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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.75
WCBO's Cash to Debt is ranked lower than
98% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. WCBO: 0.75 )
WCBO' s 10-Year Cash to Debt Range
Min: 0.55   Max: 0.98
Current: 0.75

0.55
0.98
Interest Coverage -8.30
WCBO's Interest Coverage is ranked lower than
84% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. WCBO: -8.30 )
WCBO' s 10-Year Interest Coverage Range
Min: -8   Max: 3
Current: -8.3

-8
3
F-Score: 5
Z-Score: 0.33
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 (%) 30.10
WCBO's Operating margin (%) is ranked lower than
77% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. WCBO: 30.10 )
WCBO' s 10-Year Operating margin (%) Range
Min: -125.8   Max: 34.6
Current: 30.1

-125.8
34.6
Net-margin (%) 19.80
WCBO's Net-margin (%) is ranked lower than
76% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. WCBO: 19.80 )
WCBO' s 10-Year Net-margin (%) Range
Min: -103.8   Max: 30
Current: 19.8

-103.8
30
ROE (%) 6.90
WCBO's ROE (%) is ranked lower than
76% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. WCBO: 6.90 )
WCBO' s 10-Year ROE (%) Range
Min: -36.6   Max: 15.2
Current: 6.9

-36.6
15.2
ROA (%) 0.90
WCBO's ROA (%) is ranked lower than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. WCBO: 0.90 )
WCBO' s 10-Year ROA (%) Range
Min: -3.3   Max: 1.4
Current: 0.9

-3.3
1.4
Revenue Growth (%) -31.50
WCBO's Revenue Growth (%) is ranked lower than
85% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WCBO: -31.50 )
WCBO' s 10-Year Revenue Growth (%) Range
Min: -39   Max: 9.9
Current: -31.5

-39
9.9
» WCBO's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2012

WCBO Guru Trades in Q3 2012

Jeremy Grantham 12,900 sh (New)
Michael Price 1,707,000 sh (unchged)
Jim Simons Sold Out
» More
Q4 2012

WCBO Guru Trades in Q4 2012

Michael Price 1,707,000 sh (unchged)
» More
Q1 2013

WCBO Guru Trades in Q1 2013

Jim Simons 217,318 sh (New)
Michael Price 1,707,000 sh (unchged)
» More
Q2 2013

WCBO Guru Trades in Q2 2013

Michael Price Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with WCBO

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2012-06-30 New Buy4.8%$18.21 - $20.75 $ 42.6122%1707000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 1.40
WCBO's P/B is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. WCBO: 1.40 )
WCBO' s 10-Year P/B Range
Min: 0.1   Max: 2.77
Current: 1.4

0.1
2.77
P/S 4.14
WCBO's P/S is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. WCBO: 4.14 )
WCBO' s 10-Year P/S Range
Min: 0.16   Max: 4.2
Current: 4.14

0.16
4.2
PFCF 14.30
WCBO's PFCF is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. WCBO: 14.30 )
WCBO' s 10-Year PFCF Range
Min: 0.38   Max: 19.89
Current: 14.3

0.38
19.89
EV-to-EBIT 25.60
WCBO's EV-to-EBIT is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. WCBO: 25.60 )
WCBO' s 10-Year EV-to-EBIT Range
Min: 46.5   Max: 4440.3
Current: 25.6

46.5
4440.3
Shiller P/E 834.60
WCBO's Shiller P/E is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. WCBO: 834.60 )
WCBO' s 10-Year Shiller P/E Range
Min: 1.03   Max: 840.4
Current: 834.6

1.03
840.4
Current Ratio 0.79
WCBO's Current Ratio is ranked lower than
1831% of the 67 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. WCBO: 0.79 )
WCBO' s 10-Year Current Ratio Range
Min: 0   Max: 0
Current: 0.79

Quick Ratio 0.81
WCBO's Quick Ratio is ranked lower than
1831% of the 67 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. WCBO: 0.81 )
WCBO' s 10-Year Quick Ratio Range
Min: 0   Max: 0
Current: 0.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.62
WCBO's Dividend Yield is ranked lower than
88% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. WCBO: 0.62 )
WCBO' s 10-Year Dividend Yield Range
Min: 0.22   Max: 32.44
Current: 0.62

0.22
32.44
Dividend Payout 0.09
WCBO's Dividend Payout is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WCBO: 0.09 )
WCBO' s 10-Year Dividend Payout Range
Min: 0.16   Max: 0.17
Current: 0.09

0.16
0.17
Yield on cost (5-Year) 0.62
WCBO's Yield on cost (5-Year) is ranked lower than
90% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. WCBO: 0.62 )
WCBO' s 10-Year Yield on cost (5-Year) Range
Min: 0.22   Max: 32.44
Current: 0.62

0.22
32.44
Share Buyback Rate -57.50
WCBO's Share Buyback Rate is ranked lower than
99% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. WCBO: -57.50 )
WCBO' s 10-Year Share Buyback Rate Range
Min: 2.4   Max: -57.5
Current: -57.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.40
WCBO's Price/Tangible Book is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. WCBO: 2.40 )
WCBO' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 1.3
Current: 2.4

1.1
1.3
Price/DCF (Projected) 1.30
WCBO's Price/DCF (Projected) is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. WCBO: 1.30 )
WCBO' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.6
Current: 1.3

0.5
0.6
Price/Median PS Value 2.40
WCBO's Price/Median PS Value is ranked lower than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. WCBO: 2.40 )
WCBO' s 10-Year Price/Median PS Value Range
Min: 1.1   Max: 1.3
Current: 2.4

1.1
1.3
Earnings Yield (Greenblatt) 3.90
WCBO's Earnings Yield (Greenblatt) is ranked lower than
78% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. WCBO: 3.90 )
WCBO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 3.9
Current: 3.9

0.5
3.9
Forward Rate of Return (Yacktman) 31.91
WCBO's Forward Rate of Return (Yacktman) is ranked lower than
97% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. WCBO: 31.91 )
WCBO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 14.5   Max: 106.8
Current: 31.91

14.5
106.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details

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