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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 1.05
COBZ's Cash to Debt is ranked higher than
74% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. COBZ: 1.05 )
COBZ' s 10-Year Cash to Debt Range
Min: 0.07   Max: 1.09
Current: 1.05

0.07
1.09
Equity to Asset 0.10
COBZ's Equity to Asset is ranked higher than
70% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. COBZ: 0.10 )
COBZ' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1

0.07
0.1
Interest Coverage 3.91
COBZ's Interest Coverage is ranked higher than
89% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. COBZ: 3.91 )
COBZ' s 10-Year Interest Coverage Range
Min: 0.03   Max: 3.91
Current: 3.91

0.03
3.91
F-Score: 4
Z-Score: 0.20
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 (%) 32.22
COBZ's Operating margin (%) is ranked higher than
76% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. COBZ: 32.22 )
COBZ' s 10-Year Operating margin (%) Range
Min: -88.71   Max: 36.97
Current: 32.22

-88.71
36.97
Net-margin (%) 21.81
COBZ's Net-margin (%) is ranked higher than
75% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. COBZ: 21.81 )
COBZ' s 10-Year Net-margin (%) Range
Min: -63.38   Max: 26.3
Current: 21.81

-63.38
26.3
ROE (%) 9.82
COBZ's ROE (%) is ranked higher than
81% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. COBZ: 9.82 )
COBZ' s 10-Year ROE (%) Range
Min: -36.03   Max: 15.2
Current: 9.82

-36.03
15.2
ROA (%) 0.99
COBZ's ROA (%) is ranked higher than
82% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. COBZ: 0.99 )
COBZ' s 10-Year ROA (%) Range
Min: -3.37   Max: 1.38
Current: 0.99

-3.37
1.38
ROC (Joel Greenblatt) (%) 675.99
COBZ's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. COBZ: 675.99 )
COBZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1416.73   Max: 675.99
Current: 675.99

-1416.73
675.99
Revenue Growth (%) -4.00
COBZ's Revenue Growth (%) is ranked higher than
62% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. COBZ: -4.00 )
COBZ' s 10-Year Revenue Growth (%) Range
Min: -14.9   Max: 21.6
Current: -4

-14.9
21.6
» COBZ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

COBZ Guru Trades in Q1 2013

Jim Simons 187,439 sh (+36.82%)
» More
Q2 2013

COBZ Guru Trades in Q2 2013

Jim Simons 256,599 sh (+36.9%)
» More
Q3 2013

COBZ Guru Trades in Q3 2013

Jim Simons 346,000 sh (+34.84%)
» More
Q4 2013

COBZ Guru Trades in Q4 2013

Jim Simons 311,300 sh (-10.03%)
» More
» Details

Insider Trades

Latest Guru Trades with COBZ



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.20
COBZ's P/E(ttm) is ranked higher than
57% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. COBZ: 16.20 )
COBZ' s 10-Year P/E(ttm) Range
Min: 6.78   Max: 170.34
Current: 16.2

6.78
170.34
P/B 1.55
COBZ's P/B is ranked lower than
52% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. COBZ: 1.55 )
COBZ' s 10-Year P/B Range
Min: 0.4   Max: 3.95
Current: 1.55

0.4
3.95
P/S 3.39
COBZ's P/S is ranked lower than
54% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. COBZ: 3.39 )
COBZ' s 10-Year P/S Range
Min: 0.73   Max: 5.85
Current: 3.39

0.73
5.85
PFCF 17.19
COBZ's PFCF is ranked lower than
68% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. COBZ: 17.19 )
COBZ' s 10-Year PFCF Range
Min: 2.21   Max: 32.51
Current: 17.19

2.21
32.51
EV-to-EBIT 12.49
COBZ's EV-to-EBIT is ranked higher than
75% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. COBZ: 12.49 )
COBZ' s 10-Year EV-to-EBIT Range
Min: 8   Max: 508
Current: 12.49

8
508
PEG 1.60
COBZ's PEG is ranked higher than
56% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. COBZ: 1.60 )
COBZ' s 10-Year PEG Range
Min: 1.14   Max: 8.54
Current: 1.6

