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12.73 (1y: +14%)
Market Cap 152.57 M P/E(ttm) 28.10
Enterprise Value 234.51 M P/B 0.80
BANC- NAS (USA)
First PacTrust Bancorp, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$12.73
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 1.516
BANC's Cash to Debt is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. BANC: 1.516 )
BANC' s 10-Year Cash to Debt Range
Min: 0.07   Max: 2.22
Current: 1.52
0.07
2.22
Equity to Asset 0.103
BANC's Equity to Asset is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BANC: 0.103 )
BANC' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.19
Current: 0.1
0.09
0.19
Interest Coverage No Debt
BANC's Interest Coverage is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. BANC: No Debt )
BANC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry		 vs
history
Operating margin (%) 7.30
BANC's Operating margin (%) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. BANC: 7.30 )
BANC' s 10-Year Operating margin (%) Range
Min: -8.9   Max: 41
Current: 7.3
-8.9
41
Net-margin (%) 7.2
BANC's Net-margin (%) is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. BANC: 7.2 )
BANC' s 10-Year Net-margin (%) Range
Min: -8   Max: 23.2
Current: 7.2
-8
23.2
ROE (%) 3.2
BANC's ROE (%) is ranked higher than
94% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BANC: 3.2 )
BANC' s 10-Year ROE (%) Range
Min: -1.5   Max: 7.3
Current: 3.2
-1.5
7.3
ROA (%) 0.4
BANC's ROA (%) is ranked higher than
94% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BANC: 0.4 )
BANC' s 10-Year ROA (%) Range
Min: -0.3   Max: 0.8
Current: 0.4
-0.3
0.8
Revenue Growth (%) -0.8
BANC's Revenue Growth (%) is ranked lower than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BANC: -0.8 )
BANC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 40
Current: -0.8
0
40
ยป BANC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

BANC Guru Trades in Q2 2012

Jim Simons Sold Out
» More
Q3 2012

BANC Guru Trades in Q3 2012

Jim Simons 14,000 sh (New)
» More
Q4 2012

BANC Guru Trades in Q4 2012

Jim Simons Sold Out
» More
Q1 2013

BANC Guru Trades in Q1 2013

Jim Simons 20,394 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with BANC



No Insider Trades Found!

Top Ranked Articles about First PacTrust Bancorp, Inc.

First PacTrust Tries to Get the Ball Rolling with Insider Trades
March 7, 2013
- First PacTrust Tries To Get The Ball Rolling With Insider Trades
First PacTrust Bancorp (BANC) is a $1.7 billion multi-bank holding company. The company provides commercial, residential and consumer banking in California as well as loan offices in Arizona, Oregon and Washington. Based out of Irvine, Calif., First PacTrust has a market cap of $133.1 million. Read more...
Weekly CEO Sells Highlight: First PacTrust Bancorp, Chico's FAS, Western Refining, and Illinois Tool Works
August 28, 2012
According to GuruFocus Insider Data, these are the largest CEO sales during the past week: First PacTrust Bancorp Inc., Chico's FAS Inc., Western Refining Inc. and Illinois Tool Works Inc. Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 28.10
BANC's P/E(ttm) is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BANC: 28.10 )
BANC' s 10-Year P/E(ttm) Range
Min: 11.1   Max: 125.83
Current: 28.1
11.1
125.83
P/B 0.80
BANC's P/B is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BANC: 0.80 )
BANC' s 10-Year P/B Range
Min: 0.2   Max: 1.58
Current: 0.8
0.2
1.58
P/S 1.36
BANC's P/S is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. BANC: 1.36 )
BANC' s 10-Year P/S Range
Min: 0.64   Max: 8.72
Current: 1.36
0.64
8.72
EV-to-EBIT 32.56
BANC's EV-to-EBIT is ranked lower than
77% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. BANC: 32.56 )
BANC' s 10-Year EV-to-EBIT Range
Min: 9   Max: 3858.6
Current: 32.56
9
3858.6
Shiller P/E 214.49
BANC's Shiller P/E is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. BANC: 214.49 )
BANC' s 10-Year Shiller P/E Range
Min: 6.51   Max: 213.5
Current: 214.49
6.51
213.5

