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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
CACB's Cash to Debt is ranked higher than
100% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. CACB: No Debt )
Ranked among companies with meaningful Cash to Debt only.
CACB' s 10-Year Cash to Debt Range
Min: 0.13  Med: 1.58 Max: No Debt
Current: No Debt
Equity to Asset 0.14
CACB's Equity to Asset is ranked higher than
81% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CACB: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
CACB' s 10-Year Equity to Asset Range
Min: 0.01  Med: 0.09 Max: 0.14
Current: 0.14
0.01
0.14
Interest Coverage 1.71
CACB's Interest Coverage is ranked higher than
52% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CACB: 1.71 )
Ranked among companies with meaningful Interest Coverage only.
CACB' s 10-Year Interest Coverage Range
Min: 0.25  Med: 1.65 Max: 5.67
Current: 1.71
0.25
5.67
F-Score: 5
WACC vs ROIC
25.49%
4.17%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 11.49
CACB's Operating margin (%) is ranked lower than
84% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. CACB: 11.49 )
Ranked among companies with meaningful Operating margin (%) only.
CACB' s 10-Year Operating margin (%) Range
Min: -142.54  Med: 38.23 Max: 49.36
Current: 11.49
-142.54
49.36
Net-margin (%) 8.31
CACB's Net-margin (%) is ranked lower than
86% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CACB: 8.31 )
Ranked among companies with meaningful Net-margin (%) only.
CACB' s 10-Year Net-margin (%) Range
Min: -121.77  Med: 24.23 Max: 81.13
Current: 8.31
-121.77
81.13
ROE (%) 2.74
CACB's ROE (%) is ranked lower than
84% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CACB: 2.74 )
Ranked among companies with meaningful ROE (%) only.
CACB' s 10-Year ROE (%) Range
Min: -144.84  Med: 21.13 Max: 30.86
Current: 2.74
-144.84
30.86
ROA (%) 0.37
CACB's ROA (%) is ranked lower than
77% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CACB: 0.37 )
Ranked among companies with meaningful ROA (%) only.
CACB' s 10-Year ROA (%) Range
Min: -5.76  Med: 1.90 Max: 3.76
Current: 0.37
-5.76
3.76
Revenue Growth (3Y)(%) -3.40
CACB's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CACB: -3.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CACB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -66.7  Med: 15.50 Max: 20.8
Current: -3.4
-66.7
20.8
» CACB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CACB Guru Trades in Q2 2014

HOTCHKIS & WILEY 897,915 sh (New)
First Pacific Advisors 253,743 sh (New)
Columbia Wanger 176,000 sh (New)
Jim Simons 363,311 sh (+822.23%)
Wilbur Ross 11,468,750 sh (unchged)
» More
Q3 2014

CACB Guru Trades in Q3 2014

Columbia Wanger 1,922,634 sh (+992.41%)
First Pacific Advisors 253,743 sh (unchged)
Wilbur Ross 11,468,750 sh (unchged)
HOTCHKIS & WILEY Sold Out
Jim Simons 244,307 sh (-32.76%)
» More
Q4 2014

CACB Guru Trades in Q4 2014

Columbia Wanger 2,004,600 sh (+4.26%)
Wilbur Ross 11,468,750 sh (unchged)
First Pacific Advisors 253,743 sh (unchged)
Jim Simons 235,256 sh (-3.70%)
» More
Q1 2015

