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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 2.41
FCTY's Cash to Debt is ranked higher than
80% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. FCTY: 2.41 )
FCTY' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 2.41

Equity to Asset 0.11
FCTY's Equity to Asset is ranked higher than
77% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FCTY: 0.11 )
FCTY' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.82
Current: 0.11

0.1
0.82
Interest Coverage 4.71
FCTY's Interest Coverage is ranked higher than
90% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 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: 5
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 (%) 21.13
FCTY's Operating margin (%) is ranked higher than
62% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. FCTY: 21.13 )
FCTY' s 10-Year Operating margin (%) Range
Min: -247.15   Max: 21.13
Current: 21.13

-247.15
21.13
Net-margin (%) 38.13
FCTY's Net-margin (%) is ranked higher than
93% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. FCTY: 38.13 )
FCTY' s 10-Year Net-margin (%) Range
Min: -247.15   Max: 38.13
Current: 38.13

-247.15
38.13
ROE (%) 12.39
FCTY's ROE (%) is ranked higher than
89% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. FCTY: 12.39 )
FCTY' s 10-Year ROE (%) Range
Min: -16.86   Max: 12.39
Current: 12.39

-16.86
12.39
ROA (%) 1.28
FCTY's ROA (%) is ranked higher than
91% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FCTY: 1.28 )
FCTY' s 10-Year ROA (%) Range
Min: -3.27   Max: 1.3
Current: 1.28

-3.27
1.3
ROC (Joel Greenblatt) (%) 296.03
FCTY's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. FCTY: 296.03 )
FCTY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -389.08   Max: 299.31
Current: 296.03

-389.08
299.31
Revenue Growth (%) 17.50
FCTY's Revenue Growth (%) is ranked higher than
95% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCTY: 17.50 )
FCTY' s 10-Year Revenue Growth (%) 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

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



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 31.80
FCTY's P/E(ttm) is ranked higher than
54% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. FCTY: 31.80 )
FCTY' s 10-Year P/E(ttm) Range
Min: 6.77   Max: 3750
Current: 31.8

6.77
3750
P/B 1.28
FCTY's P/B is ranked higher than
61% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FCTY: 1.28 )
FCTY' s 10-Year P/B Range
Min: 0.61   Max: 4.66
Current: 1.28

0.61
4.66
P/S 3.70
FCTY's P/S is ranked higher than
54% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. FCTY: 3.70 )
FCTY' s 10-Year P/S Range
Min: 2.48   Max: 86.36
Current: 3.7

2.48
86.36
PFCF 16.53
FCTY's PFCF is ranked higher than
69% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. FCTY: 16.53 )
FCTY' s 10-Year PFCF Range
Min: 7.35   Max: 97.22
Current: 16.53

7.35
97.22
EV-to-EBIT 9.53
FCTY's EV-to-EBIT is ranked higher than
88% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. FCTY: 9.53 )
FCTY' s 10-Year EV-to-EBIT Range
Min: 5.3   Max: 2066.1
Current: 9.53

5.3
2066.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.28
FCTY's Price/Tangible Book is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FCTY: 1.28 )
FCTY' s 10-Year Price/Tangible Book Range
Min: 0.58   Max: 3.86
Current: 1.28

0.58
3.86
Price/DCF (Projected) 0.82
FCTY's Price/DCF (Projected) is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FCTY: 0.82 )
FCTY' s 10-Year Price/DCF (Projected) Range
Min: 0.57   Max: 0.9
Current: 0.82

0.57
0.9
Price/Median PS Value 0.99
FCTY's Price/Median PS Value is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FCTY: 0.99 )
FCTY' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 19.21
Current: 0.99

0.67
19.21
Price/Graham Number 1.39
FCTY's Price/Graham Number is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCTY: 1.39 )
FCTY' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 11.51
Current: 1.39

0.6
11.51
Earnings Yield (Greenblatt) 10.50
FCTY's Earnings Yield (Greenblatt) is ranked higher than
84% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FCTY: 10.50 )
FCTY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 18.9
Current: 10.5

0.1
18.9
Forward Rate of Return (Yacktman) 3.00
FCTY's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. FCTY: 3.00 )
FCTY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.3   Max: 4
Current: 3

2.3
4

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 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.
» 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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