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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
SQBK's Cash to Debt is ranked higher than
98% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. SQBK: No Debt )
SQBK' s 10-Year Cash to Debt Range
Min: 0.52   Max: No Debt
Current: No Debt

Equity to Asset 0.10
SQBK's Equity to Asset is ranked higher than
69% of the 2241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SQBK: 0.10 )
SQBK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.1
Current: 0.1

0.08
0.1
Interest Coverage 61.74
SQBK's Interest Coverage is ranked higher than
97% of the 2151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SQBK: 61.74 )
SQBK' s 10-Year Interest Coverage Range
Min: 6.47   Max: 61.74
Current: 61.74

6.47
61.74
Z-Score: 0.28
WACC vs ROIC
1.96%
27.52%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 37.34
SQBK's Operating margin (%) is ranked higher than
84% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. SQBK: 37.34 )
SQBK' s 10-Year Operating margin (%) Range
Min: -70.42   Max: 38.63
Current: 37.34

-70.42
38.63
Net-margin (%) 25.60
SQBK's Net-margin (%) is ranked higher than
81% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. SQBK: 25.60 )
SQBK' s 10-Year Net-margin (%) Range
Min: -44.68   Max: 26.5
Current: 25.6

-44.68
26.5
ROE (%) 11.83
SQBK's ROE (%) is ranked higher than
87% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. SQBK: 11.83 )
SQBK' s 10-Year ROE (%) Range
Min: 8.6   Max: 13.9
Current: 11.83

8.6
13.9
ROA (%) 1.18
SQBK's ROA (%) is ranked higher than
87% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. SQBK: 1.18 )
SQBK' s 10-Year ROA (%) Range
Min: 0.65   Max: 1.26
Current: 1.18

0.65
1.26
ROC (Joel Greenblatt) (%) 1364.70
SQBK's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.69 vs. SQBK: 1364.70 )
SQBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 491.23   Max: 1406.12
Current: 1364.7

491.23
1406.12
» SQBK'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) 22.00
SQBK's P/E(ttm) is ranked higher than
64% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. SQBK: 22.00 )
SQBK' s 10-Year P/E(ttm) Range
Min: 15.83   Max: 23.54
Current: 22

15.83
23.54
PE(NRI) 22.10
SQBK's PE(NRI) is ranked higher than
69% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. SQBK: 22.10 )
SQBK' s 10-Year PE(NRI) Range
Min: 15.93   Max: 23.66
Current: 22.1

15.93
23.66
P/B 2.40
SQBK's P/B is ranked higher than
54% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. SQBK: 2.40 )
SQBK' s 10-Year P/B Range
Min: 1.79   Max: 2.63
Current: 2.4

1.79
2.63
P/S 5.83
SQBK's P/S is ranked lower than
56% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.82 vs. SQBK: 5.83 )
SQBK' s 10-Year P/S Range
Min: 3.83   Max: 6.23
Current: 5.83

3.83
6.23
PFCF 10.46
SQBK's PFCF is ranked higher than
84% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SQBK: 10.46 )
SQBK' s 10-Year PFCF Range
Min: 5.82   Max: 11.21
Current: 10.46

5.82
11.21
POCF 10.13
SQBK's POCF is ranked higher than
82% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 225.87 vs. SQBK: 10.13 )
SQBK' s 10-Year POCF Range
Min: 5.67   Max: 10.85
Current: 10.13

5.67
10.85
EV-to-EBIT 13.65
SQBK's EV-to-EBIT is ranked higher than
79% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. SQBK: 13.65 )
SQBK' s 10-Year EV-to-EBIT Range
Min: 6.5   Max: 15.5
Current: 13.65

6.5
15.5
Days Sales Outstanding 71.08
SQBK's Days Sales Outstanding is ranked higher than
85% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SQBK: 71.08 )
SQBK' s 10-Year Days Sales Outstanding Range
Min: 44.68   Max: 85.63
Current: 71.08

44.68
85.63

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.41
SQBK's Price/Tangible Book is ranked higher than
60% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SQBK: 2.41 )
SQBK' s 10-Year Price/Tangible Book Range
Min: 1.89   Max: 2.14
Current: 2.41

1.89
2.14
Price/Median PS Value 1.34
SQBK's Price/Median PS Value is ranked higher than
65% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SQBK: 1.34 )
SQBK' s 10-Year Price/Median PS Value Range
Min: 1.28   Max: 1.28
Current: 1.34

Price/Graham Number 1.54
SQBK's Price/Graham Number is ranked higher than
65% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SQBK: 1.54 )
SQBK' s 10-Year Price/Graham Number Range
Min: 1.47   Max: 1.47
Current: 1.54

Earnings Yield (Greenblatt) 7.30
SQBK's Earnings Yield (Greenblatt) is ranked higher than
72% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SQBK: 7.30 )
SQBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.4   Max: 15.3
Current: 7.3

6.4
15.3

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:JS1.Germany,
Square 1 Financial Inc is incorporated in Delaware on October, 2004. The Company is a financial services company, providing financial services to entrepreneurs and venture capitalists. The Company is bank holding company for Square 1 Bank. Through Square 1 Bank, the Company provides banking activities on venture capital firms and private equity firms and the portfolio companies funded by such firms. It provides various financial services nationwide to these investors and their portfolio companies, including, among others, term commercial loans, revolving lines of credit, asset-based loans, deposit products and fee-based banking services, including credit cards, foreign exchange, cash management and letters of credit. The Company also provides senior debt facilities to its borrowers that are secured by substantially all of the assets of the borrower client. In some instances, it also obtain the guarantee of the venture firm that provided venture capital to its borrower client or, in the case of a borrower that has not received venture capital funding, a guarantee of individuals associated with the borrower. For early stage companies, the primary source of repayment is typically cash collateral held in accounts with the bank.
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