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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
94% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CACB: No Debt )
CACB' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: No Debt

Equity to Asset 0.13
CACB's Equity to Asset is ranked higher than
86% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CACB: 0.13 )
CACB' s 10-Year Equity to Asset Range
Min: 0.01   Max: 0.14
Current: 0.13

0.01
0.14
Interest Coverage 0.25
CACB's Interest Coverage is ranked lower than
51% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CACB: 0.25 )
CACB' s 10-Year Interest Coverage Range
Min: 0.25   Max: 5.67
Current: 0.25

0.25
5.67
F-Score: 4
Z-Score: 0.06
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 (%) -2.42
CACB's Operating margin (%) is ranked higher than
50% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. CACB: -2.42 )
CACB' s 10-Year Operating margin (%) Range
Min: -142.54   Max: 49.36
Current: -2.42

-142.54
49.36
Net-margin (%) -0.09
CACB's Net-margin (%) is ranked higher than
50% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. CACB: -0.09 )
CACB' s 10-Year Net-margin (%) Range
Min: -121.77   Max: 81.13
Current: -0.09

-121.77
81.13
ROE (%) -0.03
CACB's ROE (%) is ranked higher than
51% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. CACB: -0.03 )
CACB' s 10-Year ROE (%) Range
Min: -144.84   Max: 30.86
Current: -0.03

-144.84
30.86
ROA (%) 3.76
CACB's ROA (%) is ranked higher than
98% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CACB: 3.76 )
CACB' s 10-Year ROA (%) Range
Min: -5.76   Max: 3.76
Current: 3.76

-5.76
3.76
ROC (Joel Greenblatt) (%) -4.95
CACB's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. CACB: -4.95 )
CACB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -316.8   Max: 320
Current: -4.95

-316.8
320
Revenue Growth (3Y)(%) -63.30
CACB's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CACB: -63.30 )
CACB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -66.7   Max: 20.8
Current: -63.3

-66.7
20.8
» CACB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

CACB Guru Trades in Q4 2013

Wilbur Ross 11,468,750 sh (unchged)
» More
Q1 2014

CACB Guru Trades in Q1 2014

Jim Simons 39,395 sh (New)
Wilbur Ross 11,468,750 sh (unchged)
» More
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%)
Wilbur Ross 11,468,750 sh (unchged)
First Pacific Advisors 253,743 sh (unchged)
HOTCHKIS & WILEY Sold Out
Jim Simons 244,307 sh (-32.76%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2014-09-30 Sold Out 0.02%$4.97 - $5.58 $ 5.17-2%0
HOTCHKIS & WILEY 2014-06-30 New Buy0.02%$4.2 - $5.68 $ 5.178%897915
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 1.21
CACB's P/B is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CACB: 1.21 )
CACB' s 10-Year P/B Range
Min: 0.18   Max: 4.67
Current: 1.21

0.18
4.67
P/S 3.77
CACB's P/S is ranked higher than
71% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. CACB: 3.77 )
CACB' s 10-Year P/S Range
Min: 0.14   Max: 31.67
Current: 3.77

0.14
31.67
PFCF 57.44
CACB's PFCF is ranked higher than
73% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CACB: 57.44 )
CACB' s 10-Year PFCF Range
Min: 0.28   Max: 85.5
Current: 57.44

0.28
85.5
EV-to-EBIT -127.81
CACB's EV-to-EBIT is ranked lower than
53% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. CACB: -127.81 )
CACB' s 10-Year EV-to-EBIT Range
Min: -763.7   Max: 786.4
Current: -127.81

-763.7
786.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
CACB's Price/Tangible Book is ranked higher than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CACB: 1.70 )
CACB' s 10-Year Price/Tangible Book Range
Min: 0.37   Max: 7.58
Current: 1.7

0.37
7.58
Price/DCF (Projected) 0.87
CACB's Price/DCF (Projected) is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. CACB: 0.87 )
CACB' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 2.5
Current: 0.87

0.05
2.5
Price/Median PS Value 0.93
CACB's Price/Median PS Value is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CACB: 0.93 )
CACB' s 10-Year Price/Median PS Value Range
Min: 0.04   Max: 6.11
Current: 0.93

0.04
6.11
Earnings Yield (Greenblatt) -0.80
CACB's Earnings Yield (Greenblatt) is ranked higher than
51% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CACB: -0.80 )
CACB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 340.1
Current: -0.8

0.1
340.1
Forward Rate of Return (Yacktman) 124.40
CACB's Forward Rate of Return (Yacktman) is ranked higher than
98% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. CACB: 124.40 )
CACB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.1   Max: 250.9
Current: 124.4

-4.1
250.9

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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