1st Constitution Bancorp's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of 1st Constitution Bancorp (FCCY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: 1st Constitution Bancorp vs Its Competitors
- TTM: Trailing 12-month revenue of 73M vs 132,277M combined for tracked competitors (0.1% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (-0.8% annualized vs trailing 12 months), vs decelerating (-23.1%) for its tracked peer group.
- Growth: 1st Constitution Bancorp generated 1.9% revenue growth year over year in Q3 2021, vs 9.6% for its tracked competitors combined.
- Profitability: Its 30.0% net margin compares with 33.6% for the peer group.
- Peer revenue share: 1st Constitution Bancorp accounted for 0.1% of combined revenue among its tracked peer group, down from 0.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.43M compares with $0.55M for the peer group (0.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FCCY Sales vs. its Competitors, Q3 2021
1st Constitution Bancorp reported revenue growth of 1.93 % year on year in Q3 2021, below its competitors' combined revenue growth of 9.60 %.
With a net margin of 29.98 %, 1st Constitution Bancorp reported lower profitability than its competitors (33.64 %).
1st Constitution Bancorp generated 0.07 % of the combined sales of its peer group, down from 0.08 % a year earlier.
1st Constitution Bancorp vs. its Competitors, Q3 2021
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across 1st Constitution Bancorp and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| 1st Constitution Bancorp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (1) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across 1st Constitution Bancorp's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs 1.9% for 1st Constitution Bancorp. 1st Constitution Bancorp's share of combined industry revenue moved from 0.35% to 0.02%, a loss of 0.34 percentage points.
1st Constitution Bancorp's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| 1st Constitution Bancorp | Yes | Yes | Yes | No |
| Competitors combined (32) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 28.60 % (2 of 7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FCCY Stock Performance relative to its Competitors
FCCY Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Home Federal Bancorp Inc Of Louisiana | 282.9% | Outperformed |
| 3 | Broadway Financial Corporation | 282.9% | Outperformed |
| 4 | Kentucky First Federal Bancorp | 282.9% | Outperformed |
| 5 | Cf Bankshares Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for 1st Constitution Bancorp's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
1st Constitution Bancorp's Comment on Competition and Industry Peers
The Bank is at a competitive disadvantage compared with these larger national
and regional commercial and savings banks. By virtue of their larger capital,
asset size and reserves, many of such institutions have substantially greater
lending limits (ceilings on the amount of credit a bank may provide to a single
customer that are linked to the institution’s capital) and other resources
than the Bank. Many such institutions are empowered to offer a wider range of
services, including trust services, than the Bank and, in some cases, have lower
funding costs (the price a bank must pay for deposits and other borrowed monies
used to make loans to customers) than the Bank. In addition to having established
deposit bases and loan portfolios, these institutions, particularly large national
and regional commercial and savings banks, have the financial ability to finance
extensive advertising campaigns and to allocate considerable resources to locations
and products perceived as profitable.
In addition, non-bank financial institutions offer services that compete for
customers’ investable funds and deposits with the Bank. For example, brokerage
firms and insurance companies offer such instruments as short-term money market
funds, corporate and government securities funds, mutual funds and annuities.
It is expected that competition in these areas will continue to increase. Some
of these competitors are not subject to the same degree of regulation and supervision
as the Company and the Bank and therefore may be able to offer customers more
attractive products than the Bank.
However, management of the Bank believes that loans to small and mid-sized businesses
and professionals, which represent the main commercial loan business of the
Bank, are not always of primary importance to the larger banking institutions.
The Bank competes for this segment of the market by providing responsive personalized
services, making timely local decisions, and acquiring in depth knowledge of
its customers and their businesses.
