FCCY — Stock Film
STOCK FILMSCENE 1/10FCCY · $27.79
Stock Expert AI presents
FCCY
1st Constitution Bancorp
~3 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
1st Constitution Bancorp. A quick introduction.

On the stock market since 1952, it operates in the world of money and finance. It has 215 employees. Now — the numbers.

on the stock market since 1952
215 employees
WHERE DOES THE MONEY COME FROM?
34%Interchange Income
Interchange Income 34%Other Noninterest Income 32%Service Charges on Deposits, Other 21%Services Charges on Deposits, Overdraft Fees 10%Gain (Loss) on Sale of OREO 4%
34% of all revenue comes from a single line: Interchange Income.

Revenue is spread across several business lines; no single line carries the company.

Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $25 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 25%

This is an established company with proven profits.

THE SALES TREND
Sales are growing, year after year.

Average growth of 14% a year over the last 4 years. Every year shown ended in profit.

$42.6M
2016
$44.4M
2017
$51.1M
2018
$55.6M
2019
$73.1M
2020
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
5 / 8
EXPECTATIONS MET OR BEATEN
5
Jan 2020
May 2020
Jul 2020
Oct 2020
Feb 2021
May 2021
Jul 2021
Oct 2021
5 TIMES IN THE LAST 8 QUARTERS
A mixed scorecard.
THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 25% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 3 years, sales grew about 18% a year on average.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $0.39 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/1
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, FCCY sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: FCCY is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 23, 2026 · stockexpertai.com · Stock Film