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GuruFocus Financial Strength Rank measures how strong a company’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 : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
CACB's Cash-to-Debt is ranked higher than
99% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CACB: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
CACB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 2.01 Max: No Debt
Current: No Debt
Equity-to-Asset 0.12
CACB's Equity-to-Asset is ranked higher than
70% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CACB: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
CACB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.09 Max: 0.14
Current: 0.12
0.01
0.14
Interest Coverage 14.85
CACB's Interest Coverage is ranked higher than
91% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CACB: 14.85 )
Ranked among companies with meaningful Interest Coverage only.
CACB' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 1.46 Max: 17.68
Current: 14.85
0.25
17.68
WACC vs ROIC
5.83%
12.04%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 4/10

vs
industry
vs
history
Operating Margin % 27.69
CACB's Operating Margin % is ranked lower than
71% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CACB: 27.69 )
Ranked among companies with meaningful Operating Margin % only.
CACB' s Operating Margin % Range Over the Past 10 Years
Min: -142.54  Med: 2.86 Max: 36.82
Current: 27.69
-142.54
36.82
Net Margin % 16.96
CACB's Net Margin % is ranked lower than
76% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CACB: 16.96 )
Ranked among companies with meaningful Net Margin % only.
CACB' s Net Margin % Range Over the Past 10 Years
Min: -121.77  Med: 6.92 Max: 81.13
Current: 16.96
-121.77
81.13
ROE % 6.00
CACB's ROE % is ranked lower than
76% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CACB: 6.00 )
Ranked among companies with meaningful ROE % only.
CACB' s ROE % Range Over the Past 10 Years
Min: -144.84  Med: 2.92 Max: 30.86
Current: 6
-144.84
30.86
ROA % 0.70
CACB's ROA % is ranked lower than
70% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CACB: 0.70 )
Ranked among companies with meaningful ROA % only.
CACB' s ROA % Range Over the Past 10 Years
Min: -5.76  Med: 0.33 Max: 3.76
Current: 0.7
-5.76
3.76
3-Year Revenue Growth Rate 8.80
CACB's 3-Year Revenue Growth Rate is ranked higher than
71% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CACB: 8.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CACB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -66.7  Med: 13.3 Max: 20.7
Current: 8.8
-66.7
20.7
3-Year EBITDA Growth Rate 78.30
CACB's 3-Year EBITDA Growth Rate is ranked higher than
97% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CACB: 78.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CACB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -66.6  Med: 18.5 Max: 78.3
Current: 78.3
-66.6
78.3
3-Year EPS without NRI Growth Rate -40.10
CACB's 3-Year EPS without NRI Growth Rate is ranked lower than
96% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CACB: -40.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CACB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -66.4  Med: 17.1 Max: 30.7
Current: -40.1
-66.4
30.7
GuruFocus has detected 2 Warning Signs with Cascade Bancorp $CACB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CACB's 10-Y Financials

Financials (Next Earnings Date: 2017-07-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CACB Guru Trades in Q1 2016

Jim Simons 714,256 sh (+12.64%)
Wilbur Ross 11,468,750 sh (unchged)
First Pacific Advisors Sold Out
» More
Q2 2016

CACB Guru Trades in Q2 2016

Jim Simons 766,356 sh (+7.29%)
Wilbur Ross 11,478,529 sh (+0.09%)
» More
Q3 2016

CACB Guru Trades in Q3 2016

Jim Simons 895,707 sh (+16.88%)
Wilbur Ross 11,478,529 sh (unchged)
» More
Q4 2016

CACB Guru Trades in Q4 2016

Paul Tudor Jones 283,910 sh (New)
Mario Gabelli 22,400 sh (New)
Jim Simons 1,842,507 sh (+105.70%)
Wilbur Ross 11,478,529 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CACB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:LION, NAS:HBNC, NAS:THFF, NAS:PEBO, NAS:MBWM, NAS:QCRH, NAS:PCBK, NAS:MSBI, NAS:HTBK, NAS:FLIC, NAS:PSTB, NAS:PGC, NYSE:OFG, NAS:GNBC, NAS:FFWM, AMEX:BHB, NYSE:FSB, NAS:BMTC, NAS:TSC, NAS:SGBK » details
Headquarter Location:USA
Cascade Bancorp is a bank holding company. The Company, through its wholly-owned subsidiary, Bank of the Cascades, offers commercial and retail banking services to its customers.

