1st Constitution Bancorp (1st Constitution Bancorp) Cash-to-Debt : 7.88 (As of Sep. 2021)

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What is 1st Constitution Bancorp Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. 1st Constitution Bancorp's cash to debt ratio for the quarter that ended in Sep. 2021 was 7.88.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, 1st Constitution Bancorp could pay off its debt using the cash in hand for the quarter that ended in Sep. 2021.

The historical rank and industry rank for 1st Constitution Bancorp's Cash-to-Debt or its related term are showing as below:

FCCY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09 Med: 0.3 Max: 7.88
Current: 7.88

During the past 13 years, 1st Constitution Bancorp's highest Cash to Debt Ratio was 7.88. The lowest was 0.09. And the median was 0.30.

FCCY's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.3 vs FCCY: 7.88

1st Constitution Bancorp Cash-to-Debt Historical Data

The historical data trend for 1st Constitution Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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1st Constitution Bancorp Cash-to-Debt Chart

1st Constitution Bancorp Annual Data

Trend

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Cash-to-Debt

Get a 7-Day Free Trial

0.16

0.48

0.19

0.12

0.48

1st Constitution Bancorp Quarterly Data
	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21
Cash-to-Debt	Get a 7-Day Free Trial															0.14	0.48	4.67	6.13	7.88

Competitive Comparison of 1st Constitution Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, 1st Constitution Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

1st Constitution Bancorp's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, 1st Constitution Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where 1st Constitution Bancorp's Cash-to-Debt falls into.

1st Constitution Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

1st Constitution Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2020 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	21.995	/	(9.825	+	35.944)
	=	0.48

1st Constitution Bancorp's Cash to Debt Ratio for the quarter that ended in Sep. 2021 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	273.946	/	(0	+	34.773)
	=	7.88

1st Constitution Bancorp (NAS:FCCY) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

1st Constitution Bancorp Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of 1st Constitution Bancorp's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

1st Constitution Bancorp (1st Constitution Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » 1st Constitution Bancorp (NAS:FCCY) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

2650 Route 130, P.O. Box 634, Cranbury, NJ, USA, 08512

Website

https://www.1stconstitution.com

1st Constitution Bancorp is a United States-based bank holding company. Through its subsidiaries, it provides commercial and retail banking. It mainly provides its services to individuals, families, institutions, and small businesses in central and coastal New Jersey and the Fort Lee area of Bergen County. Its loan portfolio segment includes residential real estate loans, home equity loans, and other loans to individuals. It operates in a single segment, which is Community Banking.

Executives

Crow Charles S Iii	director
Naqi A Naqvi	officer: Senior VP and CAO	23 GREEN RIDGE MANALAPAN NJ 07726
John T Andreacio	officer: Chief Lending Officer and EVP	KNBT BANCORP, INC. 90 HIGHLAND AVENUE BETHLEHEM PA 18017
Stephen J Gilhooly	officer: SVP, CFO and Treasurer	1ST CONSTITUTION BANCORP 2650 ROUTE 130 CRANBURY NJ 08512
Carmen M Penta	director	C/O 1ST CONSTITUTION BANCORP 2650 ROUTE 130 CRANBURY NJ 08512
Edwin J Pisani	director	C/O 1ST CONSTITUTION BANCORP 2650 ROUTE 130 CRANBURY NJ 08512
William M Rue	director	40 WANTAGE AVE, BRANCHVILLE NJ 07890
William James Barrett	director	C/O 1ST CONSTITUTION BANCORP 2650 ROUTE 130 CRANBURY NJ 08512
Roy D Tartaglia	director	C/O 1ST CONSTITUTION BANK 2650 ROUTE 130 CRANBURY NJ 08512
James G Aaron	director	C/O 1ST CONSTITUTION BANK 2650 ROUTE 130 CRANBURY NJ 08512
J. Lynne Cannon	director	1ST CONSTITUTION BANCORP 2650 ROUTE 130 CRANBURY NJ 08512
Antonio L. Cruz	director	1ST CONSTITUTION BANCORP 2650 ROUTE 130 CRANBURY NJ 08512
Raymond R. Ciccone	director	C/O 1ST CONSTITUTION BANCORP 2650 ROUTE 130 CRANBURY NJ 08512
Robert F Mangano	director, officer: President and CEO	C/O 1ST CONSTITUTION BANCORP, 2650 ROUTE 130, CRANBURY NJ 08512
Walsh Frank E. Iii	director	330 SOUTH STREET, SUITE 4, MORRISTOWN NJ 07960