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FIRST BANK/HAMILTON NJ (FRBA) Stock Fundamental Analysis

NASDAQ:FRBA - Nasdaq - US31931U1025 - Common Stock - Currency: USD

14.85  -0.25 (-1.66%)

After market: 14.85 0 (0%)

Fundamental Rating

3

FRBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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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.
Of the past 5 years FRBA 4 years 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 has a better Return On Assets (1.12%) than 75.94% of its industry peers.
FRBA's Return On Equity of 10.32% is fine compared to the rest of the industry. FRBA outperforms 75.19% of its industry peers.
Industry RankSector Rank
ROA 1.12%
ROE 10.32%
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

With an excellent Profit Margin value of 32.53%, FRBA belongs to the best of the industry, outperforming 87.72% of the companies in the same industry.
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) 32.53%
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

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1

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.
FRBA has more shares outstanding than it did 5 years ago.
FRBA has a better debt/assets ratio than last year.
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 0.07 indicates that FRBA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.07, FRBA is in the better half of the industry, outperforming 78.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.77%
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

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.21% over the past year.
The Earnings Per Share has been growing by 16.45% on average over the past years. This is quite good.
The Revenue has grown by 25.10% in the past year. This is a very strong growth!
The Revenue has been growing by 15.80% on average over the past years. This is quite good.
EPS 1Y (TTM)1.21%
EPS 3Y-2.47%
EPS 5Y16.45%
EPS Q2Q%-16.33%
Revenue 1Y (TTM)25.1%
Revenue growth 3Y13.15%
Revenue growth 5Y15.8%
Sales Q2Q%1.92%

3.2 Future

The Earnings Per Share is expected to grow by 4.46% on average over the next years.
Based on estimates for the next years, FRBA will show a small growth in Revenue. The Revenue will grow by 6.53% on average per year.
EPS Next Y0.78%
EPS Next 2Y4.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.8%
Revenue Next 2Y6.53%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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 50M 100M
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 0.5 1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.89 indicates a reasonable valuation of FRBA.
FRBA's Price/Earnings ratio is rather cheap when compared to the industry. FRBA is cheaper than 89.47% of the companies in the same industry.
FRBA is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.82, 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 86.22% of the companies listed in the same industry.
FRBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.89
Fwd PE 8.82
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)11.42
PEG (5Y)0.54
EPS Next 2Y4.46%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

FRBA has a Yearly Dividend Yield of 1.59%. Purely for dividend investing, there may be better candidates out there.
FRBA's Dividend Yield is slightly below the industry average, which is at 3.19.
FRBA's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector 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.
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 0.05 0.1 0.15 0.2

5.3 Sustainability

DP0%
EPS Next 2Y4.46%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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FIRST BANK/HAMILTON NJ

NASDAQ:FRBA (2/21/2025, 8:21:30 PM)

After market: 14.85 0 (0%)

14.85

-0.25 (-1.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-21 2025-04-21/amc
Inst Owners48.91%
Inst Owner Change-96.83%
Ins Owners6.61%
Ins Owner ChangeN/A
Market Cap373.92M
Analysts82.22
Price Target18.02 (21.35%)
Short Float %0.26%
Short Ratio1.08
Dividend
Industry RankSector Rank
Dividend Yield 1.59%
Yearly Dividend0.24
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years7
Ex-Date02-07 2025-02-07 (0.06)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.13%
Min EPS beat(2)-22.22%
Max EPS beat(2)3.95%
EPS beat(4)3
Avg EPS beat(4)1.57%
Min EPS beat(4)-22.22%
Max EPS beat(4)16.71%
EPS beat(8)6
Avg EPS beat(8)13.72%
EPS beat(12)8
Avg EPS beat(12)7.9%
EPS beat(16)11
Avg EPS beat(16)9.05%
Revenue beat(2)1
Avg Revenue beat(2)-3.19%
Min Revenue beat(2)-6.5%
Max Revenue beat(2)0.12%
Revenue beat(4)1
Avg Revenue beat(4)-3.24%
Min Revenue beat(4)-6.5%
Max Revenue beat(4)0.12%
Revenue beat(8)3
Avg Revenue beat(8)-2.47%
Revenue beat(12)6
Avg Revenue beat(12)-0.54%
Revenue beat(16)10
Avg Revenue beat(16)1.57%
PT rev (1m)0%
PT rev (3m)-3.64%
EPS NQ rev (1m)0.86%
EPS NQ rev (3m)-7.39%
EPS NY rev (1m)1.56%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)-4.7%
Revenue NY rev (1m)2.42%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 8.89
Fwd PE 8.82
P/S 2.88
P/FCF N/A
P/OCF N/A
P/B 0.91
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)1.67
EY11.25%
EPS(NY)1.68
Fwd EY11.33%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.16
BVpS16.25
TBVpS14.14
PEG (NY)11.42
PEG (5Y)0.54
Profitability
Industry RankSector Rank
ROA 1.12%
ROE 10.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.53%
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
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-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.07
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
WACC15.77%
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)1.21%
EPS 3Y-2.47%
EPS 5Y16.45%
EPS Q2Q%-16.33%
EPS Next Y0.78%
EPS Next 2Y4.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.1%
Revenue growth 3Y13.15%
Revenue growth 5Y15.8%
Sales Q2Q%1.92%
Revenue Next Year6.8%
Revenue Next 2Y6.53%
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