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 : 5/10

vs
industry
vs
history
Cash to Debt 1.61
FCAL's Cash to Debt is ranked lower than
98% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 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 1649 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
85% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 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 1613 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 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 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 1616 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 1443 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

Jean-Marie Eveillard Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FCAL

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

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 1833 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 1833 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 1833 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 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 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 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 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 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 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
1837% 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
1837% 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 1833 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 1588 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
98% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 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

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?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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)
Free 7-day Trial
FEEDBACK
Email Hide