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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 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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: 1.38 Max: No Debt
Current: No Debt
Equity to Asset 0.14
CACB's Equity to Asset is ranked higher than
81% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.09 Max: 0.14
Current: 0.14
0.01
0.14
Interest Coverage 17.68
CACB's Interest Coverage is ranked higher than
93% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CACB: 17.68 )
Ranked among companies with meaningful Interest Coverage only.
CACB' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 1.32 Max: 9999.99
Current: 17.68
0.25
9999.99
F-Score: 5
WACC vs ROIC
2.92%
8.53%
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 (%) 31.98
CACB's Operating margin (%) is ranked higher than
52% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CACB: 31.98 )
Ranked among companies with meaningful Operating margin (%) only.
CACB' s Operating margin (%) Range Over the Past 10 Years
Min: -142.54  Med: 1.12 Max: 49.36
Current: 31.98
-142.54
49.36
Net-margin (%) 19.89
CACB's Net-margin (%) is ranked lower than
59% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CACB: 19.89 )
Ranked among companies with meaningful Net-margin (%) only.
CACB' s Net-margin (%) Range Over the Past 10 Years
Min: -121.77  Med: 4.38 Max: 81.13
Current: 19.89
-121.77
81.13
ROE (%) 6.31
CACB's ROE (%) is ranked lower than
65% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CACB: 6.31 )
Ranked among companies with meaningful ROE (%) only.
CACB' s ROE (%) Range Over the Past 10 Years
Min: -144.84  Med: 1.48 Max: 30.86
Current: 6.31
-144.84
30.86
ROA (%) 0.85
CACB's ROA (%) is ranked lower than
51% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CACB: 0.85 )
Ranked among companies with meaningful ROA (%) only.
CACB' s ROA (%) Range Over the Past 10 Years
Min: -5.76  Med: 0.20 Max: 3.76
Current: 0.85
-5.76
3.76
Revenue Growth (3Y)(%) -100.00
CACB's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CACB: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CACB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 13.30 Max: 20.8
Current: -100
-100
20.8
EBITDA Growth (3Y)(%) -100.00
CACB's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CACB: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CACB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 17.00 Max: 23.6
Current: -100
-100
23.6
EPS Growth (3Y)(%) -100.00
CACB's EPS Growth (3Y)(%) is ranked lower than
92% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CACB: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CACB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 14.30 Max: 24.8
Current: -100
-100
24.8
» CACB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

CACB Guru Trades in Q4 2014

Columbia Wanger 2,004,600 sh (+4.26%)
First Pacific Advisors 253,743 sh (unchged)
Wilbur Ross 11,468,750 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%)
Wilbur Ross 11,468,750 sh (unchged)
First Pacific Advisors 253,743 sh (unchged)
Columbia Wanger Sold Out
» More
Q2 2015

CACB Guru Trades in Q2 2015

Jim Simons 504,166 sh (+67.86%)
First Pacific Advisors 253,743 sh (unchged)
Wilbur Ross 11,468,750 sh (unchged)
» More
Q3 2015

CACB Guru Trades in Q3 2015

First Pacific Advisors 253,743 sh (unchged)
Wilbur Ross 11,468,750 sh (unchged)
Jim Simons 482,656 sh (-4.27%)
» 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) 19.47
CACB's P/E(ttm) is ranked lower than
83% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. CACB: 19.47 )
Ranked among companies with meaningful P/E(ttm) only.
CACB' s P/E(ttm) Range Over the Past 10 Years
Min: 4.05  Med: 19.90 Max: 130
Current: 19.47
4.05
130
Forward P/E 14.27
CACB's Forward P/E is ranked lower than
88% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. CACB: 14.27 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.47
CACB's PE(NRI) is ranked lower than
81% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CACB: 19.47 )
Ranked among companies with meaningful PE(NRI) only.
CACB' s PE(NRI) Range Over the Past 10 Years
Min: 4.04  Med: 19.32 Max: 130
Current: 19.47
4.04
130
P/B 1.16
CACB's P/B is ranked lower than
65% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CACB: 1.16 )
Ranked among companies with meaningful P/B only.
CACB' s P/B Range Over the Past 10 Years
Min: 0.18  Med: 1.58 Max: 4.6
Current: 1.16
0.18
4.6
P/S 3.75
CACB's P/S is ranked lower than
75% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. CACB: 3.75 )
Ranked among companies with meaningful P/S only.
CACB' s P/S Range Over the Past 10 Years
Min: 0.14  Med: 3.80 Max: 31.67
Current: 3.75
0.14
31.67
PFCF 11.51
CACB's PFCF is ranked lower than
65% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. CACB: 11.51 )
Ranked among companies with meaningful PFCF only.
CACB' s PFCF Range Over the Past 10 Years
Min: 0.28  Med: 19.26 Max: 86.67
Current: 11.51
0.28
86.67
POCF 11.51
CACB's POCF is ranked lower than
73% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CACB: 11.51 )
Ranked among companies with meaningful POCF only.
CACB' s POCF Range Over the Past 10 Years
Min: 0.17  Med: 13.32 Max: 74.29
Current: 11.51
0.17
74.29
EV-to-EBIT 12.44
CACB's EV-to-EBIT is ranked higher than
50% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. CACB: 12.44 )
Ranked among companies with meaningful EV-to-EBIT only.
CACB' s EV-to-EBIT Range Over the Past 10 Years
Min: -763.7  Med: 10.70 Max: 786.4
Current: 12.44
-763.7
786.4
EV-to-EBITDA 12.44
CACB's EV-to-EBITDA is ranked lower than
57% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. CACB: 12.44 )
Ranked among companies with meaningful EV-to-EBITDA only.
CACB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -763.7  Med: 10.70 Max: 786.4
Current: 12.44
-763.7
786.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
CACB's Price/Tangible Book is ranked lower than
76% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CACB: 1.57 )
Ranked among companies with meaningful Price/Tangible Book only.
CACB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.13  Med: 2.91 Max: 6.06
Current: 1.57
1.13
6.06
Price/Projected FCF 1.07
CACB's Price/Projected FCF is ranked lower than
80% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CACB: 1.07 )
Ranked among companies with meaningful Price/Projected FCF only.
CACB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.09  Med: 1.18 Max: 2.28
Current: 1.07
0.09
2.28
Price/Median PS Value 0.99
CACB's Price/Median PS Value is ranked lower than
56% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CACB: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
CACB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.05  Med: 1.02 Max: 3.77
Current: 0.99
0.05
3.77
Price/Graham Number 1.14
CACB's Price/Graham Number is ranked lower than
77% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CACB: 1.14 )
Ranked among companies with meaningful Price/Graham Number only.
CACB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 1.72 Max: 2.52
Current: 1.14
0.54
2.52
Earnings Yield (Greenblatt) (%) 7.96
CACB's Earnings Yield (Greenblatt) (%) is ranked higher than
57% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CACB: 7.96 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CACB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 4.30 Max: 340.1
Current: 7.96
0.1
340.1
Forward Rate of Return (Yacktman) (%) 121.73
CACB's Forward Rate of Return (Yacktman) (%) is ranked higher than
95% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CACB: 121.73 )
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: -3.2  Med: 70.80 Max: 250.9
Current: 121.73
-3.2
250.9

More Statistics

Revenue(Mil) $103
EPS $ 0.29
Beta0.14
Short Percentage of Float2.53%
52-Week Range $4.55 - 6.25
Shares Outstanding(Mil)72.78

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 0.27 0.29 0.38
EPS without NRI($) 0.27 0.29 0.38

Latest Earnings Webcast

» More Conference Calls

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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