1st Colonial Bancorp, Inc. Logo

1st Colonial Bancorp, Inc.

FCOB

(2.8)
Stock Price

14,90 USD

0.92% ROA

10.53% ROE

9.11x PER

Market Cap.

75.422.248,00 USD

14.81% DER

0% Yield

16.64% NPM

1st Colonial Bancorp, Inc. Stock Analysis

1st Colonial Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

1st Colonial Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (8%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Net Profit Growth

Over the last five years, this company's net profit has shown continuous growth, reflecting a robust financial performance and making it an attractive choice for potential investors.

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 ROE

The stock's ROE falls within an average range (11.15%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.75%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

9 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

10 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (0), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

1st Colonial Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

1st Colonial Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

1st Colonial Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

1st Colonial Bancorp, Inc. Revenue
Year Revenue Growth
2001 394.000
2002 3.122.000 87.38%
2003 3.819.000 18.25%
2004 4.334.000 11.88%
2005 5.069.000 14.5%
2006 5.513.000 8.05%
2007 742.000 -642.99%
2008 7.916.000 90.63%
2009 8.415.000 5.93%
2010 10.311.000 18.39%
2011 10.748.000 4.07%
2012 11.844.000 9.25%
2013 11.491.000 -3.07%
2014 12.609.000 8.87%
2015 16.034.000 21.36%
2016 19.060.000 15.88%
2016 18.958.000 -0.54%
2017 20.847.000 9.06%
2018 25.862.000 19.39%
2019 26.976.000 4.13%
2020 28.508.000 5.37%
2021 34.425.000 17.19%
2022 35.441.000 2.87%
2023 28.869.000 -22.76%
2024 45.044.000 35.91%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

1st Colonial Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

1st Colonial Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 770.000
2002 842.000 8.55%
2003 1.175.000 28.34%
2004 1.344.000 12.57%
2005 1.697.000 20.8%
2006 1.987.000 14.59%
2007 2.100.000 5.38%
2008 4.272.000 50.84%
2009 4.104.000 -4.09%
2010 4.516.000 9.12%
2011 4.568.000 1.14%
2012 4.896.000 6.7%
2013 4.904.000 0.16%
2014 5.446.000 9.95%
2015 6.671.000 18.36%
2016 7.340.000 9.11%
2016 7.967.000 7.87%
2017 8.893.000 10.41%
2018 2.186.000 -306.82%
2019 2.280.000 4.12%
2020 2.370.000 3.8%
2021 2.364.000 -0.25%
2022 2.333.000 -1.33%
2023 2.918.000 20.05%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

1st Colonial Bancorp, Inc. EBITDA
Year EBITDA Growth
2001 341.000
2002 924.000 63.1%
2003 1.162.000 20.48%
2004 1.328.000 12.5%
2005 1.309.000 -1.45%
2006 1.419.000 7.75%
2007 1.376.000 -3.13%
2008 733.000 -87.72%
2009 427.000 -71.66%
2010 170.000 -151.18%
2011 858.000 80.19%
2012 1.628.000 47.3%
2013 1.386.000 -17.46%
2014 2.308.000 39.95%
2015 4.871.000 52.62%
2016 5.864.000 16.93%
2016 5.995.000 2.19%
2017 7.040.000 14.84%
2018 -411.000 1812.9%
2019 -221.000 -85.97%
2020 -357.000 38.1%
2021 -290.000 -23.1%
2022 -369.000 21.41%
2023 -511.000 27.79%
2024 -10.036.000 94.91%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

1st Colonial Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2001 394.000
2002 3.122.000 87.38%
2003 3.819.000 18.25%
2004 4.334.000 11.88%
2005 5.069.000 14.5%
2006 5.513.000 8.05%
2007 742.000 -642.99%
2008 7.916.000 90.63%
2009 8.415.000 5.93%
2010 10.311.000 18.39%
2011 10.748.000 4.07%
2012 11.844.000 9.25%
2013 11.491.000 -3.07%
2014 12.609.000 8.87%
2015 16.034.000 21.36%
2016 19.060.000 15.88%
2016 18.958.000 -0.54%
2017 20.847.000 9.06%
2018 25.862.000 19.39%
2019 26.976.000 4.13%
2020 28.508.000 5.37%
2021 34.425.000 17.19%
2022 35.441.000 2.87%
2023 42.110.000 15.84%
2024 45.044.000 6.51%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

