1st Constitution Bancorp (FCCY)
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% |
Analyst Forecasts
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 54.22 | 50.45 | 43.81 | 41.20 | 40.17 | 33.77 | 29.49 | 30.80 | 25.03 | 22.39 |
| Revenue Growth | 7.48% | 15.17% | 6.33% | 2.55% | 18.97% | 14.51% | -4.27% | 23.08% | 11.76% | - |
| Gross Profit | 54.22 | 50.45 | 43.81 | 41.20 | 40.17 | 33.77 | 29.49 | 30.80 | 25.03 | 22.39 |
| Operating Income | 18.67 | 16.37 | 12.80 | 13.91 | 12.73 | 5.43 | 8.07 | 7.03 | 5.22 | 4.57 |
| Net Income | 13.63 | 12.05 | 6.93 | 9.29 | 8.66 | 4.36 | 5.78 | 5.06 | 3.93 | 3.31 |
| Shares Outstanding | 8.88 | 8.32 | 8.05 | 7.96 | 7.90 | 7.74 | 6.27 | 6.08 | 5.85 | 5.81 |
| Earnings Per Share | 1.53 | 1.40 | 0.83 | 1.14 | 1.07 | 0.55 | 0.91 | 0.82 | 0.67 | 0.39 |
| EPS Growth | 9.29% | 68.67% | -27.19% | 6.54% | 94.55% | -39.23% | 10.91% | 21.61% | 72.49% | - |
| Dividend Per Share | 0.30 | 0.26 | 0.16 | 0.10 | - | - | - | - | - | - |
| Dividend Growth | 17.65% | 59.38% | 60% | - | - | - | - | - | - | - |
| Operating Cash Flow | 13.26 | 17.33 | 21.89 | 2.49 | 16.11 | 16.92 | 36.50 | -5.59 | 9.61 | 8.27 |
| Capital Expenditures | -0.16 | -0.65 | -0.85 | -0.52 | -0.71 | -0.49 | -0.22 | -1.10 | -0.54 | -1.86 |
| Free Cash Flow | 13.10 | 16.68 | 21.04 | 1.97 | 15.40 | 16.43 | 36.28 | -6.68 | 9.07 | 6.41 |
| Cash & Equivalents | 14.84 | 16.84 | 18.75 | 14.89 | 11.37 | 14.55 | 69.28 | 14.04 | 15.20 | 17.71 |
| Total Debt | 129 | 90.33 | 39.06 | 91.61 | 77.45 | 43.66 | 28.56 | 60.96 | 107 | 44.46 |
| Net Cash / Debt | -114 | -73.49 | -20.30 | -76.72 | -66.09 | -29.12 | 40.72 | -46.91 | -91.66 | -26.75 |
| Assets | 1,586 | 1,178 | 1,079 | 1,038 | 968 | 957 | 742 | 841 | 792 | 644 |
| Liabilities | 1,416 | 1,051 | 968 | 933 | 872 | 870 | 674 | 776 | 737 | 595 |
| Book Value | 171 | 127 | 112 | 105 | 95.96 | 87.11 | 68.36 | 65.05 | 55.00 | 49.68 |
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.