1st Constitution Bancorp (FCCY) Peer Comparison

$27.79

$0.00 (0.00%)

As on 14-Jan-2022 09:30EDT

Market cap

$287 Mln

Revenue (TTM)

$77 Mln

P/E Ratio

13.2

P/B Ratio

1.2

Div. Yield

1.4 %

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	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Market cap ($ Mln)	287	11,669	10,981	10,277	10,317
Revenue ($ Mln)	77	4,633	4,560	3,248	4,346
Net Profit ($ Mln)	21.58	1,057.00	942.68	950.21	900.36
Net Margin (%)	28.04	22.81	20.67	29.26	20.72
RoE (%)	11.03	11.56	11.99	10.45	12.18
Price to Earnings	13.23	11.84	12.02	11.13	12.29
Price-To-Book	1.24	1.38	1.42	1.13	1.45

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Operating Revenue	76.96	2,801.00	1,295.49	1,209.88	1,897.21
Cost of Revenue	0.00	739.00	207.76	319.55	467.33
Gross Profit	73.15	2,062.00	1,087.73	890.33	1,429.88
Operating Expenses	-9.57	1,129.00	748.84	786.36	1,040.10
Operating Profit (EBIT)	14.44	933.00	338.89	103.97	389.78
Other Income	0.00	--	--	--	--
Profit before Tax	29.37	933.00	338.89	103.97	389.78
Provision for Tax	7.79	76.00	52.39	-16.66	96.79
Profit after Tax (Net Income)	21.58	845.00	286.50	120.63	292.99
Minority Interest	0.00	295.00	--	--	--
Consolidated Profit	21.58	822.00	286.50	120.63	271.61

Liabilities ($ Mln)

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Shareholder's Funds	199.92	8,306.00	32,857.91	4,647.88	4,116.00
Minority Interest	0.00	295.00	--	--	--
Non-Current Liabilities	34.77	1,670.00	269.60	1,668.45	3,596.86
Current Liabilities	1,675.84	2,198.00	12,205.47	31,473.55	37,367.91
Total Liabilities	39.66	84,209.00	33,127.50	37,789.87	45,080.77

Assets ($ Mln)

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Non-Current Assets	1,303.08	11,856.00	11,137.78	33,432.36	37,159.37
Current Assets	4.38	17,601.00	12,980.26	4,357.52	7,921.40
Total Assets	1,806.91	84,209.00	33,127.50	37,789.87	45,080.77
Total Debt*	34.77	4,221.00	2,592.90	1,159.54	2,437.43
Net Current Assets	0.00	--	--	--	--

Cashflow ($ Mln)

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Cash From Operating Activities	6.66	172.00	373.60	536.94	-518.47
Cash Flow from Investing Activities	-198.88	-4,967.00	-4,491.09	1,229.78	-7,182.42
Cash from Financing Activities	199.37	5,176.00	5,945.89	2,153.83	7,736.89
Net Cash Inflow / Outflow	7.15	381.00	1,828.40	3,920.55	36.00

Ratios

Profitability Ratios

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
ROCE (%)	7.27	7.96	0.90	2.60	4.87
ROE (%)	11.03	12.63	0.97	3.44	7.51
ROA (%)	1.15	1.33	0.96	0.45	0.72
EBIT Margin (%)	46.42	--	--	--	--
Net Margin (%)	28.04	30.17	22.12	9.97	15.44
Cash Profit Margin (%)	0.00	--	--	--	--

Growth Ratios

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Revenue Growth (%)	13.88	0.25	0.06	0.66	0.06
EBIT Growth (%)	53.64	--	--	--	--
Net Profit Growth (%)	41.34	91.61	17.61	-35.31	-17.63
EPS Growth (%)	38.08	0.08	0.20	-0.69	-0.17
Book Value Growth (%)	9.84	--	--	--	--

Valuation Ratios

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Price / Earnings	8.77	8.41	11.62	42.73	12.07
Price / Book Value	0.85	0.86	0.10	1.11	0.86
Dividend Yield (%)	--	--	--	--	--
EV/EBITDA	1.07	-6.30	-17.22	13.01	-3.97
Market Cap ($ Cr)	--	--	--	--	--

Solvency Ratios

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Debt to Equity	0.09	0.51	0.08	0.25	0.59
Short term debt to equity ratio	0.00	0.26	0.07	0.17	0.02
Current Ratio	0.00	8.01	1.06	0.14	0.21
Quick Ratio	0.00	8.00	1.51	0.14	0.36
Interest Coverage	5.62	3.95	4.39	1.24	1.54

Operating Efficiency Ratios

	1st Constitution Bancorp (FCCY)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Debtors to sales (%)	5.69	2,044.59	10.80	2,038.55	0.92
Asset Turnover	0.04	0.04	0.04	0.05	0.05
Receivable days	25.51	3,736.55	37.27	7,445.82	3.27
Inventory Days	--	-774.35	-7,852.23	10.92	-3,211.81
Payable days	--	17,306.51	485.11	24,500.83	484.72
Cash Conversion Cycle	--	-14,344.31	-8,300.07	-17,044.08	-3,693.26

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly