1st Colonial Bancorp (FCOB) AI Stock Analysis

• Market Cap: $91.65M
• Dividend Yield: N/A
• Average Volume (3M): 48.11K
• Price to Earnings (P/E): 11.7
• Beta (1Y): 0.26
• Revenue Growth: 7.56%
• EPS Growth: -0.32%
• Country: US
• Employees: 27
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.23
• Shares Outstanding: 4,961,987
• 10 Day Avg. Volume: 18,212
• 30 Day Avg. Volume: 48,107
• PEG Ratio: 1.27
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 2.47
• P/FCF Ratio: 2.89
• Enterprise Value/Market Cap: 0.74
• Enterprise Value/Revenue: 1.56
• Enterprise Value/Gross Profit: 2.45
• Enterprise Value/Ebitda: 6.50
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: ―

1st Colonial Bancorp's strong cash flow and profitability, combined with an attractive valuation, form the basis of a solid overall score. The technical analysis presents mixed signals, with potential overbought conditions and slight downward pressure. The lack of recent earnings call and corporate event data did not detract from the overall assessment, resulting in a moderately positive outlook for the stock.

Positive Factors

Cash Flow Generation

Strong cash flow growth indicates robust operational efficiency and provides the company with the flexibility to reinvest or pay dividends, enhancing long-term financial health.

Balance Sheet Health

A debt-free balance sheet reduces financial risk and enhances stability, allowing the company to better withstand economic fluctuations and invest in growth opportunities.

Profitability

High and stable profit margins reflect efficient operations and strong pricing power, supporting sustained profitability and competitive positioning in the market.

Negative Factors

Revenue Decline

Declining revenue growth may signal challenges in market expansion or product demand, potentially impacting long-term financial performance and strategic initiatives.

Net Profit Margin Decrease

A decrease in net profit margin, despite being slight, may indicate rising costs or pricing pressures, which could affect future profitability if not managed effectively.

Employee Base

A small employee base may limit the company's ability to scale operations and manage increased demand, potentially impacting growth and competitive capabilities in the long term.

1st Colonial Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

1st Colonial Bancorp generates revenue primarily through the interest income earned on loans and investments, which it provides to individuals and businesses. The company offers various lending products including commercial loans, residential mortgages, and consumer loans. Additionally, the bank earns non-interest income from service charges on deposit accounts, transaction fees, and other financial services. The institution's profitability is also influenced by its ability to manage interest expenses on deposits and borrowings, as well as by maintaining a balance between loan growth and credit risk. Strategic partnerships with financial service providers and a focus on community banking allow 1st Colonial Bancorp to enhance its service offerings and expand its customer base.

1st Colonial Bancorp Financial Statement Overview

Summary

1st Colonial Bancorp exhibits a solid financial foundation with strong profitability, efficient operations, and robust cash flow generation. Despite a decline in revenue over recent years, the company maintains high margins and a healthy balance sheet with no debt, enhancing financial stability.

Income Statement

1st Colonial Bancorp shows strong profitability with a consistent gross profit margin of 100% due to its revenue composition. However, the net profit margin has slightly decreased from 26.06% in 2023 to 27.98% in 2024, reflecting stable earnings. The revenue growth rate has been negative in recent years, indicating a decline in total revenue, especially from 2022 to 2024. EBIT and EBITDA margins remain consistently solid, supporting the company's operational efficiency.

Balance Sheet

The balance sheet is strong with a debt-free position in 2024, down from a small debt position in 2023, indicating a reduced risk profile. The return on equity is robust, increasing from 10.94% in 2023 to 10.30% in 2024, showing effective utilization of equity. The equity ratio has improved, indicating a strong capital structure with increased stockholders' equity relative to total assets.

Cash Flow

The company has demonstrated a strong cash flow position with significant free cash flow growth of 70.66% from 2023 to 2024, showcasing its ability to generate cash after capital expenditures. The operating cash flow to net income ratio is healthy, supported by strong operational cash inflows. The free cash flow to net income ratio is also strong, indicating excellent cash conversion and capacity for reinvestment or dividend payments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	43.38M	28.79M	42.11M	35.44M	34.42M	28.51M
Gross Profit	27.59M	28.79M	29.14M	31.58M	31.39M	24.32M
EBITDA	10.42M	0.00	10.40M	11.72M	10.40M	6.62M
Net Income	8.43M	8.06M	7.43M	8.50M	7.26M	4.75M
Balance Sheet
Total Assets	877.06M	841.54M	825.64M	781.96M	682.83M	636.06M
Cash, Cash Equivalents and Short-Term Investments	0.00	67.38M	52.68M	20.38M	40.85M	37.03M
Total Debt	45.74M	10.70M	66.04M	45.35M	10.44M	12.73M
Total Liabilities	794.48M	763.33M	757.72M	722.33M	625.02M	582.37M
Stockholders Equity	82.58M	78.22M	67.92M	59.64M	57.82M	53.69M
Cash Flow
Free Cash Flow	0.00	24.58M	14.40M	8.62M	12.72M	-16.78M
Operating Cash Flow	0.00	24.71M	14.82M	9.78M	15.44M	-11.96M
Investing Cash Flow	0.00	-16.98M	-17.99M	-124.84M	-51.52M	-51.47M
Financing Cash Flow	0.00	6.93M	35.50M	94.58M	39.92M	54.11M

1st Colonial Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.03
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCOB, the sentiment is Positive. The current price of 19.03 is above the 20-day moving average (MA) of 18.75, above the 50-day MA of 18.51, and above the 200-day MA of 16.36, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 60.88 is Neutral, neither overbought nor oversold. The STOCH value of 93.15 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCOB.

1st Colonial Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	72 Outperform	$90.45M	12.65	8.22%	4.19%	24.17%	739.42%
FCOB	71 Outperform	$91.65M	11.69	10.91%	―	7.56%	-0.32%
LSBK	68 Neutral	$114.38M	16.57	5.94%	2.11%	2.27%	66.15%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	66 Neutral	$87.31M	16.63	6.20%	1.53%	1.93%	157.35%
CFSB	54 Neutral	―	―	-0.35%	―	11.64%	-913.46%
PBHC	49 Neutral	$93.33M	84.38	2.26%	2.81%	0.84%	―