Publicly Traded Peers of 1st Constitution Bancorp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| 1st Constitution Bancorp | 286.78 | 73.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wintrust Financial Corp | 9,834.55 | 2,761.82 |
| Tfs Financial Corporation | 4,608.90 | 347.23 |
| First Financial Bankshares Inc | 4,605.53 | 637.20 |
| Texas Capital Bancshares Inc | 4,172.71 | -637.40 |
| SUBTOTAL | 449,242.45 | 132,397.37 |
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Sources: 1st Constitution Bancorp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on 1st Constitution Bancorp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
1st Constitution Bancorp's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Northrim Bancorp Inc | Community Banking 69.21 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
1st Constitution Bancorp's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| 1st Constitution Bancorp | 287 | 431,964 | 127,669 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wintrust Financial Corp | 9,835 | 467,946 | 146,512 |
| Tfs Financial Corporation | 4,609 | 362,452 | 106,119 |
| First Financial Bankshares Inc | 4,606 | 398,252 | 168,133 |
| Texas Capital Bancshares Inc | 4,173 | -357,087 | 204,261 |
| PEERS TOTAL | 448,956 | 549,030 | 155,761 |
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1st Constitution Bancorp's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 56.99 % | 58.30 % (avg) | -1.3 pp |
| Operating Margin | 40.23 % | industry median | +5.0 pp |
| EBITDA Margin | 48.02 % | 37.67 % (avg) | +10.4 pp |
| Capital Intensity (Capex / Revenue) | 0.86 % | 3.69 % (avg) | -2.8 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
1st Constitution Bancorp's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 10.8x | 29.5x | -18.7x |
| EV / EBITDA | 0.1x | 10.9x | -10.7x |
| P/B | 1.2x | 1.1x | +0.1x |
| Return on Equity | 11.14 % | industry aggregate | 1.76 % |
| Return on Invested Capital | 7.24 % | 2.28 % (avg) | 4.96 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
1st Constitution Bancorp's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2013 | 2014 | 2015 | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue Growth | - | 10.13 % | 29.85 % | 3.12 % | 15.38 % | 7.29 % | 22.55 % |
| Operating Margin | - | - | 29.96 % | - | 31.48 % | 34.44 % | 37.16 % |
| Return on Invested Capital | - | - | 4.39 % | - | 6.10 % | 6.02 % | 6.44 % |
| P/E | - | - | 11.3x | 21.7x | 13.9x | 13.4x | 9.2x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
1st Constitution Bancorp's Strategic Group Map
Every company in 1st Constitution Bancorp's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. 1st Constitution Bancorp is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
1st Constitution Bancorp's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.86 % vs industry average 3.69 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See 1st Constitution Bancorp's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See 1st Constitution Bancorp's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
1st Constitution Bancorp's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
1st Constitution Bancorp falls in the High attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
1st Constitution Bancorp's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
No rule matched.
Opportunities
- Trades at a lower P/E than the industry average (10.8x vs 29.5x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-23.1% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
1st Constitution Bancorp's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| 1st Constitution Bancorp | - | 0.69 | 0.11 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wintrust Financial Corp | 0.09 | 0.04 | 0.16 |
| Tfs Financial Corporation | 1.02 | 176.49 | - |
| First Financial Bankshares Inc | 0.01 | 0.70 | 0.01 |
| Texas Capital Bancshares Inc | 0.04 | 1.53 | 0.25 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
1st Constitution Bancorp's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| 1st Constitution Bancorp | Q3 2021 | +1.9 % | +10.6 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wintrust Financial Corp | Q2 2026 | +10.3 % | +19.5 % |
| Tfs Financial Corporation | Q2 2026 | +15.2 % | +40.1 % |
| First Financial Bankshares Inc | Q2 2026 | +9.8 % | +7.9 % |
| Texas Capital Bancshares Inc | Q2 2026 | - | +9.9 % |
| PEERS TOTAL | +13.6 % | +25.7 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
1st Constitution Bancorp's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| 1st Constitution Bancorp | Q3 2021 | -74.1 % | -27.7 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wintrust Financial Corp | Q2 2026 | +4.0 % | - |
| Tfs Financial Corporation | Q2 2026 | - | +101.2 % |
| First Financial Bankshares Inc | Q2 2026 | +33.6 % | +232.0 % |
| Texas Capital Bancshares Inc | Q2 2026 | +20.0 % | +80.3 % |
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1st Constitution Bancorp's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| 1st Constitution Bancorp | 1.18% | 10.17% | 11.14% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wintrust Financial Corp | 1.20% | 3.12% | 11.84% |
| Tfs Financial Corporation | 0.58% | 0.58% | 5.30% |
| First Financial Bankshares Inc | 1.76% | 5.03% | 14.00% |
| Texas Capital Bancshares Inc | 1.11% | 2.98% | 10.04% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
1st Constitution Bancorp's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| 1st Constitution Bancorp | 13.23 | 3.93 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wintrust Financial Corp | 10.91 | 3.56 |
| Tfs Financial Corporation | 45.36 | 13.27 |
| First Financial Bankshares Inc | 17.14 | 7.23 |
| Texas Capital Bancshares Inc | 12.36 | - |
| PEERS AVERAGE | 11.96 | 3.39 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.