Cascade Bancorp was formed in 1990 and is a publicly traded bank holding company. The Bancorp conducts its business activities through its wholly-owned subsidiary, Bank of the Cascades. The Bank is an Oregon state chartered bank which operates more 28 branches serving communities in Central, Southern and Northwest Oregon, as well as in the greater Boise/Treasure Valley, Idaho area. It offers commercial and retail banking services to its customers. It lends to small to medium-sized businesses, municipalities and public organizations, professional and consumer relationships. It also provides commercial real estate loans, real estate construction and development loans, commercial and industrial loans as well as consumer installment, line-of-credit, credit card, and home equity loans. It originates residential mortgage loans that are sold on the secondary market. The Bank provides consumer deposit services with a suite of cash management services. It also provides trust-related services to its clients. The Bank competes principally with other commercial banks, savings and loan associations, credit unions, mortgage companies, brokers, and other non-bank financial services providers. It is subject to a number of state and federal legislative regulations which include, among others, the statutory maximum legal lending rates, domestic monetary policies of the Federal Reserve Board, the U.S. Department of Treasury fiscal policy, and capital adequacy and liquidity constraints imposed by federal and state regulatory agencies.

Ratios

vs
industry
vs
history
PE Ratio 25.37
CACB's PE Ratio is ranked lower than
90% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CACB: 25.37 )
Ranked among companies with meaningful PE Ratio only.
CACB' s PE Ratio Range Over the Past 10 Years
Min: 4.08  Med: 21.16 Max: 116.63
Current: 25.37
4.08
116.63
Forward PE Ratio 21.01
CACB's Forward PE Ratio is ranked lower than
91% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. CACB: 21.01 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 25.37
CACB's PE Ratio without NRI is ranked lower than
90% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CACB: 25.37 )
Ranked among companies with meaningful PE Ratio without NRI only.
CACB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.08  Med: 20.64 Max: 104
Current: 25.37
4.08
104
Price-to-Owner-Earnings 35.07
CACB's Price-to-Owner-Earnings is ranked lower than
90% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CACB: 35.07 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CACB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.11  Med: 22.23 Max: 115.56
Current: 35.07
4.11
115.56
PB Ratio 1.53
CACB's PB Ratio is ranked lower than
72% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CACB: 1.53 )
Ranked among companies with meaningful PB Ratio only.
CACB' s PB Ratio Range Over the Past 10 Years
Min: 0.18  Med: 1.33 Max: 3.41
Current: 1.53
0.18
3.41
PS Ratio 4.51
CACB's PS Ratio is ranked lower than
70% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CACB: 4.51 )
Ranked among companies with meaningful PS Ratio only.
CACB' s PS Ratio Range Over the Past 10 Years
Min: 0.14  Med: 3.75 Max: 31.67
Current: 4.51
0.14
31.67
Price-to-Free-Cash-Flow 21.93
CACB's Price-to-Free-Cash-Flow is ranked lower than
83% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CACB: 21.93 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CACB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.17  Med: 14.6 Max: 108.81
Current: 21.93
0.17
108.81
Price-to-Operating-Cash-Flow 20.03
CACB's Price-to-Operating-Cash-Flow is ranked lower than
84% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CACB: 20.03 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CACB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.17  Med: 13.95 Max: 75.15
Current: 20.03
0.17
75.15
EV-to-EBIT 14.63
CACB's EV-to-EBIT is ranked lower than
70% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CACB: 14.63 )
Ranked among companies with meaningful EV-to-EBIT only.
CACB' s EV-to-EBIT Range Over the Past 10 Years
Min: -763.7  Med: 8.9 Max: 786.4
Current: 14.63
-763.7
786.4
EV-to-EBITDA 14.48
CACB's EV-to-EBITDA is ranked lower than
75% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CACB: 14.48 )
Ranked among companies with meaningful EV-to-EBITDA only.
CACB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -763.7  Med: 8.9 Max: 786.4
Current: 14.48
-763.7
786.4

