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About 1st Constitution Bancorp (NASDAQ:FCCY)
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
Industry Federal savings institutions
Sub-IndustryN/A
SectorFinance
SymbolNASDAQ:FCCY
CUSIPN/A
Phone609-655-4500
Debt
Debt-to-Equity Ratio0.43
Current Ratio0.88
Quick Ratio0.88
Price-To-Earnings
Trailing P/E Ratio17.73
Forward P/E Ratio15.18
P/E Growth1.52
Sales & Book Value
Annual Sales$49.90 million
Price / Sales3.53
Cash Flow$1.3719 per share
Price / Cash15.38
Book Value$13.83 per share
Price / Book1.53
Profitability
EPS (Most Recent Fiscal Year)$1.06
Net Income$6.92 million
Net Margins15.24%
Return on Equity8.88%
Return on Assets0.92%
Miscellaneous
Employees183
Outstanding Shares8,360,000
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, April 23rd. Shareholders of record on Friday, May 11th will be given a dividend of $0.06 per share on Wednesday, May 23rd. This represents a $0.24 dividend on an annualized basis and a yield of 1.14%. The ex-dividend date of this dividend is Thursday, May 10th. View 1st Constitution Bancorp's Dividend History.
How were 1st Constitution Bancorp's earnings last quarter?
1st Constitution Bancorp (NASDAQ:FCCY) issued its quarterly earnings data on Monday, April, 23rd. The financial services provider reported $0.36 EPS for the quarter, beating the Thomson Reuters' consensus estimate of $0.34 by $0.02. The financial services provider had revenue of $11.56 million for the quarter, compared to analysts' expectations of $11.97 million. 1st Constitution Bancorp had a net margin of 15.24% and a return on equity of 8.88%. View 1st Constitution Bancorp's Earnings History.
When is 1st Constitution Bancorp's next earnings date?
What price target have analysts set for FCCY?
1 equities research analysts have issued twelve-month price objectives for 1st Constitution Bancorp's shares. Their predictions range from $18.00 to $18.00. On average, they anticipate 1st Constitution Bancorp's stock price to reach $18.00 in the next twelve months. View Analyst Ratings for 1st Constitution Bancorp.
Who are some of 1st Constitution Bancorp's key competitors?
Some companies that are related to 1st Constitution Bancorp include First Defiance Financial (FDEF), Access National (ANCX), HomeTrust Bancshares (HTBI), Wauwatosa (WSBF), Farmers & Merchants Bancorp (FMAO), Charter Financial (CHFN), Clifton Bancorp (CSBK), Westfield Financial (WNEB), BankFinancial (BFIN), NASB Financial (NASB), Territorial Bancorp (TBNK), Northrim BanCorp (NRIM), Codorus Valley Bancorp (CVLY), First Guaranty Bank (FGBI) and BCB Bancorp (BCBP).
Who are 1st Constitution Bancorp's key executives?
1st Constitution Bancorp's management team includes the folowing people:
- Mr. Robert F. Mangano, Pres & CEO (Age 72)
- Mr. Stephen J. Gilhooly, Sr. VP, CFO, Principal Accounting Officer & Treasurer (Age 66)
- Mr. William M. Rue CPCU, Corp. Sec. & Director (Age 70)
- Dorine M. Nicol, Sr. VP of 1St Constitution Bank and HR Director of 1St Constitution Bank
Has 1st Constitution Bancorp been receiving favorable news coverage?
News coverage about FCCY stock has been trending positive on Monday, Accern reports. The research firm identifies positive and negative media coverage by monitoring more than twenty million blog and news sources in real time. Accern ranks coverage of companies on a scale of negative one to one, with scores nearest to one being the most favorable. 1st Constitution Bancorp earned a media sentiment score of 0.48 on Accern's scale. They also assigned media headlines about the financial services provider an impact score of 46.62 out of 100, indicating that recent media coverage is somewhat unlikely to have an effect on the company's share price in the next several days.
Who are 1st Constitution Bancorp's major shareholders?
