1st Colonial Bancorp Inc
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 the United States. The company offers business and personal checking and saving, money market, and club accounts; certificates of deposits; and personal lending products, such as personal, auto, and boat loans; residential mortgages t… Read more
1st Colonial Bancorp Inc (FCOB) - Net Assets
Latest net assets as of June 2025: $82.58 Million USD
Based on the latest financial reports, 1st Colonial Bancorp Inc (FCOB) has net assets worth $82.58 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($877.06 Million) and total liabilities ($794.48 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $82.58 Million |
| % of Total Assets | 9.42% |
| Annual Growth Rate | 11.23% |
| 5-Year Change | 45.7% |
| 10-Year Change | 159.98% |
| Growth Volatility | 16.92 |
1st Colonial Bancorp Inc - Net Assets Trend (2001–2024)
This chart illustrates how 1st Colonial Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for 1st Colonial Bancorp Inc (2001–2024)
The table below shows the annual net assets of 1st Colonial Bancorp Inc from 2001 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $78.22 Million | +15.16% |
| 2023-12-31 | $67.92 Million | +13.89% |
| 2022-12-31 | $59.64 Million | +3.15% |
| 2021-12-31 | $57.82 Million | +7.69% |
| 2020-12-31 | $53.69 Million | +12.07% |
| 2019-12-31 | $47.91 Million | +9.63% |
| 2018-12-31 | $43.70 Million | +13.76% |
| 2017-12-31 | $38.41 Million | +12.64% |
| 2016-12-31 | $34.10 Million | +13.34% |
| 2015-12-31 | $30.09 Million | +11.50% |
| 2014-12-31 | $26.98 Million | +8.91% |
| 2013-12-31 | $24.78 Million | -2.11% |
| 2012-12-31 | $25.31 Million | +9.07% |
| 2010-12-31 | $23.21 Million | +2.03% |
| 2009-12-31 | $22.75 Million | +4.38% |
| 2008-12-31 | $21.79 Million | +0.32% |
| 2007-12-31 | $21.72 Million | +4.25% |
| 2006-12-31 | $20.84 Million | +5.16% |
| 2005-12-31 | $19.81 Million | +13.87% |
| 2004-12-31 | $17.40 Million | +82.17% |
| 2003-12-31 | $9.55 Million | +3.79% |
| 2002-12-31 | $9.20 Million | +35.94% |
| 2001-12-31 | $6.77 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to 1st Colonial Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 4581200000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $45.48 Million | 58.15% |
| Other Comprehensive Income | $-3.12 Million | -3.99% |
| Other Components | $35.86 Million | 45.84% |
| Total Equity | $78.22 Million | 100.00% |
1st Colonial Bancorp Inc Competitors by Market Cap
The table below lists competitors of 1st Colonial Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
OSE Immunotherapeutics S.A.
LSE:0RAD
|
$59.55 Million |
|
Respiri Limited
PINK:RSHUF
|
$59.57 Million |
|
Woorim Machinery Co. Ltd
KQ:101170
|
$59.64 Million |
|
Moatable Inc
NYSE:MTBLY
|
$59.67 Million |
|
TCI Express Limited
NSE:TCIEXP
|
$59.54 Million |
|
MetaTech AP
TWO:3224
|
$59.52 Million |
|
Rhoen Klinikum AG
IL:0NQH
|
$59.52 Million |
|
Hirequest Inc
NASDAQ:HQI
|
$59.50 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in 1st Colonial Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 67,923,000 to 78,218,000, a change of 10,295,000 (15.2%).
- Net income of 8,057,000 contributed positively to equity growth.
- New share issuances of 321,000 increased equity.
