1st Constitution Bancorp is a banks - regional business based in the US. 1st Constitution Bancorp shares (FCCY) are listed on the NASDAQ and all prices are listed in US Dollars. 1st Constitution Bancorp employs 215 staff and has a trailing 12-month revenue of around $72.8 million.
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Is it a good time to buy 1st Constitution Bancorp stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Is 1st Constitution Bancorp stock undervalued or overvalued?
Valuing 1st Constitution Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of 1st Constitution Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
1st Constitution Bancorp's P/E ratio
1st Constitution Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, 1st Constitution Bancorp shares trade at around 13x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
1st Constitution Bancorp's PEG ratio
1st Constitution Bancorp's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.7. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into 1st Constitution Bancorp's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
1st Constitution Bancorp financials
Revenue TTM
$72.8 million
Operating margin TTM
42.94%
Gross profit TTM
$66.4 million
Return on assets TTM
1.15%
Return on equity TTM
11.3%
Profit margin
29.64%
Book value
$19.37
Market Capitalization
$286.8 million
TTM: trailing 12 months
1st Constitution Bancorp share dividends
Dividend payout ratio: 18.75% of net profits
Recently 1st Constitution Bancorp has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), 1st Constitution Bancorp shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In 1st Constitution Bancorp's case, that would currently equate to about $0.39 per share.
While 1st Constitution Bancorp's payout ratio might seem low, this can signify that 1st Constitution Bancorp is investing more in its future growth.
1st Constitution Bancorp's most recent dividend payout was on 23 November 2021. The latest dividend was paid out to all shareholders who bought their shares by 9 November 2021 (the "ex-dividend date").
Have 1st Constitution Bancorp's shares ever split?
1st Constitution Bancorp's shares were
split on a 105:100 basis on 11 January 2016
. So if you had owned 100 shares the day before before the split, the next day you'd have owned 105 shares. This wouldn't directly have changed the overall worth of your 1st Constitution Bancorp shares – just the quantity. However, indirectly, the new 4.8% lower share price could have impacted the market appetite for 1st Constitution Bancorp shares which in turn could have impacted 1st Constitution Bancorp's share price.
1st Constitution Bancorp share price volatility
Over the last 12 months, 1st Constitution Bancorp's shares have ranged in value from as little as $0 up to $0. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while 1st Constitution Bancorp's is 0.6254. This would suggest that 1st Constitution Bancorp's shares are less volatile than average (for this exchange).
1st Constitution Bancorp overview
As of January 6, 2022, 1st Constitution Bancorp was acquired by Lakeland Bancorp, Inc. 1st Constitution Bancorp operates as the bank holding company for 1st Constitution Bank that provides commercial and retail banking products and services in the central, coastal, and northeastern areas of New Jersey. The company offers deposit products, including interest bearing demand deposits, such as interest-bearing checking accounts, money market accounts, and NOW accounts; and non-interest bearing demand, savings, and time deposits. It also provides commercial loans, including term loans, lines of credit, and loans secured by equipment and receivables; secured and unsecured short-to-medium term commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery; commercial real estate loans; and commercial construction financing to real estate developers for the acquisition, development, and construction of residential and commercial properties. In addition, the company offers residential first mortgage loans secured by owner-occupied property; construction loans; reverse mortgages; second mortgage home improvement loans; home equity lines of credit; and non-residential consumer loans for automobiles, recreation vehicles, and boats, as well as secured and unsecured personal loans, and deposit account secured loans, as well as online and mobile banking services. It serves corporations, individuals, partnerships, and other community organizations, as well as small businesses and not-for-profit organizations. As of February 2, 2021, the company operated 25 banking offices in Asbury Park, Cranbury, Fair Haven, Fort Lee, Freehold, Hamilton, Hightstown, Hillsborough, Hopewell, Jackson, Jamesburg, Lawrenceville, Little Silver, Long Branch, Manahawkin, Neptune City, Perth Amboy, Plainsboro, Princeton, Rocky Hill, Rumson, Shrewsbury and Toms River, and New Jersey.
Frequently asked questions
null What percentage of 1st Constitution Bancorp is owned by insiders or institutions? Currently 12.953% of 1st Constitution Bancorp shares are held by insiders and 40.436% by institutions.How many people work for 1st Constitution Bancorp? Latest data suggests 215 work at 1st Constitution Bancorp.When does the fiscal year end for 1st Constitution Bancorp? 1st Constitution Bancorp's fiscal year ends in December.Where is 1st Constitution Bancorp based? 1st Constitution Bancorp's address is: 2650 Route 130, Cranbury, NJ, United States, 08512What is 1st Constitution Bancorp's ISIN number? 1st Constitution Bancorp's international securities identification number is: US31986N1028What is 1st Constitution Bancorp's CUSIP number? 1st Constitution Bancorp's Committee on Uniform Securities Identification Procedures number is: 31986N102
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