OTC · Banks - Regional

1st Colonial Bancorp, Inc. (FCOB) Stock

$20.00 +0.00% OTC: FCOB Financial Services

1st Colonial Bancorp, Inc. functions as the parent company for 1st Colonial Community Bank, providing a comprehensive suite of financial services to both businesses and individual consumers throughout New Jersey.

Valuation

MetricValue
Price$20.00
Market Cap$96.56M
P/E Ratio13.16
P/B Ratio1.19
P/S Ratio2.15
EPS (TTM)$1.52
52-Week High$21.76
52-Week Low$12.75
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE8.99%
ROA0.83%
ROCE1.65%
Gross Margin72.79%
Operating Margin32.07%
Net Margin16.22%
Debt/Equity0.55
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$34.0M$35.0M$42.0M$46.0M$50.0M
Operating Profit$10.0M$11.0M$10.0M$10.0M$9.0M
Net Profit$7.0M$8.0M$7.0M$8.0M$7.0M
EPS$1.47$1.77$1.54$1.64$1.48
Op Margin29.2%32.1%23.5%22.1%18.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$683.0M$782.0M$826.0M$842.0M
Total Liabilities$625.0M$722.0M$758.0M$763.0M
Cash$41.0M$20.0M$53.0M$67.0M
Borrowings$10.0M$47.0M$66.0M$11.0M$0

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$15.0M$10.0M$15.0M$25.0M
Investing Cash Flow$-54.0M$-126.0M$-18.0M$-17.0M
Financing Cash Flow$42.0M$60.0M$17.0M$60.0M
Net Cash Flow$4.0M$-20.0M$32.0M$15.0M
Free Cash Flow$13.0M$9.0M$14.0M$25.0M$0

Valuation & Return Ratios

MetricValue
PEG Ratio-1.08
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y
Return 3Y
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BKUTBank of Utica $700.00 +6.38% 5.38 $35.00M 2.79%
DWNXDelhi Bank Corp. $21.15 +0.00% 23.50 $71.43M 1.94%
FKYSFirst Keystone Corporation $18.70 -1.58% 16.40 $117.29M 5.99%
FNRN $18.80 +1.62% 13.42 $308.45M 0.00%
FRSBFirst Resource Bancorp Inc. $25.76 +0.35% 7.88 $79.49M 0.54%

About 1st Colonial Bancorp, Inc.

1st Colonial Bancorp, Inc. functions as the parent company for 1st Colonial Community Bank, providing a comprehensive suite of financial services to both businesses and individual consumers throughout New Jersey. The bank's offerings include diverse deposit products such as savings and money market accounts, certificates of deposit (CDs), specialized club accounts, and both business and personal checking accounts. It also extends a broad selection of lending options, including home equity loans and lines of credit, personal and vehicle loans, residential and commercial mortgages, and construction financing. Furthermore, the company provides business lines of credit, equipment and vehicle funding, real estate loans, working capital facilities, business acquisition loans, and Small Business Administration (SBA) loans. Beyond core banking, 1st Colonial delivers a variety of merchant services like remote deposit capture, ACH/wire transfers, and night deposit drop facilities. Other amenities include safe deposit boxes, coin counting, online and mobile banking platforms, debit card services, and ATM access. For customer convenience, 1st Colonial operates two branch locations in Collingswood and Westville, New Jersey, supplemented by a dedicated loan production office in Haddonfield. Established in 2000, 1st Colonial Bancorp, Inc. maintains its primary administrative offices in Cherry Hill, New Jersey.

1st Colonial Bancorp, Inc. is headquartered in US.

1st Colonial Bancorp, Inc. (FCOB) stock trades at $20.00 with a market capitalization of $96.56M. The stock is valued at a price-to-earnings (P/E) ratio of 13.16, price-to-book of 1.19, price-to-sales of 2.15. Over the past 52 weeks the stock has ranged between $12.75 and $21.76, and currently trades 8.1% below its 52-week high.

On profitability, 1st Colonial Bancorp, Inc. generates a return on equity (ROE) of 8.99%, return on capital employed of 1.65%, an operating margin of 32.07%, a net profit margin of 16.22%.

Official website: www.1stcolonial.com

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