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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.15
NAS:FCCY's Cash-to-Debt is ranked lower than
90% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. NAS:FCCY: 0.15 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:FCCY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.3 Max: 4.34
Current: 0.15
0.08
4.34
Equity-to-Asset 0.10
NAS:FCCY's Equity-to-Asset is ranked lower than
52% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:FCCY: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:FCCY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.11
Current: 0.1
0.07
0.11
Debt-to-Equity 0.85
NAS:FCCY's Debt-to-Equity is ranked lower than
61% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. NAS:FCCY: 0.85 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:FCCY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.27  Med: 0.89 Max: 1.94
Current: 0.85
0.27
1.94
Debt-to-EBITDA 6.49
NAS:FCCY's Debt-to-EBITDA is ranked lower than
57% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. NAS:FCCY: 6.49 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:FCCY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.13  Med: 6.77 Max: 17.01
Current: 6.49
3.13
17.01
Interest Coverage 2.39
NAS:FCCY's Interest Coverage is ranked higher than
59% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. NAS:FCCY: 2.39 )
Ranked among companies with meaningful Interest Coverage only.
NAS:FCCY' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 0.97 Max: 2.75
Current: 2.39
0.22
2.75
Beneish M-Score: -2.21
WACC vs ROIC
5.37%
4.71%
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 % 29.04
NAS:FCCY's Operating Margin % is ranked lower than
58% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. NAS:FCCY: 29.04 )
Ranked among companies with meaningful Operating Margin % only.
NAS:FCCY' s Operating Margin % Range Over the Past 10 Years
Min: 12.14  Med: 20.84 Max: 39.86
Current: 29.04
12.14
39.86
Net Margin % 19.59
NAS:FCCY's Net Margin % is ranked lower than
63% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. NAS:FCCY: 19.59 )
Ranked among companies with meaningful Net Margin % only.
NAS:FCCY' s Net Margin % Range Over the Past 10 Years
Min: 11.02  Med: 14.81 Max: 26.77
Current: 19.59
11.02
26.77
ROE % 8.19
NAS:FCCY's ROE % is ranked lower than
53% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. NAS:FCCY: 8.19 )
Ranked among companies with meaningful ROE % only.
NAS:FCCY' s ROE % Range Over the Past 10 Years
Min: 3.26  Med: 7.97 Max: 14.29
Current: 8.19
3.26
14.29
ROA % 0.82
NAS:FCCY's ROA % is ranked lower than
56% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NAS:FCCY: 0.82 )
Ranked among companies with meaningful ROA % only.
NAS:FCCY' s ROA % Range Over the Past 10 Years
Min: 0.42  Med: 0.6 Max: 1.32
Current: 0.82
0.42
1.32
3-Year Revenue Growth Rate 4.70
NAS:FCCY's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NAS:FCCY: 4.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS: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
NAS:FCCY's 3-Year EBITDA Growth Rate is ranked higher than
63% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. NAS:FCCY: 11.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS: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
NAS:FCCY's 3-Year EPS without NRI Growth Rate is ranked higher than
60% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NAS:FCCY: 9.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS: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 2 Warning Signs with 1st Constitution Bancorp NAS:FCCY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:FCCY's 30-Y Financials

Financials (Next Earnings Date: 2018-02-02)


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

» Details

Guru Trades

FCCY Guru Trades in

Q4 2016

FCCY Guru Trades in Q4 2016

Jim Simons 54,600 sh (New)
» More
Q1 2017

FCCY Guru Trades in Q1 2017

Jim Simons 65,500 sh (+19.96%)
» More
Q2 2017

FCCY Guru Trades in Q2 2017

Jim Simons 63,200 sh (-3.51%)
» More
» Details

Insider Trades

Latest Guru Trades with FCCY

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 551111    SIC: 6035
Compare:NAS:DNBF, OTCPK:FRAF, OTCPK:CWBB, NAS:MBCN, NAS:OPOF, NAS:SBBX, OTCPK:STND, OTCPK:QNBC, NAS:ENFC, OTCBB:FKYS, NAS:SLCT, NAS:ACFC, NAS:FCCO, OTCPK:FDBC, OTCPK:FNRN, NAS:UBFO, NAS:TRCB, NAS:AUBN, NAS:RBPAA, OTCPK:BERK » details
Traded in other countries:1JB.Germany,
Headquarter Location:USA
1st Constitution Bancorp is a commercial bank. It provides a range of commercial and consumer banking services to individuals, families, institutions and small businesses in central and coastal 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.

