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1st Constitution Bancorp · NASDAQ
Price: $27.79 · Annual div: $1.57/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in FCCY → $154.5K in 10 years · $55.70/month
As of January 6, 2022, Lakeland Bancorp, Inc. finalized its acquisition of 1st Constitution Bancorp. Prior to this, 1st Constitution Bancorp functioned as the parent company for 1st Constitution Bank, which delivered a comprehensive suite of financial solutions for both businesses and individual customers. Its operational footprint covered the central, coastal, and northeastern regions of New Jersey. The bank's offerings encompassed a variety of deposit accounts, including interest-bearing options like checking, money market, and NOW accounts, alongside non-interest bearing demand deposits, savings accounts, and various time deposit products. For its commercial clients, the institution provided a diverse portfolio of lending options, such as term loans, lines of credit, and loans secured by business assets like equipment and accounts receivable. It also extended short-to-medium term financing, both secured and unsecured, to assist businesses with working capital, expansion initiatives, and the procurement of machinery. Furthermore, the institution specialized in commercial real estate loans and construction financing for developers engaged in acquiring, developing, and building residential and commercial properties. Individual customers benefited from a broad spectrum of retail lending products, encompassing primary residential mortgages for owner-occupied homes, construction financing, reverse mortgages, and home improvement loans, including second mortgages and home equity lines of credit (HELOCs). Consumer loans for vehicles (automobiles, recreational vehicles, and boats) were also available, alongside both secured and unsecured personal loans, and loans collateralized by customer deposits. To enhance accessibility and convenience, the bank offered modern online and mobile banking solutions. Its diverse customer base comprised corporations, individuals, partnerships, various community groups, small enterprises, and non-profit organizations. As of February 2, 2021, 1st Constitution Bank maintained 25 physical branches spread across numerous New Jersey localities, such as Asbury Park, Cranbury, Freehold, Princeton, and Toms River, among others. Established in 1989, the company maintained its corporate headquarters in Cranbury, New Jersey.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold FCCY.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 5.63% | 2.83% | $563 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 4.79% | 1.99% | $479 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 4.50% | 1.70% | $450 / yr |
| 🇬🇧 UK ISA | 0% | 5.63% | 2.83% | $563 / yr |
| 🇬🇧 UK Taxable | 8.75% | 5.14% | 2.34% | $514 / yr |
| 🇨🇦 TFSA | 0% | 5.63% | 2.83% | $563 / yr |
| 🇨🇦 CA Taxable | 25% | 4.22% | 1.42% | $422 / yr |
| 🇦🇺 Super (pension) | 15% | 4.79% | 1.99% | $479 / yr |
| 🇦🇺 AU Taxable | 30% | 3.94% | 1.14% | $394 / yr |
| 🇩🇪 DE Taxable | 26.375% | 4.15% | 1.35% | $415 / yr |
| 🇫🇷 FR Taxable | 30% | 3.94% | 1.14% | $394 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.57/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
FCCY pays quarterly — 4 times per year. Next ex-div: TBD.
How FCCY compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FCCY sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| F-InKind | 2022-01-06 | 1,371 | $27.79 | $38.1K | ||
| D-Return | 2022-01-06 | 480 | $13.13 | $6.3K | ||
| D-Return | 2022-01-06 | 800 | $15.56 | $12.4K | ||
| D-Return | 2022-01-06 | 200 | $19.38 | $3.9K | ||
| D-Return | 2022-01-06 | 480 | $21.92 | $10.5K | ||
| D-Return | 2022-01-06 | 1,241 | $21.73 | $27.0K | ||
| F-InKind | 2022-01-06 | 1,961 | $27.79 | $54.5K | ||
| D-Return | 2022-01-06 | 826 | $21.73 | $17.9K | ||
| D-Return | 2022-01-06 | 221 | $10.24 | $2.3K | ||
| D-Return | 2022-01-06 | 442 | $10.10 | $4.5K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FCCY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
1st Constitution Bancorp (FCCY) is currently trading at $27.79, trading near its 52-week high. The current dividend yield is 5.63% based on an annual payout of $1.57 per share.
1st Constitution Bancorp (FCCY) is a financial services stock currently trading at $27.79 with a dividend yield of 5.63%. The company pays an annual dividend of $1.57 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
Auto-generated from live market data. For educational purposes only — not financial advice.
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