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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 1.63
WIBC's Cash to Debt is ranked higher than
51% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. WIBC: 1.63 )
Ranked among companies with meaningful Cash to Debt only.
WIBC' s 10-Year Cash to Debt Range
Min: 0.14  Med: 0.67 Max: No Debt
Current: 1.63
Equity to Asset 0.12
WIBC's Equity to Asset is ranked higher than
68% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WIBC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
WIBC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.12
0.06
0.13
Interest Coverage 4.91
WIBC's Interest Coverage is ranked higher than
80% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. WIBC: 4.91 )
Ranked among companies with meaningful Interest Coverage only.
WIBC' s 10-Year Interest Coverage Range
Min: 0.15  Med: 1.35 Max: 5.16
Current: 4.91
0.15
5.16
F-Score: 5
WACC vs ROIC
12.73%
13.71%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 51.05
WIBC's Operating margin (%) is ranked higher than
86% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. WIBC: 51.05 )
Ranked among companies with meaningful Operating margin (%) only.
WIBC' s 10-Year Operating margin (%) Range
Min: -45.81  Med: 44.35 Max: 68.65
Current: 51.05
-45.81
68.65
Net-margin (%) 33.54
WIBC's Net-margin (%) is ranked higher than
79% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. WIBC: 33.54 )
Ranked among companies with meaningful Net-margin (%) only.
WIBC' s 10-Year Net-margin (%) Range
Min: -23.23  Med: 26.80 Max: 72.03
Current: 33.54
-23.23
72.03
ROE (%) 13.51
WIBC's ROE (%) is ranked higher than
80% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. WIBC: 13.51 )
Ranked among companies with meaningful ROE (%) only.
WIBC' s 10-Year ROE (%) Range
Min: -15.5  Med: 16.68 Max: 28.74
Current: 13.51
-15.5
28.74
ROA (%) 1.63
WIBC's ROA (%) is ranked higher than
84% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. WIBC: 1.63 )
Ranked among companies with meaningful ROA (%) only.
WIBC' s 10-Year ROA (%) Range
Min: -1.09  Med: 1.45 Max: 3.39
Current: 1.63
-1.09
3.39
ROC (Joel Greenblatt) (%) 737.80
WIBC's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. WIBC: 737.80 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WIBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -527.5  Med: 551.70 Max: 979.75
Current: 737.8
-527.5
979.75
Revenue Growth (3Y)(%) 0.40
WIBC's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. WIBC: 0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WIBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.4  Med: 12.80 Max: 30.2
Current: 0.4
-30.4
30.2
EBITDA Growth (3Y)(%) 121.80
WIBC's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WIBC: 121.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WIBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -58.4  Med: 10.70 Max: 121.8
Current: 121.8
-58.4
121.8
» WIBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

WIBC Guru Trades in Q2 2014

Caxton Associates 243,117 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 1,509,718 sh (-16.19%)
» More
Q3 2014

WIBC Guru Trades in Q3 2014

Paul Tudor Jones 32,852 sh (New)
Jim Simons 1,544,200 sh (+2.28%)
Caxton Associates 163,117 sh (-32.91%)
» More
Q4 2014

WIBC Guru Trades in Q4 2014

Jim Simons 1,680,400 sh (+8.82%)
Paul Tudor Jones Sold Out
Caxton Associates 153,117 sh (-6.13%)
» More
Q1 2015

WIBC Guru Trades in Q1 2015

Paul Tudor Jones 51,300 sh (New)
Jim Simons 1,825,600 sh (+8.64%)
Caxton Associates Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with WIBC

