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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 0.16
FCCY's Cash-to-Debt is ranked lower than
90% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. FCCY: 0.16 )
Ranked among companies with meaningful Cash-to-Debt only.
FCCY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.31 Max: N/A
Current: 0.16
Equity-to-Asset 0.10
FCCY's Equity-to-Asset is ranked higher than
50% of the 1614 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 2.70
FCCY's Interest Coverage is ranked higher than
64% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FCCY: 2.70 )
Ranked among companies with meaningful Interest Coverage only.
FCCY' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 0.97 Max: 2.75
Current: 2.7
0.22
2.75
Piotroski F-Score: 3
Beneish M-Score: -2.30
WACC vs ROIC
4.97%
5.02%
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 % 32.66
FCCY's Operating Margin % is ranked higher than
54% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. FCCY: 32.66 )
Ranked among companies with meaningful Operating Margin % only.
FCCY' s Operating Margin % Range Over the Past 10 Years
Min: 12.14  Med: 20.84 Max: 39.86
Current: 32.66
12.14
39.86
Net Margin % 21.80
FCCY's Net Margin % is ranked lower than
52% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. FCCY: 21.80 )
Ranked among companies with meaningful Net Margin % only.
FCCY' s Net Margin % Range Over the Past 10 Years
Min: 11.02  Med: 14.81 Max: 26.77
Current: 21.8
11.02
26.77
ROE % 9.19
FCCY's ROE % is ranked higher than
55% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. FCCY: 9.19 )
Ranked among companies with meaningful ROE % only.
FCCY' s ROE % Range Over the Past 10 Years
Min: 3.26  Med: 7.97 Max: 14.29
Current: 9.19
3.26
14.29
ROA % 0.91
FCCY's ROA % is ranked higher than
51% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCCY: 0.91 )
Ranked among companies with meaningful ROA % only.
FCCY' s ROA % Range Over the Past 10 Years
Min: 0.42  Med: 0.6 Max: 1.32
Current: 0.91
0.42
1.32
3-Year Revenue Growth Rate 4.70
FCCY's 3-Year Revenue Growth Rate is ranked higher than
53% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FCCY: 4.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FCCY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.4  Med: 8.8 Max: 121.6
Current: 4.7
0.4
121.6
3-Year EBITDA Growth Rate 7.80
FCCY's 3-Year EBITDA Growth Rate is ranked higher than
58% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FCCY: 7.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FCCY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -27.2  Med: 8.7 Max: 33.6
Current: 7.8
-27.2
33.6
3-Year EPS without NRI Growth Rate 9.80
FCCY's 3-Year EPS without NRI Growth Rate is ranked higher than
58% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FCCY: 9.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FCCY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -28.6  Med: 11.3 Max: 38.7
Current: 9.8
-28.6
38.7
GuruFocus has detected 7 Warning Signs with 1st Constitution Bancorp $FCCY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FCCY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

FCCY Guru Trades in

FCCY Guru Trades in

FCCY Guru Trades in

Q4 2016

FCCY Guru Trades in Q4 2016

Jim Simons 54,600 sh (New)
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» Details

