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1st Constitution Bancorp (FCCY)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Telegram1st Constitution Bancorp Financial Ratios 2020-2011 | FCCY
Brief overview of 1st Constitution Bancorp's financial ratios
Current figures are compared with the company's own five-year history for 2016–2020.
The current valuation set is P/E 8.74x (median 13.8x), P/B 0.84x (median 1.26x), P/CF 42.82x (median 14.36x). The current ratio basket stands about 33% below the five-year comparison base. Earnings and risk trends should explain the discount.
At the current P/E, inverse earnings yield is 11.4%, a useful bridge between price and business earnings.
End-period return metrics are ROE 9.6%, ROA 1%, ROCE 3.4%. Low capital returns limit the ability to compound value internally.
On PEG (0.27x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Conclusion
1st Constitution Bancorp's discount may reflect genuine profitability issues rather than market inefficiency alone.
Annual Financial Ratios 1st Constitution Bancorp
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E |
8.7 | 13.8 | 13.6 | 22.3 | 14.2 | 11.1 | 18.6 | 11.2 | 10.9 | 10.4 |
P/S |
2.2 | 3.4 | 3.2 | 3.5 | 3.1 | 2.2 | 2.1 | 2.1 | 1.7 | 1.5 |
EV/EBITDA |
2.7 | - | - | - | - | - | - | - | - | - |
PEG |
0.27 | 2.22 | 0.2 | -0.84 | 2.23 | 0.12 | -0.52 | 1.04 | 0.46 | 0.57 |
P/B |
0.8 | 1.1 | 1.3 | 1.4 | 1.3 | 1.0 | 0.9 | 0.9 | 0.8 | 0.7 |
P/CF |
42.8 | 14.4 | 9.8 | 7.3 | 60.4 | 6.9 | 5.1 | 1.8 | -8.2 | 4.3 |
ROE % |
9.64 | 7.99 | 9.48 | 6.20 | 8.86 | 9.03 | 5.00 | 8.46 | 7.78 | 7.15 |
ROA % |
1.00 | 0.86 | 1.02 | 0.64 | 0.89 | 0.90 | 0.46 | 0.78 | 0.60 | 0.50 |
ROCE % |
3.43 | - | - | - | - | - | - | - | - | - |
DSO |
26.3 | 32.5 | 27.6 | 28.6 | 26.5 | 23.9 | 29.4 | 30.4 | 31.8 | 39.7 |
Annual performance
Select metrics to display
All numbers in USD currency
Multiples are an important financial analysis tool for the company 1st Constitution Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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