1ST CONSTITUTION BANCORP
Financials · Savings Institution, Federally Chartered · NJ · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Revenue | $601,000 | $663,000 | $638,000 | $596,000 | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $3.4M | $3.4M | $2.9M | $1.9M | $9.3M | $2.3M |
| Total assets | $1.81B | $1.59B | $1.18B | $1.08B | $1.04B | $968.0M |
| Total liabilities | $1.62B | $1.42B | $1.05B | $967.6M | $933.4M | $872.0M |
| Equity | $187.7M | $170.6M | $127.1M | $111.7M | $104.8M | $96.0M |
| EPS (diluted) | $0.33 | $0.39 | $0.34 | $0.23 | $1.14 | $0.28 |
| Shares out. | 10.2M | 8.6M | 8.1M | 8.0M | 8.0M | 7.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2020- Operating margin
- —
- Net margin
- 569.2%
- Return on equity
- 1.8%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.6%
- Debt / equity
- 8.63×
- Book value / share
- $18.42
- Revenue growth (YoY)
- −9.4%
- Net income growth (YoY)
- 0.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2020- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 3/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 2 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 19, 2018
- NT 10-Qmissed a reporting deadline ↗Aug 10, 2017
- NT 10-Kmissed a reporting deadline ↗Mar 17, 2017
- NT 10-Kmissed a reporting deadline ↗Apr 1, 2008
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Naqvi Naqi AOfficer — Former Senior VP and CAO | Jan 6, 2022 | Tax withholding | 1,371 | $27.79 |
| Andreacio John TOfficer — Former CLO & EVP | Jan 6, 2022 | Tax withholding | 1,961 | $27.79 |
| Gilhooly Stephen JOfficer — Former SVP, CFO and Treasurer | Jan 6, 2022 | Option exercise | 308 | $9.30 |
| Cannon J. LynneDirector | Jan 6, 2022 | D | 8,789 | — |
| Pisani Edwin JDirector | Jan 6, 2022 | D | 30,505 | — |
| Aaron James GDirector | Jan 6, 2022 | D | 15,920 | — |
| Crow Charles S IiiDirector | Jan 6, 2022 | D | 56,298 | — |
| Penta Carmen MDirector | Jan 6, 2022 | D | 12,393 | — |
| Barrett William JamesDirector | Jan 6, 2022 | D | 8,495 | — |
| Cruz Antonio L.Director | Jan 6, 2022 | D | 137,545 | — |
| Ciccone Raymond R.Director | Jan 6, 2022 | D | 7,107 | — |
| Tartaglia Roy DDirector | Jan 6, 2022 | D | 44,385 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer changeJan 6, 2022
- Other material eventDec 13, 2021
- Shareholder vote · Other material eventDec 7, 2021
- Other material eventNov 9, 2021
- Other material eventNov 5, 2021
- Results of operations · Other material eventOct 22, 2021
- Results of operations · Other material eventJul 23, 2021
- Entered a material agreement · Regulation FD disclosure · Other material eventJul 12, 2021
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SC 13G/AFeb 14, 2022
- 15-12GJan 18, 2022
- S-8 POSJan 18, 2022
- S-8 POSJan 18, 2022
- S-8 POSJan 18, 2022
- S-8 POSJan 18, 2022
- S-8 POSJan 18, 2022
- S-8 POSJan 18, 2022
- S-8 POSJan 18, 2022
- 4PRIMARY DOCUMENTJan 10, 2022
- 4PRIMARY DOCUMENTJan 10, 2022
- 4PRIMARY DOCUMENTJan 10, 2022
- 4PRIMARY DOCUMENTJan 10, 2022
- 4PRIMARY DOCUMENTJan 10, 2022
- 4PRIMARY DOCUMENTJan 10, 2022
Event-driven situations (2)
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