Top Ranked Articles about 1st Constitution Bancorp

1ST Constitution Bank Launches Momentum Mortgage
1ST Constitution Bancorp Declares Cash Dividend of $0.05 Per Common Share
1ST Constitution Bancorp Declares Cash Dividend of $0.05 Per Common Share

CRANBURY, N.J., March 17, 2017 (GLOBE NEWSWIRE) -- 1ST Constitution Bancorp (NASDAQ:FCCY), parent company of 1ST Constitution Bank, announced that its Board of Directors has declared a cash dividend of $0.05 per common share.  The cash dividend will be paid on April 25, 2017 to all shareholders of record as of the close of business on April 3, 2017.
1ST Constitution Bancorp is a financial service organization headquartered in Cranbury, New Jersey, with approximately $1.0 billion in assets and $850 million in deposits. 1ST Constitution Bank provides financial services to retail, corporate and small business customers through its 19 branch banking offices located in Bergen, Middlesex, Monmouth, Mercer and Somerset Counties in New Jersey. 1ST Constitution Bank also operates four residential mortgage loan production offices in Ocean, Hunterdon, Somerset and Hudson Counties in New Jersey. For additional information about 1ST Constitution, visit our website at www.1STCONSTITUTION.com, or call 609-655-4500. 1ST Constitution Bancorp is traded on the Nasdaq Global Market under the trading symbol “FCCY” and can be accessed through the Internet at www.1STCONSTITUTION.com The foregoing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are not historical facts and include expressions about management’s confidence and strategies and management’s expectations about new and existing programs and products, relationships, opportunities, taxation, technology and market conditions. These statements may be identified by such forward-looking terminology as “expect,” “look,” “believe,” “anticipate,” “may,” “will,” or similar statements or variations of such terms. Actual results may differ materially from such forward-looking statements. Factors that may cause results to differ materially from such forward-looking statements include, but are not limited to, changes in the direction of the economy in New Jersey, the direction of interest rates, effective income tax rates, loan prepayment assumptions, continued levels of loan quality and origination volume, continued relationships with major customers including sources for loans, a higher level of net loan charge-offs and delinquencies than anticipated, bank regulatory rules, regulations or policies that restrict or direct certain actions, the adoption, interpretation and implementation of new or pre-existing accounting pronouncements, a change in legal and regulatory barriers including issues related to compliance with anti-money laundering and bank secrecy act laws, as well as the effects of general economic conditions and legal and regulatory barriers and structure. 1ST Constitution Bancorp assumes no obligation for updating any such forward-looking statements at any time, except as required by law.
CONTACT:
Robert F. Mangano
President & Chief Executive Officer
(609) 655-4500

Stephen J. Gilhooly
Senior Vice President, Treasurer &
Chief Financial Officer
(609) 655-4500

Read more...

