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1st Constitution Bancorp

FCCY $19.65 0.2  0.9%
2:50pm

Momentum
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1m
3m
1yr
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52w High
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Margin of Safety (beta)
Screens Passed
Balance Sheet · Income Statement · Cashflow Financial Summary
Year End 31st Dec 2012 2013 2014 2015 2016 2017 TTM 2018E 2019E CAGR / Avg
Revenue $m
Operating Profit $m
Net Profit $m
EPS Reported $
EPS Normalised $
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PE Ratio x
PEG x
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Last ex-div: 8th Nov, paid: 22nd Nov more... Dividends
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Dividend Cover x
Balance Sheet
Cash etc $m
Working Capital $m
Net Fixed Assets $m
Net Debt $m
Book Value $m
Average Shares m
Book Value ps $ +7.0%

FINANCIAL BRIEF: For the nine months ended 30 September 2018, 1st Constitution Bancorp interest income increased 24% to $37.7M. Net interest income after loan loss provision increased 21% to $31.4M. Net income increased 37% to $8.7M. Net interest income after loan loss provision reflects Net Interest Margin, Total -% increase of 7% to 4.06%, Net Interest Spread, Total -% increase of 6% to 3.78%, Loans, including fees increase of 26% to $33.1M. more »

Health Trend
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  Earnings Manipulation Risk
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Recent History
Latest interim period (ended 30th Sep '18) vs. prior year
Sales Growth %
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Broker Forecasts
31st Dec 2018
31st Dec 2019

Price Target: $21.0
(+5.11% above Price)
Net Profit EPS DPS Net Profit EPS DPS
Est. Long Term Growth Rate: +8.0% ($) ($) ($) ($) ($) ($)
Consensus Estimate
1m Change
3m Change
2 brokers Broker Consensus Trend
Broker Recommendations for 1st Constitution Bancorp
Recommendation:Strong SellSellHoldBuyStrong Buy
No. of Analysts: 0 0 2 0 0

Named Brokers and Analysts
D.A. Davidson & Company Russell E Gunther , Raymond James William J. Wallace ,

Profile Summary

1st Constitution Bancorp is the bank holding company for 1st Constitution Bank (the Bank). The Bank is a commercial bank, which is engaged in the business of commercial and retail banking. The Company operates through the Community Banking segment. The Community Banking segment consists of construction, commercial, retail and mortgage banking operations. As a community bank, the Bank offers a range of services (including demand, savings and time deposits and commercial and consumer/installment loans) to individuals, small businesses and not-for-profit organizations principally in the Fort Lee area of Bergen County and in Middlesex, Mercer, Somerset and Monmouth Counties of New Jersey. The Bank's Mortgage Warehouse Funding Group offers revolving lines of credit that are available to licensed mortgage banking companies (the Warehouse Line of Credit). The Bank's investment activities are classified as available for sale and held to maturity securities.

Directors: Charles Crow (CHM) 65, Robert Mangano (PRE) 69, Stephen Gilhooly (CFO) 62, Naqi Naqvi (SVP) 60, William Rue (SEC) 70, James Aaron (DRC) 70, William Barrett (DRC) , J Cannon (DRC) , Antonio Cruz (DRC) , Carmen Penta (DRC) 71,

No. of Employees: 174 No. of Shareholders: 277


Last Annual December 31st, 2017
Last Interim September 30th, 2018
Incorporated February 1, 1999
Shares in Issue 8,404,292
Free Float 6.93m (82.4%)
Sector Financials
Industry Banking Services
Index Nasdaq Composite ,
Exchange NASDAQ Global Market
Eligible for an ISA? a SIPP?

FCCY Share Price Performance FCCYQuote
$19.65
0.2  0.9%
Traded 2:50pm · Minimum 15 min delayed · NMS:

Latest FCCY News Announcements (delayed)

Upcoming FCCY Events
Thursday 31st January, 2019 (estimate)
Q4 2018 1st Constitution Bancorp Earnings Release

Recent ↓
Thursday 8th November, 2018
Dividend For FCCY.OQ
Friday 19th October, 2018
Q3 2018 1st Constitution Bancorp Earnings Release
Thursday 9th August, 2018
Dividend For FCCY.OQ
Thursday 10th May, 2018
Dividend For FCCY.OQ
Thursday 26th April, 2018 (estimate)
Q1 2018 1st Constitution Bancorp Earnings Release
Thursday 15th February, 2018
Dividend For FCCY
Friday 2nd February, 2018
Q4 2017 1st Constitution Bancorp Earnings Release
Wednesday 15th November, 2017
Dividend For FCCY
Thursday 26th October, 2017
Q3 2017 1st Constitution Bancorp Earnings Release
Friday 20th October, 2017 (estimate)
Q3 2017 1st Constitution Bancorp Earnings Release
Friday 21st July, 2017
Q2 2017 1st Constitution Bancorp Earnings Release
Thursday 29th June, 2017
Dividend For FCCY
Monday 24th April, 2017
Q1 2017 1st Constitution Bancorp Earnings Release
Thursday 30th March, 2017
Dividend For FCCY
Thursday 2nd February, 2017
Q4 2016 1st Constitution Bancorp Earnings Release
Thursday 29th December, 2016
Dividend For FCCY
Friday 21st October, 2016
Q3 2016 1st Constitution Bancorp Earnings Release
Monday 26th September, 2016
Dividend For FCCY
Friday 22nd July, 2016
Q2 2016 1st Constitution Bancorp Earnings Release
Friday 22nd April, 2016
Q1 2016 1st Constitution Bancorp Earnings Release


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