1st Constitution Bancorp's stock is owned by many different of retail and institutional investors. Top institutional investors include Dimensional Fund Advisors LP (2.09%), Salzhauer Michael (1.42%), Commonwealth Equity Services LLC (0.31%), Millennium Management LLC (0.17%) and ZPR Investment Management (0.15%). Company insiders that own 1st Constitution Bancorp stock include Charles S Crow III, Edwin J Pisani, 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 Millennium Management LLC, ZPR Investment Management, Dimensional Fund Advisors LP and Salzhauer Michael. Company insiders that have bought 1st Constitution Bancorp stock in the last two years include Charles S Crow III, Edwin J Pisani, 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 $21.10.
How big of a company is 1st Constitution Bancorp?
1st Constitution Bancorp has a market capitalization of $176.47 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.
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 (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.
1st Constitution Bancorp (NASDAQ:FCCY) Price Target and Consensus Rating
(How are Consensus Ratings Calculated?) MarketBeat calculates consensus analyst ratings for stocks using the most recent rating from each Wall Street analyst that has rated a stock within the last twelve months. Each analyst's rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Analyst consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings from Wall Street analysts. Each stock's consensus analyst rating is derived from its calculated consensus ratings score (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.
1 Wall Street analysts have issued ratings and price targets for 1st Constitution Bancorp in the last 12 months. Their average twelve-month price target is $18.00, suggesting that the stock has a possible downside of 14.69%. The high price target for FCCY is $18.00 and the low price target for FCCY is $18.00. There are currently 1 hold rating for the stock, resulting in a consensus rating of "Hold."
| Today | 30 Days Ago | 90 Days Ago | 180 Days Ago |
| Consensus Rating: | Hold | Hold | Hold | Hold |
| Consensus Rating Score: | 2.00 | 2.00 | 2.00 | 2.00 |
| Ratings Breakdown: | 0 Sell Rating(s)
1 Hold Rating(s)
0 Buy Rating(s)
0 Strong Buy Rating(s) | 0 Sell Rating(s)
1 Hold Rating(s)
0 Buy Rating(s)
0 Strong Buy Rating(s) | 0 Sell Rating(s)
1 Hold Rating(s)
0 Buy Rating(s)
0 Strong Buy Rating(s) | 0 Sell Rating(s)
1 Hold Rating(s)
0 Buy Rating(s)
0 Strong Buy Rating(s) |
| Consensus Price Target: | $18.00 | $18.00 | $18.00 | $18.00 |
| Price Target Upside: | 14.69% downside | 4.65% upside | 4.65% upside | 4.65% upside |
1st Constitution Bancorp (NASDAQ:FCCY) Consensus Price Target History
1st Constitution Bancorp (NASDAQ:FCCY) Analyst Ratings History
Show:
| Date | Brokerage | Action | Rating | Price Target | Impact on Share Price | Details |
|---|
| 9/1/2017 | DA Davidson | Initiated Coverage | Neutral | $18.00 | Medium |  |
(Data available from 5/21/2016 forward)
1st Constitution Bancorp (NASDAQ:FCCY) Dividend Information
1st Constitution Bancorp pays an annual dividend of $0.24 per share, with a dividend yield of 1.14%. FCCY's next quarterly dividend payment will be made on Wednesday, May 23. 1st Constitution Bancorp pays out 22.64% of its earnings out as a dividend.
