First Bank (NJ) (FRBA) — Titan Protect Analysis

FRBA

First Bank (NJ)

Financial · ·

$15.98

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$385M

Total market value of the company

Trailing P/E

9.20

Very cheap relative to earnings

Forward P/E

8.52

Based on estimated future earnings — lower means cheaper

Rev Growth

-5.2%

Year-over-year revenue change

Profit Margin

31.4%

How much profit the company keeps from each dollar of revenue

ROE

9.7%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$18.00

+13% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 3 analysts covering this stock

About First Bank (NJ)

First Bank provides various banking products and services to small and mid-sized businesses and individuals. It accepts various deposits, including non-interest- and interest-bearing demand deposits, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking and cash management accounts. The company also offers various loan products, such as commercial and industrial loans, which include line of credit, inventory, equipment, and short-term working capita

https://www.myfirstbank.com

Country: United States Employees: 327 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.727

Good returns relative to risk taken

Kelly Fraction

0.0389

Modest edge detected — smaller position warranted

Calmar Ratio

0.913

Acceptable balance between returns and drawdown risk

Annual Return

17.2%

Historical annualised return based on price data

Max Drawdown

-18.8%

Largest peak-to-trough decline — the worst it has been

HMM State

BULL

Statistical model sees bullish momentum

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.53

Less volatile than the market — more defensive

52W High

$18.11

12% below the year high

52W Low

$14.34

11% above the year low

Avg Volume

74,012

Average daily shares traded — higher means easier to buy and sell

Short Ratio

2.2

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

190.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$1.67

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

34.1%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$134M

Total revenue over the last 12 months

Net Income

$42M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$18.00

Target Median

$18.00

Target Low

$16.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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