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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
89% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 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
51% of the 1496 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
63% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 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
Beneish M-Score: -2.41
WACC vs ROIC
4.94%
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 : 5/10

vs
industry
vs
history
Operating Margin % 32.66
FCCY's Operating Margin % is ranked higher than
56% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 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
51% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 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
58% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 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
54% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 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
55% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 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: -0.2  Med: 8.8 Max: 121.6
Current: 4.7
-0.2
121.6
3-Year EBITDA Growth Rate 11.30
FCCY's 3-Year EBITDA Growth Rate is ranked higher than
65% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FCCY: 11.30 )
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: 8.9 Max: 33.6
Current: 11.3
-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 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 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 5 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 (Next Earnings Date: 2017-07-22 Est.)


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)
» More
» Details

Insider Trades

Latest Guru Trades with FCCY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 551111    SIC: 6035
Compare:OTCPK:TGRF, NAS:OPOF, NAS:PKBK, NAS:ENFC, OTCBB:FKYS, NAS:FCCO, NAS:BOCH, NAS:DNBF, NAS:PEBK, NAS:CLBH, OTCPK:BERK, NAS:TRCB, NAS:CFFI, NAS:EVBS, NAS:ISTR, NAS:NWFL, NAS:SBCP, NAS:CFNB, OTCPK:CWBB, NAS:TCFC » 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.

Headquartered in central New Jersey, 1st Constitution is a small community bank with just 11 branch locations. Principally concentrated in construction and commercial lending, the bank has approximately $383 million in loans and $415 million in deposits.

