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1st Constitution Bancorp (NJ) (FCCY) Stock Guide

September 18, 2020
50
Bull Case
  • Revenue growth higher than the industry and sector averages
  • Forward dividend yield higher than the industry and sector averages
  • Forward PEG ratio low relative to industry peers
  • Average analyst stock price above current stock price
Bear Case
  • Company’s profitability is declining
  • High short interest
  • Cash/Debt ratio is lower than the industry and sector averages
  • Enterprise Value/Revenue ratio low relative to industry peers

Before we start: if you're looking for FCCY stock price, you can quickly find it out by visiting Finny and typing "FCCY quote". If you're looking for a quick scoop on FCCY stock (chart, price target, market cap, news and buy or sell analysis), go to Finny and look for "FCCY". You'll get all this info in one place. Or you can just type "FCCY news" to get the latest stock news.

Looking to buy or sell 1st Constitution Bancorp (NJ) (FCCY)? Interested in getting the full scoop on FCCY, including earnings and dividends, stock forecast, buy or sell analysis and key stats? If so, you came to the right place.

In this FCCY stock guide, we'll address key questions about FCCY, above and beyond what you can find on Yahoo Finance, Zacks, MarketWatch or Morningstar.

Here is what you'll be able to find in this guide:

Earnings and Dividends: earnings, earnings date, dividend rate and dividend yield;
Analyst Predictions: stock forecast and analyst ratings;
Analysis: Finny Score and buy or sell analysis;
Key Stats: revenue, market cap, revenue growth, profit margin, P/E ratio, P/B ratio, industry, sector, and number of employees.

And here is the list of questions we'll answer:
1. What are FCCY earnings?
2. What is FCCY dividend?
3. What is FCCY dividend yield?
4. What is FCCY stock forecast (i.e., prediction)?
5. FCCY buy or sell? What is FCCY Finny Score?
6. What are the reasons to buy FCCY? Why should I buy FCCY stock?
7. What are the reasons to sell FCCY? Why should I sell FCCY stock?
8. What are FCCY key stats: revenue, market cap, revenue growth, profit margin, P/E ratio, P/B ratio industry, sector, and number of employees?

So let's start. Scroll down to the question that interests you the most.

Earnings and Dividends

1. What are FCCY earnings?

FCCY trailing 12-month earnings per share (EPS) is $1.44.

2. What is FCCY dividend?

FCCY forward dividend is $0.36.

3. What is FCCY dividend yield?

FCCY forward dividend yield is 2.87%.

Analyst Predictions

4. What is FCCY stock forecast (i.e., prediction)?

Based on FCCY analyst price targets, FCCY stock forecast is $14.25 (for a year from now). That means the average analyst price target for FCCY stock is $14.25. The prediction is based on 2 analyst estimates.

The low price target for FCCY is $13.50, while the high price target is $15.00.

FCCY analyst rating is Hold.

Analysis

5. FCCY buy or sell? What is FCCY Finny Score?

Our quantitative analysis shows 4 reasons to buy and 4 reasons to sell FCCY, resulting in Finny Score of 50.

6. What are the reasons to buy FCCY? Why should I buy FCCY stock?

Here are the reasons to buy FCCY stock:

  • FCCY quarterly revenue growth was 12.30%, higher than the industry and sector average revenue growth (2.53% and 1.27%, respectively). See FCCY revenue growth chart.
  • FCCY forward dividend yield is 2.87%, higher than the industry (1.40%) and sector (1.11%) forward dividend yields. See FCCY forward dividend chart.
  • FCCY PEG ratio (P/E adjusted for growth) is 1.20, which is low compared to its industry peers’ PEG ratios. See FCCY PEG chart.
  • FCCY average analyst price target ($14.25) is above its current price ($12.09). See FCCY price target chart.

7. What are the reasons to sell FCCY? Why should I sell FCCY stock?

Let's look at the reasons to sell FCCY stock (i.e., the bear case):

  • FCCY profitability is declining. The YoY profit margin change was -5.56 percentage points. See FCCY profitability chart.
  • FCCY short interest (days to cover the shorts) ratio is 6.08. The stock garners more short interest than the average industry, sector or S&P 500 stock. See FCCY short interest ratio chart.
  • FCCY cash to debt ratio is 0.09, lower than the average industry (0.29) and sector (0.18) cash to debt ratio. See FCCY cash to debt chart.
  • FCCY Enterprise Value/Revenue multiple is 4.44, which is high compared to its industry peers’ Enterprise Value/Revenue multiples. See FCCY Enterprise Value/Revenue chart.

Key Stats

8. What are FCCY key stats : revenue, market cap, revenue growth, profit margin, P/E ratio, P/B ratio industry, sector, and number of employees?

Let's look at the key statistics for FCCY:

Metrics FCCY
Price $11.19
Average Price Target / Upside $14.25 / 27.35%
Average Analyst Rating Hold
Forward Dividend Yield 2.87%
Industry Banks - Regional - US
Sector Financial Services
Number of Employees 183
Market Cap $124.12M
Forward P/E Ratio 10.66
Price/Book Ratio 2.16
Revenue (TTM) $57.55M
YoY Quarterly Revenue Growth 12.30%
Profit Margin 24.29%

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