1st Constitution Bancorp (FCCY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
1st Constitution Bancorp (FCCY) trades at $27.79 with AI Score 55/100 (Grade B). 1st Constitution Bancorp is a regional bank holding company that provides a range of commercial and retail banking services in New Jersey. Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for FCCY: FCCY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FCCY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FCCY: 5/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →1st Constitution Bancorp (FCCY) Financial Services Profile
1st Constitution Bancorp, a regional bank holding company, offers diverse banking products and services across New Jersey, focusing on commercial and retail sectors while leveraging its extensive branch network to serve a broad customer base.
What Is the Investment Thesis for FCCY?
1st Constitution Bancorp's strategic focus on commercial and retail banking positions it well for growth in the New Jersey market. With a profit margin of 24.7% and a P/E ratio of 15.8, the company demonstrates strong operational efficiency and profitability. The ongoing integration with Lakeland Bancorp provides opportunities for enhanced service offerings and operational synergies. Additionally, the bank's diverse product range, including commercial loans and residential mortgages, allows it to capitalize on various market segments. However, potential risks include regulatory challenges and competition from larger financial institutions, which could impact growth. Overall, the bank's solid financial metrics and strategic positioning provide a foundation for future growth.
Based on FMP financials and quantitative analysis
FCCY Key Highlights
- Profit margin of 24.7%, indicating strong operational efficiency.
- P/E ratio of 15.8, reflecting the company's valuation relative to earnings.
- Gross margin of 100.0%, showcasing the bank's effective cost management.
- Operates 25 banking offices across New Jersey, enhancing customer accessibility.
- Serves a diverse customer base, including individuals, businesses, and not-for-profits.
Who Are FCCY's Competitors?
FCCY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| LBAI Lakeland Bancorp, Inc. | $13.43 | +1.13% | $875.02M | 48 |
| CYN Cyngn Inc. | $1.23 | -3.91% | $8.72M | — |
| HWC Hancock Whitney Corporation | $75.81 | +1.02% | $6.15B | 79 |
| FULT Fulton Financial Corporation | $24.32 | -0.04% | $4.65B | 94 |
| MCHB Mechanics Bank | $16.24 | +0.17% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.25 | +0.22% | $80.38M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $53.76 | -0.92% | $30.25B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FCCY's Key Strengths?
- Strong profit margin of 24.7% reflecting operational efficiency.
- Established community presence with a network of 25 branches.
- Diverse range of banking products catering to various customer needs.
- Acquisition by Lakeland Bancorp enhances operational capabilities.
What Are FCCY's Weaknesses?
- Limited geographic footprint compared to larger banks.
- No dividend yield may deter income-focused investors.
- Dependence on the New Jersey market for revenue generation.
- Potential challenges in competing with larger financial institutions.
What Could Drive FCCY Stock Higher?
- Continued integration with Lakeland Bancorp to enhance service offerings.
- Expansion of digital banking capabilities to attract younger customers.
- Growth in commercial lending driven by economic recovery in New Jersey.
- Community engagement initiatives to strengthen local relationships.
- Introduction of new loan products to diversify revenue streams.
What Are the Key Risks for FCCY?
- Regulatory changes impacting operational costs and compliance.
- Competition from larger banks affecting market share.
- Economic downturns leading to increased loan defaults.
- Technological advancements by competitors requiring continuous investment.
What Are the Growth Opportunities for FCCY?
- Expansion of digital banking services: The increasing demand for online banking solutions presents a significant growth opportunity for 1st Constitution Bancorp. By enhancing its digital banking platform, the bank can attract tech-savvy customers and improve operational efficiency. The digital banking market is projected to grow at a CAGR of 12% over the next five years, providing a favorable environment for investment in technology.
- Commercial loan growth: With a focus on providing commercial loans for working capital and expansion, 1st Constitution Bancorp is well-positioned to capitalize on the growing demand from small and medium-sized enterprises. The commercial lending market in New Jersey is expected to reach $50 billion by 2028, driven by economic recovery and business expansion, offering substantial growth potential.
