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5.99 (1y: +30%)
Market Cap 55.5 M P/E(ttm) 13.80
Enterprise Value 55.54 M P/B 1.10
FCTY- NAS (USA)
1st Century Bancshrs, Inc.
Not Rated
Top Ranked Predictable Companies
$5.99
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GuruFocus Financial Strength Rank measures how strong a companyย’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 No Debt
FCTY's Cash to Debt is ranked higher than
90% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. FCTY: No Debt )
FCTY' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: No Debt
Equity to Asset 0.099
FCTY's Equity to Asset is ranked higher than
57% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCTY: 0.099 )
FCTY' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.33
Current: 0.1
0.1
0.33
Interest Coverage No Debt
FCTY's Interest Coverage is ranked lower than
81% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FCTY: No Debt )
FCTY' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.21
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 19.00
FCTY's Operating margin (%) is ranked lower than
75% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. FCTY: 19.00 )
FCTY' s 10-Year Operating margin (%) Range
Min: -247.2   Max: 19
Current: 19
-247.2
19
Net-margin (%) 18.3
FCTY's Net-margin (%) is ranked lower than
56% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. FCTY: 18.3 )
FCTY' s 10-Year Net-margin (%) Range
Min: -247.2   Max: 28
Current: 18.3
-247.2
28
ROE (%) 6
FCTY's ROE (%) is ranked lower than
60% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FCTY: 6 )
FCTY' s 10-Year ROE (%) Range
Min: -16.9   Max: 6
Current: 6
-16.9
6
ROA (%) 0.6
FCTY's ROA (%) is ranked lower than
61% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCTY: 0.6 )
FCTY' s 10-Year ROA (%) Range
Min: -3.3   Max: 1.3
Current: 0.6
-3.3
1.3
Revenue Growth (%) 9.8
FCTY's Revenue Growth (%) is ranked higher than
75% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. FCTY: 9.8 )
FCTY' s 10-Year Revenue Growth (%) Range
Min: 3.6   Max: 46
Current: 9.8
3.6
46
ยป 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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Prem Watsa 2010-09-30 Sold Out 0.01%$3.2 - $3.75 $ 5.9973%0
Prem Watsa 2010-06-30 New Buy0.01%$3.35 - $4.316 $ 5.9954%73652
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 13.50
FCTY's P/E(ttm) is ranked higher than
50% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. FCTY: 13.50 )
FCTY' s 10-Year P/E(ttm) Range
Min: 11.72   Max: 8750
Current: 13.5
11.72
8750
P/B 1.10
FCTY's P/B is ranked lower than
66% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FCTY: 1.10 )
FCTY' s 10-Year P/B Range
Min: 0.52   Max: 2.68
Current: 1.1
0.52
2.68
P/S 3.10
FCTY's P/S is ranked lower than
67% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. FCTY: 3.10 )
FCTY' s 10-Year P/S Range
Min: 2.5   Max: 43.18
Current: 3.1
2.5
43.18
PFCF 9.00
FCTY's PFCF is ranked lower than
63% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FCTY: 9.00 )
FCTY' s 10-Year PFCF Range
Min: 7.48   Max: 139.29
Current: 9
7.48
139.29
EV-to-EBIT 14.1
FCTY's EV-to-EBIT is ranked higher than
55% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. FCTY: 14.1 )
FCTY' s 10-Year EV-to-EBIT Range
Min: 4.6   Max: 2066.1
Current: 14.1
4.6
2066.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
FCTY's Price/Tangible Book is ranked lower than
56% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCTY: 1.1 )
FCTY' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 1.9
Current: 1.1
0.7
1.9
Price/DCF (Projected) 0.7
FCTY's Price/DCF (Projected) is ranked lower than
71% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FCTY: 0.7 )
FCTY' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.7
Current: 0.7
0.5
0.7
Price/Median PS Value 0.9
FCTY's Price/Median PS Value is ranked higher than
60% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCTY: 0.9 )
FCTY' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 10.1
Current: 0.9
0.7
10.1
Price/Graham Number 0.9
FCTY's Price/Graham Number is ranked lower than
64% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FCTY: 0.9 )
FCTY' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 6.2
Current: 0.9
0.7
6.2
Earnings Yield (Greenblatt) 7.10
FCTY's Earnings Yield (Greenblatt) is ranked higher than
54% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FCTY: 7.10 )
FCTY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 21.8
Current: 7.1
0.1
21.8
Forward Rate of Return (Yacktman) 3.59
FCTY's Forward Rate of Return (Yacktman) is ranked lower than
92% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.14 vs. FCTY: 3.59 )
FCTY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.8   Max: 5.4
Current: 3.59
3.8
5.4

Business Description

1st Century Bancshares, Inc. is a Delaware corporation. The Company operates as a bank holding company for1st 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 a range of 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 goal is to deliver the most responsive and adaptive depository and lending products and services to its clientele. The Bank's product offerings includes: Loans - 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 - 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. As a bank holding company, the Company is subject to regulation and examination by the FRB under the BHC Act.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:
ยป 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 17 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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