1.14
8.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
COBZ's Dividend Yield is ranked lower than
79% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. COBZ: 1.20 )
COBZ' s 10-Year Dividend Yield Range
Min: 0.52   Max: 6.62
Current: 1.2

0.52
6.62
Dividend Payout 0.16
COBZ's Dividend Payout is ranked higher than
83% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. COBZ: 0.16 )
COBZ' s 10-Year Dividend Payout Range
Min: 0.05   Max: 5.6
Current: 0.16

0.05
5.6
Dividend growth (3y) 44.20
COBZ's Dividend growth (3y) is ranked higher than
95% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. COBZ: 44.20 )
COBZ' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 44.2
Current: 44.2

0
44.2
Yield on cost (5-Year) 1.91
COBZ's Yield on cost (5-Year) is ranked lower than
61% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. COBZ: 1.91 )
COBZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.83   Max: 10.52
Current: 1.91

0.83
10.52
Share Buyback Rate -2.70
COBZ's Share Buyback Rate is ranked higher than
70% of the 1172 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.60 vs. COBZ: -2.70 )
COBZ' s 10-Year Share Buyback Rate Range
Min: -0.2   Max: -16.4
Current: -2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
COBZ's Price/Tangible Book is ranked higher than
53% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. COBZ: 1.57 )
COBZ' s 10-Year Price/Tangible Book Range
Min: 0.77   Max: 5.49
Current: 1.57

0.77
5.49
Price/DCF (Projected) 0.79
COBZ's Price/DCF (Projected) is ranked higher than
51% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. COBZ: 0.79 )
COBZ' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 1.42
Current: 0.79

0.39
1.42
Price/Median PS Value 1.20
COBZ's Price/Median PS Value is ranked lower than
55% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. COBZ: 1.20 )
COBZ' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 1.86
Current: 1.2

0.36
1.86
Price/Graham Number 1.05
COBZ's Price/Graham Number is ranked higher than
53% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. COBZ: 1.05 )
COBZ' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 2.6
Current: 1.05

0.53
2.6
Earnings Yield (Greenblatt) 8.00
COBZ's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. COBZ: 8.00 )
COBZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 12.5
Current: 8

0.2
12.5
Forward Rate of Return (Yacktman) 8.63
COBZ's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. COBZ: 8.63 )
COBZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.4   Max: 28.2
Current: 8.63

-0.4
28.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
CoBiz Financial, Inc. was incorporated in Colorado on February 19, 1980, as Equitable Bancorporation, Inc. The Company is a financial services company headquartered in Denver, CO. It operates five distinct segments which are Commercial Banking, Investment Banking, Investment Advisory and Trust, Insurance and Corporate Support and Other. Through its subsidiary companies, it combine elements of personalized service found in community banks with sophisticated financial products and services traditionally offered by larger regional banks that it market to its targeted customer base of professionals, high-net-worth individuals and small to mid-sized businesses. The Company's wholly owned subsidiary CoBiz Bank (the Bank) is a full-service business banking institution serving two markets, Colorado and Arizona. In Colorado, the Bank operates under the name Colorado Business Bank and has 12 locations, including nine in the Denver metropolitan area, one in Boulder and two in the Vail area. In Arizona, the Bank operates under the name Arizona Business Bank and has six locations serving the Phoenix metropolitan area and the surrounding area of Maricopa County. It focuses on attracting and retaining high-quality personnel by maintaining an entrepreneurial culture and a decentralized business approach. CoBiz and its subsidiaries face competition in all of its principal business activities, not only from other financial holding companies and commercial banks, but also from savings and loan associations, credit unions, finance companies, mortgage companies, leasing companies, insurance companies, investment advisors, mutual funds, securities brokers and dealers, investment banks, other domestic and foreign financial institutions, and various nonfinancial institutions. CoBiz is a financial holding company registered under the Bank Holding Company Act of 1956, as amended (the BHCA), and is subject to regulation, supervision and examination by the Board of Governors of the Federal Reserve System (FRB).

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