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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.38
FCCY's Cash to Debt is ranked lower than
76% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. FCCY: 0.38 )
Ranked among companies with meaningful Cash to Debt only.
FCCY' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.34 Max: N/A
Current: 0.38
Equity to Asset 0.10
FCCY's Equity to Asset is ranked higher than
50% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCCY: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FCCY' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.1
0.07
0.1
Interest Coverage 2.71
FCCY's Interest Coverage is ranked higher than
64% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FCCY: 2.71 )
Ranked among companies with meaningful Interest Coverage only.
FCCY' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 0.78 Max: 2.75
Current: 2.71
0.22
2.75
F-Score: 5
M-Score: -2.41
WACC vs ROIC
4.08%
5.04%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 29.32
FCCY's Operating margin (%) is ranked lower than
53% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. FCCY: 29.32 )
Ranked among companies with meaningful Operating margin (%) only.
FCCY' s Operating margin (%) Range Over the Past 10 Years
Min: 12.14  Med: 20.83 Max: 39.86
Current: 29.32
12.14
39.86
Net-margin (%) 19.94
FCCY's Net-margin (%) is ranked lower than
59% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. FCCY: 19.94 )
Ranked among companies with meaningful Net-margin (%) only.
FCCY' s Net-margin (%) Range Over the Past 10 Years
Min: 11.32  Med: 14.81 Max: 26.77
Current: 19.94
11.32
26.77
ROE (%) 9.17
FCCY's ROE (%) is ranked higher than
56% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. FCCY: 9.17 )
Ranked among companies with meaningful ROE (%) only.
FCCY' s ROE (%) Range Over the Past 10 Years
Min: 3.26  Med: 7.97 Max: 16.41
Current: 9.17
3.26
16.41
ROA (%) 0.87
FCCY's ROA (%) is ranked higher than
50% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FCCY: 0.87 )
Ranked among companies with meaningful ROA (%) only.
FCCY' s ROA (%) Range Over the Past 10 Years
Min: 0.42  Med: 0.60 Max: 1.39
Current: 0.87
0.42
1.39
Revenue Growth (3Y)(%) 2.10
FCCY's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FCCY: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCCY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.9  Med: 10.50 Max: 115.6
Current: 2.1
0.9
115.6
EBITDA Growth (3Y)(%) 14.00
FCCY's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FCCY: 14.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCCY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.2  Med: 9.40 Max: 31.5
Current: 14
-27.2
31.5
EPS Growth (3Y)(%) 11.20
FCCY's EPS Growth (3Y)(%) is ranked higher than
61% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FCCY: 11.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCCY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.4  Med: 15.60 Max: 36.6
Current: 11.2
-31.4
36.6
» FCCY's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-06)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:ASBB, NAS:FCCO, NAS:SOCB, NAS:CIVB, OTCPK:FNCB, NAS:FBMS, NAS:JAXB, OTCPK:MNAT, NAS:ACFC, OTCPK:FRAF, NAS:SLCT, NAS:XBKS, NAS:OPOF, NAS:EVBS, NAS:CHEV, OTCPK:CWBB, OTCPK:ENBP, NAS:TCFC, NAS:CIZN, NAS:NWFL » details
Traded in other countries:1JB.Germany,
1st Constitution Bancorp, through its subsidiary, provides commercial and consumer banking services to individuals, families, institutions and small businesses in central New Jersey and the Fort Lee area of Bergen County.

1st Constitution Bancorp was organized under the laws of the State of New Jersey in February 1999. It is a bank holding company of 1st Constitution Bank or the Bank. The Bank is engaged in the business of commercial and retail banking. As a community bank, the Bank offers a wide range of services including demand, savings and time deposits and commercial and consumer/installment loans to individuals, small businesses and not-for-profit organizations mainly in the Fort Lee area of Bergen County and in Middlesex, Mercer and Somerset Counties, New Jersey. The Bank conducts its operations through its main office located in Cranbury, New Jersey, and operates eighteen additional branch offices in downtown Cranbury, Hamilton Square, Hightstown, Hillsborough, Hopewell, Jamesburg, Lawrenceville, Perth Amboy, Plainsboro, Skillman, West Windsor, Fort Lee, Princeton, Rumson, Fair Haven, Shrewsbury, Oceanport and Asbury Park, New Jersey. The Bank provides an array of commercial and consumer banking services to individuals, families, institutions and small businesses in central New Jersey and the Fort Lee area of Bergen County. The Bank is engaged in understanding the needs of the community and the customers and tailor products, services and advice to meet those needs. The Bank seeks to provide a high level of personalized banking services, emphasizing quick and flexible responses to customer demands. The Bank continually evaluates opportunities for branch bank expansion, either mini branches or full service branches, to continue to grow and meet the needs of the community. The Bank's lending activities include both commercial and consumer loans. Loan originations are derived from a number of sources including real estate broker referrals, mortgage loan companies, direct solicitation by the Bank's loan officers, existing depositors and borrowers, builders, attorneys, walk-in customers and, in some instances, other lenders. The Bank offers a variety of commercial loan services, including term loans, lines of credit, and loans secured by equipment and receivables. A portion of the Bank's lending activities consists of the origination of fixed and adjustable rate residential first mortgage loans secured by owner-occupied property located in the Bank's primary market areas. Non-residential consumer loans made by the Bank include loans for automobiles, recreation vehicles, and boats, as well as personal loans and deposit account secured loans. As a bank holding company, the Company is subject to inspection, examination and supervision by the Board of Governors of the Federal Reserve System.

