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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 : 6/10

vs
industry
vs
history
Cash to Debt 3.49
FCTY's Cash to Debt is ranked higher than
57% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. FCTY: 3.49 )
Ranked among companies with meaningful Cash to Debt only.
FCTY' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 3.49 Max: No Debt
Current: 3.49
Equity to Asset 0.09
FCTY's Equity to Asset is ranked lower than
65% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCTY: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FCTY' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.16 Max: 0.82
Current: 0.09
0.09
0.82
Interest Coverage 5.99
FCTY's Interest Coverage is ranked higher than
83% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FCTY: 5.99 )
Ranked among companies with meaningful Interest Coverage only.
FCTY' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 3.16 Max: 6.43
Current: 5.99
0.05
6.43
F-Score: 5
M-Score: -1.93
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 : 7/10

vs
industry
vs
history
Operating margin (%) 17.45
FCTY's Operating margin (%) is ranked lower than
78% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. FCTY: 17.45 )
Ranked among companies with meaningful Operating margin (%) only.
FCTY' s Operating margin (%) Range Over the Past 10 Years
Min: -37.65  Med: 8.3 Max: 21.14
Current: 17.45
-37.65
21.14
Net-margin (%) 9.91
FCTY's Net-margin (%) is ranked lower than
83% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. FCTY: 9.91 )
Ranked among companies with meaningful Net-margin (%) only.
FCTY' s Net-margin (%) Range Over the Past 10 Years
Min: -68.21  Med: 9.6 Max: 38.13
Current: 9.91
-68.21
38.13
ROE (%) 3.92
FCTY's ROE (%) is ranked lower than
80% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. FCTY: 3.92 )
Ranked among companies with meaningful ROE (%) only.
FCTY' s ROE (%) Range Over the Past 10 Years
Min: -15.11  Med: 3.16 Max: 13.13
Current: 3.92
-15.11
13.13
ROA (%) 0.36
FCTY's ROA (%) is ranked lower than
79% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FCTY: 0.36 )
Ranked among companies with meaningful ROA (%) only.
FCTY' s ROA (%) Range Over the Past 10 Years
Min: -2.94  Med: 0.34 Max: 1.37
Current: 0.36
-2.94
1.37
Revenue Growth (3Y)(%) 9.40
FCTY's Revenue Growth (3Y)(%) is ranked higher than
74% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. FCTY: 9.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCTY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 4.8  Med: 13.2 Max: 66.6
Current: 9.4
4.8
66.6
EBITDA Growth (3Y)(%) 8.80
FCTY's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. FCTY: 8.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCTY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 5  Med: 8.8 Max: 43.8
Current: 8.8
5
43.8
EPS Growth (3Y)(%) -8.20
FCTY's EPS Growth (3Y)(%) is ranked lower than
83% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FCTY: -8.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCTY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -21  Med: -8.2 Max: 28.1
Current: -8.2
-21
28.1
» FCTY's 10-Y Financials

Financials


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

» Details

Guru Trades

FCTY Guru Trades in

FCTY Guru Trades in

FCTY Guru Trades in

Q2 2016

FCTY Guru Trades in Q2 2016

Jim Simons 24,700 sh (New)
Paul Tudor Jones 29,739 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with FCTY

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

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CIVB, OTCPK:BERK, AMEX:EVBN, OTCPK:IALB, NAS:ENFC, NYSE:MSL, OTCPK:QNBC, NAS:PEBK, NAS:ESXB, NAS:UNTY, NAS:CIZN, NAS:ISTR, NAS:CFCB, NAS:TCFC, NAS:NWFL, NAS:FCCY, OTCPK:CWBB, OTCPK:MVBF, NAS:FGBI, NAS:BCBP » details
1st Century Bancshrs Inc is a bank holding company for 1st Century Bank, N.A. The Bank provides various banking services to meet the financial needs of the local residential community.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 43.15
FCTY's P/E(ttm) is ranked lower than
94% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. FCTY: 43.15 )
Ranked among companies with meaningful P/E(ttm) only.
FCTY' s P/E(ttm) Range Over the Past 10 Years
Min: 6.77  Med: 27.81 Max: 3750
Current: 43.15
6.77
3750
PE(NRI) 43.15
FCTY's PE(NRI) is ranked lower than
94% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. FCTY: 43.15 )
Ranked among companies with meaningful PE(NRI) only.
FCTY' s PE(NRI) Range Over the Past 10 Years
Min: 6.73  Med: 27.47 Max: 7500
Current: 43.15
6.73
7500
Price/Owner Earnings (ttm) 44.17
FCTY's Price/Owner Earnings (ttm) is ranked lower than
93% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. FCTY: 44.17 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FCTY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 11.51  Med: 22.03 Max: 107.07
Current: 44.17
11.51
107.07
P/B 1.76
FCTY's P/B is ranked lower than
84% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FCTY: 1.76 )
Ranked among companies with meaningful P/B only.
FCTY' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 1.04 Max: 1.83
Current: 1.76
0.61
1.83
P/S 4.38
FCTY's P/S is ranked lower than
75% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FCTY: 4.38 )
Ranked among companies with meaningful P/S only.
FCTY' s P/S Range Over the Past 10 Years
Min: 2.48  Med: 3.52 Max: 65.36
Current: 4.38
2.48
65.36
PFCF 28.84
FCTY's PFCF is ranked lower than
89% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. FCTY: 28.84 )
Ranked among companies with meaningful PFCF only.
FCTY' s PFCF Range Over the Past 10 Years
Min: 7.43  Med: 23.21 Max: 500
Current: 28.84
7.43
500
POCF 24.99
FCTY's POCF is ranked lower than
90% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. FCTY: 24.99 )
Ranked among companies with meaningful POCF only.
FCTY' s POCF Range Over the Past 10 Years
Min: 6.93  Med: 19.14 Max: 476.19
Current: 24.99
6.93
476.19
EV-to-EBIT 17.77
FCTY's EV-to-EBIT is ranked lower than
66% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. FCTY: 17.77 )
Ranked among companies with meaningful EV-to-EBIT only.
FCTY' s EV-to-EBIT Range Over the Past 10 Years
Min: -424.1  Med: 12.05 Max: 2066.1
Current: 17.77
-424.1
2066.1
EV-to-EBITDA 15.79
FCTY's EV-to-EBITDA is ranked lower than
65% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. FCTY: 15.79 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCTY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1044.4  Med: 10.25 Max: 892.8
Current: 15.79
-1044.4
892.8
Shiller P/E 163.11
FCTY's Shiller P/E is ranked lower than
99% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. FCTY: 163.11 )
Ranked among companies with meaningful Shiller P/E only.
FCTY' s Shiller P/E Range Over the Past 10 Years
Min: 98.57  Med: 158.86 Max: 375
Current: 163.11
98.57
375

