 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
FRBA Yearly ROA, ROE, ROICFRBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FRBA has a better Profit Margin (29.35%) than 76.29% 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) 29.35%
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
FRBA Yearly Profit, Operating, Gross MarginsFRBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

1

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.
FRBA Yearly Shares OutstandingFRBA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
FRBA Yearly Total Debt VS Total AssetsFRBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

A Debt/Equity ratio of 0.08 indicates that FRBA is not too dependend on debt financing.
FRBA has a better Debt to Equity ratio (0.08) than 72.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.86%
FRBA Yearly LT Debt VS Equity VS FCFFRBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

More info and screens

5

3. Growth

3.1 Past

The earnings per share for FRBA have decreased by -5.14% 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 16.45% yearly.
Looking at the last year, FRBA shows a quite strong growth in Revenue. The Revenue has grown by 14.85% in the last year.
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

FRBA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.31% yearly.
Based on estimates for the next years, FRBA will show a quite strong growth in Revenue. The Revenue will grow by 10.46% on average per year.
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.
FRBA Yearly Revenue VS EstimatesFRBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

FRBA is valuated reasonably with a Price/Earnings ratio of 9.95.
FRBA's Price/Earnings ratio is rather cheap when compared to the industry. FRBA is cheaper than 82.47% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.77, FRBA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.36, the valuation of FRBA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FRBA indicates a rather cheap valuation: FRBA is cheaper than 84.54% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FRBA to the average of the S&P500 Index (23.35), we can say FRBA is valued rather cheaply.
Industry RankSector Rank
PE 9.95
Fwd PE 8.36
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

FRBA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.67
PEG (5Y)0.6
EPS Next 2Y8.71%
EPS Next 3Y8.31%

More info and screens

3

5. Dividend

5.1 Amount

FRBA has a Yearly Dividend Yield of 1.41%. Purely for dividend investing, there may be better candidates out there.
FRBA's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to the average S&P500 Dividend Yield of 2.00, FRBA is paying slightly less dividend.
Industry RankSector 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
FRBA Yearly Dividends per shareFRBA Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

3.61% of the earnings are spent on dividend by FRBA. This is a low number and sustainable payout ratio.
DP3.61%
EPS Next 2Y8.71%
EPS Next 3Y8.31%
FRBA Yearly Income VS Free CF VS DividendFRBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
FRBA Dividend Payout.FRBA Dividend Payout, showing the Payout Ratio.FRBA Dividend Payout.PayoutRetained Earnings

More info and screens

FIRST BANK/HAMILTON NJ

NASDAQ:FRBA (12/30/2025, 5:22:56 PM)

After market: 16.51 0 (0%)

16.51

-0.02 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners49.35%
Inst Owner Change15.34%
Ins Owners7.04%
Ins Owner ChangeN/A
Market Cap412.92M
Revenue(TTM)142.51M
Net Income(TTM)41.83M
Analysts82.5
Price Target19.89 (20.47%)
Short Float %0.6%
Short Ratio2.3
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP3.61%
Div Incr Years0
Div Non Decr Years7
Ex-Date11-07 2025-11-07 (0.06)
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)2.63%
PT rev (3m)4.46%
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 RankSector Rank
PE 9.95
Fwd PE 8.36
P/S 2.9
P/FCF N/A
P/OCF N/A
P/B 0.96
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)1.66
EY10.05%
EPS(NY)1.97
Fwd EY11.95%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.7
BVpS17.27
TBVpS15.2
PEG (NY)1.67
PEG (5Y)0.6
Graham Number25.4
Profitability
Industry RankSector 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 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
WACC16.86%
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%.