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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.75
FCCY's Cash to Debt is ranked higher than
79% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FCCY: 2.75 )
FCCY' s 10-Year Cash to Debt Range
Min: 0.13   Max: 4.34
Current: 2.75

0.13
4.34
Equity to Asset 0.08
FCCY's Equity to Asset is ranked higher than
61% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCCY: 0.08 )
FCCY' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.08

0.07
0.1
Interest Coverage 1.90
FCCY's Interest Coverage is ranked higher than
76% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FCCY: 1.90 )
FCCY' s 10-Year Interest Coverage Range
Min: 0.22   Max: 9999.99
Current: 1.9

0.22
9999.99
F-Score: 3
Z-Score: 0.12
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 (%) 26.39
FCCY's Operating margin (%) is ranked higher than
70% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. FCCY: 26.39 )
FCCY' s 10-Year Operating margin (%) Range
Min: 12.14   Max: 40.32
Current: 26.39

12.14
40.32
Net-margin (%) 18.91
FCCY's Net-margin (%) is ranked higher than
70% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. FCCY: 18.91 )
FCCY' s 10-Year Net-margin (%) Range
Min: 11.44   Max: 26.77
Current: 18.91

11.44
26.77
ROE (%) 8.46
FCCY's ROE (%) is ranked higher than
77% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. FCCY: 8.46 )
FCCY' s 10-Year ROE (%) Range
Min: 4.46   Max: 15.3
Current: 8.46

4.46
15.3
ROA (%) 0.78
FCCY's ROA (%) is ranked higher than
73% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FCCY: 0.78 )
FCCY' s 10-Year ROA (%) Range
Min: 0.38   Max: 1.36
Current: 0.78

0.38
1.36
ROC (Joel Greenblatt) (%) 80.30
FCCY's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. FCCY: 80.30 )
FCCY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 50.03   Max: 367.47
Current: 80.3

50.03
367.47
Revenue Growth (%) 4.00
FCCY's Revenue Growth (%) is ranked higher than
83% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCCY: 4.00 )
FCCY' s 10-Year Revenue Growth (%) Range
Min: 1   Max: 18.5
Current: 4

1
18.5
EBITDA Growth (%) 16.90
FCCY's EBITDA Growth (%) is ranked higher than
85% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FCCY: 16.90 )
FCCY' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 33.8
Current: 16.9

0
33.8
EPS Growth (%) 32.30
FCCY's EPS Growth (%) is ranked higher than
92% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. FCCY: 32.30 )
FCCY' s 10-Year EPS Growth (%) Range
Min: -31.1   Max: 38.3
Current: 32.3

-31.1
38.3
» FCCY's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.50
FCCY's P/E(ttm) is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. FCCY: 12.50 )
FCCY' s 10-Year P/E(ttm) Range
Min: 8.67   Max: 24.24
Current: 12.5

8.67
24.24
P/B 0.90
FCCY's P/B is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FCCY: 0.90 )
FCCY' s 10-Year P/B Range
Min: 0.52   Max: 2.62
Current: 0.9

0.52
2.62
P/S 2.07
FCCY's P/S is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FCCY: 2.07 )
FCCY' s 10-Year P/S Range
Min: 1.12   Max: 13.16
Current: 2.07

1.12
13.16
PFCF 1.70
FCCY's PFCF is ranked higher than
94% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. FCCY: 1.70 )
FCCY' s 10-Year PFCF Range
Min: 1.7   Max: 54.18
Current: 1.7

1.7
54.18
EV-to-EBIT 0.34
FCCY's EV-to-EBIT is ranked higher than
100% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. FCCY: 0.34 )
FCCY' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 54.2
Current: 0.34

0.1
54.2
PEG 0.50
FCCY's PEG is ranked higher than
93% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FCCY: 0.50 )
FCCY' s 10-Year PEG Range
Min: 0.44   Max: 28.59
Current: 0.5

0.44
28.59
Shiller P/E 15.40
FCCY's Shiller P/E is ranked higher than
89% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. FCCY: 15.40 )
FCCY' s 10-Year Shiller P/E Range
Min: 5.38   Max: 17.27
Current: 15.4

5.38
17.27

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FCCY's Price/Tangible Book is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FCCY: 1.10 )
FCCY' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 2.46
Current: 1.1

0.58
2.46
Price/DCF (Projected) 0.40
FCCY's Price/DCF (Projected) is ranked higher than
95% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. FCCY: 0.40 )
FCCY' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 0.88
Current: 0.4

0.28
0.88
Price/Median PS Value 1.00
FCCY's Price/Median PS Value is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FCCY: 1.00 )
FCCY' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 6.03
Current: 1

0.59
6.03
Price/Peter Lynch Fair Value 0.50
FCCY's Price/Peter Lynch Fair Value is ranked higher than
96% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FCCY: 0.50 )
FCCY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.47   Max: 3.22
Current: 0.5

0.47
3.22
Price/Graham Number 0.80
FCCY's Price/Graham Number is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FCCY: 0.80 )
FCCY' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.34
Current: 0.8

0.47
1.34
Earnings Yield (Greenblatt) 291.50
FCCY's Earnings Yield (Greenblatt) is ranked higher than
99% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FCCY: 291.50 )
FCCY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 1193.9
Current: 291.5

1.8
1193.9
Forward Rate of Return (Yacktman) 28.53
FCCY's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. FCCY: 28.53 )
FCCY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.9   Max: 31.6
Current: 28.53

-1.9
31.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:1JB.Germany
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 (the Bank). The Bank is a commercial bank formed under the laws of the State of New Jersey and engages 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 ten additional branch offices in downtown Cranbury, Hamilton Square, Hightstown, Jamesburg, Montgomery, Perth Amboy, Plainsboro, West Windsor, Fort Lee and Princeton, 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 (secured and unsecured) and deposit account secured loans. Banking is a complex, highly regulated industry.
» More Articles for FCCY

Headlines

Articles On GuruFocus.com
Top 5 Insider Buys of the Week May 31 2013 
comment on FCCY Apr 03 2012 
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 Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 24 2014
1st Constitution Bancorp Announces Second Quarter Results Jul 24 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Material Impairments Jun 20 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 23 2014
1ST CONSTITUTION BANCORP Financials May 23 2014
1ST CONSTITUTION BANCORP Files SEC form 10-Q, Quarterly Report May 15 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 29 2014
1ST Constitution Bancorp Reports First Quarter 2014 Results and Successful Integration of... Apr 29 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K/A, Financial Statements and Exhibits Apr 25 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 08 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Apr 01 2014
1ST CONSTITUTION BANCORP Files SEC form 10-K, Annual Report Mar 31 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Material Modification to Rights of Security Holders,... Mar 24 2014
1ST Constitution Bank Announces Expiration of Shareholder Rights Plan Mar 24 2014
1st Constitution Bancorp Reports Strong Fourth Quarter and Annual Results for the Year Ended... Mar 05 2014
1st Constitution Bancorp Announces Closing of the Merger of Rumson-Fair Haven Bank and Trust Company... Mar 05 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Feb 10 2014
1ST Constitution Bancorp Announces Closing of the Merger of Rumson-Fair Haven Bank and Trust Company... Feb 10 2014
1ST CONSTITUTION BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 05 2014
1ST Constitution Bancorp Reports Strong Fourth Quarter and Annual Results for the Year Ended... Feb 05 2014

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