OTCPK:FCOB

Stock Analysis Report

1st Colonial Bancorp

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet and good value.

Risks

  • 1st Colonial Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has 1st Colonial Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.7%

OTCPK:FCOB

-1.9%

US Banks

-1.9%

US Market


1 Year Return

-14.8%

OTCPK:FCOB

-16.1%

US Banks

-3.3%

US Market

FCOB outperformed the Banks industry which returned -16.1% over the past year.

FCOB underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

FCOBIndustryMarket
7 Day-1.7%-1.9%-1.9%
30 Day0%-11.1%-6.2%
90 Day-5.4%-4.9%0.3%
1 Year-14.8%-14.8%-13.7%-16.1%-1.1%-3.3%
3 Year43.4%43.4%37.8%28.4%37.9%28.9%
5 Year125.7%125.7%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is 1st Colonial Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is 1st Colonial Bancorp undervalued based on future cash flows and its price relative to the stock market?

25%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

1st Colonial Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).

1st Colonial Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

1st Colonial Bancorp is good value based on earnings compared to the US Banks industry average.

1st Colonial Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for 1st Colonial Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

1st Colonial Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is 1st Colonial Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if 1st Colonial Bancorp is high growth as no revenue estimate data is available.

1st Colonial Bancorp's earnings are expected to grow by 6.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare 1st Colonial Bancorp's revenue growth to the United States of America market average as no estimate data is available.

1st Colonial Bancorp's earnings growth is positive but not above the United States of America market average.

1st Colonial Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if 1st Colonial Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has 1st Colonial Bancorp performed over the past 5 years?

23.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

1st Colonial Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

1st Colonial Bancorp's 1-year earnings growth is less than its 5-year average (6.2% vs 23.7%)

1st Colonial Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (6.2% vs 33.1%).


Return on Equity

1st Colonial Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

1st Colonial Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if 1st Colonial Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is 1st Colonial Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

1st Colonial Bancorp has an acceptable proportion of non-loan assets held.

1st Colonial Bancorp has a sufficient allowance for bad loans.

1st Colonial Bancorp's liabilities are made up of primarily low risk sources of funding.

1st Colonial Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at 1st Colonial Bancorp are broadly funded by customer deposits.

1st Colonial Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is 1st Colonial Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate 1st Colonial Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate 1st Colonial Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as 1st Colonial Bancorp has not reported any payouts.

Unable to verify if 1st Colonial Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as 1st Colonial Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of 1st Colonial Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.8yrs

Average management tenure


CEO

Gerry Banmiller (71yo)

17.6yrs

Tenure

US$488,954

Compensation

Mr. Gerard M. Banmiller, also known as Gerry serves as the Chief Executive Officer and President at 1st Colonial BanCorp. Inc. Mr. Banmiller has been Chief Executive Officer and President of 1st Colonial N ...


CEO Compensation Analysis

Gerry's remuneration is about average for companies of similar size in United States of America.

Gerry's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.8yrs

Average Tenure

54yo

Average Age

The tenure for the 1st Colonial Bancorp management team is about average.


Board Age and Tenure

19.6yrs

Average Tenure

68.5yo

Average Age

The average tenure for the 1st Colonial Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Mary Shea (49yo)

    Senior VP

    • Tenure: 2.2yrs
  • Gerry Banmiller (71yo)

    President

    • Tenure: 17.6yrs
    • Compensation: US$488.95k
  • Irene Clark (65yo)

    Executive Vice President of Deposit Operations - 1st Colonial Community Bank

    • Tenure: 2.7yrs
  • Jerry Silvi (54yo)

    Executive VP & Senior Credit Administrator of 1st Colonial Community Bank

    • Tenure: 3.8yrs
  • Frank Monaghan (42yo)

    Executive VP & COO

    • Tenure: 5.1yrs
    • Compensation: US$377.51k

Board Members

  • Gerry Banmiller (71yo)

    President

    • Tenure: 17.6yrs
    • Compensation: US$488.95k
  • Thomas Clark (65yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: US$10.50k
  • Letitia Colombi (74yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: US$8.00k
  • John Donnelly (64yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$9.00k
  • Eduardo Enriquez (61yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: US$7.75k
  • Stan Molotsky (83yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: US$8.25k
  • Linda Rohrer (71yo)

    Chairman of the Board & Chairman of Advisory Board

    • Tenure: 0.0yrs
    • Compensation: US$15.00k
  • Harrison Melstein (76yo)

    Director

    • Tenure: 17.6yrs
    • Compensation: US$8.25k
  • Michael Haydinger (49yo)

    Director

    • Tenure: 17.6yrs
    • Compensation: US$12.00k
  • Mary Burke (66yo)

    Director

    • Tenure: 17.6yrs
    • Compensation: US$8.75k

Company Information

1st Colonial Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: 1st Colonial Bancorp, Inc.
  • Ticker: FCOB
  • Exchange: OTCPK
  • Founded: 2000
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$47.697m
  • Shares outstanding: 4.67m
  • Website: https://www.1stcolonial.com

Location

  • 1st Colonial Bancorp, Inc.
  • 1040 Haddon Avenue
  • Collingswood
  • New Jersey
  • 8108
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FCOBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2000

Biography

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 d ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 23:38
End of Day Share Price2019/08/21 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.