FIRST BANK/HAMILTON NJ (FRBA) Stock Fundamental Analysis

NASDAQ:FRBA • US31931U1025

16.88 USD
0 (0%)
At close: Feb 20, 2026
16.88 USD
0 (0%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

FRBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 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

4

1. Profitability

1.1 Basic Checks

  • In the past year FRBA was profitable.
  • FRBA had positive earnings in each of the past 5 years.
  • FRBA had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • FRBA has a Return On Assets of 1.10%. This is in the better half of the industry: FRBA outperforms 70.08% of its industry peers.
  • The Return On Equity of FRBA (9.84%) is better than 61.94% of its industry peers.
Industry RankSector 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
FRBA Yearly ROA, ROE, ROICFRBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 29.66%, FRBA is in the better half of the industry, outperforming 76.90% 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 RankSector 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
FRBA Yearly Profit, Operating, Gross MarginsFRBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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
  • FRBA has a worse debt/assets ratio than last year.
FRBA Yearly Shares OutstandingFRBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
FRBA Yearly Total Debt VS Total AssetsFRBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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.
  • FRBA has a Debt to Equity ratio of 0.08. This is in the better half of the industry: FRBA outperforms 73.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.57%
FRBA Yearly LT Debt VS Equity VS FCFFRBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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%.
  • Measured over the past years, FRBA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.21% on average per year.
  • FRBA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.36%.
  • 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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FRBA Yearly Revenue VS EstimatesFRBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.70, the valuation of FRBA can be described as reasonable.
  • FRBA's Price/Earnings ratio is rather cheap when compared to the industry. FRBA is cheaper than 86.35% of the companies in the same industry.
  • FRBA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
  • A Price/Forward Earnings ratio of 8.57 indicates a reasonable valuation of FRBA.
  • Based on the Price/Forward Earnings ratio, FRBA is valued cheaply inside the industry as 88.19% of the companies are valued more expensively.
  • FRBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.7
Fwd PE 8.57
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)0.95
EPS Next 2Y10.42%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • FRBA has a Yearly Dividend Yield of 2.08%. Purely for dividend investing, there may be better candidates out there.
  • FRBA's Dividend Yield is slightly below the industry average, which is at 2.78.
  • FRBA's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.08%

5.2 History

  • FRBA has been paying a dividend for at least 10 years, so it has a reliable 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 Years7
FRBA Yearly Dividends per shareFRBA Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

DP0%
EPS Next 2Y10.42%
EPS Next 3YN/A
FRBA Yearly Income VS Free CF VS DividendFRBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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FIRST BANK/HAMILTON NJ

NASDAQ:FRBA (2/20/2026, 8:00:01 PM)

After market: 16.88 0 (0%)

16.88

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners49.35%
Inst Owner Change-1.04%
Ins Owners7.03%
Ins Owner ChangeN/A
Market Cap422.17M
Revenue(TTM)147.20M
Net Income(TTM)43.66M
Analysts82.5
Price Target20.15 (19.37%)
Short Float %0.57%
Short Ratio1.76
Dividend
Industry RankSector Rank
Dividend Yield 2.08%
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years7
Ex-Date02-06
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)1.28%
PT rev (3m)3.95%
EPS NQ rev (1m)1.09%
EPS NQ rev (3m)1.09%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)-0.26%
Revenue NQ rev (1m)-1.47%
Revenue NQ rev (3m)-1.47%
Revenue NY rev (1m)-2.03%
Revenue NY rev (3m)-2.03%
Valuation
Industry RankSector Rank
PE 9.7
Fwd PE 8.57
P/S 2.87
P/FCF N/A
P/OCF N/A
P/B 0.95
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)1.74
EY10.31%
EPS(NY)1.97
Fwd EY11.66%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.89
BVpS17.73
TBVpS15.68
PEG (NY)0.74
PEG (5Y)0.95
Graham Number26.35
Profitability
Industry RankSector 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 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
WACC16.57%
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%.