1st Colonial Total Debt vs. Cash Flow From Operations

FCOB Stock  USD 14.70  0.10  0.68%   
Taking into consideration 1st Colonial's profitability measurements, 1st Colonial Bancorp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in December. Profitability indicators assess 1st Colonial's ability to earn profits and add value for shareholders.
For 1st Colonial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of 1st Colonial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well 1st Colonial Bancorp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between 1st Colonial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of 1st Colonial Bancorp over time as well as its relative position and ranking within its peers.
  
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Please note, there is a significant difference between 1st Colonial's value and its price as these two are different measures arrived at by different means. Investors typically determine if 1st Colonial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, 1st Colonial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

1st Colonial Bancorp Cash Flow From Operations vs. Total Debt Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining 1st Colonial's current stock value. Our valuation model uses many indicators to compare 1st Colonial value to that of its competitors to determine the firm's financial worth.
1st Colonial Bancorp is rated as one of the top companies in total debt category among its peers. It also is one of the top stocks in cash flow from operations category among its peers making about  0.37  of Cash Flow From Operations per Total Debt. The ratio of Total Debt to Cash Flow From Operations for 1st Colonial Bancorp is roughly  2.69 . Comparative valuation analysis is a catch-all model that can be used if you cannot value 1st Colonial by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for 1st Colonial's Pink Sheet. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.

1st Total Debt vs. Competition

1st Colonial Bancorp is rated as one of the top companies in total debt category among its peers. Total debt of Banks—Regional industry is currently estimated at about 118.03 Million. 1st Colonial totals roughly 41.54 Million in total debt claiming about 35% of stocks in Banks—Regional industry.
Total debt  Valuation  Capitalization  Revenue  Workforce

1st Cash Flow From Operations vs. Total Debt

Total Debt refers to the amount of long term interest-bearing liabilities that a company carries on its balance sheet. That may include bonds sold to the public, notes written to banks or capital leases. Typically, debt can help a company magnify its earnings, but the burden of interest and principal payments will eventually prevent the firm from borrow excessively.

1st Colonial

Total Debt

 = 

Bonds

+

Notes

 = 
41.54 M
In most industries, total debt may also include the current portion of long-term debt. Since debt terms vary widely from one company to another, simply comparing outstanding debt obligations between different companies may not be adequate. It is usually meant to compare total debt amounts between companies that operate within the same sector.
Operating Cash Flow reveals the quality of a company's reported earnings and is calculated by deducting company's income taxes from earnings before interest, taxes, and depreciation (EBITDA). In other words, Operating Cash Flow refers to the amount of cash a firm generates from the sales or products or from rendering services. Operating Cash Flow typically excludes costs associated with long-term investments or investment in marketable securities and is usually used by investors or analysts to check on the quality of a company's earnings.

1st Colonial

Operating Cash Flow

 = 

EBITDA

-

Taxes

 = 
15.44 M
Operating Cash Flow shows the difference between reported income and actual cash flows of the company. If a firm does not have enough cash or cash equivalents to cover its current liabilities, then both investors and management should be concerned about the company having enough liquid resources to meet current and long term debt obligations.

1st Cash Flow From Operations Comparison

1st Colonial is currently under evaluation in cash flow from operations category among its peers.

1st Colonial Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in 1st Colonial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, 1st Colonial will eventually generate negative long term returns. The profitability progress is the general direction of 1st Colonial's change in net profit over the period of time. It can combine multiple indicators of 1st Colonial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
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. 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. 1st Colonial operates under BanksRegional classification in the United States and is traded on OTC Exchange.

1st Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on 1st Colonial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of 1st Colonial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the 1st Colonial's important profitability drivers and their relationship over time.

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Other Information on Investing in 1st Pink Sheet

To fully project 1st Colonial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of 1st Colonial Bancorp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include 1st Colonial's income statement, its balance sheet, and the statement of cash flows.
Potential 1st Colonial investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although 1st Colonial investors may work on each financial statement separately, they are all related. The changes in 1st Colonial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on 1st Colonial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.