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 Ratio20.05
Forward P/E Ratio15.94
P/E Growth1.62
Sales & Book Value
Annual Sales$49.90 million
Price / Sales3.71
Cash Flow$1.3481 per share
Price / Cash16.43
Book Value$13.83 per share
Price / Book1.60
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. Investors of record on Friday, May 11th will be paid a dividend of $0.06 per share on Wednesday, May 23rd. This represents a $0.24 annualized dividend and a yield of 1.08%. The ex-dividend date 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) released its quarterly earnings data on Monday, April, 23rd. The financial services provider reported $0.36 EPS for the quarter, beating the Zacks' consensus estimate of $0.34 by $0.02. The financial services provider had revenue of $11.56 million for the quarter, compared to analyst estimates of $11.97 million. 1st Constitution Bancorp had a return on equity of 8.88% and a net margin of 15.24%. 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 brokerages have issued twelve-month price objectives for 1st Constitution Bancorp's shares. Their forecasts range from $18.00 to $18.00. On average, they expect 1st Constitution Bancorp's stock price to reach $18.00 in the next year. 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 Sterling Bancorp (SBT), First Defiance Financial (FDEF), Access National (ANCX), Hometrust Bancshares (HTBI), Waterstone Financial (WSBF), Farmers & Merchants Bancorp, Inc. (OH) Common Stock (FMAO), Charter Financial (CHFN), Clifton Bancorp (CSBK), Western New England Bancorp (WNEB), BankFinancial (BFIN), Territorial Bancorp (TBNK), NASB Financial (NASB), PDL Community Bancorp (PDLB), Northrim BanCorp (NRIM) and Codorus Valley Bancorp (CVLY).
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?
Media headlines about FCCY stock have trended somewhat positive recently, Accern Sentiment Analysis reports. The research firm identifies negative and positive news coverage by analyzing more than twenty million news and blog 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 daily sentiment score of 0.15 on Accern's scale. They also gave media stories about the financial services provider an impact score of 44.68 out of 100, indicating that recent news coverage is somewhat unlikely to have an impact on the stock's share price in the next few days.
Who are 1st Constitution Bancorp's major shareholders?
1st Constitution Bancorp's stock is owned by a number of 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 major investors are selling 1st Constitution Bancorp stock?
Which major 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 $22.15.
How big of a company is 1st Constitution Bancorp?
1st Constitution Bancorp has a market capitalization of $188.60 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.
