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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 : 3/10

vs
industry
vs
history
Cash to Debt 2.91
PMBC's Cash to Debt is ranked higher than
58% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. PMBC: 2.91 )
Ranked among companies with meaningful Cash to Debt only.
PMBC' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.76 Max: No Debt
Current: 2.91
Equity to Asset 0.12
PMBC's Equity to Asset is ranked higher than
68% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PMBC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
PMBC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.26
Current: 0.12
0.06
0.26
F-Score: 3
WACC vs ROIC
2.27%
2.51%
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 (%) 0.21
PMBC's Operating margin (%) is ranked lower than
92% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. PMBC: 0.21 )
Ranked among companies with meaningful Operating margin (%) only.
PMBC' s 10-Year Operating margin (%) Range
Min: -203.4  Med: 10.80 Max: 37.35
Current: 0.21
-203.4
37.35
Net-margin (%) -0.96
PMBC's Net-margin (%) is ranked lower than
93% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. PMBC: -0.96 )
Ranked among companies with meaningful Net-margin (%) only.
PMBC' s 10-Year Net-margin (%) Range
Min: -203.4  Med: 8.79 Max: 28.08
Current: -0.96
-203.4
28.08
ROE (%) -1.02
PMBC's ROE (%) is ranked lower than
93% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. PMBC: -1.02 )
Ranked among companies with meaningful ROE (%) only.
PMBC' s 10-Year ROE (%) Range
Min: -21.89  Med: 4.01 Max: 14.92
Current: -1.02
-21.89
14.92
ROA (%) -0.03
PMBC's ROA (%) is ranked lower than
92% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PMBC: -0.03 )
Ranked among companies with meaningful ROA (%) only.
PMBC' s 10-Year ROA (%) Range
Min: -2.17  Med: 0.36 Max: 1.14
Current: -0.03
-2.17
1.14
Revenue Growth (3Y)(%) -19.20
PMBC's Revenue Growth (3Y)(%) is ranked lower than
92% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PMBC: -19.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PMBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -22  Med: 6.40 Max: 72.6
Current: -19.2
-22
72.6
» PMBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

PMBC Guru Trades in Q3 2014

Jim Simons 184,200 sh (+6.54%)
» More
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
» 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 1.31
PMBC's P/B is ranked lower than
71% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. PMBC: 1.31 )
Ranked among companies with meaningful P/B only.
PMBC' s 10-Year P/B Range
Min: 0.39  Med: 1.03 Max: 2.55
Current: 1.31
0.39
2.55
P/S 3.80
PMBC's P/S is ranked lower than
71% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. PMBC: 3.80 )
Ranked among companies with meaningful P/S only.
PMBC' s 10-Year P/S Range
Min: 0.81  Med: 3.61 Max: 17.89
Current: 3.8
0.81
17.89
EV-to-EBIT 835.97
PMBC's EV-to-EBIT is ranked lower than
100% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. PMBC: 835.97 )
Ranked among companies with meaningful EV-to-EBIT only.
PMBC' s 10-Year EV-to-EBIT Range
Min: -73.1  Med: 3.60 Max: 940.6
Current: 835.97
-73.1
940.6
Days Sales Outstanding 20.77
PMBC's Days Sales Outstanding is ranked higher than
78% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. PMBC: 20.77 )
Ranked among companies with meaningful Days Sales Outstanding only.
PMBC' s 10-Year Days Sales Outstanding Range
Min: 13.24  Med: 39.66 Max: 59.66
Current: 20.77
13.24
59.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
PMBC's Price/Tangible Book is ranked lower than
62% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PMBC: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
PMBC' s 10-Year Price/Tangible Book Range
Min: 0.43  Med: 1.20 Max: 2.74
Current: 1.31
0.43
2.74
Price/Projected FCF 1.46
PMBC's Price/Projected FCF is ranked lower than
89% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PMBC: 1.46 )
Ranked among companies with meaningful Price/Projected FCF only.
PMBC' s 10-Year Price/Projected FCF Range
Min: 0.16  Med: 0.89 Max: 4.13
Current: 1.46
0.16
4.13
Price/Median PS Value 1.06
PMBC's Price/Median PS Value is ranked lower than
55% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. PMBC: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
PMBC' s 10-Year Price/Median PS Value Range
Min: 0.23  Med: 1.01 Max: 4.93
Current: 1.06
0.23
4.93
Price/Graham Number 4.95
PMBC's Price/Graham Number is ranked lower than
99% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. PMBC: 4.95 )
Ranked among companies with meaningful Price/Graham Number only.
PMBC' s 10-Year Price/Graham Number Range
Min: 0.27  Med: 1.37 Max: 6.61
Current: 4.95
0.27
6.61
Earnings Yield (Greenblatt) (%) 0.10
PMBC's Earnings Yield (Greenblatt) (%) is ranked lower than
90% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. PMBC: 0.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PMBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 2.80 Max: 32.9
Current: 0.1
0.1
32.9
Forward Rate of Return (Yacktman) (%) 14.60
PMBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. PMBC: 14.60 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PMBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -31.5  Med: 12.75 Max: 74.2
Current: 14.6
-31.5
74.2

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
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 

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