(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/E(ttm) 13.94
WIBC's P/E(ttm) is ranked lower than
53% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. WIBC: 13.94 )
Ranked among companies with meaningful P/E(ttm) only.
WIBC' s 10-Year P/E(ttm) Range
Min: 4.26  Med: 13.42 Max: 40.28
Current: 13.94
4.26
40.28
Forward P/E 12.33
WIBC's Forward P/E is ranked lower than
56% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. WIBC: 12.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.50
WIBC's PE(NRI) is ranked lower than
54% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. WIBC: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
WIBC' s 10-Year PE(NRI) Range
Min: 4.27  Med: 13.46 Max: 39.83
Current: 14.5
4.27
39.83
P/B 1.80
WIBC's P/B is ranked lower than
86% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. WIBC: 1.80 )
Ranked among companies with meaningful P/B only.
WIBC' s 10-Year P/B Range
Min: 0.54  Med: 1.56 Max: 5.72
Current: 1.8
0.54
5.72
P/S 4.74
WIBC's P/S is ranked lower than
79% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. WIBC: 4.74 )
Ranked among companies with meaningful P/S only.
WIBC' s 10-Year P/S Range
Min: 0.61  Med: 3.54 Max: 8.25
Current: 4.74
0.61
8.25
PFCF 9.08
WIBC's PFCF is ranked higher than
58% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. WIBC: 9.08 )
Ranked among companies with meaningful PFCF only.
WIBC' s 10-Year PFCF Range
Min: 1.57  Med: 8.94 Max: 24.33
Current: 9.08
1.57
24.33
POCF 8.93
WIBC's POCF is ranked higher than
53% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. WIBC: 8.93 )
Ranked among companies with meaningful POCF only.
WIBC' s 10-Year POCF Range
Min: 1.57  Med: 8.81 Max: 385
Current: 8.93
1.57
385
EV-to-EBIT 7.80
WIBC's EV-to-EBIT is ranked higher than
79% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. WIBC: 7.80 )
Ranked among companies with meaningful EV-to-EBIT only.
WIBC' s 10-Year EV-to-EBIT Range
Min: -236.9  Med: 10.50 Max: 115.6
Current: 7.8
-236.9
115.6
Shiller P/E 135.84
WIBC's Shiller P/E is ranked lower than
98% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. WIBC: 135.84 )
Ranked among companies with meaningful Shiller P/E only.
WIBC' s 10-Year Shiller P/E Range
Min: 4.1  Med: 17.10 Max: 170.17
Current: 135.84
4.1
170.17
Days Sales Outstanding 16.28
WIBC's Days Sales Outstanding is ranked higher than
85% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. WIBC: 16.28 )
Ranked among companies with meaningful Days Sales Outstanding only.
WIBC' s 10-Year Days Sales Outstanding Range
Min: 17.18  Med: 22.46 Max: 35.62
Current: 16.28
17.18
35.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.81
WIBC's Dividend Yield is ranked lower than
70% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. WIBC: 1.81 )
Ranked among companies with meaningful Dividend Yield only.
WIBC' s 10-Year Dividend Yield Range
Min: 0.28  Med: 1.59 Max: 5.48
Current: 1.81
0.28
5.48
Dividend Payout 0.24
WIBC's Dividend Payout is ranked higher than
80% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WIBC: 0.24 )
Ranked among companies with meaningful Dividend Payout only.
WIBC' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.20 Max: 0.71
Current: 0.24
0.11
0.71
Yield on cost (5-Year) 1.81
WIBC's Yield on cost (5-Year) is ranked lower than
72% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. WIBC: 1.81 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WIBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.28  Med: 1.59 Max: 5.48
Current: 1.81
0.28
5.48
Share Buyback Rate -12.20
WIBC's Share Buyback Rate is ranked lower than
80% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. WIBC: -12.20 )
Ranked among companies with meaningful Share Buyback Rate only.
WIBC' s 10-Year Share Buyback Rate Range
Min: 0  Med: -1.80 Max: -34.7
Current: -12.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.09
WIBC's Price/Tangible Book is ranked lower than
86% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. WIBC: 2.09 )
Ranked among companies with meaningful Price/Tangible Book only.
WIBC' s 10-Year Price/Tangible Book Range
Min: 0.79  Med: 1.79 Max: 5.55
Current: 2.09
0.79
5.55
Price/Projected FCF 1.11
WIBC's Price/Projected FCF is ranked lower than
80% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. WIBC: 1.11 )
Ranked among companies with meaningful Price/Projected FCF only.
WIBC' s 10-Year Price/Projected FCF Range
Min: 0.25  Med: 0.59 Max: 1.32
Current: 1.11
0.25
1.32
Price/Median PS Value 1.33
WIBC's Price/Median PS Value is ranked lower than
79% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. WIBC: 1.33 )
Ranked among companies with meaningful Price/Median PS Value only.
WIBC' s 10-Year Price/Median PS Value Range
Min: 0.19  Med: 0.97 Max: 2.12
Current: 1.33
0.19
2.12
Price/Graham Number 1.14
WIBC's Price/Graham Number is ranked lower than
76% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. WIBC: 1.14 )
Ranked among companies with meaningful Price/Graham Number only.
WIBC' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 1.03 Max: 2.43
Current: 1.14
0.41
2.43
Earnings Yield (Greenblatt) (%) 12.77
WIBC's Earnings Yield (Greenblatt) (%) is ranked higher than
81% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. WIBC: 12.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WIBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 8.80 Max: 22.6
Current: 12.77
0.9
22.6
Forward Rate of Return (Yacktman) (%) -25.20
WIBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. WIBC: -25.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WIBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -21.7  Med: 8.90 Max: 43.1
Current: -25.2
-21.7
43.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:WSB.Germany,
Wilshire Bancorp Inc was incorporated under the laws of the State of California on May 20, 1980. The Company is a bank holding company offers a range of financial products and services mainly through its main subsidiary, Wilshire Bank, a California state-chartered commercial bank. It operates in three business segments: Banking Operations, Trade Finance Services and Small Business Administration Lending Services. Banking Operations raises funds from deposits and borrowings for loans and investments and provides lending products including commercial, consumer and real estate loans to customers. Small Business Administration Lending Services provides loans through the SBA guaranteed lending program. Trade Finance Services assists its import/export customers with international transactions. Trade finance products include the issuance and collection of letters of credit, international collection and import/export financing. The company engages in a complement of lending activities, including: commercial real estate and home mortgage lending; commercial business lending and trade finance; SBA lending, and consumer loans, and construction lending. It offers commercial business loans to sole proprietorships, partnerships and corporations. These loans include business lines of credit and business term loans to finance operations, to provide working capital or for specific purposes, such as to finance the purchase of assets, equipment or inventory. The company offers Internet banking, which allows its customers to access their deposit and loan accounts through the Internet. Customers are able to obtain transaction history and account information, transfer funds between accounts, make on-line bill payments, and open deposit accounts. It also offer ATM machines located at selected branch offices, customer access to an ATM network and armored carrier services. The companys competitors include national banks, regional banks and other community banks as well as other types of financial institutions, including without limitation, savings and loan institutions, finance companies, brokerage firms, insurance companies, credit unions, mortgage banks and other financial intermediaries. The Company is subject to various regulatory capital requirements administered by the federal banking agencies.
» More Articles for WIBC

Headlines

Articles On GuruFocus.com
price Sep 15 2011 
14 Cheap Dividend Stocks Close to 52-Week Lows May 05 2011 
Wilshire Bancorp Inc. Reports Operating Results (10-K) Mar 16 2011 
Wilshire Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2010 
Wilshire Bancorp Inc. Reports Operating Results (10-Q) Aug 09 2010 
Wilshire Bancorp Inc. Reports Operating Results (10-Q) May 07 2010 
Wilshire Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2009 
Wilshire Bancorp 2008 Fourth Quarter and Year End Earnings Conference Call Jan 07 2009 

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