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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 3.43
FCTY's Cash to Debt is ranked higher than
59% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. FCTY: 3.43 )
Ranked among companies with meaningful Cash to Debt only.
FCTY' s 10-Year Cash to Debt Range
Min: 0.09  Med: 3.43 Max: No Debt
Current: 3.43
Equity to Asset 0.10
FCTY's Equity to Asset is ranked lower than
54% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCTY: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FCTY' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.17 Max: 0.82
Current: 0.1
0.1
0.82
Interest Coverage 5.64
FCTY's Interest Coverage is ranked higher than
82% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FCTY: 5.64 )
Ranked among companies with meaningful Interest Coverage only.
FCTY' s 10-Year Interest Coverage Range
Min: 0.05  Med: 2.17 Max: 5.64
Current: 5.64
0.05
5.64
F-Score: 4
WACC vs ROIC
7.53%
15.77%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 19.86
FCTY's Operating margin (%) is ranked lower than
73% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FCTY: 19.86 )
Ranked among companies with meaningful Operating margin (%) only.
FCTY' s 10-Year Operating margin (%) Range
Min: -247.15  Med: 1.62 Max: 21.14
Current: 19.86
-247.15
21.14
Net-margin (%) 10.98
FCTY's Net-margin (%) is ranked lower than
81% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FCTY: 10.98 )
Ranked among companies with meaningful Net-margin (%) only.
FCTY' s 10-Year Net-margin (%) Range
Min: -247.15  Med: 1.62 Max: 38.13
Current: 10.98
-247.15
38.13
ROE (%) 3.77
FCTY's ROE (%) is ranked lower than
80% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. FCTY: 3.77 )
Ranked among companies with meaningful ROE (%) only.
FCTY' s 10-Year ROE (%) Range
Min: -15.11  Med: 1.28 Max: 13.13
Current: 3.77
-15.11
13.13
ROA (%) 0.39
FCTY's ROA (%) is ranked lower than
76% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FCTY: 0.39 )
Ranked among companies with meaningful ROA (%) only.
FCTY' s 10-Year ROA (%) Range
Min: -2.94  Med: 0.19 Max: 1.37
Current: 0.39
-2.94
1.37
ROC (Joel Greenblatt) (%) 302.56
FCTY's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. FCTY: 302.56 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FCTY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -511.65  Med: 57.32 Max: 330.07
Current: 302.56
-511.65
330.07
Revenue Growth (3Y)(%) 14.70
FCTY's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FCTY: 14.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCTY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 5.7  Med: 14.10 Max: 66.2
Current: 14.7
5.7
66.2
» FCTY's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 31.77
FCTY's P/E(ttm) is ranked lower than
89% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FCTY: 31.77 )
Ranked among companies with meaningful P/E(ttm) only.
FCTY' s 10-Year P/E(ttm) Range
Min: 6.77  Med: 21.49 Max: 3750
Current: 31.77
6.77
3750
Forward P/E 17.79
FCTY's Forward P/E is ranked lower than
90% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. FCTY: 17.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 32.60
FCTY's PE(NRI) is ranked lower than
89% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FCTY: 32.60 )
Ranked among companies with meaningful PE(NRI) only.
FCTY' s 10-Year PE(NRI) Range
Min: 6.73  Med: 21.40 Max: 7500
Current: 32.6
6.73
7500
P/B 1.18
FCTY's P/B is ranked lower than
61% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCTY: 1.18 )
Ranked among companies with meaningful P/B only.
FCTY' s 10-Year P/B Range
Min: 0.61  Med: 1.03 Max: 4.52
Current: 1.18
0.61
4.52
P/S 3.44
FCTY's P/S is ranked lower than
62% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. FCTY: 3.44 )
Ranked among companies with meaningful P/S only.
FCTY' s 10-Year P/S Range
Min: 2.48  Med: 3.58 Max: 66.67
Current: 3.44
2.48
66.67
PFCF 26.74
FCTY's PFCF is ranked lower than
84% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. FCTY: 26.74 )
Ranked among companies with meaningful PFCF only.
FCTY' s 10-Year PFCF Range
Min: 7.35  Med: 25.37 Max: 500
Current: 26.74
7.35
500
POCF 19.51
FCTY's POCF is ranked lower than
83% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. FCTY: 19.51 )
Ranked among companies with meaningful POCF only.
FCTY' s 10-Year POCF Range
Min: 6.91  Med: 19.17 Max: 500
Current: 19.51
6.91
500
EV-to-EBIT 7.50
FCTY's EV-to-EBIT is ranked higher than
78% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. FCTY: 7.50 )
Ranked among companies with meaningful EV-to-EBIT only.
FCTY' s 10-Year EV-to-EBIT Range
Min: -424.1  Med: 11.05 Max: 2066.1
Current: 7.5
-424.1
2066.1
Shiller P/E 146.18
FCTY's Shiller P/E is ranked lower than
99% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. FCTY: 146.18 )
Ranked among companies with meaningful Shiller P/E only.
FCTY' s 10-Year Shiller P/E Range
Min: 127.98  Med: 141.00 Max: 793
Current: 146.18
127.98
793
Days Sales Outstanding 88.37
FCTY's Days Sales Outstanding is ranked lower than
76% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. FCTY: 88.37 )
Ranked among companies with meaningful Days Sales Outstanding only.
FCTY' s 10-Year Days Sales Outstanding Range
Min: 44.07  Med: 60.67 Max: 193.22
Current: 88.37
44.07
193.22

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.19
FCTY's Price/Tangible Book is ranked lower than
53% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FCTY: 1.19 )
Ranked among companies with meaningful Price/Tangible Book only.
FCTY' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 1.04 Max: 3.89
Current: 1.19
0.58
3.89
Price/Projected FCF 0.78
FCTY's Price/Projected FCF is ranked lower than
61% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FCTY: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
FCTY' s 10-Year Price/Projected FCF Range
Min: 0.57  Med: 0.73 Max: 0.89
Current: 0.78
0.57
0.89
Price/Median PS Value 0.96
FCTY's Price/Median PS Value is ranked higher than
67% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FCTY: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
FCTY' s 10-Year Price/Median PS Value Range
Min: 0.7  Med: 1.01 Max: 17.96
Current: 0.96
0.7
17.96
Price/Graham Number 1.31
FCTY's Price/Graham Number is ranked lower than
84% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FCTY: 1.31 )
Ranked among companies with meaningful Price/Graham Number only.
FCTY' s 10-Year Price/Graham Number Range
Min: 0.6  Med: 0.96 Max: 10.82
Current: 1.31
0.6
10.82
Earnings Yield (Greenblatt) (%) 13.33
FCTY's Earnings Yield (Greenblatt) (%) is ranked higher than
80% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FCTY: 13.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCTY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 7.10 Max: 1239.8
Current: 13.33
0.1
1239.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
1st Century Bancshrs 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 

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