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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 0.39
COBZ's Cash to Debt is ranked lower than
72% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. COBZ: 0.39 )
Ranked among companies with meaningful Cash to Debt only.
COBZ' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.39 Max: N/A
Current: 0.39
Equity to Asset 0.08
COBZ's Equity to Asset is ranked lower than
70% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. COBZ: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
COBZ' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.11
Current: 0.08
0.07
0.11
Interest Coverage 4.78
COBZ's Interest Coverage is ranked higher than
79% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. COBZ: 4.78 )
Ranked among companies with meaningful Interest Coverage only.
COBZ' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 1.40 Max: 5.24
Current: 4.78
0.03
5.24
F-Score: 4
WACC vs ROIC
8.90%
7.16%
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 (%) 28.90
COBZ's Operating margin (%) is ranked lower than
56% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. COBZ: 28.90 )
Ranked among companies with meaningful Operating margin (%) only.
COBZ' s Operating margin (%) Range Over the Past 10 Years
Min: -88.71  Med: 30.94 Max: 33.02
Current: 28.9
-88.71
33.02
Net-margin (%) 19.71
COBZ's Net-margin (%) is ranked lower than
60% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. COBZ: 19.71 )
Ranked among companies with meaningful Net-margin (%) only.
COBZ' s Net-margin (%) Range Over the Past 10 Years
Min: -63.38  Med: 20.32 Max: 26.3
Current: 19.71
-63.38
26.3
ROE (%) 9.36
COBZ's ROE (%) is ranked higher than
60% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. COBZ: 9.36 )
Ranked among companies with meaningful ROE (%) only.
COBZ' s ROE (%) Range Over the Past 10 Years
Min: -34.42  Med: 9.78 Max: 15.47
Current: 9.36
-34.42
15.47
ROA (%) 0.92
COBZ's ROA (%) is ranked higher than
55% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. COBZ: 0.92 )
Ranked among companies with meaningful ROA (%) only.
COBZ' s ROA (%) Range Over the Past 10 Years
Min: -3.22  Med: 1.00 Max: 1.39
Current: 0.92
-3.22
1.39
Revenue Growth (3Y)(%) -0.40
COBZ's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. COBZ: -0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
COBZ' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.9  Med: 9.10 Max: 21.6
Current: -0.4
-14.9
21.6
EBITDA Growth (3Y)(%) 11.60
COBZ's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. COBZ: 11.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
COBZ' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -52.8  Med: 13.55 Max: 74.5
Current: 11.6
-52.8
74.5
EPS Growth (3Y)(%) -2.30
COBZ's EPS Growth (3Y)(%) is ranked lower than
70% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. COBZ: -2.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
COBZ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -59.6  Med: 17.20 Max: 136.1
Current: -2.3
-59.6
136.1
» COBZ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

