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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.61
FCAL's Cash to Debt is ranked lower than
98% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FCAL: 1.61 )
FCAL' s 10-Year Cash to Debt Range
Min: 0.09   Max: 4.19
Current: 1.61

0.09
4.19
Equity to Asset 0.09
FCAL's Equity to Asset is ranked lower than
75% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCAL: 0.09 )
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 lower than
84% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FCAL: No Debt )
FCAL' s 10-Year Interest Coverage Range
Min: 1000   Max: 1000
Current: No Debt

F-Score: 4
Z-Score: 0.32
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 : 6/10

vs
industry
vs
history
Operating margin (%) 20.20
FCAL's Operating margin (%) is ranked lower than
77% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 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 (%) 11.70
FCAL's Net-margin (%) is ranked lower than
76% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. FCAL: 11.70 )
FCAL' s 10-Year Net-margin (%) Range
Min: -8.5   Max: 28.6
Current: 11.7

-8.5
28.6
ROE (%) 4.00
FCAL's ROE (%) is ranked lower than
76% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. FCAL: 4.00 )
FCAL' s 10-Year ROE (%) Range
Min: -3   Max: 14.2
Current: 4

-3
14.2
ROA (%) 0.50
FCAL's ROA (%) is ranked lower than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FCAL: 0.50 )
FCAL' s 10-Year ROA (%) Range
Min: -0.3   Max: 1.4
Current: 0.5

-0.3
1.4
Revenue Growth (%) -13.30
FCAL's Revenue Growth (%) is ranked lower than
85% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCAL: -13.30 )
FCAL' s 10-Year Revenue Growth (%) Range
Min: -16.6   Max: 33
Current: -13.3

-16.6
33
» FCAL's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2013

FCAL Guru Trades in Q2 2013

Jim Simons Sold Out
Jean-Marie Eveillard Sold Out
» 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 $ 0.17-98%306065
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 42.30
FCAL's P/E(ttm) is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. FCAL: 42.30 )
FCAL' s 10-Year P/E(ttm) Range
Min: 4.1   Max: 99999999.99
Current: 42.3

4.1
99999999.99
P/B 1.20
FCAL's P/B is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FCAL: 1.20 )
FCAL' s 10-Year P/B Range
Min: 0.2   Max: 4.19
Current: 1.2

0.2
4.19
P/S 3.31
FCAL's P/S is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FCAL: 3.31 )
FCAL' s 10-Year P/S Range
Min: 0.57   Max: 4.22
Current: 3.31

0.57
4.22
PFCF 15.50
FCAL's PFCF is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. FCAL: 15.50 )
FCAL' s 10-Year PFCF Range
Min: 2.79   Max: 42.46
Current: 15.5

2.79
42.46
EV-to-EBIT 32.30
FCAL's EV-to-EBIT is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. FCAL: 32.30 )
FCAL' s 10-Year EV-to-EBIT Range
Min: 1.5   Max: 132.1
Current: 32.3

1.5
132.1
Shiller P/E 30.30
FCAL's Shiller P/E is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. FCAL: 30.30 )
FCAL' s 10-Year Shiller P/E Range
Min: 5.34   Max: 41.85
Current: 30.3

5.34
41.85
Current Ratio 0.77
FCAL's Current Ratio is ranked lower than
1831% of the 67 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FCAL: 0.77 )
FCAL' s 10-Year Current Ratio Range
Min: 0   Max: 0
Current: 0.77

Quick Ratio 0.79
FCAL's Quick Ratio is ranked lower than
1831% of the 67 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FCAL: 0.79 )
FCAL' s 10-Year Quick Ratio Range
Min: 0   Max: 0
Current: 0.79

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 0.80
FCAL's Price/Net Current Asset Value is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FCAL: 0.80 )
FCAL' s 10-Year Price/Net Current Asset Value Range
Min: 35.1   Max: 35.1
Current: 0.8

Earnings Yield (Greenblatt) 3.10
FCAL's Earnings Yield (Greenblatt) is ranked lower than
78% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 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) -3.18
FCAL's Forward Rate of Return (Yacktman) is ranked lower than
97% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. FCAL: -3.18 )
FCAL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.1   Max: 23.6
Current: -3.18

-4.1
23.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details

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