| Next Dividend: | 5/23/2018 |
| Annual Dividend: | $0.24 |
| Dividend Yield: | 1.14% |
| Payout Ratio(s): | 22.64% (Trailing 12 Months of Earnings)
17.27% (Based on This Year's Estimates)
16.55% (Based on Next Year's Estimates)
17.49% (Based on Cash Flow)
|
1st Constitution Bancorp (NASDAQ:FCCY) Dividend History by Quarter
| Announced | Period | Amount | Yield | Ex-Dividend Date | Record Date | Payable Date |
|---|
| 4/23/2018 | quarterly | $0.06 | 1.11% | 5/10/2018 | 5/11/2018 | 5/23/2018 |
| 2/5/2018 | quarterly | $0.06 | 1.25% | 2/15/2018 | 2/16/2018 | 2/27/2018 |
| 10/27/2017 | quarterly | $0.06 | 1.3% | 11/15/2017 | 11/16/2017 | 11/24/2017 |
| 6/23/2017 | Quarterly | $0.05 | 1.18% | 6/29/2017 | 7/3/2017 | 7/25/2017 |
| 3/20/2017 | Quarterly | $0.05 | | 3/30/2017 | 4/3/2017 | 4/25/2017 |
| 12/19/2016 | quarterly | $0.05 | 1.16% | 12/29/2016 | 1/3/2017 | 1/25/2017 |
| 9/19/2016 | quarterly | $0.05 | | 9/26/2016 | 9/28/2016 | 10/21/2016 |
(Data available from 1/1/2013 forward)
1st Constitution Bancorp (NASDAQ FCCY) Insider Trading and Institutional Ownership History
Insider Ownership Percentage: 14.61%
Institutional Ownership Percentage: 28.23%
1st Constitution Bancorp (NASDAQ FCCY) Insider Trading History
| Transaction Date | Insider Name | Title | Buy/Sell | Number of Shares | Average Share Price | Total Transaction | Shares Held After Transaction | Details |
|---|
| 5/14/2018 | Charles S Crow III | Director | Buy | 2,508 | $21.28 | $53,370.24 | | |
| 4/27/2018 | Roy D Tartaglia | Director | Sell | 1,000 | $22.00 | $22,000.00 | | |
| 4/23/2018 | Roy D Tartaglia | Director | Sell | 1,000 | $21.85 | $21,850.00 | 39,990 | |
| 11/13/2017 | Roy D Tartaglia | Director | Buy | 250 | $17.50 | $4,375.00 | 41,240 | |
| 1/24/2017 | Charles S Crow III | Director | Buy | 375 | $16.00 | $6,000.00 | 43,325 | |
| 12/1/2016 | Edwin J Pisani | Director | Buy | 4,000 | $15.88 | $63,520.00 | 15,500 | |
| 11/29/2016 | William M Rue | Director | Buy | 4,000 | $16.00 | $64,000.00 | 201,629 | |
| 11/18/2016 | William M Rue | Director | Buy | 2,000 | $13.65 | $27,300.00 | 199,629 | |
| 8/16/2016 | Edwin J Pisani | Director | Buy | 2,700 | $12.90 | $34,830.00 | 12,100 | |
| 2/5/2016 | Charles S. Crow III | Director | Buy | 2,470 | $11.75 | $29,022.50 | | |
| 10/28/2015 | John P. Costas | Director | Buy | 38,363 | $12.21 | $468,412.23 | 407,019 | |
| 10/27/2015 | John P. Costas | Director | Buy | 27,702 | $12.21 | $338,241.42 | 368,656 | |
| 5/24/2013 | Frank E Walsh III | Director | Buy | 3,224 | $8.97 | $28,919.28 | | |
| 5/16/2013 | Frank E Walsh III | Director | Buy | 2,000 | $8.90 | $17,800.00 | | |
| 5/10/2013 | John P Costas | Director | Buy | 8,577 | $8.97 | $76,935.69 | | |
| 3/19/2013 | Charles S Crow III | Director | Buy | 1,850 | $8.94 | $16,539.00 | | |
| 11/14/2012 | John P Costas | Director | Buy | 5,250 | $8.94 | $46,935.00 | | |
| 11/12/2012 | John P Costas | Director | Buy | 28,329 | $8.94 | $253,261.26 | | |
(Data available from 1/1/2013 forward)
1st Constitution Bancorp (NASDAQ FCCY) News Headlines
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1st Constitution Bancorp (NASDAQ:FCCY) SEC Filings
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1st Constitution Bancorp (NASDAQ:FCCY) Income Statement, Balance Sheet and Cash Flow Statement
1st Constitution Bancorp (NASDAQ FCCY) Stock Chart for Monday, May, 21, 2018
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