ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Bank (Hamilton, New Jersey) ?
1
High Profitability with a Net Interest Margin of 14.16%
2
Healthy long term growth as Net profit has grown by an annual rate of 17.55%
3
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
4
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 6.34%, its profits have risen by 3.4% ; the PEG ratio of the company is 2.8
5
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 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)
2.08%
1.34
26.02%
S&P 500
30.63%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.53%
EBIT Growth (5y)
16.23%
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
15.52%
Pledged Shares
0
Institutional Holding
68.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
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 
Financial Trend12What 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 (%)
(Q
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 periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 16.59 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.5 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 16.59 MM
in the last five periodsMOJO 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 periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.49
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 18.37%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 10.67%
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 0.56%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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