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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.55
PCBK's Cash to Debt is ranked higher than
63% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. PCBK: 0.55 )
PCBK' s 10-Year Cash to Debt Range
Min: 0.09   Max: 1.32
Current: 0.55

0.09
1.32
Equity to Asset 0.12
PCBK's Equity to Asset is ranked higher than
79% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PCBK: 0.12 )
PCBK' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.12

0.09
0.15
Interest Coverage 5.40
PCBK's Interest Coverage is ranked higher than
91% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PCBK: 5.40 )
PCBK' s 10-Year Interest Coverage Range
Min: 0.64   Max: 5.4
Current: 5.4

0.64
5.4
F-Score: 4
Z-Score: 0.22
WACC vs ROIC
6.89%
5.13%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 36.53
PCBK's Operating margin (%) is ranked higher than
82% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. PCBK: 36.53 )
PCBK' s 10-Year Operating margin (%) Range
Min: -109.21   Max: 45.14
Current: 36.53

-109.21
45.14
Net-margin (%) 23.71
PCBK's Net-margin (%) is ranked higher than
77% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. PCBK: 23.71 )
PCBK' s 10-Year Net-margin (%) Range
Min: -8.35   Max: 98.09
Current: 23.71

-8.35
98.09
ROE (%) 7.98
PCBK's ROE (%) is ranked higher than
72% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. PCBK: 7.98 )
PCBK' s 10-Year ROE (%) Range
Min: -3.46   Max: 19.92
Current: 7.98

-3.46
19.92
ROA (%) 0.97
PCBK's ROA (%) is ranked higher than
79% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PCBK: 0.97 )
PCBK' s 10-Year ROA (%) Range
Min: -0.43   Max: 2.11
Current: 0.97

-0.43
2.11
ROC (Joel Greenblatt) (%) 127.42
PCBK's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. PCBK: 127.42 )
PCBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -42.54   Max: 147.46
Current: 127.42

-42.54
147.46
Revenue Growth (3Y)(%) 4.00
PCBK's Revenue Growth (3Y)(%) is ranked higher than
80% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. PCBK: 4.00 )
PCBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.5   Max: 70.8
Current: 4

-11.5
70.8
EBITDA Growth (3Y)(%) 35.10
PCBK's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. PCBK: 35.10 )
PCBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.6   Max: 36.1
Current: 35.1

-29.6
36.1
EPS Growth (3Y)(%) 45.30
PCBK's EPS Growth (3Y)(%) is ranked higher than
95% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. PCBK: 45.30 )
PCBK' s 10-Year EPS Growth (3Y)(%) Range
Min: -36.2   Max: 45.3
Current: 45.3

-36.2
45.3
» PCBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

PCBK Guru Trades in Q2 2014

Chuck Royce 535,697 sh (unchged)
Jim Simons 194,500 sh (-14.48%)
» More
Q3 2014

PCBK Guru Trades in Q3 2014

Jim Simons 217,782 sh (+11.97%)
Chuck Royce 535,697 sh (unchged)
» More
Q4 2014

PCBK Guru Trades in Q4 2014

Jim Simons 215,800 sh (-0.91%)
Chuck Royce 376,597 sh (-29.70%)
» More
Q1 2015

PCBK Guru Trades in Q1 2015

Jim Simons 275,413 sh (+27.62%)
Chuck Royce 355,197 sh (-5.68%)
» More
» Details

Insider Trades

Latest Guru Trades with PCBK

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

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.30
PCBK's P/E(ttm) is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. PCBK: 15.30 )
PCBK' s 10-Year P/E(ttm) Range
Min: 9.27   Max: 78.39
Current: 15.3

9.27
78.39
Forward P/E 11.70
PCBK's Forward P/E is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PCBK: 11.70 )
N/A
PE(NRI) 15.40
PCBK's PE(NRI) is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. PCBK: 15.40 )
PCBK' s 10-Year PE(NRI) Range
Min: 9.25   Max: 77.47
Current: 15.4

9.25
77.47
P/B 1.07
PCBK's P/B is ranked higher than
79% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. PCBK: 1.07 )
PCBK' s 10-Year P/B Range
Min: 0.66   Max: 2.92
Current: 1.07

0.66
2.92
P/S 3.64
PCBK's P/S is ranked higher than
63% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. PCBK: 3.64 )
PCBK' s 10-Year P/S Range
Min: 1.98   Max: 6.64
Current: 3.64

1.98
6.64
PFCF 10.04
PCBK's PFCF is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PCBK: 10.04 )
PCBK' s 10-Year PFCF Range
Min: 3.99   Max: 39.39
Current: 10.04

3.99
39.39
POCF 9.88
PCBK's POCF is ranked higher than
84% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. PCBK: 9.88 )
PCBK' s 10-Year POCF Range
Min: 3.95   Max: 34.38
Current: 9.88

