1st Colonial Bancorp (FCOB) AI Stock Analysis

• Market Cap: $70.46M
• Dividend Yield: N/A
• Average Volume (3M): 2.95K
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.29
• Revenue Growth: 9.68%
• EPS Growth: 8.54%
• Country: US
• Employees: 27
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 1.64
• Shares Outstanding: 4,961,987
• 10 Day Avg. Volume: 4,159
• 30 Day Avg. Volume: 2,950
• PEG Ratio: 1.07
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.00
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

1st Colonial Bancorp's overall score is primarily driven by its solid financial performance and attractive valuation. The company's stability in revenue growth and reduction in leverage levels are significant strengths. Technical analysis indicates a cautious outlook, with mixed signals on momentum and price trends. The valuation suggests potential upside, given the low P/E ratio. Overall, the company's financial health and valuation present a balanced investment opportunity.

1st Colonial Bancorp Business Overview & Revenue Model

Company Description

1st Colonial Bancorp, Inc. (FCOB) is a bank holding company headquartered in Collingswood, New Jersey. It operates through its wholly owned subsidiary, 1st Colonial Community Bank, which offers a range of financial products and services. The bank serves individual and business customers in Southern New Jersey and the surrounding areas, with a focus on providing personalized banking experiences. Its core offerings include traditional deposit products, commercial and consumer loans, and other financial services tailored to meet the needs of its community.

How the Company Makes Money

1st Colonial Bancorp makes money primarily through its banking operations by earning interest income on loans and investments, collecting fees from various banking services, and managing deposits. The bank offers commercial loans, residential mortgages, and other consumer loans, which generate interest income. Additionally, 1st Colonial Community Bank earns non-interest income from service charges, fees for banking services, and other financial products. The bank's profitability is influenced by its ability to manage interest rate spreads, maintain asset quality, and grow its customer base in the competitive financial services industry.

1st Colonial Bancorp Financial Statement Overview

Summary

1st Colonial Bancorp exhibits a robust financial position with consistent revenue growth and improved leverage ratios. While profitability margins are below industry standards, operational efficiencies are evident. The balance sheet is strengthening, with reduced debt levels and improved equity ratios. Cash flow generation is solid, with positive trends in free cash flow growth. Overall, the company shows a stable financial trajectory with potential for further efficiency gains.

Income Statement

1st Colonial Bancorp has demonstrated a steady revenue growth trajectory with a notable increase from $28.51 million in 2020 to $28.87 million in 2023. However, the gross profit margin is unusually high, indicating potential reporting discrepancies. The net profit margin decreased from 23.97% in 2022 to 25.74% in 2023, which is below industry averages. The EBIT margin has shown improvement over the years, suggesting operational efficiencies.

Balance Sheet

The company maintains a stable balance sheet with a declining debt-to-equity ratio, dropping from 0.79 in 2020 to 0.16 in 2023, indicating reduced leverage. The return on equity is relatively healthy at 10.94% in 2023, showing effective utilization of equity to generate profits. The equity ratio has improved over the years, reflecting a stronger equity position relative to total assets.

Cash Flow

Cash flow analysis reveals positive operating cash flow in 2023, which has grown significantly from prior years. Free cash flow has also shown growth, doubling from 2022 to 2023. However, the operating cash flow to net income ratio is stable, indicating consistency in cash flow generation relative to profits. The free cash flow growth rate is positive, signaling improved cash management and investment efficiency.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
44.55M	28.87M	35.44M	34.42M	28.51M	26.98M
	Gross Profit
40.20M	42.11M	35.44M	34.42M	28.51M	26.98M
	EBIT
18.93M	12.91M	11.76M	10.34M	6.73M	4.30M
	EBITDA
-5.46M	-511.00K	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
7.49M	7.43M	8.50M	7.26M	4.75M	3.22M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
20.41M	52.68M	20.35M	40.83M	36.99M	45.67M
	Total Assets
485.82M	826.60M	783.00M	683.69M	635.00M	575.70M
	Total Debt
3.90M	10.63M	47.36M	11.06M	15.61M	4.58M
	Net Debt
-16.51M	-42.05M	26.98M	-29.80M	-21.41M	-41.77M
	Total Liabilities
3.90M	758.67M	723.36M	625.87M	585.64M	530.09M
	Stockholders Equity
31.77M	67.92M	59.64M	57.82M	53.69M	47.91M
Cash Flow		Free Cash Flow
0.00	14.40M	8.62M	12.72M	-16.78M	3.31M
	Operating Cash Flow
0.00	14.82M	9.78M	15.44M	-11.96M	4.64M
	Investing Cash Flow
0.00	-17.99M	-124.84M	-51.52M	-51.47M	2.94M
	Financing Cash Flow
0.00	35.50M	94.58M	39.92M	54.11M	26.66M

1st Colonial Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCOB, the sentiment is Negative. The current price of 14.2 is below the 20-day moving average (MA) of 14.57, below the 50-day MA of 14.80, and below the 200-day MA of 15.03, indicating a bearish trend. The MACD of -0.25 indicates Positive momentum. The RSI at 33.07 is Neutral, neither overbought nor oversold. The STOCH value of 23.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FCOB.

1st Colonial Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TRST	74 Outperform	$535.79M	10.98	7.39%	5.11%	6.97%	-16.70%
UVSP	68 Neutral	$772.31M	10.31	8.80%	3.15%	11.77%	7.54%
FCOB	65 Neutral	$70.46M	8.90	11.03%	―	9.68%	8.54%
WSFS	64 Neutral	$2.77B	10.71	10.41%	1.27%	10.71%	0.54%
Sector *	63 Neutral	$12.75B	9.36	8.64%	84.32%	13.82%	-3.89%
FULT	62 Neutral	$2.77B	9.67	10.60%	4.40%	21.10%	-4.20%
ASRV	51 Neutral	$34.53M	9.75	3.44%	5.74%	9.36%	―