Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
8.36 (1y: +22%)
Market Cap 241.3 M P/E(ttm) 41.80
Enterprise Value 391.08 M P/B 1.00
FCAL- NAS (USA)
First California Financial Group, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$8.36
Switch to:

GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.607
FCAL's Cash to Debt is ranked higher than
63% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. FCAL: 1.607 )
FCAL' s 10-Year Cash to Debt Range
Min: 0.09   Max: 4.19
Current: 1.61
0.09
4.19
Equity to Asset 0.088
FCAL's Equity to Asset is ranked lower than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCAL: 0.088 )
FCAL' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.1
Current: 0.09
0.05
0.1
Interest Coverage No Debt
FCAL's Interest Coverage is ranked higher than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FCAL: No Debt )
FCAL' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.31
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 20.20
FCAL's Operating margin (%) is ranked lower than
58% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. FCAL: 20.20 )
FCAL' s 10-Year Operating margin (%) Range
Min: -15.3   Max: 38.7
Current: 20.2
-15.3
38.7
Net-margin (%) 11.7
FCAL's Net-margin (%) is ranked lower than
68% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FCAL: 11.7 )
FCAL' s 10-Year Net-margin (%) Range
Min: -8.5   Max: 28.6
Current: 11.7
-8.5
28.6
ROE (%) 4
FCAL's ROE (%) is ranked lower than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FCAL: 4 )
FCAL' s 10-Year ROE (%) Range
Min: -3   Max: 14.2
Current: 4
-3
14.2
ROA (%) 0.5
FCAL's ROA (%) is ranked lower than
63% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. FCAL: 0.5 )
FCAL' s 10-Year ROA (%) Range
Min: -0.3   Max: 1.4
Current: 0.5
-0.3
1.4
Revenue Growth (%) -13.3
FCAL's Revenue Growth (%) is ranked lower than
91% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FCAL: -13.3 )
FCAL' s 10-Year Revenue Growth (%) Range
Min: -16.6   Max: 33
Current: -13.3
-16.6
33
ยป FCAL's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

FCAL Guru Trades in Q2 2012

Jim Simons 335,200 sh (+25.92%)
Diamond Hill Capital Sold Out
Steven Cohen Sold Out
» More
Q3 2012

FCAL Guru Trades in Q3 2012

Jean-Marie Eveillard 306,065 sh (New)
Jim Simons 390,299 sh (+16.44%)
» More
Q4 2012

FCAL Guru Trades in Q4 2012

Jim Simons 431,332 sh (+10.51%)
Jean-Marie Eveillard 256,451 sh (-16.21%)
» More
Q1 2013

FCAL Guru Trades in Q1 2013

Jim Simons 444,073 sh (+2.95%)
Jean-Marie Eveillard 256,451 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with FCAL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Jean-Marie Eveillard 2012-09-30 New Buy0.01%$6.54 - $7.14 $ 8.2820%306065
Michael Price 2010-06-30 Sold Out 0.22%$2.67 - $3.3 $ 8.28186%0
Michael Price 2010-03-31 New Buy0.22%$2.55 - $3.37 $ 8.28186%400000
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 41.80
FCAL's P/E(ttm) is ranked lower than
93% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FCAL: 41.80 )
FCAL' s 10-Year P/E(ttm) Range
Min: 4.2   Max: 6.83106E+17
Current: 41.8
4.2
6.83106E+17
P/B 1.00
FCAL's P/B is ranked lower than
58% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FCAL: 1.00 )
FCAL' s 10-Year P/B Range
Min: 0.18   Max: 3.27
Current: 1
0.18
3.27
P/S 3.20
FCAL's P/S is ranked lower than
69% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. FCAL: 3.20 )
FCAL' s 10-Year P/S Range
Min: 0.57   Max: 4.22
Current: 3.2
0.57
4.22
PFCF 15.00
FCAL's PFCF is ranked lower than
79% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FCAL: 15.00 )
FCAL' s 10-Year PFCF Range
Min: 2.79   Max: 42.46
Current: 15
2.79
42.46
EV-to-EBIT 32.3
FCAL's EV-to-EBIT is ranked lower than
80% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. FCAL: 32.3 )
FCAL' s 10-Year EV-to-EBIT Range
Min: 1.5   Max: 132.1
Current: 32.3
1.5
132.1
Shiller P/E 30.6
FCAL's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. FCAL: 30.6 )
FCAL' s 10-Year Shiller P/E Range
Min: 5.34   Max: 41.85
Current: 30.6
5.34
41.85