1st Colonial Bancorp, Inc. Net Profit
Year Net Profit Growth
2001 361.000
2002 495.000 27.07%
2003 500.000 1%
2004 625.000 20%
2005 712.000 12.22%
2006 846.000 15.84%
2007 887.000 4.62%
2008 649.000 -36.67%
2009 405.000 -60.25%
2010 240.000 -68.75%
2011 678.000 64.6%
2012 1.108.000 38.81%
2013 873.000 -26.92%
2014 1.326.000 34.16%
2015 3.008.000 55.92%
2016 3.640.000 17.36%
2016 3.661.000 0.57%
2017 4.043.000 9.45%
2018 5.215.000 22.47%
2019 3.224.000 -61.76%
2020 4.755.000 32.2%
2021 7.258.000 34.49%
2022 8.498.000 14.59%
2023 7.431.000 -14.36%
2024 7.812.000 4.88%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

1st Colonial Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 100%
2022 2 0%
2023 2 0%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

1st Colonial Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2001 232.000
2002 427.000 45.67%
2003 417.000 -2.4%
2004 906.000 53.97%
2005 -521.000 273.9%
2006 1.165.000 144.72%
2007 663.000 -75.72%
2008 1.145.000 42.1%
2009 -1.525.000 175.08%
2010 2.933.000 151.99%
2011 1.728.000 -69.73%
2012 -1.922.000 189.91%
2013 8.128.000 123.65%
2014 741.000 -996.9%
2015 3.316.000 77.65%
2016 3.436.000 3.49%
2017 4.993.000 31.18%
2018 10.573.000 52.78%
2019 3.309.000 -219.52%
2020 -16.776.000 119.72%
2021 12.723.000 231.86%
2022 8.615.000 -47.68%
2023 14.401.000 40.18%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

1st Colonial Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2001 232.000
2002 838.000 72.32%
2003 721.000 -16.23%
2004 1.074.000 32.87%
2005 825.000 -30.18%
2006 1.253.000 34.16%
2007 663.000 -88.99%
2008 1.145.000 42.1%
2009 -1.423.000 180.46%
2010 2.995.000 147.51%
2011 1.846.000 -62.24%
2012 -1.843.000 200.16%
2013 8.252.000 122.33%
2014 900.000 -816.89%
2015 3.496.000 74.26%
2016 3.759.000 7%
2017 5.223.000 28.03%
2018 10.733.000 51.34%
2019 4.640.000 -131.31%
2020 -11.956.000 138.81%
2021 15.440.000 177.44%
2022 9.779.000 -57.89%
2023 14.818.000 34.01%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

1st Colonial Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2001 0
2002 411.000 100%
2003 304.000 -35.2%
2004 168.000 -80.95%
2005 1.346.000 87.52%
2006 88.000 -1429.55%
2007 0 0%
2008 0 0%
2009 102.000 100%
2010 62.000 -64.52%
2011 118.000 47.46%
2012 79.000 -49.37%
2013 124.000 36.29%
2014 159.000 22.01%
2015 180.000 11.67%
2016 323.000 44.27%
2017 230.000 -40.43%
2018 160.000 -43.75%
2019 1.331.000 87.98%
2020 4.820.000 72.39%
2021 2.717.000 -77.4%
2022 1.164.000 -133.42%
2023 417.000 -179.14%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

1st Colonial Bancorp, Inc. Equity
Year Equity Growth
2001 6.769.000
2002 9.202.000 26.44%
2003 9.551.000 3.65%
2004 17.399.000 45.11%
2005 19.813.000 12.18%
2006 20.836.000 4.91%
2007 21.722.000 4.08%
2008 21.791.000 0.32%
2009 22.746.000 4.2%
2010 23.208.000 1.99%
2012 25.312.000 8.31%
2013 24.777.000 -2.16%
2014 26.984.000 8.18%
2015 30.086.000 10.31%
2016 34.100.000 11.77%
2017 38.410.000 11.22%
2018 43.696.000 12.1%
2019 47.906.000 8.79%
2020 53.686.000 10.77%
2021 57.817.000 7.14%
2022 59.638.000 3.05%
2023 67.923.000 12.2%
2024 72.046.000 5.72%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

