1st Constitution Bancorp (FCCY) Fundamental Analysis & Valuation

NASDAQ:FCCY

Current stock price

27.79
+1.02 (+3.81%)
At close:
27.75
-0.04 (-0.14%)
After Hours:

This FCCY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. FCCY Profitability Analysis

1.1 Basic Checks

  • In the past year FCCY was profitable.
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. FCCY Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, FCCY has about the same amount of shares outstanding.
  • FCCY has a better debt/assets ratio than last year.
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. FCCY Growth Analysis

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.
  • Measured over the past years, FCCY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.87% on average per year.
  • The Revenue has grown by 13.86% in the past year. This is quite good.
  • 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

  • Based on estimates for the next years, FCCY will show a decrease in Earnings Per Share. The EPS will decrease by -2.97% on average per year.
  • 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.
  • 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. FCCY Valuation Analysis

4.1 Price/Earnings Ratio

  • FCCY is valuated correctly with a Price/Earnings ratio of 13.23.
  • FCCY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.15.
  • The Price/Forward Earnings ratio is 17.03, which indicates a rather expensive current valuation of FCCY.
  • FCCY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.12, 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

  • The 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. FCCY Dividend Analysis

5.1 Amount

  • FCCY has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average S&P500 Dividend Yield of 1.82, FCCY has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.49%

5.2 History

  • On average, the dividend of FCCY grows each year by 17.84%, which is quite nice.
  • 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

  • 18.10% of the earnings are spent on dividend by FCCY. This is a low number and 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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FCCY Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)02-01
Inst Owners0.03%
Inst Owner Change0%
Ins Owners4.76%
Ins Owner Change0%
Market Cap284.85M
Revenue(TTM)76.97M
Net Income(TTM)21.58M
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
Graham Number0 (-100%)
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
ROICexgc growth 3Y0%
ROICexgc 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

1st Constitution Bancorp / FCCY Fundamental Analysis 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.


How profitable is 1st Constitution Bancorp (FCCY) stock?

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


What is the financial health of 1st Constitution Bancorp (FCCY) stock?

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


Can you provide the expected EPS growth for FCCY stock?

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