Stock Scorecard
Stock Summary for First Bank (NJ) (FRBA) - $15.21 as of 3/17/2026 1:16:39 PM EST
Total Score
15 out of 30
Safety Score
61 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for FRBA
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FRBA
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FRBA
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FRBA
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FRBA (61 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 8 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Financial Details for FRBA
Company Overview |
|
|---|---|
| Ticker | FRBA |
| Company Name | First Bank (NJ) |
| Country | USA |
| Description | First Bank offers various banking products and services to individuals, businesses and government entities. The company is headquartered in Hamilton, New Jersey. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/28/2026 |
Stock Price History |
|
| Last Day Price | 15.21 |
| Price 4 Years Ago | 12.97 |
| Last Day Price Updated | 3/17/2026 1:16:39 PM EST |
| Last Day Volume | 62,487 |
| Average Daily Volume | 71,797 |
| 52-Week High | 18.01 |
| 52-Week Low | 12.52 |
| Last Price to 52 Week Low | 21.49% |
Valuation Measures |
|
| Trailing PE | 9.15 |
| Industry PE | 18.41 |
| Sector PE | 35.43 |
| 5-Year Average PE | 8.11 |
| Free Cash Flow Ratio | 12.57 |
| Industry Free Cash Flow Ratio | 9.57 |
| Sector Free Cash Flow Ratio | 40.20 |
| Current Ratio Most Recent Quarter | 0.35 |
| Total Cash Per Share | 1.21 |
| Book Value Per Share Most Recent Quarter | 17.88 |
| Price to Book Ratio | 0.87 |
| Industry Price to Book Ratio | 1.09 |
| Sector Price to Book Ratio | 1.74 |
| Price to Sales Ratio Twelve Trailing Months | 2.77 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.15 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.51 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 24,800,200 |
| Market Capitalization | 377,211,042 |
| Institutional Ownership | 57.61% |
Dividends |
|
| Ex-Dividend Date | 2/6/2026 |
| Previous Dividend Amount | 0.0600 |
| Current Dividend Amount | 0.0900 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.27 |
| Trailing Annual Dividend Yield | 1.79% |
| Forward Annual Dividend Rate | 0.36 |
| Forward Annual Dividend Yield | 2.38% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 1.47% |
| 5-Year Average Dividend Yield | 1.69% |
| 1-Year Dividend Growth Rate Percentage | 50.00% |
| 3-Year Dividend Growth Rate Percentage | 22.47% |
| 5-Year Dividend Growth Rate Percentage | 10.67% |
| All-Time Dividend Growth Rate Percentage | 14.72% |
| Dividend Payout Ratio | 16.36% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 19.40% |
| Annual Earnings Growth | 3.35% |
| Reported EPS 12 Trailing Months | 1.65 |
| Reported EPS Past Year | 1.75 |
| Reported EPS Prior Year | 1.70 |
| Net Income Twelve Trailing Months | 43,659,000 |
| Net Income Past Year | 43,659,000 |
| Net Income Prior Year | 42,244,000 |
| Quarterly Revenue Growth YOY | 0.40% |
| 5-Year Revenue Growth | 20.90% |
| Operating Margin Twelve Trailing Months | 45.40% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 29,921,000 |
| Total Cash Past Year | 29,921,000 |
| Total Cash Prior Year | 258,387,000 |
| Net Cash Position Most Recent Quarter | -306,166,000 |
| Net Cash Position Past Year | -246,966,000 |
| Long Term Debt Past Year | 276,887,000 |
| Long Term Debt Prior Year | 276,887,000 |
| Total Debt Most Recent Quarter | 336,087,000 |
| Equity to Debt Ratio Past Year | 0.62 |
| Equity to Debt Ratio Most Recent Quarter | 0.57 |
| Total Stockholder Equity Past Year | 443,502,000 |
| Total Stockholder Equity Prior Year | 409,156,000 |
| Total Stockholder Equity Most Recent Quarter | 443,502,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 62,660,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.53 |
| Free Cash Flow Past Year | 62,660,000 |
| Free Cash Flow Prior Year | 24,717,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.67 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 3/16/2026 11:03:03 PM EST |