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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 1.63
FCTY's Cash to Debt is ranked higher than
77% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCTY: 1.63 )
FCTY' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 1.63

Equity to Asset 0.10
FCTY's Equity to Asset is ranked higher than
69% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FCTY: 0.10 )
FCTY' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.33
Current: 0.1

0.1
0.33
Interest Coverage 4.71
FCTY's Interest Coverage is ranked higher than
92% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 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: 4
Z-Score: 0.14
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
61% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 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 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 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 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 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
90% of the 1563 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
93% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 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 1284 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

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Ratios

vs
industry
vs
history
P/E(ttm) 10.20
FCTY's P/E(ttm) is ranked higher than
83% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. FCTY: 10.20 )
FCTY' s 10-Year P/E(ttm) Range
Min: 6.77   Max: 3750
Current: 10.2

6.77
3750
P/B 1.30
FCTY's P/B is ranked higher than
54% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FCTY: 1.30 )
FCTY' s 10-Year P/B Range
Min: 0.61   Max: 2.68
Current: 1.3

0.61
2.68
P/S 3.90
FCTY's P/S is ranked lower than
65% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FCTY: 3.90 )
FCTY' s 10-Year P/S Range
Min: 2.48   Max: 43.48
Current: 3.9

2.48
43.48
PFCF 12.80
FCTY's PFCF is ranked lower than
63% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FCTY: 12.80 )
FCTY' s 10-Year PFCF Range
Min: 7.35   Max: 97.22
Current: 12.8

7.35
97.22
EV-to-EBIT 27.80
FCTY's EV-to-EBIT is ranked lower than
59% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. FCTY: 27.80 )
FCTY' s 10-Year EV-to-EBIT Range
Min: 5.3   Max: 2066.1
Current: 27.8

5.3
2066.1
PEG 0.60
FCTY's PEG is ranked higher than
78% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCTY: 0.60 )
FCTY' s 10-Year PEG Range
Min: 0.35   Max: 2.87
Current: 0.6

0.35
2.87

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
FCTY's Price/Tangible Book is ranked higher than
63% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FCTY: 1.30 )
FCTY' s 10-Year Price/Tangible Book Range
Min: 0.69   Max: 1.93
Current: 1.3

0.69
1.93
Price/DCF (Projected) 0.90
FCTY's Price/DCF (Projected) is ranked lower than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FCTY: 0.90 )
FCTY' s 10-Year Price/DCF (Projected) Range
Min: 0.57   Max: 0.8
Current: 0.9

0.57
0.8
Price/Median PS Value 1.10
FCTY's Price/Median PS Value is ranked higher than
58% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FCTY: 1.10 )
FCTY' s 10-Year Price/Median PS Value Range
Min: 0.68   Max: 17.96
Current: 1.1

0.68
17.96
Price/Graham Number 0.80
FCTY's Price/Graham Number is ranked higher than
74% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FCTY: 0.80 )
FCTY' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 6.17
Current: 0.8

0.73
6.17
Earnings Yield (Greenblatt) 3.60
FCTY's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FCTY: 3.60 )
FCTY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 18.9
Current: 3.6

0.1
18.9
Forward Rate of Return (Yacktman) 2.37
FCTY's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. FCTY: 2.37 )
FCTY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.3   Max: 4
Current: 2.37

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.

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