3.95
34.38
EV-to-EBIT 12.10
PCBK's EV-to-EBIT is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. PCBK: 12.10 )
PCBK' s 10-Year EV-to-EBIT Range
Min: -92.4   Max: 173.5
Current: 12.1

-92.4
173.5
Shiller P/E 30.77
PCBK's Shiller P/E is ranked higher than
77% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PCBK: 30.77 )
PCBK' s 10-Year Shiller P/E Range
Min: 9.57   Max: 34
Current: 30.77

9.57
34
Days Sales Outstanding 31.05
PCBK's Days Sales Outstanding is ranked higher than
90% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PCBK: 31.05 )
PCBK' s 10-Year Days Sales Outstanding Range
Min: 21.31   Max: 98.19
Current: 31.05

21.31
98.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.14
PCBK's Dividend Yield is ranked higher than
65% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. PCBK: 3.14 )
PCBK' s 10-Year Dividend Yield Range
Min: 0.38   Max: 4.02
Current: 3.14

0.38
4.02
Dividend Payout 0.48
PCBK's Dividend Payout is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. PCBK: 0.48 )
PCBK' s 10-Year Dividend Payout Range
Min: 0.08   Max: 10
Current: 0.48

0.08
10
Dividend growth (3y) 58.70
PCBK's Dividend growth (3y) is ranked higher than
97% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. PCBK: 58.70 )
PCBK' s 10-Year Dividend growth (3y) Range
Min: -51.6   Max: 108
Current: 58.7

-51.6
108
Yield on cost (5-Year) 12.61
PCBK's Yield on cost (5-Year) is ranked higher than
96% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. PCBK: 12.61 )
PCBK' s 10-Year Yield on cost (5-Year) Range
Min: 1.55   Max: 16.36
Current: 12.61

1.55
16.36
Share Buyback Rate 0.90
PCBK's Share Buyback Rate is ranked higher than
90% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. PCBK: 0.90 )
PCBK' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -15.5
Current: 0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
PCBK's Price/Tangible Book is ranked higher than
73% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. PCBK: 1.35 )
PCBK' s 10-Year Price/Tangible Book Range
Min: 0.82   Max: 2.87
Current: 1.35

0.82
2.87
Price/DCF (Projected) 0.58
PCBK's Price/DCF (Projected) is ranked higher than
91% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PCBK: 0.58 )
PCBK' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 1.3
Current: 0.58

0.43
1.3
Price/Median PS Value 0.99
PCBK's Price/Median PS Value is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PCBK: 0.99 )
PCBK' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 1.71
Current: 0.99

0.54
1.71
Price/Peter Lynch Fair Value 0.62
PCBK's Price/Peter Lynch Fair Value is ranked higher than
97% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PCBK: 0.62 )
PCBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.58   Max: 1.32
Current: 0.62

0.58
1.32
Price/Graham Number 0.95
PCBK's Price/Graham Number is ranked higher than
77% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PCBK: 0.95 )
PCBK' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 2.59
Current: 0.95

0.77
2.59
Earnings Yield (Greenblatt) 8.30
PCBK's Earnings Yield (Greenblatt) is ranked higher than
79% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. PCBK: 8.30 )
PCBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 9.2
Current: 8.3

0.6
9.2
Forward Rate of Return (Yacktman) 46.01
PCBK's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. PCBK: 46.01 )
PCBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7.6   Max: 46
Current: 46.01

7.6
46

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Pacific Continental Corp is an Oregon corporation organized on June 7, 1999. The Company's main business activities are conducted through its wholly owned subsidiary, Pacific Continental Bank or the Bank, with deposits insured by the Federal Deposit Insurance Corporation. The Bank's main markets include: Portland, Oregon / Southwest Washington, Seattle, Washington and Eugene, Oregon. The Company offers financial service products to meet the banking needs of its targeted segments in the market areas served. The Company offers deposit services that are typically available in banks and other financial institutions including checking, savings, money market accounts and time deposits. The transaction accounts and time deposits are tailored to the Company's main markets and market segments at rates competitive with those offered in the area. The Company emphasizes specific areas of lending within its main markets. Commercial loans are made mainly to professionals, community-based businesses and nonprofit organizations. These loans are available for general operating purposes, acquisition of fixed assets, purchases of equipment and machinery, financing of inventory and accounts receivable and other business purposes. The Company provides other traditional commercial and consumer banking services, including cash management products for businesses, online banking, safe deposit services, debit and automated teller machine cards, automated clearing house transactions, cashier's checks, notary services and others. The Company is a member of numerous ATM networks and utilizes an outside processor for the processing of these automated transactions. The Company competes with other banks, as well as with savings and loan associations, savings banks, credit unions, mortgage companies, investment banks, insurance companies, and other financial institutions. The Company is a bank holding company as defined in the Bank Holding Company Act of 1956, as amended, and is therefore subject to regulation, supervision and examination by the Federal Reserve.
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