Ratios

vs
industry
vs
history
P/E(ttm) 11.32
FCCY's P/E(ttm) is ranked higher than
55% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FCCY: 11.32 )
Ranked among companies with meaningful P/E(ttm) only.
FCCY' s P/E(ttm) Range Over the Past 10 Years
Min: 8.67  Med: 12.41 Max: 24.16
Current: 11.32
8.67
24.16
PE(NRI) 11.32
FCCY's PE(NRI) is ranked higher than
54% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FCCY: 11.32 )
Ranked among companies with meaningful PE(NRI) only.
FCCY' s PE(NRI) Range Over the Past 10 Years
Min: 8.55  Med: 12.44 Max: 23.69
Current: 11.32
8.55
23.69
Price/Owner Earnings (ttm) 8.53
FCCY's Price/Owner Earnings (ttm) is ranked higher than
66% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. FCCY: 8.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FCCY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.61  Med: 9.30 Max: 78.65
Current: 8.53
0.61
78.65
P/B 0.96
FCCY's P/B is ranked higher than
52% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. FCCY: 0.96 )
Ranked among companies with meaningful P/B only.
FCCY' s P/B Range Over the Past 10 Years
Min: 0.52  Med: 0.90 Max: 2.39
Current: 0.96
0.52
2.39
P/S 2.26
FCCY's P/S is ranked higher than
62% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FCCY: 2.26 )
Ranked among companies with meaningful P/S only.
FCCY' s P/S Range Over the Past 10 Years
Min: 1.08  Med: 2.01 Max: 15.59
Current: 2.26
1.08
15.59
PFCF 4.51
FCCY's PFCF is ranked higher than
72% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. FCCY: 4.51 )
Ranked among companies with meaningful PFCF only.
FCCY' s PFCF Range Over the Past 10 Years
Min: 1.69  Med: 5.26 Max: 1232
Current: 4.51
1.69
1232
POCF 4.41
FCCY's POCF is ranked higher than
70% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. FCCY: 4.41 )
Ranked among companies with meaningful POCF only.
FCCY' s POCF Range Over the Past 10 Years
Min: 1.68  Med: 5.75 Max: 117.21
Current: 4.41
1.68
117.21
EV-to-EBIT 9.41
FCCY's EV-to-EBIT is ranked higher than
67% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. FCCY: 9.41 )
Ranked among companies with meaningful EV-to-EBIT only.
FCCY' s EV-to-EBIT Range Over the Past 10 Years
Min: -10.4  Med: 15.30 Max: 63.9
Current: 9.41
-10.4
63.9
EV-to-EBITDA 7.93
FCCY's EV-to-EBITDA is ranked higher than
70% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. FCCY: 7.93 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9  Med: 13.90 Max: 58.2
Current: 7.93
-9
58.2
PEG 1.05
FCCY's PEG is ranked higher than
51% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FCCY: 1.05 )
Ranked among companies with meaningful PEG only.
FCCY' s PEG Range Over the Past 10 Years
Min: 0.52  Med: 1.36 Max: 543
Current: 1.05
0.52
543
Shiller P/E 15.98
FCCY's Shiller P/E is ranked higher than
51% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. FCCY: 15.98 )
Ranked among companies with meaningful Shiller P/E only.
FCCY' s Shiller P/E Range Over the Past 10 Years
Min: 7.19  Med: 12.41 Max: 17.37
Current: 15.98
7.19
17.37

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
FCCY's Price/Tangible Book is ranked lower than
54% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FCCY: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
FCCY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 1.13 Max: 2.46
Current: 1.12
0.58
2.46
Price/Projected FCF 0.49
FCCY's Price/Projected FCF is ranked higher than
67% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. FCCY: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
FCCY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.54 Max: 1.36
Current: 0.49
0.35
1.36
Price/Median PS Value 1.12
FCCY's Price/Median PS Value is ranked lower than
72% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. FCCY: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
FCCY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.6  Med: 1.06 Max: 7.04
Current: 1.12
0.6
7.04
Price/Peter Lynch Fair Value 1.27
FCCY's Price/Peter Lynch Fair Value is ranked lower than
72% of the 423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FCCY: 1.27 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCCY' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.55  Med: 1.34 Max: 2.92
Current: 1.27
0.55
2.92
Price/Graham Number 0.75
FCCY's Price/Graham Number is ranked higher than
54% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FCCY: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
FCCY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.51  Med: 0.84 Max: 1.36
Current: 0.75
0.51
1.36
Earnings Yield (Greenblatt) (%) 10.61
FCCY's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FCCY: 10.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCCY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 5.70 Max: 1346
Current: 10.61
1.6
1346
Forward Rate of Return (Yacktman) (%) 25.60
FCCY's Forward Rate of Return (Yacktman) (%) is ranked higher than
76% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. FCCY: 25.60 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCCY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -15.8  Med: 12.30 Max: 33.1
Current: 25.6
-15.8
33.1

More Statistics

Revenue (TTM) (Mil) $43.26
EPS (TTM) $ 1.06
Beta0.18
Short Percentage of Float0.43%
52-Week Range $10.76 - 13.30
Shares Outstanding (Mil)7.94
» More Articles for NAS:FCCY

Headlines

Articles On GuruFocus.com
Top 5 Insider Buys of the Week May 31 2013 
1st Constitution Bancorp Reports Operating Results (10-Q) Nov 15 2010 
1st Constitution Bancorp Reports Operating Results (10-Q) Aug 16 2010 

More From Other Websites
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1ST CONSTITUTION BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 12 2016
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