1st Constitution Bancorp operates as the bank holding company for 1st Constitution Bank that provides commercial and retail banking services in the central and northeastern New Jersey areas. 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, as well as certificates of deposit. 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; and construction loans 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. It serves corporations, individuals, partnerships, and other community organizations, as well as small businesses and not-for-profit organizations. As of December 31, 2017, the company operated through 17 branch offices, as well as 2 residential mortgage loan production offices in New Jersey. 1st Constitution Bancorp was founded in 1989 and is based in Cranbury, New Jersey.
Industry, Sector and Symbol
Stock Exchange NASDAQ
Industry Federal savings institutions
Sub-IndustryN/A
SectorFinance
Current SymbolNASDAQ:FCCY
Previous Symbol
CUSIPN/A
Phone609-655-4500
Debt
Debt-to-Equity Ratio0.95
Current Ratio0.95
Quick Ratio0.94
Price-To-Earnings
Trailing P/E Ratio13.60
Forward P/E Ratio12.47
P/E Growth1.58
Sales & Book Value
Annual Sales$49.90 million
Price / Sales3.34
Cash Flow$1.3527 per share
Price / Cash14.66
Book Value$14.73 per share
Price / Book1.35
Profitability
EPS (Most Recent Fiscal Year)$1.06
Net Income$6.92 million
Net Margins16.34%
Return on Equity10.76%
Return on Assets1.11%
Miscellaneous
Employees183
Outstanding Shares8,400,000
Market Cap$169.09 million
OptionableNot Optionable
1st Constitution Bancorp (NASDAQ:FCCY) Frequently Asked Questions
What is 1st Constitution Bancorp's stock symbol?
1st Constitution Bancorp trades on the NASDAQ under the ticker symbol "FCCY."
How often does 1st Constitution Bancorp pay dividends? What is the dividend yield for 1st Constitution Bancorp?
1st Constitution Bancorp announced a quarterly dividend on Monday, October 22nd. Stockholders of record on Friday, November 9th will be given a dividend of $0.075 per share on Thursday, November 22nd. This represents a $0.30 dividend on an annualized basis and a dividend yield of 1.51%. The ex-dividend date of this dividend is Thursday, November 8th. This is a boost from 1st Constitution Bancorp's previous quarterly dividend of $0.06. View 1st Constitution Bancorp's Dividend History.
How were 1st Constitution Bancorp's earnings last quarter?
1st Constitution Bancorp (NASDAQ:FCCY) released its quarterly earnings results on Friday, October, 19th. The financial services provider reported $0.46 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.39 by $0.07. The financial services provider had revenue of $13.55 million for the quarter, compared to the consensus estimate of $13.28 million. 1st Constitution Bancorp had a net margin of 16.34% and a return on equity of 10.76%. View 1st Constitution Bancorp's Earnings History.
When is 1st Constitution Bancorp's next earnings date?
Has 1st Constitution Bancorp been receiving favorable news coverage?
News coverage about FCCY stock has trended somewhat negative recently, InfoTrie Sentiment reports. InfoTrie identifies negative and positive press coverage by reviewing more than six thousand news and blog sources in real-time. The firm ranks coverage of public companies on a scale of -5 to 5, with scores closest to five being the most favorable. 1st Constitution Bancorp earned a media sentiment score of -1.8 on InfoTrie's scale. They also assigned media coverage about the financial services provider a news buzz of 4.0 out of 10, meaning that recent press coverage is somewhat unlikely to have an impact on the company's share price in the next few days.
Who are some of 1st Constitution Bancorp's key competitors?
Some companies that are related to 1st Constitution Bancorp include Northfield Bancorp (NFBK), BBX Capital (BBXTB), Dime Community Bancshares (DCOM), First Defiance Financial (FDEF), Access National (ANCX), Hometrust Bancshares (HTBI), Sterling Bancorp (SBT), Waterstone Financial (WSBF), Farmers & Merchants Bancorp, Inc. (OH) (FMAO), NASB Financial (NASB), Western New England Bancorp (WNEB), Territorial Bancorp (TBNK), PDL Community Bancorp (PDLB), Northrim BanCorp (NRIM) and BankFinancial (BFIN).
Who are 1st Constitution Bancorp's key executives?
1st Constitution Bancorp's management team includes the folowing people:
- Mr. Robert F. Mangano, Pres, CEO & Director (Age 72)
- Mr. Stephen J. Gilhooly, Sr. VP, CFO & Treasurer (Age 66)
- Mr. John T. Andreacio, Exec. VP and Chief Lending & Credit Officer (Age 55)
- Mr. William M. Rue CPCU, Corp. Sec. & Director (Age 70)
- Mr. Naqi A. Naqvi, Sr. VP & Chief Accounting Officer (Age 61)
Who are 1st Constitution Bancorp's major shareholders?
1st Constitution Bancorp's stock is owned by a variety of of retail and institutional investors. Top institutional investors include Banc Funds Co. LLC (6.20%), BlackRock Inc. (4.18%), Dimensional Fund Advisors LP (2.46%), Alliancebernstein L.P. (1.86%), Renaissance Technologies LLC (1.46%) and Martingale Asset Management L P (0.14%). Company insiders that own 1st Constitution Bancorp stock include Carmen M Penta, Charles S Crow III, Edwin J Pisani, James G Aaron, Roy D Tartaglia and William M Rue. View Institutional Ownership Trends for 1st Constitution Bancorp.
Which institutional investors are selling 1st Constitution Bancorp stock?
Which institutional investors are buying 1st Constitution Bancorp stock?
FCCY stock was acquired by a variety of institutional investors in the last quarter, including Dimensional Fund Advisors LP, Martingale Asset Management L P, BlackRock Inc. and Bessemer Group Inc.. Company insiders that have bought 1st Constitution Bancorp stock in the last two years include Carmen M Penta, Charles S Crow III, Edwin J Pisani, James G Aaron, Roy D Tartaglia and William M Rue. View Insider Buying and Selling for 1st Constitution Bancorp.
How do I buy shares of 1st Constitution Bancorp?
Shares of FCCY can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.
What is 1st Constitution Bancorp's stock price today?
One share of FCCY stock can currently be purchased for approximately $19.83.
How big of a company is 1st Constitution Bancorp?
1st Constitution Bancorp has a market capitalization of $169.09 million and generates $49.90 million in revenue each year. The financial services provider earns $6.92 million in net income (profit) each year or $1.06 on an earnings per share basis. 1st Constitution Bancorp employs 183 workers across the globe.
What is 1st Constitution Bancorp's official website?
How can I contact 1st Constitution Bancorp?
1st Constitution Bancorp's mailing address is 2650 ROUTE 130 BOX 634, CRANBURY NJ, 08512. The financial services provider can be reached via phone at 609-655-4500.
MarketBeat Community Rating for 1st Constitution Bancorp (NASDAQ FCCY)
MarketBeat's community ratings are surveys of what our community members think about 1st Constitution Bancorp and other stocks. Vote "Outperform" if you believe FCCY will outperform the S&P 500 over the long term. Vote "Underperform" if you believe FCCY will underperform the S&P 500 over the long term. You may vote once every thirty days.
