17.08 USD
+0.07 (+0.41%)
At close: Feb 5, 2026
17.08 USD
0 (0%)
After Hours: 2/5/2026, 8:28:29 PM
Overall FRBA gets a fundamental rating of 3 out of 10. We evaluated FRBA against 383 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year FRBA was profitable.
- FRBA had positive earnings in each of the past 5 years.
- Of the past 5 years FRBA 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.10%, FRBA is in the better half of the industry, outperforming 70.50% of the companies in the same industry.
- FRBA's Return On Equity of 9.84% is fine compared to the rest of the industry. FRBA outperforms 61.62% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 29.66%, FRBA is in the better half of the industry, outperforming 77.81% of the companies in the same industry.
- In the last couple of years the Profit Margin of FRBA has grown nicely.
- FRBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- FRBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, FRBA has less shares outstanding
- Compared to 5 years ago, FRBA has more shares outstanding
- Compared to 1 year ago, FRBA has a worse debt to assets ratio.
2.2 Solvency
- A Debt/Equity ratio of 0.08 indicates that FRBA is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.08, FRBA is in the better half of the industry, outperforming 73.37% 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
WACC16.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FRBA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.19%.
- The Earnings Per Share has been growing by 10.21% on average over the past years. This is quite good.
- Looking at the last year, FRBA shows a quite strong growth in Revenue. The Revenue has grown by 13.36% in the last year.
- Measured over the past years, FRBA shows a quite strong growth in Revenue. The Revenue has been growing by 14.16% on average per year.
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
- Based on estimates for the next years, FRBA will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.42% on average per year.
- FRBA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.84% yearly.
EPS Next Y13.14%
EPS Next 2Y10.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.82%
Revenue Next 2Y4.84%
Revenue Next 3YN/A
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 stable.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- FRBA is valuated reasonably with a Price/Earnings ratio of 9.82.
- Based on the Price/Earnings ratio, FRBA is valued cheaper than 87.99% of the companies in the same industry.
- FRBA is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 8.68, the valuation of FRBA can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FRBA indicates a rather cheap valuation: FRBA is cheaper than 88.77% of the companies listed in the same industry.
- FRBA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.82 | ||
| Fwd PE | 8.68 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.75
PEG (5Y)0.96
EPS Next 2Y10.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FRBA has a Yearly Dividend Yield of 2.15%.
- FRBA's Dividend Yield is slightly below the industry average, which is at 2.71.
- FRBA's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
5.2 History
- FRBA has been paying a dividend for at least 10 years, so it has a reliable 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
DP0%
EPS Next 2Y10.42%
EPS Next 3YN/A
17.08
+0.07 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26 2026-01-26/amc
Earnings (Next)04-20 2026-04-20
Inst Owners49.35%
Inst Owner Change-0.58%
Ins Owners7.03%
Ins Owner ChangeN/A
Market Cap427.17M
Revenue(TTM)147.20M
Net Income(TTM)43.66M
Analysts82.5
Price Target20.15 (17.97%)
Short Float %0.62%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years7
Ex-Date02-06 2026-02-06 (0.09)
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)2.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.76%
EPS NY rev (1m)0%
EPS NY rev (3m)2.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.82 | ||
| Fwd PE | 8.68 | ||
| 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)1.74
EY10.19%
EPS(NY)1.97
Fwd EY11.53%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.89
BVpS17.73
TBVpS15.68
PEG (NY)0.75
PEG (5Y)0.96
Graham Number26.35
Profitability
| Industry Rank | Sector 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 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
WACC16.69%
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 Y13.14%
EPS Next 2Y10.42%
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 Year3.82%
Revenue Next 2Y4.84%
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 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 of FIRST BANK/HAMILTON NJ (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 earnings growth outlook for FIRST BANK/HAMILTON NJ?
The Earnings per Share (EPS) of FIRST BANK/HAMILTON NJ (FRBA) is expected to grow by 13.14% 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 0%.