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1st Constitution Bancorp (FCCY) Stock Fundamental Analysis

NASDAQ:FCCY - Nasdaq - Common Stock

27.79  +1.02 (+3.81%)

After market: 27.75 -0.04 (-0.14%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to FCCY. FCCY was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of FCCY have multiple concerns. FCCY is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

FCCY had positive earnings in the past year.
FCCY Yearly Net Income VS EBIT VS OCF VS FCFFCCY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 5M 10M 15M 20M

1.2 Ratios

Industry RankSector Rank
ROA 1.13%
ROE 10.8%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FCCY Yearly ROA, ROE, ROICFCCY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

FCCY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.04%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FCCY Yearly Profit, Operating, Gross MarginsFCCY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 5 10 15 20

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2. Health

2.1 Basic Checks

FCCY has about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, FCCY has an improved debt to assets ratio.
FCCY Yearly Shares OutstandingFCCY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2M 4M 6M 8M 10M
FCCY Yearly Total Debt VS Total AssetsFCCY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 500M 1B 1.5B

2.2 Solvency

FCCY has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
FCCY Yearly LT Debt VS Equity VS FCFFCCY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 39.07% over the past year.
FCCY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.87% yearly.
The Revenue has grown by 13.86% in the past year. This is quite good.
FCCY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.12% yearly.
EPS 1Y (TTM)39.07%
EPS 3Y18.41%
EPS 5Y14.87%
EPS Q2Q%10.42%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y18.09%
Revenue growth 5Y12.12%
Sales Q2Q%-6.86%

3.2 Future

The Earnings Per Share is expected to decrease by -2.97% on average over the next years.
Based on estimates for the next years, FCCY will show a decrease in Revenue. The Revenue will decrease by -0.41% on average per year.
EPS Next Y12.43%
EPS Next 2Y-3.7%
EPS Next 3Y-0.49%
EPS Next 5Y-2.97%
Revenue Next Year4.26%
Revenue Next 2Y-0.25%
Revenue Next 3Y0.67%
Revenue Next 5Y-0.41%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FCCY Yearly Revenue VS EstimatesFCCY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
FCCY Yearly EPS VS EstimatesFCCY Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

FCCY is valuated correctly with a Price/Earnings ratio of 13.23.
Compared to an average S&P500 Price/Earnings ratio of 29.62, FCCY is valued rather cheaply.
A Price/Forward Earnings ratio of 17.03 indicates a rather expensive valuation of FCCY.
FCCY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.23
Fwd PE 17.03
FCCY Price Earnings VS Forward Price EarningsFCCY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FCCY Per share dataFCCY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

FCCY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)0.89
EPS Next 2Y-3.7%
EPS Next 3Y-0.49%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.49%, FCCY has a reasonable but not impressive dividend return.
FCCY's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.49%

5.2 History

The dividend of FCCY is nicely growing with an annual growth rate of 17.84%!
FCCY has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)17.84%
Div Incr YearsN/A
Div Non Decr YearsN/A
FCCY Yearly Dividends per shareFCCY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 0.1 0.2 0.3

5.3 Sustainability

FCCY pays out 18.10% of its income as dividend. This is a sustainable payout ratio.
DP18.1%
EPS Next 2Y-3.7%
EPS Next 3Y-0.49%
FCCY Yearly Income VS Free CF VS DividendFCCY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 5M 10M 15M 20M
FCCY Dividend Payout.FCCY Dividend Payout, showing the Payout Ratio.FCCY Dividend Payout.PayoutRetained Earnings

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1st Constitution Bancorp

NASDAQ:FCCY (1/6/2022, 4:16:46 PM)

After market: 27.75 -0.04 (-0.14%)

27.79

+1.02 (+3.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)02-01 2022-02-01
Inst Owners0.03%
Inst Owner Change0%
Ins Owners4.76%
Ins Owner Change0%
Market Cap284.85M
Analysts80
Price Target27.29 (-1.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.49%
Yearly Dividend0.36
Dividend Growth(5Y)17.84%
DP18.1%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.23
Fwd PE 17.03
P/S 3.7
P/FCF N/A
P/OCF N/A
P/B 1.42
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.1
EY7.56%
EPS(NY)1.63
Fwd EY5.87%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.51
BVpS19.5
TBVpSN/A
PEG (NY)1.06
PEG (5Y)0.89
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 10.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.04%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)39.07%
EPS 3Y18.41%
EPS 5Y14.87%
EPS Q2Q%10.42%
EPS Next Y12.43%
EPS Next 2Y-3.7%
EPS Next 3Y-0.49%
EPS Next 5Y-2.97%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y18.09%
Revenue growth 5Y12.12%
Sales Q2Q%-6.86%
Revenue Next Year4.26%
Revenue Next 2Y-0.25%
Revenue Next 3Y0.67%
Revenue Next 5Y-0.41%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A