1st Constitution Bancorp (NJ) (FCCY): Price and Financial Metrics

FCCY POWR Grades

• FCCY scores best on the Sentiment dimension, with a Sentiment rank ahead of 88.53% of US stocks.
• The strongest trend for FCCY is in Value, which has been heading down over the past 63 days.
• FCCY ranks lowest in Growth; there it ranks in the 20th percentile.

FCCY Stock Summary

• FCCY's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.4% of US stocks.
• With a year-over-year growth in debt of -75.54%, 1St Constitution Bancorp's debt growth rate surpasses just 4.27% of about US stocks.
• 1St Constitution Bancorp's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 38.25%, greater than the shareholder yield of 94.82% of stocks in our set.
• Stocks that are quantitatively similar to FCCY, based on their financial statements, market capitalization, and price volatility, are BFC, FBMS, FVCB, SAL, and ABTX.
• FCCY's SEC filings can be seen here. And to visit 1St Constitution Bancorp's official web site, go to www.1stconstitution.com.

FCCY Valuation Summary

• In comparison to the median Financial Services stock, FCCY's price/sales ratio is 158.33% higher, now standing at 3.1.
• FCCY's price/sales ratio has moved down 0 over the prior 243 months.
• Over the past 243 months, FCCY's price/sales ratio has gone down 0.

Below are key valuation metrics over time for FCCY.

FCCY Growth Metrics

Its 3 year net cashflow from operations growth rate is now at -26.85%.
• Its year over year net cashflow from operations growth rate is now at 426.01%.
• The 5 year revenue growth rate now stands at 30.5%.

Over the past 33 months, FCCY's revenue has gone up $22,552,000.

The table below shows FCCY's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-09-30	73.002	86.473	21.576
2021-06-30	72.659	37.366	21.056
2021-03-31	69.907	34.927	19.594
2020-12-31	66.448	6.659	18.086
2020-09-30	61.942	-6.018	15.265
2020-06-30	57.547	13.548	13.978

FCCY's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• FCCY has a Quality Grade of C, ranking ahead of 50.94% of graded US stocks.
• FCCY's asset turnover comes in at 0.04 -- ranking 176th of 433 Banking stocks.
• TFC, AGM, and BMTC are the stocks whose asset turnover ratios are most correlated with FCCY.

The table below shows FCCY's key quality metrics over time.