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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.66
PMBC's Cash to Debt is ranked higher than
78% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PMBC: 1.66 )
PMBC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 1.66

Equity to Asset 0.12
PMBC's Equity to Asset is ranked higher than
83% of the 1753 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PMBC: 0.12 )
PMBC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.26
Current: 0.12

0.06
0.26
F-Score: 4
Z-Score: 0.10
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 : 4/10

vs
industry
vs
history
Operating margin (%) -7.92
PMBC's Operating margin (%) is ranked higher than
50% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. PMBC: -7.92 )
PMBC' s 10-Year Operating margin (%) Range
Min: -203.4   Max: 37.35
Current: -7.92

-203.4
37.35
Net-margin (%) -47.34
PMBC's Net-margin (%) is ranked lower than
52% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. PMBC: -47.34 )
PMBC' s 10-Year Net-margin (%) Range
Min: -203.4   Max: 28.72
Current: -47.34

-203.4
28.72
ROE (%) -12.68
PMBC's ROE (%) is ranked lower than
51% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. PMBC: -12.68 )
PMBC' s 10-Year ROE (%) Range
Min: -21.81   Max: 15.51
Current: -12.68

-21.81
15.51
ROA (%) -1.56
PMBC's ROA (%) is ranked lower than
52% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. PMBC: -1.56 )
PMBC' s 10-Year ROA (%) Range
Min: -2.17   Max: 1.14
Current: -1.56

-2.17
1.14
ROC (Joel Greenblatt) (%) -217.37
PMBC's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. PMBC: -217.37 )
PMBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -925   Max: 108.66
Current: -217.37

-925
108.66
Revenue Growth (%) -22.00
PMBC's Revenue Growth (%) is ranked higher than
52% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PMBC: -22.00 )
PMBC' s 10-Year Revenue Growth (%) Range
Min: -22   Max: 72.6
Current: -22

-22
72.6
EBITDA Growth (%) 3.70
PMBC's EBITDA Growth (%) is ranked higher than
70% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PMBC: 3.70 )
PMBC' s 10-Year EBITDA Growth (%) Range
Min: -57.8   Max: 126.4
Current: 3.7

-57.8
126.4
EPS Growth (%) -15.10
PMBC's EPS Growth (%) is ranked higher than
59% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. PMBC: -15.10 )
PMBC' s 10-Year EPS Growth (%) Range
Min: -20.6   Max: 304.1
Current: -15.1

-20.6
304.1
» PMBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

PMBC Guru Trades in Q3 2013

Jim Simons 156,316 sh (-15.91%)
» More
Q4 2013

PMBC Guru Trades in Q4 2013

Jim Simons 157,400 sh (+0.69%)
» More
Q1 2014

PMBC Guru Trades in Q1 2014

Jim Simons 160,600 sh (+2.03%)
» More
Q2 2014

PMBC Guru Trades in Q2 2014

Jim Simons 172,900 sh (+7.66%)
» More
» Details

Insider Trades

Latest Guru Trades with PMBC

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



No Guru Trades Found!
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Ratios

vs
industry
vs
history
P/B 1.30
PMBC's P/B is ranked higher than
68% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PMBC: 1.30 )
PMBC' s 10-Year P/B Range
Min: 0.39   Max: 2.55
Current: 1.3

0.39
2.55
P/S 4.00
PMBC's P/S is ranked higher than
63% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. PMBC: 4.00 )
PMBC' s 10-Year P/S Range
Min: 0.81   Max: 14.9
Current: 4

0.81
14.9
PFCF 11.30
PMBC's PFCF is ranked higher than
81% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. PMBC: 11.30 )
PMBC' s 10-Year PFCF Range
Min: 0.77   Max: 30
Current: 11.3

0.77
30
EV-to-EBIT -39.76
PMBC's EV-to-EBIT is ranked lower than
56% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. PMBC: -39.76 )
PMBC' s 10-Year EV-to-EBIT Range
Min: 3.1   Max: 127.9
Current: -39.76

3.1
127.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
PMBC's Price/Tangible Book is ranked higher than
74% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. PMBC: 1.26 )
PMBC' s 10-Year Price/Tangible Book Range
Min: 0.43   Max: 2.74
Current: 1.26

0.43
2.74
Price/DCF (Projected) 1.46
PMBC's Price/DCF (Projected) is ranked higher than
69% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. PMBC: 1.46 )
PMBC' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 4.13
Current: 1.46

0.19
4.13
Price/Median PS Value 1.12
PMBC's Price/Median PS Value is ranked higher than
71% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. PMBC: 1.12 )
PMBC' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 4.11
Current: 1.12

