$163.8 M

FCCY Mkt cap, 12-Dec-2018

$15.9 M

1st Constitution Bank Revenue Q3, 2018
1st Constitution Bank Gross profit (Q3, 2018)13.6 M
1st Constitution Bank Gross profit margin (Q3, 2018), %85%
1st Constitution Bank Net income (Q3, 2018)4 M
1st Constitution Bank EBIT (Q3, 2018)11.2 M
1st Constitution Bank Cash, 30-Sep-201819.3 M
1st Constitution Bank EV244 M

1st Constitution Bank Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

29.0m37.4m48.2m47.7m49.9m

Revenue growth, %

29%10%17%

Cost of goods sold

4.6m5.2m5.5m

Gross profit

43.6m42.6m44.4m

Gross profit Margin, %

90%89%89%

EBIT

35.2m35.7m36.2m

EBIT margin, %

73%75%72%

Pre tax profit

12.7m13.9m12.8m

Income tax expense

4.1m4.6m5.9m

Net Income

5.8m4.4m8.7m9.3m6.9m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018Q3, 2018

Revenue

11.3m11.4m12.6m12.3m11.9m12.9m14.9m15.9m

Cost of goods sold

1.2m1.3m1.4m1.3m1.3m1.5m1.9m2.4m

Gross profit

10.1m10.2m11.2m11.0m10.6m11.5m13.1m13.6m

Gross profit Margin, %

90%89%89%90%89%89%88%85%

EBIT

8.5m8.6m9.5m8.6m8.8m9.4m10.8m11.2m

EBIT margin, %

75%76%75%70%74%72%72%70%

Pre tax profit

3.3m3.4m4.2m2.8m2.8m3.7m2.6m5.4m

Income tax expense

1.0m1.1m1.5m852.0k841.0k1.2m714.0k1.4m

Net Income

1.5m641.7k(439.9k)2.1m2.3m2.2m2.3m2.7m1.9m1.9m2.5m1.9m4.0m

1st Constitution Bank Balance Sheet

Annual

USDFY, 2013FY, 2015FY, 2016FY, 2017

Cash

69.3m11.4m14.9m18.8m

Accounts Receivable

3.1m

Inventories

373.3m682.1m724.8m789.9m

PP&E

10.0m11.1m10.7m10.7m

Total Assets

742.3m968.0m1.0b1.1b

Accounts Payable

638.6m786.8m834.5m922.0m

Short-term debt

Long-term debt

Total Liabilities

674.0m872.0m933.4m967.6m

Retained Earnings

21.4m25.6m34.1m39.8m

Total Equity

96.0m104.8m111.7m

Financial Leverage

10.1 x9.9 x9.7 x

1st Constitution Bank Cash Flow

Annual

USDFY, 2013FY, 2015FY, 2016FY, 2017

Net Income

5.8m8.7m9.3m6.9m

Depreciation and Amortization

1.1m2.4m1.4m1.4m

Accounts Receivable

329.5k243.0k

Inventories

Accounts Payable

(174.6k)

Cash From Operating Activities

36.5m14.7m2.6m21.9m

Cash From Investing Activities

119.8m(20.5m)(60.7m)(51.5m)

Dividends Paid

(399.0k)(1.7m)

Cash From Financing Activities

(101.0m)2.7m61.6m33.5m

Interest Paid

4.4m4.7m5.1m5.6m

Income Taxes Paid

1.8m4.2m4.6m3.2m

Free Cash Flow

36.3m13.9m2.2m21.0m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

4.4m641.7k201.8k2.3m2.3m2.2m4.5m7.2m1.9m3.9m6.4m2.9m4.7m8.7m

Depreciation and Amortization

805.8k487.8k880.6k1.3m407.0k352.0k646.0k970.0k350.0k694.0k1.0m332.0k683.0k1.1m

Accounts Receivable

728.6k35.0k259.0k259.0k

Accounts Payable

(269.9k)(93.3k)(125.7k)(227.7k)364.0k(52.0k)(151.0k)(29.0k)8.4m1.8m

Cash From Operating Activities

31.2m9.5m6.7m10.8m456.0k7.9m5.9m4.8m12.5m15.0m16.4m6.3m8.9m12.2m

Cash From Investing Activities

131.3m18.9m(83.8m)(55.6m)(58.5m)17.2m(99.3m)(77.7m)49.6m(45.6m)(40.2m)13.0m(41.4m)(21.7m)

Dividends Paid

(401.0k)(803.0k)(803.0k)(485.0k)(986.0k)(1.5m)

Cash From Financing Activities

(52.7m)11.1m31.0m(4.0m)55.3m(21.6m)95.7m78.5m(29.1m)30.0m24.6m(22.1m)44.4m10.0m

Interest Paid

3.5m1.2m2.4m3.6m1.1m1.1m2.4m3.9m1.3m2.7m4.2m1.4m3.2m5.5m

Income Taxes Paid

1.7m192.2k596.2k656.2k415.0k760.0k2.2m2.6m1.5m1.6m2.6m62.0k3.2m3.2m

Free Cash Flow

31.0m9.5m6.6m10.5m123.0k7.8m5.8m4.5m12.3m14.5m15.8m6.3m8.4m11.7m

1st Constitution Bank Ratios

USDY, 2018

EV/EBIT

21.8 x

EV/CFO

20 x

EV/FCF

20.9 x

Debt/Equity

0.8 x

Debt/Assets

0.1 x

Financial Leverage

9.6 x
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1st Constitution Bank Employee Rating

2.69 votes
Culture & Values
2.2
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2.6
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2.3
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2.9
Career Opportunities
2.1
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