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.77
BANC's Dividend Yield is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. BANC: 3.77 )
BANC' s 10-Year Dividend Yield Range
Min: 0.26   Max: 11.82
Current: 3.77
0.26
11.82
Dividend Payout 1
BANC's Dividend Payout is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. BANC: 1 )
BANC' s 10-Year Dividend Payout Range
Min: 0.31   Max: 1.05
Current: 1
0.31
1.05
Dividend growth (3y) 17.7
BANC's Dividend growth (3y) is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. BANC: 17.7 )
BANC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 24.8
Current: 17.7
0
24.8
Yield on cost (5-Year) 3.31
BANC's Yield on cost (5-Year) is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. BANC: 3.31 )
BANC' s 10-Year Yield on cost (5-Year) Range
Min: 0.23   Max: 10.31
Current: 3.31
0.23
10.31
Share Buyback Rate -29.6
BANC's Share Buyback Rate is ranked lower than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. BANC: -29.6 )
BANC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -29.6
Current: -29.6

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
BANC's Price/Tangible Book is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BANC: 0.8 )
BANC' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.2
Current: 0.8
0.2
2.2
Price/DCF (Projected) 1
BANC's Price/DCF (Projected) is ranked higher than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. BANC: 1 )
BANC' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.9
Current: 1
0.2
0.9
Price/Median PS Value 0.5
BANC's Price/Median PS Value is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BANC: 0.5 )
BANC' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.5
Current: 0.5
0.2
1.5
Price/Graham Number 1
BANC's Price/Graham Number is ranked lower than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BANC: 1 )
BANC' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 2.7
Current: 1
0.7
2.7
Earnings Yield (Greenblatt) 3.10
BANC's Earnings Yield (Greenblatt) is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. BANC: 3.10 )
BANC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 11.1
Current: 3.1
0.2
11.1
Forward Rate of Return (Yacktman) 13.01
BANC's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. BANC: 13.01 )
BANC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.8   Max: 24.1
Current: 13.01
-14.8
24.1

Business Description

First PacTrust Bancorp, Inc. was incorporated under Maryland law in March 2002. The Company operates as the holding company for pacific Trust Bank, a savings and loan holding company whose activities are limited to banking, securities, insurance and financial services-related activities. The Company has several full service and limited service banking offices mainly serving residents of San Diego and Riverside Counties in California. The main business consists of attracting retail deposits from the general public and investing these funds mainly in permanent loans secured by first mortgages on owner-occupied, one-to four- family residences and a variety of consumer loans. The Company also originates loans secured by multi-family and commercial real estate and, to a limited extent, commercial business loans. The Company offers a variety of deposit accounts having a range of interest rates and terms, which generally include savings accounts, money market deposits, certificate accounts and checking accounts. The Company solicits deposits in the Company's market area and, to a lesser extent from institutional depositors nationwide, and has accepted brokered deposits. The Company focuses lending efforts mainly on the origination of loans secured by first mortgages on owner-occupied, one- to four-family residences in San Diego and Riverside counties, California. The Company offers a variety of multi-family and commercial real estate loans. These loans are secured mainly by multi-family dwellings, and a limited amount of small retail establishments, hotels, motels, warehouses, and small office buildings mainly located in the Company's market area. On June 3, 2011, the Company entered into a definitive agreement to acquire for cash all of the outstanding stock of Gateway Bancorp, the privately held holding company for Gateway Business Bank, Cerritos, California. The Company offers a variety of deposit accounts to both consumers and businesses having a range of interest rates and terms. The Company's deposits consist of savings accounts, money market deposit accounts, NOW and demand accounts, and certificates of deposit. Competition in originating real estate loans comes mainly from other savings institutions, commercial banks, credit unions and mortgage bankers. Other savings institutions, commercial banks, credit unions and finance companies provide vigorous competition in consumer lending. The Company is subject to regulatory oversight by the Office of Thrift Supervision.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for BANC

Headlines

Articles On GuruFocus.com
First PacTrust Keeps Buying Mar 21 2013 
First PacTrust Tries to Get the Ball Rolling with Insider Trades Mar 07 2013 
Weekly CEO Sells Highlight: First PacTrust Bancorp, Chico's FAS, Western Refining, and Illinois Tool Aug 28 2012 
15 CEOs Showing Confidence with Increased Dividends Dec 05 2011 
Guru Stocks Raising Dividends: BANC, OGE, MAA, ECL, ARE Dec 05 2011 

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