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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
NAS:CACB's Cash to Debt is ranked higher than
99% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:CACB: No Debt )
Ranked among companies with meaningful Cash to Debt only.
NAS:CACB' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 1.61 Max: No Debt
Current: No Debt
Equity to Asset 0.12
NAS:CACB's Equity to Asset is ranked higher than
69% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:CACB: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NAS: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 12.99
NAS:CACB's Interest Coverage is ranked higher than
91% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:CACB: 12.99 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CACB' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 1.32 Max: 17.68
Current: 12.99
0.25
17.68
F-Score: 4
WACC vs ROIC
5.97%
9.73%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 23.24
NAS:CACB's Operating margin (%) is ranked lower than
68% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NAS:CACB: 23.24 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:CACB' s Operating margin (%) Range Over the Past 10 Years
Min: -142.54  Med: 2.86 Max: 49.36
Current: 23.24
-142.54
49.36
Net-margin (%) 14.29
NAS:CACB's Net-margin (%) is ranked lower than
74% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NAS:CACB: 14.29 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:CACB' s Net-margin (%) Range Over the Past 10 Years
Min: -121.77  Med: 6.92 Max: 81.13
Current: 14.29
-121.77
81.13
ROE (%) 4.77
NAS:CACB's ROE (%) is ranked lower than
76% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NAS:CACB: 4.77 )
Ranked among companies with meaningful ROE (%) only.
NAS:CACB' s ROE (%) Range Over the Past 10 Years
Min: -144.84  Med: 2.92 Max: 30.86
Current: 4.77
-144.84
30.86
ROA (%) 0.58
NAS:CACB's ROA (%) is ranked lower than
68% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:CACB: 0.58 )
Ranked among companies with meaningful ROA (%) only.
NAS:CACB' s ROA (%) Range Over the Past 10 Years
Min: -5.76  Med: 0.33 Max: 3.76
Current: 0.58
-5.76
3.76
Revenue Growth (3Y)(%) 2.60
NAS:CACB's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NAS:CACB: 2.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:CACB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -66.7  Med: 13.3 Max: 20.7
Current: 2.6
-66.7
20.7
EBITDA Growth (3Y)(%) 38.00
NAS:CACB's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:CACB: 38.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:CACB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -66.6  Med: 17.2 Max: 38
Current: 38
-66.6
38
EPS Growth (3Y)(%) 30.70
NAS:CACB's EPS Growth (3Y)(%) is ranked higher than
86% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:CACB: 30.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:CACB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -66.4  Med: 19.4 Max: 30.7
Current: 30.7
-66.4
30.7
» NAS:CACB's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-27)


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

» Details

Guru Trades

Q4 2015

CACB Guru Trades in Q4 2015

Jim Simons 634,107 sh (+31.38%)
First Pacific Advisors 253,743 sh (unchged)
Wilbur Ross 11,468,750 sh (unchged)
» More
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
» 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:NYSE:FBK, NAS:MBWM, NAS:PSTB, NAS:THFF, NAS:TSC, NAS:AROW, NAS:HBNC, NAS:XBKS, NAS:BDGE, NAS:PEBO, NYSE:OFG, NAS:GBNK, NAS:COBZ, NAS:CAC, NAS:FBNC, OTCPK:FMCB, NAS:QCRH, NAS:LION, NAS:FLIC, NAS:BMTC » details
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
P/E(ttm) 33.65
CACB's P/E(ttm) is ranked lower than
90% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. CACB: 33.65 )
Ranked among companies with meaningful P/E(ttm) only.
CACB' s P/E(ttm) Range Over the Past 10 Years
Min: 4.08  Med: 20.41 Max: 116.63
Current: 33.65
4.08
116.63
Forward P/E 20.83
CACB's Forward P/E is ranked lower than
87% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. CACB: 20.83 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 33.65
CACB's PE(NRI) is ranked lower than
90% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. CACB: 33.65 )
Ranked among companies with meaningful PE(NRI) only.
CACB' s PE(NRI) Range Over the Past 10 Years
Min: 4.08  Med: 20.18 Max: 104
Current: 33.65
4.08
104
Price/Owner Earnings (ttm) 39.43
CACB's Price/Owner Earnings (ttm) is ranked lower than
90% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. CACB: 39.43 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CACB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.11  Med: 21.79 Max: 115.56
Current: 39.43
4.11
115.56
P/B 1.66
CACB's P/B is ranked lower than
74% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CACB: 1.66 )
Ranked among companies with meaningful P/B only.
CACB' s P/B Range Over the Past 10 Years
Min: 0.18  Med: 1.34 Max: 4.6
Current: 1.66
0.18
4.6
P/S 5.12
CACB's P/S is ranked lower than
75% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CACB: 5.12 )
Ranked among companies with meaningful P/S only.
CACB' s P/S Range Over the Past 10 Years
Min: 0.14  Med: 3.75 Max: 31.67
Current: 5.12
0.14
31.67
PFCF 1154.08
CACB's PFCF is ranked lower than
100% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CACB: 1154.08 )
Ranked among companies with meaningful PFCF only.
CACB' s PFCF Range Over the Past 10 Years
Min: 0.28  Med: 23.64 Max: 1154.08
Current: 1154.08
0.28
1154.08
POCF 83.24
CACB's POCF is ranked lower than
98% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CACB: 83.24 )
Ranked among companies with meaningful POCF only.
CACB' s POCF Range Over the Past 10 Years
Min: 0.17  Med: 13.96 Max: 83.24
Current: 83.24
0.17
83.24
EV-to-EBIT 17.38
CACB's EV-to-EBIT is ranked lower than
61% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CACB: 17.38 )
Ranked among companies with meaningful EV-to-EBIT only.
CACB' s EV-to-EBIT Range Over the Past 10 Years
Min: -763.7  Med: 8.95 Max: 786.4
Current: 17.38
-763.7
786.4
EV-to-EBITDA 17.38
CACB's EV-to-EBITDA is ranked lower than
66% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. CACB: 17.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
CACB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -763.7  Med: 8.95 Max: 786.4
Current: 17.38
-763.7
786.4