COBZ Guru Trades in Q4 2014

Jim Simons 217,900 sh (-11.49%)
» More
Q1 2015

COBZ Guru Trades in Q1 2015

Jim Simons 248,900 sh (+14.23%)
» More
Q2 2015

COBZ Guru Trades in Q2 2015

Jim Simons 292,900 sh (+17.68%)
» More
Q3 2015

COBZ Guru Trades in Q3 2015

Jim Simons 329,700 sh (+12.56%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.55
COBZ's P/E(ttm) is ranked lower than
74% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. COBZ: 15.55 )
Ranked among companies with meaningful P/E(ttm) only.
COBZ' s P/E(ttm) Range Over the Past 10 Years
Min: 6.78  Med: 16.97 Max: 170.34
Current: 15.55
6.78
170.34
Forward P/E 11.82
COBZ's Forward P/E is ranked lower than
73% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. COBZ: 11.82 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.25
COBZ's PE(NRI) is ranked lower than
69% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. COBZ: 15.25 )
Ranked among companies with meaningful PE(NRI) only.
COBZ' s PE(NRI) Range Over the Past 10 Years
Min: 6.76  Med: 16.90 Max: 164.67
Current: 15.25
6.76
164.67
P/B 1.67
COBZ's P/B is ranked lower than
85% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. COBZ: 1.67 )
Ranked among companies with meaningful P/B only.
COBZ' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 1.43 Max: 3.69
Current: 1.67
0.4
3.69
P/S 3.02
COBZ's P/S is ranked lower than
61% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. COBZ: 3.02 )
Ranked among companies with meaningful P/S only.
COBZ' s P/S Range Over the Past 10 Years
Min: 0.73  Med: 2.82 Max: 5.37
Current: 3.02
0.73
5.37
PFCF 14.99
COBZ's PFCF is ranked lower than
77% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. COBZ: 14.99 )
Ranked among companies with meaningful PFCF only.
COBZ' s PFCF Range Over the Past 10 Years
Min: 2.21  Med: 14.35 Max: 38.9
Current: 14.99
2.21
38.9
POCF 14.18
COBZ's POCF is ranked lower than
80% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. COBZ: 14.18 )
Ranked among companies with meaningful POCF only.
COBZ' s POCF Range Over the Past 10 Years
Min: 2.07  Med: 12.61 Max: 32.51
Current: 14.18
2.07
32.51
EV-to-EBIT 14.07
COBZ's EV-to-EBIT is ranked lower than
58% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. COBZ: 14.07 )
Ranked among companies with meaningful EV-to-EBIT only.
COBZ' s EV-to-EBIT Range Over the Past 10 Years
Min: -26.9  Med: 14.10 Max: 494.6
Current: 14.07
-26.9
494.6
EV-to-EBITDA 13.04
COBZ's EV-to-EBITDA is ranked lower than
60% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. COBZ: 13.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
COBZ' s EV-to-EBITDA Range Over the Past 10 Years
Min: -39  Med: 13.00 Max: 215.7
Current: 13.04
-39
215.7
Shiller P/E 81.54
COBZ's Shiller P/E is ranked lower than
96% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. COBZ: 81.54 )
Ranked among companies with meaningful Shiller P/E only.
COBZ' s Shiller P/E Range Over the Past 10 Years
Min: 6.68  Med: 36.84 Max: 106.92
Current: 81.54
6.68
106.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.62
COBZ's Dividend Yield is ranked lower than
77% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. COBZ: 1.62 )
Ranked among companies with meaningful Dividend Yield only.
COBZ' s Dividend Yield Range Over the Past 10 Years
Min: 0.52  Med: 1.08 Max: 6.62
Current: 1.62
0.52
6.62
Dividend Payout 0.23
COBZ's Dividend Payout is ranked higher than
70% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. COBZ: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
COBZ' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.22 Max: 1
Current: 0.23
0.02
1
Dividend Growth (3y) 55.40
COBZ's Dividend Growth (3y) is ranked higher than
94% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. COBZ: 55.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
COBZ' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 14.40 Max: 55.4
Current: 55.4
0
55.4
Forward Dividend Yield 1.64
COBZ's Forward Dividend Yield is ranked lower than
81% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. COBZ: 1.64 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.75
COBZ's Yield on cost (5-Year) is ranked higher than
54% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. COBZ: 3.75 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
COBZ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.2  Med: 2.50 Max: 15.34
Current: 3.75
1.2
15.34
3-Year Average Share Buyback Ratio -3.10
COBZ's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. COBZ: -3.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
COBZ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.4  Med: -3.40 Max: -0.2
Current: -3.1
-16.4
-0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.65
COBZ's Price/Tangible Book is ranked lower than
80% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. COBZ: 1.65 )
Ranked among companies with meaningful Price/Tangible Book only.
COBZ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.66  Med: 2.29 Max: 5.49
Current: 1.65
0.66
5.49
Price/Projected FCF 0.87
COBZ's Price/Projected FCF is ranked lower than
72% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. COBZ: 0.87 )
Ranked among companies with meaningful Price/Projected FCF only.
COBZ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.79 Max: 1.62
Current: 0.87
0.28
1.62
Price/Median PS Value 1.07
COBZ's Price/Median PS Value is ranked lower than
70% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. COBZ: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
COBZ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 1.28 Max: 1.9
Current: 1.07
0.32
1.9
Price/Graham Number 1.06
COBZ's Price/Graham Number is ranked lower than
73% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. COBZ: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
COBZ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 1.45 Max: 2.86
Current: 1.06
0.57
2.86
Earnings Yield (Greenblatt) (%) 7.14
COBZ's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. COBZ: 7.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
COBZ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 6.40 Max: 12.5
Current: 7.14
0.2
12.5
Forward Rate of Return (Yacktman) (%) 0.87
COBZ's Forward Rate of Return (Yacktman) (%) is ranked lower than
76% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. COBZ: 0.87 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
COBZ' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.7  Med: 17.40 Max: 29.7
Current: 0.87
1.7
29.7

More Statistics

Revenue(Mil) $145
EPS $ 0.70
Beta1.11
Short Percentage of Float3.61%
52-Week Range $10.45 - 13.94
Shares Outstanding(Mil)41.07

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 148 163 179
EPS($) 0.70 0.82 0.93
EPS without NRI($) 0.70 0.82 0.93

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 NAS: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 

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