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -17.00
CACB's 3-Year Average Share Buyback Ratio is ranked lower than
87% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CACB: -17.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CACB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -156.2  Med: -2.7 Max: 0.8
Current: -17
-156.2
0.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.06
CACB's Price-to-Tangible-Book is ranked lower than
81% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CACB: 2.06 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CACB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.13  Med: 2.42 Max: 6.06
Current: 2.06
1.13
6.06
Price-to-Intrinsic-Value-Projected-FCF 1.24
CACB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
83% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CACB: 1.24 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CACB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.06  Med: 1.32 Max: 2.21
Current: 1.24
0.06
2.21
Price-to-Median-PS-Value 1.20
CACB's Price-to-Median-PS-Value is ranked lower than
58% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CACB: 1.20 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CACB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.05  Med: 1.06 Max: 3.82
Current: 1.2
0.05
3.82
Price-to-Graham-Number 1.77
CACB's Price-to-Graham-Number is ranked lower than
92% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CACB: 1.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CACB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.54  Med: 1.51 Max: 2.52
Current: 1.77
0.54
2.52
Earnings Yield (Greenblatt) % 6.84
CACB's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CACB: 6.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CACB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 5.4 Max: 340.1
Current: 6.84
0.1
340.1
Forward Rate of Return (Yacktman) % 119.07
CACB's Forward Rate of Return (Yacktman) % is ranked higher than
98% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CACB: 119.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CACB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -0.3  Med: 86.95 Max: 250.9
Current: 119.07
-0.3
250.9

More Statistics

Revenue (TTM) (Mil) $127.3
EPS (TTM) $ 0.30
Beta0.58
Short Percentage of Float0.53%
52-Week Range $5.27 - 8.52
Shares Outstanding (Mil)76.26

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 142 155
EPS ($) 0.38 0.44
EPS without NRI ($) 0.38 0.44
EPS Growth Rate
(Future 3Y To 5Y Estimate)
9.00%
Dividends per Share ($)
» More Articles for CACB

Headlines

Articles On GuruFocus.com
SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Files Class Action Suit Against Cascade Bancorp Apr 03 2017 
US Commerce Secretary Wilbur Ross Explains Trade Plans Mar 31 2017 
Wilbur Ross Holdings Turns Chemical Company, Steven Romick Firm Buys 20% May 26 2016 
The Art of the Turnaround - Wilbur Ross Review of Low P/E Stocks Dec 13 2013 
Sector Watch: Banks - Regionals Merge on Low, Held by Billionaires Nov 04 2013 
Solid Six from Self-Made Billionaire, King of Restructures Wilbur Ross, Net Worth $2.6B Jul 19 2013 
Wilbur Ross’ Top Trades in Q1 May 24 2011 
Cascade Bancorp Reports Operating Results (10-Q) Nov 03 2010 
Cascade Bancorp Reports Operating Results (10-Q/A) Aug 24 2010 
Cascade Bancorp Reports Operating Results (10-Q) Aug 24 2010 

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SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Files Class Action Suit Against Cascade Bancorp Apr 03 2017
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Cascade Bancorp breached its 50 day moving average in a Bearish Manner : CACB-US : March 21, 2017 Mar 21 2017
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ETFs with exposure to Cascade Bancorp : February 2, 2017 Feb 02 2017
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