- Other comprehensive income increased equity by 1,426,001.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $8.06 Million | +10.3% |
| Share Issuances | $321.00K | +0.41% |
| Other Comprehensive Income | $1.43 Million | +1.82% |
| Other Changes | $491.00K | +0.63% |
| Total Change | $- | 15.16% |
Book Value vs Market Value Analysis
This analysis compares 1st Colonial Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.94x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.60x to 0.94x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2001-12-31 | $3.26 | $15.00 | x |
| 2002-12-31 | $4.09 | $15.00 | x |
| 2003-12-31 | $3.34 | $15.00 | x |
| 2004-12-31 | $4.30 | $15.00 | x |
| 2005-12-31 | $4.22 | $15.00 | x |
| 2006-12-31 | $4.22 | $15.00 | x |
| 2007-12-31 | $4.49 | $15.00 | x |
| 2008-12-31 | $4.64 | $15.00 | x |
| 2009-12-31 | $4.90 | $15.00 | x |
| 2010-12-31 | $5.00 | $15.00 | x |
| 2012-12-31 | $5.65 | $15.00 | x |
| 2013-12-31 | $5.13 | $15.00 | x |
| 2014-12-31 | $5.54 | $15.00 | x |
| 2015-12-31 | $6.04 | $15.00 | x |
| 2016-12-31 | $6.86 | $15.00 | x |
| 2017-12-31 | $7.72 | $15.00 | x |
| 2018-12-31 | $8.67 | $15.00 | x |
| 2019-12-31 | $9.52 | $15.00 | x |
| 2020-12-31 | $10.74 | $15.00 | x |
| 2021-12-31 | $11.67 | $15.00 | x |
| 2022-12-31 | $12.45 | $15.00 | x |
| 2023-12-31 | $14.07 | $15.00 | x |
| 2024-12-31 | $15.91 | $15.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently 1st Colonial Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.30%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.45%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.76x
- Recent ROE (10.30%) is above the historical average (6.81%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 5.33% | 21.77% | 0.02x | 11.79x | $-315.90K |
| 2002 | 5.38% | 11.55% | 0.04x | 10.68x | $-425.20K |
| 2003 | 5.24% | 9.88% | 0.04x | 12.36x | $-455.10K |
| 2004 | 3.59% | 10.95% | 0.04x | 7.81x | $-1.11 Million |
| 2005 | 3.59% | 9.18% | 0.05x | 8.29x | $-1.27 Million |
| 2006 | 4.06% | 8.11% | 0.06x | 8.87x | $-1.24 Million |
| 2007 | 4.08% | 6.95% | 0.06x | 10.05x | $-1.29 Million |
| 2008 | 2.98% | 4.85% | 0.06x | 10.68x | $-1.53 Million |
| 2009 | 1.78% | 3.25% | 0.04x | 12.16x | $-1.87 Million |
| 2010 | 1.03% | 1.78% | 0.05x | 11.75x | $-2.08 Million |
| 2012 | 4.38% | 8.27% | 0.04x | 12.02x | $-1.42 Million |
| 2013 | 3.52% | 7.17% | 0.04x | 13.57x | $-1.60 Million |
| 2014 | 4.91% | 9.78% | 0.03x | 15.16x | $-1.37 Million |
| 2015 | 10.00% | 16.98% | 0.04x | 15.40x | $-600.00 |
| 2016 | 10.74% | 17.64% | 0.04x | 14.31x | $251.00K |
| 2017 | 10.53% | 17.32% | 0.04x | 14.06x | $202.00K |
| 2018 | 11.93% | 20.16% | 0.05x | 12.45x | $845.40K |
| 2019 | 6.73% | 11.95% | 0.05x | 12.01x | $-1.57 Million |
| 2020 | 8.86% | 16.68% | 0.04x | 11.85x | $-613.60K |
| 2021 | 12.55% | 21.08% | 0.05x | 11.81x | $1.48 Million |
| 2022 | 14.25% | 23.98% | 0.05x | 13.11x | $2.53 Million |
| 2023 | 10.94% | 17.65% | 0.05x | 12.16x | $638.70K |
| 2024 | 10.30% | 17.45% | 0.05x | 10.76x | $235.20K |
Industry Comparison
This section compares 1st Colonial Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| 1st Colonial Bancorp Inc (FCOB) | $82.58 Million | 5.33% | 9.62x | $59.55 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |