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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 : 7/10

vs
industry
vs
history
Cash to Debt 3.61
FCTY's Cash to Debt is ranked higher than
83% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FCTY: 3.61 )
FCTY' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 3.61

Equity to Asset 0.10
FCTY's Equity to Asset is ranked higher than
73% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCTY: 0.10 )
FCTY' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.82
Current: 0.1

0.1
0.82
Interest Coverage 4.71
FCTY's Interest Coverage is ranked higher than
90% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FCTY: 4.71 )
FCTY' s 10-Year Interest Coverage Range
Min: 0.05   Max: 4.71
Current: 4.71

0.05
4.71
F-Score: 4
Z-Score: 0.13
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 (%) 17.78
FCTY's Operating margin (%) is ranked higher than
60% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. FCTY: 17.78 )
FCTY' s 10-Year Operating margin (%) Range
Min: -247.15   Max: 21.13
Current: 17.78

-247.15
21.13
Net-margin (%) 10.37
FCTY's Net-margin (%) is ranked higher than
57% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. FCTY: 10.37 )
FCTY' s 10-Year Net-margin (%) Range
Min: -247.15   Max: 38.13
Current: 10.37

-247.15
38.13
ROE (%) 3.52
FCTY's ROE (%) is ranked higher than
56% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. FCTY: 3.52 )
FCTY' s 10-Year ROE (%) Range
Min: -15.11   Max: 13.13
Current: 3.52

-15.11
13.13
ROA (%) 0.37
FCTY's ROA (%) is ranked higher than
59% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCTY: 0.37 )
FCTY' s 10-Year ROA (%) Range
Min: -2.94   Max: 1.37
Current: 0.37

-2.94
1.37
ROC (Joel Greenblatt) (%) 275.48
FCTY's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FCTY: 275.48 )
FCTY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -511.65   Max: 330.07
Current: 275.48

-511.65
330.07
Revenue Growth (3Y)(%) 17.50
FCTY's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FCTY: 17.50 )
FCTY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 5.7   Max: 66.2
Current: 17.5

5.7
66.2
» FCTY's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FCTY

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Ratios

vs
industry
vs
history
P/E(ttm) 31.40
FCTY's P/E(ttm) is ranked higher than
67% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. FCTY: 31.40 )
FCTY' s 10-Year P/E(ttm) Range
Min: 6.77   Max: 3750
Current: 31.4

6.77
3750
P/B 1.09
FCTY's P/B is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FCTY: 1.09 )
FCTY' s 10-Year P/B Range
Min: 0.61   Max: 4.66
Current: 1.09

0.61
4.66
P/S 3.14
FCTY's P/S is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. FCTY: 3.14 )
FCTY' s 10-Year P/S Range
Min: 2.48   Max: 86.36
Current: 3.14

2.48
86.36
PFCF 15.24
FCTY's PFCF is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FCTY: 15.24 )
FCTY' s 10-Year PFCF Range
Min: 7.35   Max: 109.38
Current: 15.24

7.35
109.38
EV-to-EBIT -0.12
FCTY's EV-to-EBIT is ranked lower than
58% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. FCTY: -0.12 )
FCTY' s 10-Year EV-to-EBIT Range
Min: -424.1   Max: 2066.1
Current: -0.12

-424.1
2066.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
FCTY's Price/Tangible Book is ranked higher than
83% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FCTY: 1.09 )
FCTY' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 3.86
Current: 1.09

0.58
3.86
Price/DCF (Projected) 0.72
FCTY's Price/DCF (Projected) is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. FCTY: 0.72 )
FCTY' s 10-Year Price/DCF (Projected) Range
Min: 0.57   Max: 0.89
Current: 0.72

0.57
0.89
Price/Median PS Value 0.86
FCTY's Price/Median PS Value is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FCTY: 0.86 )
FCTY' s 10-Year Price/Median PS Value Range
Min: 0.68   Max: 19.44
Current: 0.86

0.68
19.44
Price/Graham Number 1.24
FCTY's Price/Graham Number is ranked higher than
71% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FCTY: 1.24 )
FCTY' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 11.51
Current: 1.24

0.6
11.51
Earnings Yield (Greenblatt) -833.30
FCTY's Earnings Yield (Greenblatt) is ranked lower than
54% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FCTY: -833.30 )
FCTY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5045.8
Current: -833.3

0.1
5045.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
1st Century Bancshares, Inc. is a Delaware corporation. The Company operates as a bank holding company for 1st Century Bank, N.A., a National Association (the Bank). The Bank is a full service commercial bank. The bank's main focus is relationship banking to family and closely held middle market businesses, professional service firms, and high net worth individuals, real estate investors and entrepreneurs. The Bank also provides various banking services to meet the financial needs of the local residential community, with an orientation mainly directed toward owners and employees of its business client base. The Bank's product offerings includes: Loans and Deposits. Loans consist of business and personal lines of credit and term loans; tenant improvement and equipment financing; bridge and/or specific purpose loans; commercial, industrial and multi-family real estate lending; personal home equity loans and lines of credit; and credit cards for business and personal use. Deposits consist of business checking, money market and certificates of deposit; personal checking, money market and certificates of deposits; Attorney-Client trust accounts; trust accounts; cash management and on-line banking; and Debit cards. The general market area it serves is defined as La Cienega Boulevard to the east, the Santa Monica Mountains to the north, the Pacific Ocean to the west and the Los Angeles International Airport to the south. The Bank competes with other banks and financial institutions to attract deposits. The Bank faces competition from established local and regional banks and savings and loan institutions. The Company and its subsidiaries are subject to significant regulation and restrictions by Federal and State laws and regulatory agencies. The Bank is subject to both the regulation of and periodic examinations by the Office of the Comptroller of the Currency, which is the Bank's primary federal regulatory agency.
» More Articles for FCTY

Headlines

Articles On GuruFocus.com
Prem Watsa Changed Minds on "Long Term Holdings"; Top Sells: WFC, USB, WFC, WSC, FCTY Dec 16 2010 
Opportunities in Micro Cap Financials Nov 26 2010 
1st Century Bancshares Inc (FCTY) CEO Alan I Rothenberg buys 2,000 Shares Nov 23 2009 
1st Century Bancshares Inc (FCTY) CEO Alan I Rothenberg buys 3,000 Shares Jun 12 2009 

More From Other Websites
1ST CENTURY BANCSHARES, INC. Financials Nov 15 2014
10-Q for 1st Century Bancshares, Inc. (California) Nov 08 2014
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1st Century Bancshares reports Q1 EPS 4c, one estimate 6c May 08 2014
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1ST CENTURY BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Mar 07 2014
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