Ratios

vs
industry
vs
history
PE Ratio 17.26
FCCY's PE Ratio is ranked lower than
62% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. FCCY: 17.26 )
Ranked among companies with meaningful PE Ratio only.
FCCY' s PE Ratio Range Over the Past 10 Years
Min: 8.68  Med: 12.54 Max: 25.04
Current: 17.26
8.68
25.04
Forward PE Ratio 15.75
FCCY's Forward PE Ratio is ranked lower than
64% of the 372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. FCCY: 15.75 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.26
FCCY's PE Ratio without NRI is ranked lower than
62% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. FCCY: 17.26 )
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: 12.44 Max: 24.64
Current: 17.26
8.55
24.64
Price-to-Owner-Earnings 18.30
FCCY's Price-to-Owner-Earnings is ranked lower than
65% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. FCCY: 18.30 )
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: 9.55 Max: 113.61
Current: 18.3
0.61
113.61
PB Ratio 1.32
FCCY's PB Ratio is ranked lower than
58% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FCCY: 1.32 )
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
Current: 1.32
0.52
2
PS Ratio 3.37
FCCY's PS Ratio is ranked higher than
51% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. FCCY: 3.37 )
Ranked among companies with meaningful PS Ratio only.
FCCY' s PS Ratio Range Over the Past 10 Years
Min: 1.12  Med: 2.01 Max: 6.93
Current: 3.37
1.12
6.93
Price-to-Free-Cash-Flow 13.67
FCCY's Price-to-Free-Cash-Flow is ranked lower than
60% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.78 vs. FCCY: 13.67 )
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: 1.7  Med: 6.07 Max: 332.08
Current: 13.67
1.7
332.08
Price-to-Operating-Cash-Flow 12.81
FCCY's Price-to-Operating-Cash-Flow is ranked lower than
62% of the 957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.35 vs. FCCY: 12.81 )
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: 1.69  Med: 6.05 Max: 102.25
Current: 12.81
1.69
102.25
EV-to-EBIT 17.46
FCCY's EV-to-EBIT is ranked lower than
64% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. FCCY: 17.46 )
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: 40
Current: 17.46
-10.4
40
EV-to-EBITDA 15.66
FCCY's EV-to-EBITDA is ranked lower than
63% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. FCCY: 15.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9  Med: 13.5 Max: 34.7
Current: 15.66
-9
34.7
EV-to-Revenue 5.07
FCCY's EV-to-Revenue is ranked lower than
61% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. FCCY: 5.07 )
Ranked among companies with meaningful EV-to-Revenue only.
FCCY' s EV-to-Revenue Range Over the Past 10 Years
Min: -1.9  Med: 3.6 Max: 9.8
Current: 5.07
-1.9
9.8
PEG Ratio 1.65
FCCY's PEG Ratio is ranked lower than
53% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. FCCY: 1.65 )
Ranked among companies with meaningful PEG Ratio only.
FCCY' s PEG Ratio Range Over the Past 10 Years
Min: 0.48  Med: 1.35 Max: 554.67
Current: 1.65
0.48
554.67
Shiller PE Ratio 23.78
FCCY's Shiller PE Ratio is ranked lower than
58% of the 508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. FCCY: 23.78 )
Ranked among companies with meaningful Shiller PE Ratio only.
FCCY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.29  Med: 13.22 Max: 25.97
Current: 23.78
7.29
25.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.11
FCCY's Dividend Yield % is ranked lower than
84% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. FCCY: 1.11 )
Ranked among companies with meaningful Dividend Yield % only.
FCCY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.32  Med: 0.81 Max: 1.19
Current: 1.11
0.32
1.19
Dividend Payout Ratio 0.19
FCCY's Dividend Payout Ratio is ranked higher than
78% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FCCY: 0.19 )
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: 0.19
Current: 0.19
0.09
0.19
Forward Dividend Yield % 1.11
FCCY's Forward Dividend Yield % is ranked lower than
88% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FCCY: 1.11 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.12
FCCY's 5-Year Yield-on-Cost % is ranked lower than
89% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. FCCY: 1.12 )
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: 0.81 Max: 1.19
Current: 1.12
0.32
1.19
3-Year Average Share Buyback Ratio -6.40
FCCY's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 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 1.50
FCCY's Price-to-Tangible-Book is ranked lower than
61% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FCCY: 1.50 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FCCY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.58  Med: 1.18 Max: 2.46
Current: 1.5
0.58
2.46
Price-to-Intrinsic-Value-Projected-FCF 0.73
FCCY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
61% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FCCY: 0.73 )
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: 0.33  Med: 0.52 Max: 1.24
Current: 0.73
0.33
1.24
Price-to-Median-PS-Value 1.68
FCCY's Price-to-Median-PS-Value is ranked lower than
84% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FCCY: 1.68 )
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: 0.62  Med: 1.21 Max: 7.04
Current: 1.68
0.62
7.04
Price-to-Peter-Lynch-Fair-Value 1.72
FCCY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
67% of the 439 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FCCY: 1.72 )
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: 0.51  Med: 1.29 Max: 2.92
Current: 1.72
0.51
2.92
Price-to-Graham-Number 1.07
FCCY's Price-to-Graham-Number is ranked lower than
59% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FCCY: 1.07 )
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: 0.86 Max: 1.37
Current: 1.07
0.51
1.37
Earnings Yield (Greenblatt) % 5.73
FCCY's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. FCCY: 5.73 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FCCY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -829.8  Med: 5.8 Max: 1346
Current: 5.73
-829.8
1346
Forward Rate of Return (Yacktman) % 20.41
FCCY's Forward Rate of Return (Yacktman) % is ranked higher than
72% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. FCCY: 20.41 )
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: 14 Max: 35.4
Current: 20.41
-15.8
35.4

More Statistics

Revenue (TTM) (Mil) $43.99
EPS (TTM) $ 1.04
Beta0.63
Short Percentage of Float0.11%
52-Week Range $13.25 - 20.85
Shares Outstanding (Mil)8.07

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 47 50 54
EPS ($) 1.10 1.14 1.23
EPS without NRI ($) 1.10 1.14 1.23
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.20 0.24 0.28

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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