1st Constitution Bancorp Financials

Based on the analysis of 1st Constitution's profitability, liquidity, and operating efficiency, 1st Constitution Bancorp is not in a good financial situation at the moment. It has a very high risk of going through financial straits in May.
With this module, you can analyze 1st financials for your investing period. You should be able to track the changes in 1st Constitution individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past 1st Constitution Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of 1st Constitution's financial statements are interrelated, with each one affecting the others. For example, an increase in 1st Constitution's assets may result in an increase in income on the income statement.
The data published in 1st Constitution's official financial statements usually reflect 1st Constitution's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of 1st Constitution Bancorp. For example, before you start analyzing numbers published by 1st accountants, it's critical to develop an understanding of what 1st Constitution's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of 1st Constitution's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, 1st Constitution's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in 1st Constitution's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of 1st Constitution Bancorp. Please utilize our Beneish M Score to check the likelihood of 1st Constitution's management manipulating its earnings.

1st Constitution Stock Summary

1st Constitution competes with Verra Mobility, Nexstar Broadcasting, Diageo PLC, Molson Coors, and Altria. 1st Constitution Bancorp operates as the bank holding company for 1st Constitution Bank that provides commercial and retail banking products and services in the central, coastal, and northeastern areas of New Jersey. As of February 2, 2021, the company operated 25 banking offices in Asbury Park, Cranbury, Fair Haven, Fort Lee, Freehold, Hamilton, Hightstown, Hillsborough, Hopewell, Jackson, Jamesburg, Lawrenceville, Little Silver, Long Branch, Manahawkin, Neptune City, Perth Amboy, Plainsboro, Princeton, Rocky Hill, Rumson, Shrewsbury and Toms River, and New Jersey. 1st Constitution Bancorp was founded in 1989 and is based in Cranbury, New Jersey. 1st Constitution operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 215 people.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS31986N1028
Business Address2650 Route 130,
SectorFinancial Services
IndustryBanks—Regional
BenchmarkNYSE Composite
Websitewww.1stconstitution.com
Phone609 655 4500
CurrencyUSD - US Dollar
You should never invest in 1st Constitution without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of 1st Stock, because this is throwing your money away. Analyzing the key information contained in 1st Constitution's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

1st Constitution Key Financial Ratios

Generally speaking, 1st Constitution's financial ratios allow both analysts and investors to convert raw data from 1st Constitution's financial statements into concise, actionable information that can be used to evaluate the performance of 1st Constitution over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that 1st Constitution Bancorp reports annually and quarterly.

1st Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining 1st Constitution's current stock value. Our valuation model uses many indicators to compare 1st Constitution value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across 1st Constitution competition to find correlations between indicators driving 1st Constitution's intrinsic value. More Info.
1st Constitution Bancorp is one of the top stocks in return on equity category among related companies. It is one of the top stocks in return on asset category among related companies reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for 1st Constitution Bancorp is roughly  9.83 . Comparative valuation analysis is a catch-all model that can be used if you cannot value 1st Constitution by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for 1st Constitution's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the 1st Constitution's earnings, one of the primary drivers of an investment's value.
Check out Investing Opportunities to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
Note that the 1st Constitution Bancorp information on this page should be used as a complementary analysis to other 1st Constitution's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.

Other Consideration for investing in 1st Stock

If you are still planning to invest in 1st Constitution Bancorp check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the 1st Constitution's history and understand the potential risks before investing.
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