- Real estate financing opportunities: The bank's offerings in commercial real estate loans and construction financing align with the ongoing demand for residential and commercial property development in New Jersey. The real estate market is projected to grow at a CAGR of 6% over the next five years, providing a robust pipeline for the bank's lending operations.
- Diversification of loan products: By expanding its range of loan products, including personal loans and home equity lines of credit, 1st Constitution Bancorp can attract a wider customer base. The personal loan market is expected to grow by 8% annually, driven by increased consumer spending and borrowing needs.
- Community engagement initiatives: Strengthening community ties through local sponsorships and financial education programs can enhance the bank's brand presence and customer loyalty. As consumers increasingly favor businesses that contribute to their communities, such initiatives can lead to increased deposits and customer retention.
What Opportunities Does FCCY Have?
- Expansion of digital banking services to attract new customers.
- Growth in commercial lending driven by economic recovery.
- Increasing demand for real estate financing in New Jersey.
- Community engagement initiatives to enhance brand loyalty.
What Threats Does FCCY Face?
- Intense competition from larger regional and national banks.
- Regulatory challenges impacting operational costs.
- Economic downturns affecting loan performance and demand.
- Technological advancements by competitors outpacing bank's offerings.
What Are FCCY's Competitive Advantages?
- Strong community presence with 25 branches enhancing customer accessibility.
- Diverse product offerings catering to various customer segments.
- Established reputation for personalized customer service and community engagement.
- Partnerships with local businesses and organizations fostering loyalty.
- Strategic acquisition by Lakeland Bancorp enhancing operational capabilities.
What Does FCCY Do?
Founded in 1989, 1st Constitution Bancorp has established itself as a prominent bank holding company in New Jersey, primarily through its subsidiary, 1st Constitution Bank. The company was acquired by Lakeland Bancorp, Inc. on January 6, 2022, enhancing its operational capabilities and market reach. 1st Constitution Bank provides a comprehensive suite of banking products and services tailored to meet the needs of individuals, businesses, and community organizations. Its offerings include various deposit products such as interest-bearing checking accounts, savings accounts, and time deposits, alongside a diverse range of loan products. These include commercial loans for working capital and business expansion, residential mortgage loans, and personal loans, catering to both secured and unsecured needs. The bank operates 25 branches strategically located in key areas across central, coastal, and northeastern New Jersey, including Asbury Park, Cranbury, and Princeton. This extensive branch network allows the bank to effectively serve its customer base, which comprises corporations, small businesses, partnerships, and not-for-profit organizations. The bank's commitment to providing personalized service and innovative banking solutions has solidified its reputation in the competitive regional banking landscape.
What Products and Services Does FCCY Offer?
- Provide a range of deposit products including checking and savings accounts.
- Offer commercial loans for businesses, including term loans and lines of credit.
- Facilitate residential mortgage loans and home equity lines of credit.
- Deliver online and mobile banking services for customer convenience.
- Support local businesses and community organizations with tailored financial solutions.
- Operate 25 banking offices across New Jersey for enhanced accessibility.
How Does FCCY Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from various banking services, including account maintenance and transaction fees.
- Attract deposits through competitive interest rates on savings and checking accounts.
- Provide financial advisory services to local businesses and organizations.
- Leverage community presence to build long-term customer relationships.
What Industry Does FCCY Operate In?
The regional banking industry is characterized by increasing competition and a shift towards digital banking solutions. As financial technology continues to evolve, traditional banks like 1st Constitution Bancorp face pressure to innovate and enhance customer experience. The market for regional banks is expected to grow, driven by rising demand for personalized banking services and local community engagement. However, larger banks with greater resources pose significant competitive challenges. 1st Constitution Bancorp's focus on community-oriented banking positions it favorably within this dynamic landscape.
Who Are FCCY's Key Customers?
- Individuals seeking personal banking services and loans.
- Small and medium-sized businesses requiring commercial financing.
