1st Colonial Bancorp (FCOB) AI Stock Analysis

• Market Cap: $101.81M
• Dividend Yield: N/A
• Average Volume (3M): 48.11K
• Price to Earnings (P/E): 16.5
• Beta (1Y): 0.27
• 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: 4,906,440
• 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): 1.54
• P/FCF Ratio: 2.89
• Enterprise Value/Market Cap: 0.87
• Enterprise Value/Revenue: 2.27
• Enterprise Value/Gross Profit: 2.54
• Enterprise Value/Ebitda: 8.50
• 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: 65 Neutral
• Price Target: $22.00 ▲(7.32% Upside)

1st Colonial Bancorp's strong financial performance, characterized by robust cash flow and a debt-free balance sheet, is a key strength. The technical analysis indicates bullish momentum, though caution is advised due to overbought signals. The valuation is reasonable, but the lack of a dividend yield may deter some investors. Overall, the stock presents a solid investment opportunity with some short-term risks.

Positive Factors

Cash Flow Generation

Strong cash flow growth enhances financial flexibility, allowing for reinvestment in business operations and potential shareholder returns, supporting long-term stability.

Debt-Free Balance Sheet

A debt-free balance sheet reduces financial risk and interest obligations, providing a solid foundation for sustainable growth and strategic initiatives.

Strategic Acquisition

The acquisition by Mid Penn Bancorp is expected to enhance market reach and operational synergies, potentially improving long-term profitability and competitive positioning.

Negative Factors

Revenue Decline

A declining revenue trend can limit growth opportunities and affect profitability, challenging the company's ability to sustain its market position over time.

Decreased Net Profit Margin

A decrease in net profit margin indicates potential cost pressures or inefficiencies, which could impact long-term profitability and shareholder value.

Leadership Transition

Leadership changes can create uncertainty and disrupt strategic continuity, potentially affecting the company's operational focus and long-term strategic goals.

1st Colonial Bancorp Business Overview & Revenue Model

Company Description

1st Colonial Bancorp (FCOB) is a financial holding company headquartered in New Jersey, primarily engaged in providing a range of banking and financial services through its subsidiary, 1st Colonial Community Bank. The company operates in the banking sector, focusing on commercial and retail banking services, including personal and business loans, deposit accounts, and other financial products. FCOB aims to serve the needs of individuals and small to medium-sized businesses in its local markets, enhancing financial well-being and fostering community growth.

How the Company Makes Money

1st Colonial Bancorp generates revenue primarily through interest income from loans and fees associated with its banking services. The company extends various types of loans, including commercial real estate, residential mortgages, and consumer loans, earning interest on these products over their terms. Additionally, FCOB collects non-interest income from service fees on deposit accounts, transaction fees, and other banking services. The bank may also benefit from strategic partnerships with local businesses and organizations that help increase customer acquisition and retention, thereby contributing to its overall earnings. Economic conditions, interest rate fluctuations, and regulatory factors are significant influences on the bank's profitability.

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. The cash flow position is particularly noteworthy, providing a buffer against economic fluctuations and supporting future growth initiatives.

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	39.06M	46.18M	42.11M	35.44M	34.42M	28.51M
Gross Profit	34.88M	28.79M	29.14M	31.58M	31.39M	24.32M
EBITDA	10.42M	10.66M	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	47.36M	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: 20.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 20.5 is above the 20-day moving average (MA) of 20.46, above the 50-day MA of 19.93, and above the 200-day MA of 17.47, indicating a bullish trend. The MACD of 0.28 indicates Positive momentum. The RSI at 54.71 is Neutral, neither overbought nor oversold. The STOCH value of 35.35 is Neutral, 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
LSBK	78 Outperform	$118.00M	15.78	6.28%	2.12%	2.27%	66.15%
AUBN	69 Neutral	$86.85M	11.98	8.22%	4.16%	24.17%	739.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FCOB	65 Neutral	$101.81M	16.47	10.91%	―	7.56%	-0.32%
IROQ	65 Neutral	$90.89M	16.97	6.20%	1.48%	1.93%	157.35%
PBHC	54 Neutral	$84.47M	-14.35	2.26%	2.86%	0.84%	―