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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 4.31
PMBC'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. PMBC: 4.31 )
Ranked among companies with meaningful Cash to Debt only.
PMBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.78 Max: No Debt
Current: 4.31
Equity to Asset 0.13
PMBC's Equity to Asset is ranked higher than
58% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PMBC: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
PMBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.26
Current: 0.13
0.06
0.26
Interest Coverage 0.17
PMBC's Interest Coverage is ranked lower than
95% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. PMBC: 0.17 )
Ranked among companies with meaningful Interest Coverage only.
PMBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 0.43 Max: 0.64
Current: 0.17
0.24
0.64
F-Score: 5
WACC vs ROIC
4.20%
101.41%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 2.45
PMBC's Operating margin (%) is ranked lower than
92% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. PMBC: 2.45 )
Ranked among companies with meaningful Operating margin (%) only.
PMBC' s Operating margin (%) Range Over the Past 10 Years
Min: -108.64  Med: -8.28 Max: 37.35
Current: 2.45
-108.64
37.35
Net-margin (%) 33.50
PMBC's Net-margin (%) is ranked lower than
93% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. PMBC: 33.50 )
Ranked among companies with meaningful Net-margin (%) only.
PMBC' s Net-margin (%) Range Over the Past 10 Years
Min: -70.47  Med: 9.20 Max: 34.06
Current: 33.5
-70.47
34.06
ROE (%) 8.92
PMBC's ROE (%) is ranked lower than
93% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. PMBC: 8.92 )
Ranked among companies with meaningful ROE (%) only.
PMBC' s ROE (%) Range Over the Past 10 Years
Min: -21.89  Med: 2.78 Max: 14.92
Current: 8.92
-21.89
14.92
ROA (%) 1.13
PMBC's ROA (%) is ranked lower than
92% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. PMBC: 1.13 )
Ranked among companies with meaningful ROA (%) only.
PMBC' s ROA (%) Range Over the Past 10 Years
Min: -2.17  Med: 0.29 Max: 1.14
Current: 1.13
-2.17
1.14
Revenue Growth (3Y)(%) -13.80
PMBC's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. PMBC: -13.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PMBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.1  Med: 0.20 Max: 72.6
Current: -13.8
-23.1
72.6
» PMBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

PMBC Guru Trades in Q4 2014

Jim Simons 201,700 sh (+9.50%)
» More
Q1 2015

PMBC Guru Trades in Q1 2015

Jim Simons 213,700 sh (+5.95%)
» More
Q2 2015

PMBC Guru Trades in Q2 2015

Jim Simons 223,900 sh (+4.77%)
» More
Q3 2015

PMBC Guru Trades in Q3 2015

Jim Simons 235,000 sh (+4.96%)
» 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%)

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Ratios

vs
industry
vs
history
P/B 1.15
PMBC's P/B is ranked lower than
66% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. PMBC: 1.15 )
Ranked among companies with meaningful P/B only.
PMBC' s P/B Range Over the Past 10 Years
Min: 0.39  Med: 1.02 Max: 2.55
Current: 1.15
0.39
2.55
P/S 3.58
PMBC's P/S is ranked lower than
74% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. PMBC: 3.58 )
Ranked among companies with meaningful P/S only.
PMBC' s P/S Range Over the Past 10 Years
Min: 0.81  Med: 3.58 Max: 17.89
Current: 3.58
0.81
17.89
POCF 169.25
PMBC's POCF is ranked lower than
100% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. PMBC: 169.25 )
Ranked among companies with meaningful POCF only.
PMBC' s POCF Range Over the Past 10 Years
Min: 0.77  Med: 10.85 Max: 178.75
Current: 169.25
0.77
178.75
EV-to-EBIT 0.40
PMBC's EV-to-EBIT is ranked higher than
99% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. PMBC: 0.40 )
Ranked among companies with meaningful EV-to-EBIT only.
PMBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -73.1  Med: 3.10 Max: 940.6
Current: 0.4
-73.1
940.6
EV-to-EBITDA 0.23
PMBC's EV-to-EBITDA is ranked higher than
100% of the 2139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.06 vs. PMBC: 0.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
PMBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -157  Med: 3.10 Max: 143.7
Current: 0.23
-157
143.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
PMBC's Price/Tangible Book is ranked lower than
56% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. PMBC: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
PMBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.43  Med: 1.21 Max: 2.74
Current: 1.15
0.43
2.74
Price/Projected FCF 1.15
PMBC's Price/Projected FCF is ranked lower than
81% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. PMBC: 1.15 )
Ranked among companies with meaningful Price/Projected FCF only.
PMBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 1.03 Max: 4.41
Current: 1.15
0.19
4.41
Price/Median PS Value 1.00
PMBC's Price/Median PS Value is ranked lower than
57% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. PMBC: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
PMBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 1.01 Max: 4.97
Current: 1
0.24
4.97
Earnings Yield (Greenblatt) (%) 250.00
PMBC's Earnings Yield (Greenblatt) (%) is ranked higher than
83% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. PMBC: 250.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PMBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.80 Max: 32.9
Current: 250
0.1
32.9
Forward Rate of Return (Yacktman) (%) 15.78
PMBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. PMBC: 15.78 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PMBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -31.5  Med: 12.75 Max: 72.3
Current: 15.78
-31.5
72.3

More Statistics

Revenue(Mil) $36
EPS $ 0.47
Beta0.03
Short Percentage of Float0.50%
52-Week Range $6.16 - 7.94
Shares Outstanding(Mil)22.81

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Pacific Mercantile Bancorp is a California corporation incorporated on January 7, 2000. 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 it receives for electronic deposit at the bank. 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
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 
Pacific Mercantile Bancorp (PMBC) CEO Raymond E Dellerba buys 3,000 Shares May 20 2009 

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