Ratios

vs
industry
vs
history
PE Ratio 15.93
FCCY's PE Ratio is ranked lower than
63% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. FCCY: 15.93 )
Ranked among companies with meaningful PE Ratio only.
FCCY' s PE Ratio Range Over the Past 10 Years
Min: 8.68  Med: 12.41 Max: 25.04
Current: 15.93
8.68
25.04
PE Ratio without NRI 15.93
FCCY's PE Ratio without NRI is ranked lower than
59% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FCCY: 15.93 )
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: 12.32 Max: 24.64
Current: 15.93
8.55
24.64
Price-to-Owner-Earnings 15.00
FCCY's Price-to-Owner-Earnings is ranked lower than
55% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. FCCY: 15.00 )
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: 8.7 Max: 113.61
Current: 15
0.61
113.61
PB Ratio 1.36
FCCY's PB Ratio is ranked lower than
64% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FCCY: 1.36 )
Ranked among companies with meaningful PB Ratio only.
FCCY' s PB Ratio Range Over the Past 10 Years
Min: 0.52  Med: 0.89 Max: 2
Current: 1.36
0.52
2
PS Ratio 3.45
FCCY's PS Ratio is ranked lower than
54% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. FCCY: 3.45 )
Ranked among companies with meaningful PS Ratio only.
FCCY' s PS Ratio Range Over the Past 10 Years
Min: 1.08  Med: 1.99 Max: 13.14
Current: 3.45
1.08
13.14
Price-to-Free-Cash-Flow 66.43
FCCY's Price-to-Free-Cash-Flow is ranked lower than
95% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FCCY: 66.43 )
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: 5.51 Max: 1232
Current: 66.43
1.69
1232
Price-to-Operating-Cash-Flow 55.05
FCCY's Price-to-Operating-Cash-Flow is ranked lower than
95% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. FCCY: 55.05 )
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: 6.02 Max: 117.21
Current: 55.05
1.68
117.21
EV-to-EBIT 15.89
FCCY's EV-to-EBIT is ranked lower than
68% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. FCCY: 15.89 )
Ranked among companies with meaningful EV-to-EBIT only.
FCCY' s EV-to-EBIT Range Over the Past 10 Years
Min: -10.4  Med: 15.2 Max: 54.2
Current: 15.89
-10.4
54.2
EV-to-EBITDA 14.42
FCCY's EV-to-EBITDA is ranked lower than
68% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. FCCY: 14.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9  Med: 13.4 Max: 49.9
Current: 14.42
-9
49.9
PEG Ratio 1.55
FCCY's PEG Ratio is ranked lower than
53% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. FCCY: 1.55 )
Ranked among companies with meaningful PEG Ratio only.
FCCY' s PEG Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.46 Max: 554.67
Current: 1.55
0.5
554.67
Shiller PE Ratio 23.65
FCCY's Shiller PE Ratio is ranked lower than
60% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. FCCY: 23.65 )
Ranked among companies with meaningful Shiller PE Ratio only.
FCCY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.4  Med: 13 Max: 25.63
Current: 23.65
7.4
25.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.55
FCCY's Dividend Yield % is ranked lower than
96% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. FCCY: 0.55 )
Ranked among companies with meaningful Dividend Yield % only.
FCCY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.32  Med: 0.53 Max: 0.63
Current: 0.55
0.32
0.63
Dividend Payout Ratio 0.09
FCCY's Dividend Payout Ratio is ranked higher than
95% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FCCY: 0.09 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FCCY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.09 Max: 0.09
Current: 0.09
Forward Dividend Yield % 1.10
FCCY's Forward Dividend Yield % is ranked lower than
89% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. FCCY: 1.10 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.55
FCCY's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. FCCY: 0.55 )
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: 0.53 Max: 0.63
Current: 0.55
0.32
0.63
3-Year Average Share Buyback Ratio -6.40
FCCY's 3-Year Average Share Buyback Ratio is ranked lower than
71% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 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 1.56
FCCY's Price-to-Tangible-Book is ranked lower than
66% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FCCY: 1.56 )
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: 1.56
0.61
2.35
Price-to-Intrinsic-Value-Projected-FCF 0.74
FCCY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
55% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCCY: 0.74 )
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: 0.74
0.38
1.24
Price-to-Median-PS-Value 1.73
FCCY's Price-to-Median-PS-Value is ranked lower than
89% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FCCY: 1.73 )
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: 1.34 Max: 4.31
Current: 1.73
0.6
4.31
Price-to-Peter-Lynch-Fair-Value 1.74
FCCY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
69% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FCCY: 1.74 )
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: 1.47 Max: 2
Current: 1.74
0.53
2
Price-to-Graham-Number 1.05
FCCY's Price-to-Graham-Number is ranked lower than
61% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FCCY: 1.05 )
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: 1.05
0.51
1.3
Earnings Yield (Greenblatt) % 6.31
FCCY's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. FCCY: 6.31 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FCCY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.8  Med: 6.1 Max: 1346
Current: 6.31
1.8
1346
Forward Rate of Return (Yacktman) % 17.19
FCCY's Forward Rate of Return (Yacktman) % is ranked higher than
66% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. FCCY: 17.19 )
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: 13.1 Max: 34.2
Current: 17.19
-15.8
34.2

More Statistics

Revenue (TTM) (Mil) $42.60
EPS (TTM) $ 1.13
Beta0.40
Short Percentage of Float0.17%
52-Week Range $11.70 - 20.85
Shares Outstanding (Mil)8.03
» 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
1ST CONSTITUTION BANCORP Financials Mar 24 2017
1ST CONSTITUTION BANCORP Files SEC form 8-K, Non-Reliance on Previous Financials, Audits or Interim... Mar 20 2017
1ST CONSTITUTION BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 17 2017
1ST Constitution Bancorp Declares Cash Dividend of $0.05 Per Common Share Mar 17 2017
1ST CONSTITUTION BANCORP Files SEC form 10-K, Annual Report Mar 16 2017
Is BancorpSouth's Persistent Margin Pressure a Major Concern? Mar 16 2017
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1ST Constitution Bancorp Announces Change and New Member to Its Board of Directors Effective March... Feb 21 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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