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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 6.29
FCTY's Cash to Debt is ranked higher than
60% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. FCTY: 6.29 )
Ranked among companies with meaningful Cash to Debt only.
FCTY' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 3.61 Max: No Debt
Current: 6.29
Equity to Asset 0.09
FCTY's Equity to Asset is ranked lower than
64% of the 1536 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: 0.17 Max: 0.82
Current: 0.09
0.09
0.82
Interest Coverage 5.81
FCTY's Interest Coverage is ranked higher than
82% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. FCTY: 5.81 )
Ranked among companies with meaningful Interest Coverage only.
FCTY' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 2.17 Max: 5.64
Current: 5.81
0.05
5.64
F-Score: 6
WACC vs ROIC
4.18%
31.92%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 18.22
FCTY's Operating margin (%) is ranked lower than
78% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. FCTY: 18.22 )
Ranked among companies with meaningful Operating margin (%) only.
FCTY' s Operating margin (%) Range Over the Past 10 Years
Min: -44.42  Med: 4.63 Max: 21.14
Current: 18.22
-44.42
21.14
Net-margin (%) 9.94
FCTY's Net-margin (%) is ranked lower than
84% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. FCTY: 9.94 )
Ranked among companies with meaningful Net-margin (%) only.
FCTY' s Net-margin (%) Range Over the Past 10 Years
Min: -68.21  Med: 5.01 Max: 38.13
Current: 9.94
-68.21
38.13
ROE (%) 3.60
FCTY's ROE (%) is ranked lower than
82% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. FCTY: 3.60 )
Ranked among companies with meaningful ROE (%) only.
FCTY' s ROE (%) Range Over the Past 10 Years
Min: -15.11  Med: 1.28 Max: 13.13
Current: 3.6
-15.11
13.13
ROA (%) 0.35
FCTY's ROA (%) is ranked lower than
80% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FCTY: 0.35 )
Ranked among companies with meaningful ROA (%) only.
FCTY' s ROA (%) Range Over the Past 10 Years
Min: -2.94  Med: 0.19 Max: 1.37
Current: 0.35
-2.94
1.37
Revenue Growth (3Y)(%) 14.70
FCTY's Revenue Growth (3Y)(%) is ranked higher than
84% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FCTY: 14.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCTY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
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) 39.15
FCTY's P/E(ttm) is ranked lower than
94% of the 2209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.47 vs. FCTY: 39.15 )
Ranked among companies with meaningful P/E(ttm) only.
FCTY' s P/E(ttm) Range Over the Past 10 Years
Min: 6.77  Med: 26.66 Max: 3750
Current: 39.15
6.77
3750
Forward P/E 18.15
FCTY's Forward P/E is ranked lower than
95% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.51 vs. FCTY: 18.15 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 38.69
FCTY's PE(NRI) is ranked lower than
93% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. FCTY: 38.69 )
Ranked among companies with meaningful PE(NRI) only.
FCTY' s PE(NRI) Range Over the Past 10 Years
Min: 6.73  Med: 26.50 Max: 7500
Current: 38.69
6.73
7500
P/B 1.43
FCTY's P/B is ranked lower than
81% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FCTY: 1.43 )
Ranked among companies with meaningful P/B only.
FCTY' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 1.05 Max: 4.52
Current: 1.43
0.61
4.52
P/S 3.88
FCTY's P/S is ranked lower than
79% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. FCTY: 3.88 )
Ranked among companies with meaningful P/S only.
FCTY' s P/S Range Over the Past 10 Years
Min: 2.48  Med: 3.51 Max: 66.67
Current: 3.88
2.48
66.67
PFCF 24.71
FCTY's PFCF is ranked lower than
87% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. FCTY: 24.71 )
Ranked among companies with meaningful PFCF only.
FCTY' s PFCF Range Over the Past 10 Years
Min: 7.35  Med: 23.67 Max: 500
Current: 24.71
7.35
500
POCF 18.52
FCTY's POCF is ranked lower than
87% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. FCTY: 18.52 )
Ranked among companies with meaningful POCF only.
FCTY' s POCF Range Over the Past 10 Years
Min: 6.91  Med: 18.92 Max: 500
Current: 18.52
6.91
500
Shiller P/E 165.48
FCTY's Shiller P/E is ranked lower than
99% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.92 vs. FCTY: 165.48 )
Ranked among companies with meaningful Shiller P/E only.
FCTY' s Shiller P/E Range Over the Past 10 Years
Min: 137.41  Med: 179.50 Max: 375
Current: 165.48
137.41
375

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.43
FCTY's Price/Tangible Book is ranked lower than
71% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FCTY: 1.43 )
Ranked among companies with meaningful Price/Tangible Book only.
FCTY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 1.07 Max: 3.89
Current: 1.43
0.58
3.89
Price/Projected FCF 0.90
FCTY's Price/Projected FCF is ranked lower than
72% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. FCTY: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
FCTY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.57  Med: 0.73 Max: 0.89
Current: 0.9
0.57
0.89
Price/Median PS Value 1.11
FCTY's Price/Median PS Value is ranked lower than
72% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FCTY: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
FCTY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.71  Med: 1.02 Max: 18.3
Current: 1.11
0.71
18.3
Price/Graham Number 1.62
FCTY's Price/Graham Number is ranked lower than
93% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FCTY: 1.62 )
Ranked among companies with meaningful Price/Graham Number only.
FCTY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.6  Med: 0.98 Max: 10.82
Current: 1.62
0.6
10.82
Earnings Yield (Greenblatt) (%) 33.12
FCTY's Earnings Yield (Greenblatt) (%) is ranked lower than
99% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FCTY: 33.12 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCTY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -207.99  Med: 7.10 Max: 1239.8
Current: 33.12
-207.99
1239.8

More Statistics

Revenue(Mil) $23
EPS $ 0.23
Beta0.30
Short Percentage of Float0.05%
52-Week Range $5.48 - 9.00
Shares Outstanding(Mil)10.32

Analyst Estimate

Dec15 Dec16
Revenue(Mil)
EPS($) 0.27 0.49
EPS without NRI($) 0.27 0.49

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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