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1st Constitution Bancorp (FCCY) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FCCY - Common Stock

27.79
+1.02 (+3.81%)
Last: 1/6/2022, 4:16:46 PM
27.75
-0.04 (-0.14%)
After Hours: 1/6/2022, 4:16:46 PM
Fundamental Rating

2

Overall FCCY gets a fundamental rating of 2 out of 10. We evaluated FCCY against 383 industry peers in the Banks industry. Both the profitability and financial health of FCCY have multiple concerns. FCCY is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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 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 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

  • The Operating Margin and Gross Margin are not available for FCCY so they could not be analyzed.
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 2016 2017 2018 2019 2020 5 10 15 20

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1

2. Health

2.1 Basic Checks

  • The number of shares outstanding for FCCY remains at a similar level compared to 1 year ago.
  • The debt/assets ratio for FCCY has been reduced compared to a year ago.
FCCY Yearly Shares OutstandingFCCY Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 500M 1B 1.5B

2.2 Solvency

  • A Debt/Equity ratio of 0.09 indicates that FCCY is not too dependend on debt financing.
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 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

  • FCCY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.07%, which is quite impressive.
  • FCCY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.87% yearly.
  • FCCY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.86%.
  • The Revenue has been growing by 12.12% on average over the past years. This is quite good.
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.
  • FCCY is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.41% yearly.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FCCY Yearly Revenue VS EstimatesFCCY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 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

  • A Price/Earnings ratio of 13.23 indicates a correct valuation of FCCY.
  • FCCY is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
  • FCCY is valuated rather expensively with a Price/Forward Earnings ratio of 17.03.
  • FCCY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.32, 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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4

5. Dividend

5.1 Amount

  • FCCY has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.
  • FCCY's Dividend Yield is comparable with the S&P500 average which is at 1.82.
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 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 / FCCY FAQ

What is the ChartMill fundamental rating of 1st Constitution Bancorp (FCCY) stock?

ChartMill assigns a fundamental rating of 3 / 10 to FCCY.


What is the valuation status of 1st Constitution Bancorp (FCCY) stock?

ChartMill assigns a valuation rating of 3 / 10 to 1st Constitution Bancorp (FCCY). This can be considered as Overvalued.


What is the profitability of FCCY stock?

1st Constitution Bancorp (FCCY) has a profitability rating of 2 / 10.


Can you provide the financial health for FCCY stock?

The financial health rating of 1st Constitution Bancorp (FCCY) is 3 / 10.


What is the expected EPS growth for 1st Constitution Bancorp (FCCY) stock?

The Earnings per Share (EPS) of 1st Constitution Bancorp (FCCY) is expected to grow by 12.43% in the next year.