Switch to:

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 0.50
COBZ's Cash to Debt is ranked higher than
63% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. COBZ: 0.50 )
COBZ' s 10-Year Cash to Debt Range
Min: 0.07   Max: 1.09
Current: 0.5

0.07
1.09
Equity to Asset 0.10
COBZ's Equity to Asset is ranked higher than
71% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 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 5.24
COBZ's Interest Coverage is ranked higher than
90% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. COBZ: 5.24 )
COBZ' s 10-Year Interest Coverage Range
Min: 0.03   Max: 5.24
Current: 5.24

0.03
5.24
F-Score: 4
Z-Score: 0.24
WACC vs ROIC
11.83%
7.37%
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 (%) 32.64
COBZ's Operating margin (%) is ranked higher than
77% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. COBZ: 32.64 )
COBZ' s 10-Year Operating margin (%) Range
Min: -88.71   Max: 36.97
Current: 32.64

-88.71
36.97
Net-margin (%) 21.60
COBZ's Net-margin (%) is ranked higher than
73% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. COBZ: 21.60 )
COBZ' s 10-Year Net-margin (%) Range
Min: -63.38   Max: 26.3
Current: 21.6

-63.38
26.3
ROE (%) 10.20
COBZ's ROE (%) is ranked higher than
80% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. COBZ: 10.20 )
COBZ' s 10-Year ROE (%) Range
Min: -34.42   Max: 16.44
Current: 10.2

-34.42
16.44
ROA (%) 1.02
COBZ's ROA (%) is ranked higher than
80% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. COBZ: 1.02 )
COBZ' s 10-Year ROA (%) Range
Min: -3.22   Max: 1.39
Current: 1.02

-3.22
1.39
ROC (Joel Greenblatt) (%) 101.09
COBZ's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. COBZ: 101.09 )
COBZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -143.76   Max: 621.55
Current: 101.09

-143.76
621.55
Revenue Growth (3Y)(%) -0.40
COBZ's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. COBZ: -0.40 )
COBZ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.9   Max: 21.6
Current: -0.4

-14.9
21.6
EBITDA Growth (3Y)(%) 11.60
COBZ's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. COBZ: 11.60 )
COBZ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -52.8   Max: 74.5
Current: 11.6

-52.8
74.5
EPS Growth (3Y)(%) -2.30
COBZ's EPS Growth (3Y)(%) is ranked higher than
60% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. COBZ: -2.30 )
COBZ' s 10-Year EPS Growth (3Y)(%) Range
Min: -59   Max: 132.1
Current: -2.3

-59
132.1
» COBZ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

COBZ Guru Trades in Q1 2014

Jim Simons 288,333 sh (-7.38%)
» More
Q2 2014

COBZ Guru Trades in Q2 2014

Jim Simons 260,715 sh (-9.58%)
» More
Q3 2014

COBZ Guru Trades in Q3 2014

Jim Simons 246,200 sh (-5.57%)
» More
Q4 2014

COBZ Guru Trades in Q4 2014

Jim Simons 217,900 sh (-11.49%)
» More
» Details

Insider Trades

Latest Guru Trades with COBZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.80
COBZ's P/E(ttm) is ranked higher than
70% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. COBZ: 17.80 )
COBZ' s 10-Year P/E(ttm) Range
Min: 6.78   Max: 170.34
Current: 17.8

6.78
170.34
Forward P/E 13.57
COBZ's Forward P/E is ranked higher than
73% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBZ: 13.57 )
N/A
PE(NRI) 17.70
COBZ's PE(NRI) is ranked higher than
74% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. COBZ: 17.70 )
COBZ' s 10-Year PE(NRI) Range
Min: 6.76   Max: 164.67
Current: 17.7

6.76
164.67
P/B 1.60
COBZ's P/B is ranked higher than
61% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. COBZ: 1.60 )
COBZ' s 10-Year P/B Range
Min: 0.4   Max: 3.95
Current: 1.6