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -4.10
FCTY's 3-Year Average Share Buyback Ratio is ranked lower than
59% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FCTY: -4.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCTY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -23.4  Med: -0.2 Max: 2.4
Current: -4.1
-23.4
2.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
FCTY's Price/Tangible Book is ranked lower than
78% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FCTY: 1.76 )
Ranked among companies with meaningful Price/Tangible Book only.
FCTY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 1.1 Max: 3.89
Current: 1.76
0.58
3.89
Price/Projected FCF 1.10
FCTY's Price/Projected FCF is ranked lower than
80% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. FCTY: 1.10 )
Ranked among companies with meaningful Price/Projected FCF only.
FCTY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.59  Med: 0.73 Max: 1.1
Current: 1.1
0.59
1.1
Price/Median PS Value 1.25
FCTY's Price/Median PS Value is ranked lower than
75% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FCTY: 1.25 )
Ranked among companies with meaningful Price/Median PS Value only.
FCTY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.72  Med: 1.02 Max: 17.96
Current: 1.25
0.72
17.96
Price/Graham Number 1.84
FCTY's Price/Graham Number is ranked lower than
93% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FCTY: 1.84 )
Ranked among companies with meaningful Price/Graham Number only.
FCTY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.59  Med: 1.06 Max: 20.71
Current: 1.84
0.59
20.71
Earnings Yield (Greenblatt) (%) 5.60
FCTY's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FCTY: 5.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCTY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 6.6 Max: 1239.8
Current: 5.6
0.1
1239.8

More Statistics

Revenue (TTM) (Mil) $25.34
EPS (TTM) $ 0.26
Short Percentage of Float0.05%
52-Week Range $6.75 - 11.60
Shares Outstanding (Mil)10.34

Analyst Estimate

Dec16
Revenue (Mil $)
EPS ($) 0.49
EPS w/o NRI ($) 0.49
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Jul 01 2016
Midland Financial Co. and 1st Century Bancshares, Inc. Complete Merger Transaction Jul 01 2016
Midland Financial Co. and 1st Century Bancshares, Inc. Complete Merger Transaction Jul 01 2016
Midland Financial Co. and 1st Century Bancshares, Inc. Complete Merger Transaction Jul 01 2016
1ST CENTURY BANCSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 21 2016
1ST CENTURY BANCSHARES, INC. Files SEC form 8-K, Other Events Jun 13 2016
1ST CENTURY BANCSHARES, INC. Files SEC form 8-K, Other Events Jun 10 2016
1st Century Bancshares, Inc. (California) :FCTY-US: Earnings Analysis: Q1, 2016 By the Numbers May 17 2016
1ST CENTURY BANCSHARES, INC. Financials May 13 2016
1ST CENTURY BANCSHARES, INC. Files SEC form 10-Q, Quarterly Report May 05 2016
1st Century posts 1Q profit Apr 27 2016
1st Century posts 1Q profit Apr 27 2016
1st Century Bancshares, Inc. Reports Financial Results for the Quarter Ended March 31, 2016 Apr 27 2016
1ST CENTURY BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 27 2016
EY Announces Jason DiNapoli, President and CEO of 1st Century Bank as an EY Entrepreneur Of The... Mar 28 2016
1st Century Bancshares, Inc. Shareholder Alert: Former SEC Attorney Willie Briscoe and Powers Taylor... Mar 17 2016
1st Century Bancshares, Inc. Acquisition May Not Be in the Best Interests of Its Shareholders Mar 14 2016
1ST CENTURY BANCSHARES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Mar 11 2016
Oklahoma City-based MidFirst Bank and Los Angeles-based 1st Century Bank announce agreement to merge Mar 10 2016
1ST CENTURY BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Mar 04 2016

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