Insider Trades

Latest Guru Trades with FCCY

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 551111    SIC: 6035
Compare:OTCPK:HCFB, NAS:TCFC, NAS:TRCB, NAS:PKBK, NAS:PEBK, OTCPK:BERK, NAS:DNBF, NAS:CLBH, NAS:OPOF, NAS:NWFL, NAS:EVBS, OTCPK:CWBB, NAS:FCCO, OTCBB:FKYS, NAS:BOCH, OTCBB:DCBF, NAS:SMBK, NAS:CFNB, NAS:BCBP, NAS:OVBC » 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
PE Ratio 16.49
FCCY's PE Ratio is ranked lower than
62% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. FCCY: 16.49 )
Ranked among companies with meaningful PE Ratio only.
FCCY' s PE Ratio Range Over the Past 10 Years
Min: 8.68  Med: 12.51 Max: 25.04
Current: 16.49
8.68
25.04
PE Ratio without NRI 16.49
FCCY's PE Ratio without NRI is ranked lower than
60% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. FCCY: 16.49 )
Ranked among companies with meaningful PE Ratio without NRI only.
FCCY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.55  Med: 12.43 Max: 24.64
Current: 16.49
8.55
24.64
Price-to-Owner-Earnings 13.41
FCCY's Price-to-Owner-Earnings is ranked higher than
55% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. FCCY: 13.41 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FCCY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.61  Med: 8.65 Max: 113.61
Current: 13.41
0.61
113.61
PB Ratio 1.43
FCCY's PB Ratio is ranked lower than
64% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FCCY: 1.43 )
Ranked among companies with meaningful PB Ratio only.
FCCY' s PB Ratio Range Over the Past 10 Years
Min: 0.52  Med: 0.9 Max: 2.14
Current: 1.43
0.52
2.14
PS Ratio 3.57
FCCY's PS Ratio is ranked lower than
55% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. FCCY: 3.57 )
Ranked among companies with meaningful PS Ratio only.
FCCY' s PS Ratio Range Over the Past 10 Years
Min: 1.08  Med: 2 Max: 15.59
Current: 3.57
1.08
15.59
Price-to-Free-Cash-Flow 33.58
FCCY's Price-to-Free-Cash-Flow is ranked lower than
86% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. FCCY: 33.58 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FCCY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.69  Med: 5.36 Max: 1232
Current: 33.58
1.69
1232
Price-to-Operating-Cash-Flow 31.39
FCCY's Price-to-Operating-Cash-Flow is ranked lower than
88% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. FCCY: 31.39 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FCCY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.68  Med: 6.41 Max: 117.21
Current: 31.39
1.68
117.21
EV-to-EBIT 15.19
FCCY's EV-to-EBIT is ranked lower than
60% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. FCCY: 15.19 )
Ranked among companies with meaningful EV-to-EBIT only.
FCCY' s EV-to-EBIT Range Over the Past 10 Years
Min: -10.4  Med: 15.4 Max: 63.9
Current: 15.19
-10.4
63.9
EV-to-EBITDA 14.19
FCCY's EV-to-EBITDA is ranked lower than
61% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. FCCY: 14.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9  Med: 13.6 Max: 58.2
Current: 14.19
-9
58.2
PEG Ratio 1.76
FCCY's PEG Ratio is ranked lower than
57% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. FCCY: 1.76 )
Ranked among companies with meaningful PEG Ratio only.
FCCY' s PEG Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.39 Max: 554.67
Current: 1.76
0.5
554.67
Shiller PE Ratio 24.67
FCCY's Shiller PE Ratio is ranked lower than
60% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. FCCY: 24.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
FCCY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.29  Med: 12.93 Max: 25.97
Current: 24.67
7.29
25.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.54
FCCY's Dividend Yield % is ranked lower than
96% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FCCY: 0.54 )
Ranked among companies with meaningful Dividend Yield % only.
FCCY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.32  Med: 0.39 Max: 0.63
Current: 0.54
0.32
0.63
Dividend Payout Ratio 0.05
FCCY's Dividend Payout Ratio is ranked higher than
98% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCCY: 0.05 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FCCY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.09 Max: 0.09
Current: 0.05
0.05
0.09
Forward Dividend Yield % 1.08
FCCY's Forward Dividend Yield % is ranked lower than
89% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FCCY: 1.08 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.53
FCCY's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. FCCY: 0.53 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FCCY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.32  Med: 0.39 Max: 0.63
Current: 0.53
0.32
0.63
3-Year Average Share Buyback Ratio -6.40
FCCY's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. FCCY: -6.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCCY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.3  Med: -1.3 Max: 0.2
Current: -6.4
-8.3
0.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.61
FCCY's Price-to-Tangible-Book is ranked lower than
66% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FCCY: 1.61 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FCCY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.61  Med: 1.32 Max: 2.35
Current: 1.61
0.61
2.35
Price-to-Intrinsic-Value-Projected-FCF 0.76
FCCY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
54% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FCCY: 0.76 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FCCY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.53 Max: 1.24
Current: 0.76
0.38
1.24
Price-to-Median-PS-Value 1.79
FCCY's Price-to-Median-PS-Value is ranked lower than
89% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FCCY: 1.79 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FCCY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.6  Med: 1.33 Max: 4.31
Current: 1.79
0.6
4.31
Price-to-Peter-Lynch-Fair-Value 1.64
FCCY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
67% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FCCY: 1.64 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FCCY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.4 Max: 2
Current: 1.64
0.53
2
Price-to-Graham-Number 1.09
FCCY's Price-to-Graham-Number is ranked lower than
60% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FCCY: 1.09 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FCCY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 0.9 Max: 1.3
Current: 1.09
0.51
1.3
Earnings Yield (Greenblatt) % 6.63
FCCY's Earnings Yield (Greenblatt) % is ranked higher than
55% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FCCY: 6.63 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FCCY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.6  Med: 6 Max: 1346
Current: 6.63
1.6
1346
Forward Rate of Return (Yacktman) % 17.88
FCCY's Forward Rate of Return (Yacktman) % is ranked higher than
68% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. FCCY: 17.88 )
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: 13 Max: 34.2
Current: 17.88
-15.8
34.2

More Statistics

Revenue (TTM) (Mil) $42.59
EPS (TTM) $ 1.13
Beta0.40
Short Percentage of Float0.13%
52-Week Range $11.50 - 20.85
Shares Outstanding (Mil)7.99
» More Articles for 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
Why 1st Constitution Bancorp (FCCY) Stock Might be a Great Pick Feb 23 2017
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1ST CONSTITUTION BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 02 2017
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1ST CONSTITUTION BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 16 2016
1ST Constitution Bancorp Declares Cash Dividend of $0.05 Per Common Share Dec 16 2016
1st Constitution Bancorp (FCCY): Strong Industry, Solid Earnings Estimate Revisions Nov 25 2016
1ST CONSTITUTION BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Nov 23 2016
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