0.23
4.11
Earnings Yield (Greenblatt) 5.80
PMBC's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. PMBC: 5.80 )
PMBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 31.9
Current: 5.8

0.8
31.9
Forward Rate of Return (Yacktman) -8.94
PMBC's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. PMBC: -8.94 )
PMBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.1   Max: 63.2
Current: -8.94

-2.1
63.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Pacific Mercantile Bancorp is a California corporation. The Company is a bank holding company which, through its wholly owned subsidiary, Pacific Mercantile Bank is engaged in the commercial banking business in Southern California. The Bank provides a range of banking services to small and medium-size businesses, professionals and the general public in Orange, Los Angeles, San Bernardino and San Diego Counties of California. The Bank offers its customers a number of different loan products, including commercial loans and credit lines, accounts receivable and inventory financing, SBA guaranteed business loans, commercial real estate and consumer loans. It offers various banking and financial services designed mainly for its business banking customers. The Bank also offers a number of services and products that make it more convenient to conduct banking transactions, such as Internet banking services, ATMs, night drop services, courier and armored car services that enable its business customers to order and receive cash without having to travel to its banking offices, and Remote Deposit Capture, which enables business customers to image checks they receive for electronic deposit at the bank, thereby eliminating the need for customers to travel to its offices to deposit checks into their accounts. It competes for deposits and loans with those banks, with community banks that are based or have branch offices in its market areas, and with savings banks, credit unions, money market and other mutual funds, stock brokerage firms, insurance companies, and other traditional and nontraditional financial service organizations. The Company is a registered bank holding company subject to regulation under the Bank Holding Company Act of 1956, as amended. The Company is subject to extensive supervision and regulation by federal and state bank regulatory agencies.
» More Articles for PMBC

Headlines

Articles On GuruFocus.com
comment on PMBC Mar 23 2013 
Pacific Mercantile Bancorp Reports Operating Results (10-Q) Nov 12 2010 
Pacific Mercantile Bancorp (PMBC) CEO Raymond E Dellerba buys 1,000 Shares Sep 30 2010 
Pacific Mercantile Bancorp (PMBC) CFO Nancy A Gray buys 1,000 Shares May 04 2010 
Pacific Mercantile Bancorp (PMBC) CEO Raymond E Dellerba buys 2,000 Shares May 03 2010 
Pacific Mercantile Bancorp (PMBC) CEO Raymond E Dellerba buys 1,000 Shares May 03 2010 
Pacific Mercantile Bancorp (PMBC) CEO Raymond E Dellerba buys 1,000 Shares Dec 16 2009 
Pacific Mercantile Bancorp (PMBC) CFO Nancy A Gray buys 1,000 Shares Dec 11 2009 
Pacific Mercantile Bancorp (PMBC) CEO Raymond E Dellerba buys 3,700 Shares Nov 13 2009 
Pacific Mercantile Bancorp Reports Operating Results (10-Q) Aug 10 2009 

More From Other Websites
Exclusive: Pacific Mercantile Bancorp CEO Discusses Turnaround Oct 03 2014
Pacific Mercantile Bank Names Robert E. Sjogren Chief Operating Officer Sep 08 2014
PACIFIC MERCANTILE BANCORP Financials Aug 19 2014
Scott Parker Named SVP & Regional Manager of Pacific Mercantile Bank's La Jolla Office Aug 11 2014
PACIFIC MERCANTILE BANCORP Files SEC form 10-Q, Quarterly Report Aug 08 2014
Ross Macdonald Named SVP & Regional Manager of Pacific Mercantile Bank's San Juan Capistrano Office Aug 04 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 31 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 25 2014
Pacific Mercantile Bancorp Reports Second Quarter and Year to Date 2014 Operating Results Jul 25 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jun 06 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2014
PACIFIC MERCANTILE BANCORP Files SEC form 10-Q, Quarterly Report May 09 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Results of Operations and Financial Condition May 02 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Apr 08 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Changes in Registrant's Certifying Accountant Apr 02 2014
Tom R. Wagner Named EVP and Manager of Pacific Mercantile Bank's Northern Division Mar 25 2014
PACIFIC MERCANTILE BANCORP Files SEC form 10-K, Annual Report Mar 14 2014
Pacific Mercantile Bancorp Reports Fourth Quarter and Full Year 2013 Operating Results Mar 07 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Mar 07 2014
PACIFIC MERCANTILE BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Amendments... Jan 27 2014

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