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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
96% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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
67% of the 1578 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
78% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 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
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 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 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 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 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
66% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SCAF: 6.12 )
Ranked among companies with meaningful ROE (%) only.
SCAF' s ROE (%) Range Over the Past 10 Years
Min: -5.72  Med: 1.70 Max: 6.12
Current: 6.12
-5.72
6.12
ROA (%) 0.71
SCAF's ROA (%) is ranked lower than
61% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SCAF: 0.71 )
Ranked among companies with meaningful ROA (%) only.
SCAF' s ROA (%) Range Over the Past 10 Years
Min: -0.82  Med: 0.33 Max: 0.73
Current: 0.71
-0.82
0.73
Revenue Growth (3Y)(%) 36.10
SCAF's Revenue Growth (3Y)(%) is ranked higher than
96% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SCAF: 36.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SCAF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 10.5  Med: 36.45 Max: 67.1
Current: 36.1
10.5
67.1
EBITDA Growth (3Y)(%) 114.80
SCAF's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SCAF: 114.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SCAF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 32.6  Med: 84.60 Max: 114.8
Current: 114.8
32.6
114.8
EPS Growth (3Y)(%) 54.00
SCAF's EPS Growth (3Y)(%) is ranked higher than
94% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 27.10
SCAF's P/E(ttm) is ranked lower than
90% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. SCAF: 27.10 )
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: 27.1
15.28
100
PE(NRI) 27.10
SCAF's PE(NRI) is ranked lower than
89% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SCAF: 27.10 )
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: 27.1
15.28
101.6
P/B 0.82
SCAF's P/B is ranked higher than
63% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 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
54% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 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 11.27
SCAF's POCF is ranked lower than
72% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SCAF: 11.27 )
Ranked among companies with meaningful POCF only.
SCAF' s POCF Range Over the Past 10 Years
Min: 6.36  Med: 107.50 Max: 214
Current: 11.27
6.36
214

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.82
SCAF's Price/Tangible Book is ranked higher than
68% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 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
78% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 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 lower than
51% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 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: 1.17 Max: 14.14
Current: 0.95
0.54
14.14
Price/Graham Number 0.99
SCAF's Price/Graham Number is ranked lower than
67% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 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 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 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(Mil) $24
EPS $ 0.72
Short Percentage of Float0.00%
52-Week Range $12.50 - 20.87
Shares Outstanding(Mil)2.99

Business Description

Industry: Banks » Banks - Regional - US
Compare: » 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.
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