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

MidWestOne Financial Group, Inc.

CapStar Financial Holdings, Inc.

Peoples Financial Services Corp.

First Bank (Hamilton, New Jersey)

Guaranty Bancshares, Inc. (Texas)

Sierra Bancorp

Macatawa Bank Corp.

Carter Bankshares, Inc.

MVB Financial Corp.

Bank of Marin Bancorp

Sterling Bancorp, Inc. (Michigan)

Why is First Bank (Hamilton, New Jersey) ?

High Profitability with a Net Interest Margin of 14.16%

Healthy long term growth as Net profit has grown by an annual rate of 17.55%

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

NII(Q) Highest at USD 36.18 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 18.37%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.85%, it has a attractive valuation with a 0.91 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 6.23%, its profits have risen by 3.4% ; the PEG ratio of the company is 2.8

Reducing Promoter Confidence

Promoters have decreased their stake in the company by -0.86% over the previous quarter and currently hold 11.17% of the company
Promoters decreasing their stake may signify reduced confidence in the future of the business

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Bank (Hamilton, New Jersey) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

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

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

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

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

First Bank (Hamilton, New Jersey)

6.23%

1.36

26.06%

S&P 500

13.68%

0.71

19.28%

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)

16.23%

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

68.01%

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

0.91

EV to EBIT

6.18

EV to EBITDA

5.84

EV to Capital Employed

0.89

EV to Sales

1.41

PEG Ratio

2.75

Dividend Yield

2.07%

ROCE (Latest)

14.45%

ROE (Latest)

9.84%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

No Trend

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

12What is working for the Company

NII(Q)

Highest at USD 36.18 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 18.37%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 16.59 MM

OPERATING PROFIT MARGIN(Q)

Highest at 27.5 %

PRE-TAX PROFIT(Q)

Highest at USD 16.59 MM

NET PROFIT(Q)

Highest at USD 12.32 MM

EPS(Q)

Highest at USD 0.49

-2What is not working for the Company

GROSS NPA (%)

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

NII

Highest at USD 36.18 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 16.59 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 27.5 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 16.59 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 12.32 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.49

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

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 18.37%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 10.67%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

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

Non Performing Loans (%)

Highest at 0.56%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)