CACB Guru Trades in Q1 2015

Jim Simons 300,356 sh (+27.67%)
First Pacific Advisors 253,743 sh (unchged)
Wilbur Ross 11,468,750 sh (unchged)
Columbia Wanger Sold Out
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 59.51
CACB's P/E(ttm) is ranked lower than
95% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CACB: 59.51 )
Ranked among companies with meaningful P/E(ttm) only.
CACB' s 10-Year P/E(ttm) Range
Min: 4.05  Med: 20.10 Max: 130
Current: 59.51
4.05
130
Forward P/E 15.97
CACB's Forward P/E is ranked lower than
80% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. CACB: 15.97 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 58.30
CACB's PE(NRI) is ranked lower than
95% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CACB: 58.30 )
Ranked among companies with meaningful PE(NRI) only.
CACB' s 10-Year PE(NRI) Range
Min: 4.04  Med: 19.80 Max: 130
Current: 58.3
4.04
130
P/B 1.19
CACB's P/B is ranked lower than
56% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CACB: 1.19 )
Ranked among companies with meaningful P/B only.
CACB' s 10-Year P/B Range
Min: 0.18  Med: 1.69 Max: 4.6
Current: 1.19
0.18
4.6
P/S 3.86
CACB's P/S is ranked lower than
65% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CACB: 3.86 )
Ranked among companies with meaningful P/S only.
CACB' s 10-Year P/S Range
Min: 0.14  Med: 3.85 Max: 31.67
Current: 3.86
0.14
31.67
PFCF 41.22
CACB's PFCF is ranked lower than
91% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. CACB: 41.22 )
Ranked among companies with meaningful PFCF only.
CACB' s 10-Year PFCF Range
Min: 0.28  Med: 21.38 Max: 86.67
Current: 41.22
0.28
86.67
POCF 35.73
CACB's POCF is ranked lower than
93% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. CACB: 35.73 )
Ranked among companies with meaningful POCF only.
CACB' s 10-Year POCF Range
Min: 0.17  Med: 14.63 Max: 74.29
Current: 35.73
0.17
74.29
EV-to-EBIT 30.05
CACB's EV-to-EBIT is ranked lower than
82% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. CACB: 30.05 )
Ranked among companies with meaningful EV-to-EBIT only.
CACB' s 10-Year EV-to-EBIT Range
Min: -763.7  Med: 12.80 Max: 786.4
Current: 30.05
-763.7
786.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.66
CACB's Price/Tangible Book is ranked lower than
71% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CACB: 1.66 )
Ranked among companies with meaningful Price/Tangible Book only.
CACB' s 10-Year Price/Tangible Book Range
Min: 0.37  Med: 2.83 Max: 6.06
Current: 1.66
0.37
6.06
Price/Projected FCF 1.00
CACB's Price/Projected FCF is ranked lower than
72% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CACB: 1.00 )
Ranked among companies with meaningful Price/Projected FCF only.
CACB' s 10-Year Price/Projected FCF Range
Min: 0.06  Med: 1.30 Max: 2.5
Current: 1
0.06
2.5
Price/Median PS Value 1.00
CACB's Price/Median PS Value is ranked higher than
71% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CACB: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
CACB' s 10-Year Price/Median PS Value Range
Min: 0.04  Med: 1.04 Max: 6.42
Current: 1
0.04
6.42
Price/Graham Number 1.90
CACB's Price/Graham Number is ranked lower than
94% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CACB: 1.90 )
Ranked among companies with meaningful Price/Graham Number only.
CACB' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 1.66 Max: 2.72
Current: 1.9
0.54
2.72
Earnings Yield (Greenblatt) (%) 3.33
CACB's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CACB: 3.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CACB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 4.20 Max: 340.1
Current: 3.33
0.1
340.1
Forward Rate of Return (Yacktman) (%) 122.35
CACB's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. CACB: 122.35 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CACB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.1  Med: 54.05 Max: 250.9
Current: 122.35
-4.1
250.9

Analyst Estimate

Dec15 Dec16
EPS($) 0.26 0.33
EPS without NRI($) 0.26 0.33

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for CACB

Headlines

Articles On GuruFocus.com
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 
Cascade Bancorp Reports Operating Results (10-K/A) Aug 23 2010 
Cascade Bancorp Reports Operating Results (10-Q) May 17 2010 
Cascade Bancorp Reports Operating Results (10-Q) Oct 29 2009 

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