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 37.6
FCAL's Price/Net Current Asset Value is ranked lower than
75% of the 163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.60 vs. FCAL: 37.6 )
FCAL' s 10-Year Price/Net Current Asset Value Range
Min: 35.1   Max: 35.1
Current: 37.6
Price/Tangible Book 1.5
FCAL's Price/Tangible Book is ranked lower than
77% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCAL: 1.5 )
FCAL' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.7
Current: 1.5
0.4
2.7
Price/DCF (Projected) 1.1
FCAL's Price/DCF (Projected) is ranked lower than
89% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FCAL: 1.1 )
FCAL' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.5
Current: 1.1
0.2
1.5
Price/Median PS Value 1.7
FCAL's Price/Median PS Value is ranked lower than
93% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCAL: 1.7 )
FCAL' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 2.2
Current: 1.7
0.3
2.2
Price/Graham Number 1.3
FCAL's Price/Graham Number is ranked lower than
87% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCAL: 1.3 )
FCAL' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 4.2
Current: 1.3
0.3
4.2
Earnings Yield (Greenblatt) 3.10
FCAL's Earnings Yield (Greenblatt) is ranked lower than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FCAL: 3.10 )
FCAL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 65.2
Current: 3.1
0.8
65.2
Forward Rate of Return (Yacktman) -3.2
FCAL's Forward Rate of Return (Yacktman) is ranked lower than
93% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. FCAL: -3.2 )
FCAL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.1   Max: 23.6
Current: -3.2
-4.1
23.6

Business Description

First California Financial Group, Inc. is incorporated on June 7, 2006 in the state of Delaware. It is a bank holding company was formed as a wholly-owned subsidiary of National Mercantile Bancorp. It serves the comprehensive banking needs of businesses and individuals in Los Angeles, Orange, Riverside, San Bernardino, San Diego and Ventura counties. The Bank is a state chartered commercial bank that provides traditional business and consumer banking products and services through 19 full-service branch locations. Its lending products include revolving lines of credit, term loans, commercial real estate loans, construction loans and consumer and home equity loans, which often contain terms and conditions tailored to meet the specific demands of the market niche in which the borrower operates. The Bank provides an array of deposit and investment products serving the comprehensive banking needs of businesses and consumers through traditional business and consumer banking, construction finance, SBA lending, entertainment finance and commercial real estate lending. The bank's business strategy has been to attract individuals, professionals and small- to mid-sized business borrowers in its main service areas by offering loan products and a full of banking services coupled with personalized service. The bank maintains an internet website, which serves as an additional means of providing customer access to a number of banking services, including 24/7 online banking. Business loans, represented by commercial real estate loans, commercial loans and construction loans, comprise the largest portion of the Bank's loan portfolio. It faces strong competition from financial services companies and other companies that offer banking services which could negatively affect its business. As a registered bank holding company, First California and its subsidiaries are subject to the FRB's supervision, regulation and examination under the BHCA. Under the BHCA, it is subject to periodic examination by the FRB.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for FCAL

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: TDY, KOPN, QDEL, SALM, FCAL Mar 25 2012 
Weekly Top CFO Buys: FCAL, BRO,BKMU, TUES, OILT Aug 01 2011 
Weekly CFO Buys: FCAL, VOXX, TUES, OILT, HAS Jul 25 2011 
Weekly CEO Buys Highlight: FCAL, HAS, MTOX, KGJI, ARSD Jul 24 2011 

Personalized Checklist





Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names
Free 7-day Trial