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1st Constitution Bancorp (FCCY)

Stock Price: $16.50 USD -0.25 (-1.49%)
Updated November 27, 1:00 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap 168.93M
Revenue (ttm) 61.94M
Net Income (ttm) 15.27M
Shares Out 10.24M
EPS (ttm) 1.52
PE Ratio 10.86
Forward PE n/a
Dividend $0.36
Dividend Yield 2.18%

Stock Quote

Trading Day November 27
Last Price $16.50
Previous Close $16.75
Change ($) -0.25
Change (%) -1.49%
Day's Open 16.95
Day's Range 16.29 - 16.95
Day's Volume 6,708
52-Week Range 9.01 - 22.91

More Stats

Market Cap 168.93M
Enterprise Value 291.01M
Earnings Date (est) Feb 4, 2021
Ex-Dividend Date Nov 9, 2020
Shares Outstanding 10.24M
Float 8.95M
EPS (basic) 1.52
EPS (diluted) 1.52
FCF / Share -0.56
Dividend $0.36
Dividend Yield 2.18%
Earnings Yield 9.21%
FCF Yield n/a
Payout Ratio 22.70%
Shares Short 40,859
Short Ratio 2.60
Short % of Float 0.46%
Beta 0.54
PE Ratio 10.86
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 2.73
PB Ratio 0.88
Revenue 61.94M
Operating Income 20.90M
Net Income 15.27M
Free Cash Flow -5.77M
Net Cash -122.08M
Net Cash / Share -11.92
Gross Margin 87.54%
Operating Margin 33.74%
Profit Margin 24.60%
FCF Margin -9.32%
ROA 0.96%
ROE 9.52%
ROIC 1.20%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$15.50*
(-6.06% downside)
Low
15.0
Current: $16.50
High
16.0
Target: 15.50
*Average 12-month price target from 2 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue54.2250.4543.8141.2040.1733.7729.4930.8025.0322.39
Revenue Growth7.48%15.17%6.33%2.55%18.97%14.51%-4.27%23.08%11.76%-
Gross Profit54.2250.4543.8141.2040.1733.7729.4930.8025.0322.39
Operating Income18.6716.3712.8013.9112.735.438.077.035.224.57
Net Income13.6312.056.939.298.664.365.785.063.933.31
Shares Outstanding8.888.328.057.967.907.746.276.085.855.81
Earnings Per Share1.531.400.831.141.070.550.910.820.670.39
EPS Growth9.29%68.67%-27.19%6.54%94.55%-39.23%10.91%21.61%72.49%-
Dividend Per Share0.300.260.160.10------
Dividend Growth17.65%59.38%60%-------
Operating Cash Flow13.2617.3321.892.4916.1116.9236.50-5.599.618.27
Capital Expenditures-0.16-0.65-0.85-0.52-0.71-0.49-0.22-1.10-0.54-1.86
Free Cash Flow13.1016.6821.041.9715.4016.4336.28-6.689.076.41
Cash & Equivalents14.8416.8418.7514.8911.3714.5569.2814.0415.2017.71
Total Debt12990.3339.0691.6177.4543.6628.5660.9610744.46
Net Cash / Debt-114-73.49-20.30-76.72-66.09-29.1240.72-46.91-91.66-26.75
Assets1,5861,1781,0791,038968957742841792644
Liabilities1,4161,051968933872870674776737595
Book Value17112711210595.9687.1168.3665.0555.0049.68
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name 1st Constitution Bancorp
Country United States
Employees 221
CEO Robert F. Mangano

Stock Information

Ticker Symbol FCCY
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: FCCY

Description

1st Constitution Bancorp operates as the bank holding company for 1st Constitution Bank that provides commercial and retail banking products and services in the central, coastal, and northeastern areas of New Jersey. The company offers deposit products, including interest bearing demand deposits, such as interest-bearing checking accounts, money market accounts, and NOW accounts; and non-interest bearing demand, savings, and time deposits, as well as certificate of deposits. It also provides commercial loans, including term loans, lines of credit, and loans secured by equipment and receivables; secured and unsecured short-to-medium term commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery; and commercial construction financing to real estate developers for the acquisition, development, and construction of residential and commercial properties. In addition, the company offers residential first mortgage loans secured by owner-occupied property; construction loans; reverse mortgages; second mortgage home improvement loans; home equity lines of credit; and non-residential consumer loans for automobiles, recreation vehicles, and boats, as well as secured and unsecured personal loans, and deposit account secured loans, as well as online and mobile banking services. It serves corporations, individuals, partnerships, and other community organizations, as well as small businesses and not-for-profit organizations. As of October 23, 2020, the company operated 26 branches in Asbury Park, Cranbury, Fair Haven, Fort Lee, Freehold, Hamilton, Hightstown, Hillsborough, Hopewell, Jackson, Jamesburg, Lawrenceville, Little Silver, Long Branch, Manahawkin, Neptune City, Perth Amboy, Plainsboro, Princeton, Rocky Hill, Rumson, Shrewsbury, and Toms River, New Jersey. 1st Constitution Bancorp was founded in 1989 and is based in Cranbury, New Jersey.