1st Colonial Bancorp, Inc. Assets
Year Assets Growth
2001 79.773.000
2002 98.320.000 18.86%
2003 118.072.000 16.73%
2004 135.973.000 13.17%
2005 164.200.000 17.19%
2006 184.842.000 11.17%
2007 218.295.000 15.32%
2008 232.818.000 6.24%
2009 276.578.000 15.82%
2010 272.620.000 -1.45%
2012 304.196.000 10.38%
2013 336.172.000 9.51%
2014 409.000.000 17.81%
2015 463.227.000 11.71%
2016 487.820.000 5.04%
2017 540.131.000 9.68%
2018 544.402.000 0.78%
2019 575.703.000 5.44%
2020 634.996.000 9.34%
2021 683.691.000 7.12%
2022 782.998.000 12.68%
2023 825.644.000 5.17%
2024 811.162.000 -1.79%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

1st Colonial Bancorp, Inc. Liabilities
Year Liabilities Growth
2001 5.460.000
2002 6.043.000 9.65%
2003 4.095.000 -47.57%
2004 7.154.000 42.76%
2005 9.950.000 28.1%
2006 6.886.000 -44.5%
2007 6.302.000 -9.27%
2008 211.027.000 97.01%
2009 253.832.000 16.86%
2010 249.412.000 -1.77%
2012 278.884.000 10.57%
2013 311.395.000 10.44%
2014 382.016.000 18.49%
2015 10.000 -3820060%
2016 453.720.000 100%
2017 501.721.000 9.57%
2018 500.706.000 -0.2%
2019 530.087.000 5.54%
2020 585.642.000 9.49%
2021 625.874.000 6.43%
2022 723.360.000 13.48%
2023 757.721.000 4.53%
2024 10.667.000 -7003.41%

1st Colonial Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.93
Net Income per Share
1.67
Price to Earning Ratio
9.11x
Price To Sales Ratio
1.69x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.95
EV to Sales
0.94
EV Over EBITDA
-7.69
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,08 Bil.
Enterprise Value
0,04 Bil.
Graham Number
24.54
Graham NetNet
7.44

Income Statement Metrics

Net Income per Share
1.67
Income Quality
0
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.78
EBT Per Ebit
0.51
Ebit per Revenue
0.42
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.9
Operating Profit Margin
0.42
Pretax Profit Margin
0.21
Net Profit Margin
0.17

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.18
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
9,82
Book Value per Share
178,35
Tangible Book Value per Share
178.35
Shareholders Equity per Share
16.05
Interest Debt per Share
2.67
Debt to Equity
0.15
Debt to Assets
0.01
Net Debt to EBITDA
6.11
Current Ratio
0
Tangible Asset Value
0,80 Bil.
Net Current Asset Value
0,03 Bil.
Invested Capital
45661000
Working Capital
0,04 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.14

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

1st Colonial Bancorp, Inc. Dividends
Year Dividends Growth

1st Colonial Bancorp, Inc. Profile

About 1st Colonial Bancorp, Inc.

1st Colonial Bancorp, Inc. operates as the bank holding company for 1st Colonial Community Bank that provides a range of business and consumer financial services in New Jersey. The company offers various deposit products, including savings accounts, money market accounts, certificates of deposit, club accounts, and business and personal checking accounts. It also provides home equity loans, home equity lines of credit, personal and vehicle loans, residential and commercial mortgages, construction loans, business lines of credit, equipment and vehicle financing, real estate loans, working capital line of credit, and business acquisition loans, as well as small business administration loans. In addition, the company offers a range of merchant services comprising remote deposit capture, ACH/wire transfer, night deposit drop, and other merchant services; safe deposit boxes; and coin counting, online and mobile banking, debit card, and ATM services. It operates two branch offices located in Collingswood and Westville, New Jersey; and a loan production office in Haddonfield. 1st Colonial Bancorp, Inc. was founded in 2000 and is headquartered in Cherry Hill, New Jersey.

CEO
Mr. Robert B. White
Employee
27
Address
210 Lake Drive East
Cherry Hill, 08002

1st Colonial Bancorp, Inc. Executives & BODs

1st Colonial Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Robert B. White
President, Chief Executive Officer & Director
70
2 Ms. Mary Kay Shea
Executive Vice President, Chief Financial Officer & Secretary
70
3 Mr. Frank J. Monaghan
Executive Vice President & Chief Operating Officer
70

1st Colonial Bancorp, Inc. Competitors