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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
SCAF's Cash to Debt is ranked higher than
97% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. SCAF: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SCAF' s Cash to Debt Range Over the Past 10 Years
Min: 1.07  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.12
SCAF's Equity to Asset is ranked higher than
66% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SCAF: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
SCAF' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.15 Max: 0.29
Current: 0.12
0.11
0.29
Interest Coverage 4.65
SCAF's Interest Coverage is ranked higher than
79% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. SCAF: 4.65 )
Ranked among companies with meaningful Interest Coverage only.
SCAF' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 2.02 Max: 4.65
Current: 4.65
0.13
4.65
F-Score: 5
M-Score: -2.45
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 : 7/10

vs
industry
vs
history
Operating margin (%) 29.31
SCAF's Operating margin (%) is ranked lower than
55% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. SCAF: 29.31 )
Ranked among companies with meaningful Operating margin (%) only.
SCAF' s Operating margin (%) Range Over the Past 10 Years
Min: -116.39  Med: 3.49 Max: 29.31
Current: 29.31
-116.39
29.31
Net-margin (%) 17.11
SCAF's Net-margin (%) is ranked lower than
69% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. SCAF: 17.11 )
Ranked among companies with meaningful Net-margin (%) only.
SCAF' s Net-margin (%) Range Over the Past 10 Years
Min: -116.47  Med: 6.11 Max: 17.11
Current: 17.11
-116.47
17.11
ROE (%) 6.12
SCAF's ROE (%) is ranked lower than
67% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. SCAF: 6.12 )
Ranked among companies with meaningful ROE (%) only.
SCAF' s ROE (%) Range Over the Past 10 Years
Min: -9.17  Med: 1.67 Max: 6.12
Current: 6.12
-9.17
6.12
ROA (%) 0.71
SCAF's ROA (%) is ranked lower than
62% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SCAF: 0.71 )
Ranked among companies with meaningful ROA (%) only.
SCAF' s ROA (%) Range Over the Past 10 Years
Min: -2.1  Med: 0.27 Max: 0.73
Current: 0.71
-2.1
0.73
Revenue Growth (3Y)(%) 36.00
SCAF's Revenue Growth (3Y)(%) is ranked higher than
96% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. SCAF: 36.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SCAF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 10.5  Med: 36.40 Max: 67.2
Current: 36
10.5
67.2
EBITDA Growth (3Y)(%) 115.40
SCAF's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. SCAF: 115.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SCAF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 32.7  Med: 85.50 Max: 115.4
Current: 115.4
32.7
115.4
EPS Growth (3Y)(%) 54.00
SCAF's EPS Growth (3Y)(%) is ranked higher than
93% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SCAF: 54.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SCAF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 20.1  Med: 43.30 Max: 54
Current: 54
20.1
54
» SCAF's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CART, OTCPK:TBNC, OTCPK:WEIN, OTCPK:CFST, OTCPK:FFNM, OTCPK:PBCA » details


Security Bank Of Ca was incorporated on March 20, 2008. It is a bank holding company with a single banking subsidiary, Security Bank of California (the 'Bank'). The Company provides a range of banking services to individuals and corporate customers through its subsidiary. Security Bank of California was formed in 2004, was incorporated on January 13, 2005, and commenced operations on June 20, 2005. The Bank operates as a full service commercial bank offering loans and depository services to businesses and customers in the Inland Empire area of Southern California. The Bank has branch offices in San Bernardino and Riverside, California, which is also the location of its corporate office. As a State chartered bank, the Bank is subject to regulation by the California Department of Financial Institutions and the Federal Deposit Insurance Corporation.

Ratios

vs
industry
vs
history
P/E(ttm) 27.08
SCAF's P/E(ttm) is ranked lower than
87% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. SCAF: 27.08 )
Ranked among companies with meaningful P/E(ttm) only.
SCAF' s P/E(ttm) Range Over the Past 10 Years
Min: 15.28  Med: 28.20 Max: 100
Current: 27.08
15.28
100
PE(NRI) 27.08
SCAF's PE(NRI) is ranked lower than
88% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. SCAF: 27.08 )
Ranked among companies with meaningful PE(NRI) only.
SCAF' s PE(NRI) Range Over the Past 10 Years
Min: 15.28  Med: 28.20 Max: 101.6
Current: 27.08
15.28
101.6
Price/Owner Earnings (ttm) 15.42
SCAF's Price/Owner Earnings (ttm) is ranked lower than
67% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. SCAF: 15.42 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SCAF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.7  Med: 10.70 Max: 16.36
Current: 15.42
8.7
16.36
P/B 0.82
SCAF's P/B is ranked higher than
66% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SCAF: 0.82 )
Ranked among companies with meaningful P/B only.
SCAF' s P/B Range Over the Past 10 Years
Min: 0.46  Med: 0.81 Max: 3.54
Current: 0.82
0.46
3.54
P/S 2.40
SCAF's P/S is ranked higher than
61% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. SCAF: 2.40 )
Ranked among companies with meaningful P/S only.
SCAF' s P/S Range Over the Past 10 Years
Min: 1.35  Med: 2.53 Max: 44.93
Current: 2.4
1.35
44.93
POCF 11.28
SCAF's POCF is ranked lower than
66% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. SCAF: 11.28 )
Ranked among companies with meaningful POCF only.
SCAF' s POCF Range Over the Past 10 Years
Min: 6.36  Med: 110.82 Max: 201.89
Current: 11.28
6.36
201.89

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.82
SCAF's Price/Tangible Book is ranked higher than
69% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SCAF: 0.82 )
Ranked among companies with meaningful Price/Tangible Book only.
SCAF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.46  Med: 0.79 Max: 2.83
Current: 0.82
0.46
2.83
Price/Projected FCF 1.01
SCAF's Price/Projected FCF is ranked lower than
80% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SCAF: 1.01 )
Ranked among companies with meaningful Price/Projected FCF only.
SCAF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.6  Med: 0.62 Max: 0.63
Current: 1.01
0.6
0.63
Price/Median PS Value 0.95
SCAF's Price/Median PS Value is ranked higher than
58% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SCAF: 0.95 )
Ranked among companies with meaningful Price/Median PS Value only.
SCAF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.54  Med: 1.16 Max: 14.14
Current: 0.95
0.54
14.14
Price/Graham Number 0.99
SCAF's Price/Graham Number is ranked lower than
65% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. SCAF: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
SCAF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.59  Med: 0.95 Max: 2.27
Current: 0.99
0.59
2.27
Earnings Yield (Greenblatt) (%) -25.70
SCAF's Earnings Yield (Greenblatt) (%) is ranked lower than
97% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. SCAF: -25.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SCAF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -25.7  Med: 1.40 Max: 10435.6
Current: -25.7
-25.7
10435.6

More Statistics

Revenue (TTM) (Mil) $24.25
EPS (TTM) $ 0.72
Short Percentage of Float0.00%
52-Week Range $12.50 - 20.87
Shares Outstanding (Mil)2.99
» More Articles for SCAF

Headlines

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