ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Bank (Hamilton, New Jersey) ?
1
High Profitability with a Net Interest Margin of 14.68%
2
Healthy long term growth as Net profit has grown by an annual rate of 18.55%
3
Positive results in Jun 25
- NII(Q) Highest at USD 34.01 MM
- CASH AND EQV(HY) Highest at USD 90.07 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 105.02%
4
With ROA of 0.62%, it has a fair valuation with a 0.95 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 7.51%, its profits have risen by 15.4% ; the PEG ratio of the company is 0.6
5
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -1.18% over the previous quarter and currently hold 12.87% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow 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)
5.0%
1.45
25.51%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.96%
EBIT Growth (5y)
16.67%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.36%
Pledged Shares
0
Institutional Holding
58.23%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.95
EV to EBIT
7.89
EV to EBITDA
7.23
EV to Capital Employed
0.95
EV to Sales
1.68
PEG Ratio
0.63
Dividend Yield
1.54%
ROCE (Latest)
11.99%
ROE (Latest)
9.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at USD 34.01 MM
CASH AND EQV(HY)
Highest at USD 90.07 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 105.02%
NET SALES(Q)
Highest at USD 59.17 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 18.87 MM
GROSS NPA (%)
(Q
Here's what is working for First Bank (Hamilton, New Jersey)
NII
Highest at USD 34.01 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 59.17 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 90.07 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 105.02%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 9.96%
in the last five periodsMOJO 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 0.48%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 18.87 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
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