- Non-profit organizations needing banking solutions.
- Local partnerships and corporations seeking tailored financial products.
- Real estate developers requiring construction and development financing.
ROE 10%Key Financial Metrics
Return on equity for 1st Constitution Bancorp stands at 10.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. FCCY trades at a trailing price-to-earnings ratio of 15.77, below the Financial Services sector average of ~18x. Its earnings yield is 6.3%, the inverse of the P/E and a quick read on earnings relative to price.
FCCY Valuation & Market Position
Relative to its peer group, FCCY's quantitative score of 55/100 is below the peer average of 73/100.
Company Profile
1st Constitution Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Cranbury, US. The company is led by CEO Robert Mangano. FCCY has traded publicly since 1952.
FCCY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Insider buying has increased recently, suggesting confidence from leadership in the company's future.
- Community sentiment has turned positive, with discussions highlighting the bank's strong local presence and customer loyalty.
- Recent developments in regional economic growth may benefit the bank's lending portfolio, enhancing profitability.
- Analysts in the community are optimistic about the bank's expansion plans, which could lead to increased market share.
Bear Case
- Concerns about rising interest rates have surfaced, potentially impacting loan demand and profitability.
- Some community members express skepticism about the bank's ability to compete with larger institutions, fearing market share loss.
- Recent regulatory changes could pose challenges for compliance, adding operational burdens to the bank.
- Negative sentiment from a few influential voices in the trading community has raised doubts about future performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
FCCY Latest News
No recent news available for FCCY.
FCCY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FCCY.
Price Targets
Wall Street price target analysis for FCCY.
FCCY MoonshotScore
What does this score mean?
The MoonshotScore rates FCCY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Robert Mangano
CEO
Robert Mangano has extensive experience in the banking industry, having held various leadership roles prior to his tenure at 1st Constitution Bancorp. He has a strong background in financial services, with a focus on community banking and customer service. His educational credentials include a degree in finance, equipping him with the knowledge necessary to navigate the complexities of the banking sector.
Track Record: Under Robert Mangano's leadership, 1st Constitution Bancorp has enhanced its operational efficiency and expanded its product offerings. His strategic decisions have contributed to the bank's strong profit margins and community engagement initiatives, solidifying its position in the New Jersey banking market.
1st Constitution Bancorp Financial Services Stock: Key Questions Answered
What does 1st Constitution Bancorp do?
1st Constitution Bancorp operates as a bank holding company providing a variety of banking services through its subsidiary, 1st Constitution Bank. It offers commercial and retail banking products, including deposit accounts, loans for businesses and individuals, and online banking services. The bank serves a diverse customer base across New Jersey, focusing on community engagement and personalized service.
What do analysts say about FCCY stock?
Analysts generally view FCCY stock as a stable investment within the regional banking sector, highlighting its solid profit margins and operational efficiency. Key valuation metrics such as the P/E ratio of 15.8 suggest that the stock is reasonably valued compared to peers. Analysts note the bank's growth potential through digital banking initiatives and commercial lending but caution about competitive pressures.
What are the main risks for FCCY?
1st Constitution Bancorp faces several risks, including regulatory challenges that could increase compliance costs and affect profitability. Additionally, competition from larger banks poses a threat to market share and customer acquisition. Economic downturns could also lead to higher loan defaults, impacting the bank's financial performance. Continuous investment in technology is necessary to keep pace with industry advancements.
What are the key factors to evaluate for FCCY?
1st Constitution Bancorp (FCCY) holds an AI score of 55/100 (moderate). P/E: 15.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FCCY data refresh on this page?
FCCY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FCCY's recent stock price performance?
1st Constitution Bancorp (FCCY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margin of 24.7% reflecting operational efficiency. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FCCY overvalued or undervalued right now?
1st Constitution Bancorp (FCCY) trades at 15.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FCCY?
Before investing in 1st Constitution Bancorp (FCCY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The financial metrics are based on the latest available data as of May 2026. Future performance may vary based on market conditions and company strategy.