Critical Analysis: 1st Colonial Bancorp (FCOB) versus The Competition

1st Colonial Bancorp (OTCMKTS:FCOBGet Rating) is one of 168 publicly-traded companies in the “National commercial banks” industry, but how does it contrast to its rivals? We will compare 1st Colonial Bancorp to related businesses based on the strength of its analyst recommendations, profitability, valuation, institutional ownership, risk, earnings and dividends.

Analyst Ratings

This is a summary of recent ratings and target prices for 1st Colonial Bancorp and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
1st Colonial Bancorp 0 0 0 0 N/A
1st Colonial Bancorp Competitors 914 6152 6086 253 2.42

As a group, “National commercial banks” companies have a potential upside of 17.39%. Given 1st Colonial Bancorp’s rivals higher probable upside, analysts plainly believe 1st Colonial Bancorp has less favorable growth aspects than its rivals.

Risk and Volatility

1st Colonial Bancorp has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500. Comparatively, 1st Colonial Bancorp’s rivals have a beta of 0.81, suggesting that their average stock price is 19% less volatile than the S&P 500.

Profitability

This table compares 1st Colonial Bancorp and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
1st Colonial Bancorp 21.65% 13.13% 1.09%
1st Colonial Bancorp Competitors 26.49% 11.63% 1.12%

Earnings and Valuation

This table compares 1st Colonial Bancorp and its rivals top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
1st Colonial Bancorp $34.42 million $7.26 million 7.73
1st Colonial Bancorp Competitors $7.03 billion $1.86 billion 10.62

1st Colonial Bancorp’s rivals have higher revenue and earnings than 1st Colonial Bancorp. 1st Colonial Bancorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Institutional and Insider Ownership

17.8% of 1st Colonial Bancorp shares are owned by institutional investors. Comparatively, 52.4% of shares of all “National commercial banks” companies are owned by institutional investors. 8.7% of shares of all “National commercial banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

1st Colonial Bancorp rivals beat 1st Colonial Bancorp on 8 of the 10 factors compared.

1st Colonial Bancorp Company Profile

(Get Rating)

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.

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