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -15.40
CACB's 3-Year Average Share Buyback Ratio is ranked lower than
84% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CACB: -15.40 )
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: -15.4
-156.2
0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.26
CACB's Price/Tangible Book is ranked lower than
82% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CACB: 2.26 )
Ranked among companies with meaningful Price/Tangible Book only.
CACB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.37  Med: 2.76 Max: 6.06
Current: 2.26
0.37
6.06
Price/Projected FCF 1.47
CACB's Price/Projected FCF is ranked lower than
86% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CACB: 1.47 )
Ranked among companies with meaningful Price/Projected FCF only.
CACB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.03  Med: 0.91 Max: 2.74
Current: 1.47
0.03
2.74
Price/Median PS Value 1.35
CACB's Price/Median PS Value is ranked lower than
66% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CACB: 1.35 )
Ranked among companies with meaningful Price/Median PS Value only.
CACB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.04  Med: 1.07 Max: 6.59
Current: 1.35
0.04
6.59
Price/Graham Number 1.82
CACB's Price/Graham Number is ranked lower than
90% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. CACB: 1.82 )
Ranked among companies with meaningful Price/Graham Number only.
CACB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 1.62 Max: 2.76
Current: 1.82
0.54
2.76
Earnings Yield (Greenblatt) (%) 5.75
CACB's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CACB: 5.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CACB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 4.4 Max: 340.1
Current: 5.75
0.1
340.1
Forward Rate of Return (Yacktman) (%) 73.83
CACB's Forward Rate of Return (Yacktman) (%) is ranked higher than
96% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. CACB: 73.83 )
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: -3.6  Med: 83.75 Max: 250.9
Current: 73.83
-3.6
250.9

More Statistics

Revenue (TTM) (Mil) $114.9
EPS (TTM) $ 0.24
Beta0.48
Short Percentage of Float1.78%
52-Week Range $5.01 - 7.97
Shares Outstanding (Mil)76.26

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 123 142
EPS ($) 0.25 0.38 0.44
EPS w/o NRI ($) 0.25 0.38 0.44
EPS Growth Rate
(3Y to 5Y Estimate)
9.00%
Dividends Per Share ($)
» More Articles for NAS:CACB

Headlines

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

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Cascade Bancorp Acquisition May Not Be in the Best Interests of CACB Shareholders Dec 09 2016
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CASCADE BANCORP Financials Nov 11 2016
CASCADE BANCORP Files SEC form 10-Q, Quarterly Report Nov 04 2016
ETF’s with exposure to Cascade Bancorp : November 3, 2016 Nov 03 2016
Cascade Bancorp breached its 50 day moving average in a Bearish Manner : CACB-US : November 3, 2016 Nov 03 2016
Cascade Bancorp :CACB-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
Cascade Bancorp Reports Third Quarter 2016 Earnings Oct 31 2016
Edited Transcript of CACB earnings conference call or presentation 26-Oct-16 9:00pm GMT Oct 26 2016
Cascade posts 3Q profit Oct 26 2016
Cascade posts 3Q profit Oct 26 2016
Cascade Bancorp Reports Third Quarter 2016 Earnings Per Share Of $0.06 Driven By Double-Digit... Oct 26 2016
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Q3 2016 Cascade Bancorp Earnings Release - After Market Close Oct 26 2016

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