First Bank (Hamilton, New Jersey) (FRBA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Carter Bankshares, Inc.

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Peoples Financial Services Corp.

Guaranty Bancshares, Inc. (Texas)

Macatawa Bank Corp.

MVB Financial Corp.

Sierra Bancorp

First Bank (Hamilton, New Jersey)

Bank of Marin Bancorp

Sterling Bancorp, Inc. (Michigan)

Why is First Bank (Hamilton, New Jersey) ?

The company has declared negative results in Mar'2026 after 2 consecutive positive quarters

GROSS NPA (%)(Q) Highest at 0.79%
OPERATING PROFIT(Q) Lowest at USD 9.9 MM
OPERATING PROFIT MARGIN(Q) Lowest at 17.72 %

Reducing Promoter Confidence

Promoters have decreased their stake in the company by -1.26% over the previous quarter and currently hold 9.91% of the company
Promoters decreasing their stake may signify reduced confidence in the future of the business

Underperformed the market in the last 1 year

The stock has generated a return of 11.39% in the last 1 year, much lower than market (S&P 500) returns of 22.24%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is First Bank (Hamilton, New Jersey) for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First Bank (Hamilton, New Jersey)

12.53%

1.74

25.18%

S&P 500

20.78%

1.67

13.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

21.53%

EBIT Growth (5y)

15.85%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

15.52%

Pledged Shares

Institutional Holding

67.87%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.94

EV to EBIT

6.45

EV to EBITDA

5.97

EV to Capital Employed

0.93

EV to Sales

1.45

PEG Ratio

2.85

Dividend Yield

1.99%

ROCE (Latest)

14.44%

ROE (Latest)

9.84%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

DIVIDEND PAYOUT RATIO(Y)

Highest at 29.66%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-11What is not working for the Company

GROSS NPA (%)

OPERATING PROFIT(Q)

Lowest at USD 9.9 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 17.72 %

PRE-TAX PROFIT(Q)

Lowest at USD 9.9 MM

NET PROFIT(Q)

Lowest at USD 7.65 MM

EPS(Q)

Lowest at USD 0.3

Here's what is working for First Bank (Hamilton, New Jersey)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 29.66%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for First Bank (Hamilton, New Jersey)

Pre-Tax Profit

At USD 9.9 MM has Fallen at -30.92%

over average net sales of the previous four periods of USD 14.33 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 7.65 MM has Fallen at -29.95%

over average net sales of the previous four periods of USD 10.91 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 0.79%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Profit

Lowest at USD 9.9 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 17.72 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 9.9 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 7.65 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.3

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)