0.4
3.95
P/S 3.60
COBZ's P/S is ranked higher than
60% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. COBZ: 3.60 )
COBZ' s 10-Year P/S Range
Min: 0.73   Max: 5.85
Current: 3.6

0.73
5.85
PFCF 21.80
COBZ's PFCF is ranked higher than
73% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBZ: 21.80 )
COBZ' s 10-Year PFCF Range
Min: 2.21   Max: 38.9
Current: 21.8

2.21
38.9
POCF 18.45
COBZ's POCF is ranked higher than
75% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. COBZ: 18.45 )
COBZ' s 10-Year POCF Range
Min: 2.07   Max: 32.51
Current: 18.45

2.07
32.51
EV-to-EBIT 13.52
COBZ's EV-to-EBIT is ranked higher than
81% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. COBZ: 13.52 )
COBZ' s 10-Year EV-to-EBIT Range
Min: -26.9   Max: 494.6
Current: 13.52

-26.9
494.6
Days Sales Outstanding 24.60
COBZ's Days Sales Outstanding is ranked higher than
93% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBZ: 24.60 )
COBZ' s 10-Year Days Sales Outstanding Range
Min: 22.25   Max: 41.1
Current: 24.6

22.25
41.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
COBZ's Dividend Yield is ranked lower than
74% of the 2176 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. COBZ: 1.30 )
COBZ' s 10-Year Dividend Yield Range
Min: 0.52   Max: 6.62
Current: 1.3

0.52
6.62
Dividend Payout 0.21
COBZ's Dividend Payout is ranked higher than
88% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. COBZ: 0.21 )
COBZ' s 10-Year Dividend Payout Range
Min: 0.05   Max: 5.6
Current: 0.21

0.05
5.6
Dividend growth (3y) 55.40
COBZ's Dividend growth (3y) is ranked higher than
96% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. COBZ: 55.40 )
COBZ' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 55.4
Current: 55.4

0
55.4
Yield on cost (5-Year) 3.01
COBZ's Yield on cost (5-Year) is ranked higher than
56% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. COBZ: 3.01 )
COBZ' s 10-Year Yield on cost (5-Year) Range
Min: 1.2   Max: 15.34
Current: 3.01

1.2
15.34
Share Buyback Rate -3.10
COBZ's Share Buyback Rate is ranked higher than
68% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. COBZ: -3.10 )
COBZ' s 10-Year Share Buyback Rate Range
Min: -0.2   Max: -16.4
Current: -3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
COBZ's Price/Tangible Book is ranked higher than
69% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. COBZ: 1.61 )
COBZ' s 10-Year Price/Tangible Book Range
Min: 0.77   Max: 5.49
Current: 1.61

0.77
5.49
Price/DCF (Projected) 0.90
COBZ's Price/DCF (Projected) is ranked higher than
82% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. COBZ: 0.90 )
COBZ' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 1.68
Current: 0.9

0.41
1.68
Price/Median PS Value 1.28
COBZ's Price/Median PS Value is ranked higher than
69% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. COBZ: 1.28 )
COBZ' s 10-Year Price/Median PS Value Range
Min: 0.36   Max: 1.86
Current: 1.28

0.36
1.86
Price/Graham Number 1.12
COBZ's Price/Graham Number is ranked higher than
72% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. COBZ: 1.12 )
COBZ' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 2.6
Current: 1.12

0.53
2.6
Earnings Yield (Greenblatt) 7.40
COBZ's Earnings Yield (Greenblatt) is ranked higher than
73% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. COBZ: 7.40 )
COBZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 12.5
Current: 7.4

0.2
12.5
Forward Rate of Return (Yacktman) -2.64
COBZ's Forward Rate of Return (Yacktman) is ranked higher than
57% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. COBZ: -2.64 )
COBZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.5   Max: 29.7
Current: -2.64

