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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

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

» FISB's 10-Y Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
1st Capital Bank was founded in 2006. The Bank provides banking services such as deposit, cash management, and credit products, to small and midmarket businesses, service professionals, commercial property owners, and residents throughout Monterey County. Through caring, integrity, and unrivaled service, it exists to promote the financial health and well-being of its customers and community. It offers a full menu of business financing. The Bank provides credit to its primary market of small and medium-size businesses and business service professionals. As mainly a business bank, the bank extends commercial and industrial loans to its business clients. The bank's loan portfolio includes commercial real estate loans that are collateralized primarily by industrial and small office buildings in the target markets. The bank provides construction financing with an emphasis on owner-occupied properties. It offers Loans to businesses and other service professionals; Term loans to finance equipment; Commercial lines of credit; Overdraft lines of credit; Accounts receivable and inventory financing; Loans qualifying under the SBA guarantee program; Commercial real estate loans; Construction loans; Home equity loans and lines of credit; Vehicle and recreational vehicle loans; Multifamily real estate loans; Commercial and industrial loans; and Letters of credit.
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