-0.5
29.7

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. The Company is a diversified financial services company. Through its subsidiaries, it provides commercial banking services, wealth planning and investment management, property and casualty insurance brokerage and employee benefits and investment banking services. The Company operates in five segments such as Commercial Banking, Investment Banking, Wealth Management, Insurance and Corporate Support and Other. 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 10 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 is engaged in attracting and retaining quality personnel by maintaining an entrepreneurial culture and a decentralized business approach. CoBiz and its subsidiaries faces competition 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). The Commercial Banking segment consists of the operations of CoBiz Bank, a full-service business banking institution. Services provided include Commercial, Real Estate, and Private banking as well as treasury management, interest-rate hedging, and depository products. The Investment Banking segment consists of the operations of GMB, which provides middle-market companies with merger and acquisition advisory services, institutional private placements of debt and equity, and other strategic financial advisory services. The Wealth Management segment has included the operations of the trust department, CIM and FDL's wealth transfer business line. The Insurance segment includes the employee benefits and brokerage activities of CEB. CEB targets small- to mid-sized employers and offers group insurance and retirement plan design and consulting services. CoBiz Insurance, Inc. is a property and casualty (P&C) broker agency focusing on commercial and affluent individual lines of coverage. CoBiz and the Bank are regulated under federal, Colorado and Arizona law. These laws and regulations are intended to protect depositors, borrowers and federal deposit insurance funds, not shareholders
» More Articles for COBZ

Headlines

Articles On GuruFocus.com
CoBiz Financial Inc. Reports Operating Results (10-Q) Nov 01 2010 
CoBiz Financial Inc. Reports Operating Results (10-Q) Jul 30 2010 
CoBiz Financial Inc. Reports Operating Results (10-Q) May 07 2010 
CoBiz Financial Inc. (COBZ) CFO Lyne B Andrich sells 3,978 Shares May 06 2010 
The Financials: Go! Go! Go! Mar 16 2010 
CoBiz Financial Inc. Reports Operating Results (10-Q) Nov 09 2009 
CoBiz Financial Inc. (COBZ) CEO Steven Bangert buys 6,455 Shares Nov 03 2009 
CoBiz Financial Inc. (COBZ) CEO Steven Bangert buys 3,545 Shares Nov 02 2009 
CoBiz Financial Inc. Reports Operating Results (10-Q) Aug 10 2009 
Weekly CEO Buys Highlight: CoBiz Financial Inc, Winmark Corp, The Greenbrier Companies Inc, AngioDyn Jul 26 2009 

More From Other Websites
10-Q for CoBiz Financial, Inc. Apr 26 2015
COBIZ FINANCIAL INC Files SEC form 10-Q, Quarterly Report Apr 24 2015
SBA names CEO of woman-owned tech company Colorado Small Business Person of the Year Apr 24 2015
COBIZ FINANCIAL INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 20 2015
CoBiz Financial Invites You to Join Its First Quarter 2015 Conference Call Apr 17 2015
CoBiz Financial Invites You to Join Its First Quarter 2015 Conference Call Apr 17 2015
COBIZ FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Apr 16 2015
Q1 2015 CoBiz Financial Inc Earnings Release - After Market Close Apr 16 2015
CoBiz Financial Invites You to Join Its First Quarter 2015 Conference Call Apr 01 2015
CoBiz Financial Invites You to Join Its First Quarter 2015 Conference Call Apr 01 2015
COBIZ FINANCIAL INC Files SEC form 8-K, Regulation FD Disclosure Mar 09 2015
COBIZ FINANCIAL INC Financials Feb 20 2015
COBIZ FINANCIAL INC Files SEC form 8-K, Regulation FD Disclosure Feb 19 2015
10-K for CoBiz Financial, Inc. Feb 15 2015
COBIZ FINANCIAL INC Files SEC form 10-K, Annual Report Feb 13 2015
COBIZ FINANCIAL INC Files SEC form 8-K, Regulation FD Disclosure Feb 10 2015
CoBiz posts 4Q profit Jan 22 2015
CoBiz posts 4Q profit Jan 22 2015
COBIZ FINANCIAL INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Jan 22 2015
CoBiz Financial Invites You to Join Its Fourth Quarter 2014 Conference Call Jan 19 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK