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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 1.09
WIBC's Cash to Debt is ranked higher than
70% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. WIBC: 1.09 )
WIBC' s 10-Year Cash to Debt Range
Min: 0.19   Max: No Debt
Current: 1.09

Equity to Asset 0.12
WIBC's Equity to Asset is ranked higher than
81% of the 2245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. WIBC: 0.12 )
WIBC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.12

0.06
0.12
Interest Coverage 4.91
WIBC's Interest Coverage is ranked higher than
88% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. WIBC: 4.91 )
WIBC' s 10-Year Interest Coverage Range
Min: 0.15   Max: 5.16
Current: 4.91

0.15
5.16
F-Score: 4
Z-Score: 0.35
WACC vs ROIC
12.69%
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
91% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. WIBC: 51.05 )
WIBC' s 10-Year Operating margin (%) Range
Min: -45.81   Max: 68.65
Current: 51.05

-45.81
68.65
Net-margin (%) 33.54
WIBC's Net-margin (%) is ranked higher than
87% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 vs. WIBC: 33.54 )
WIBC' s 10-Year Net-margin (%) Range
Min: -23.23   Max: 72.03
Current: 33.54

-23.23
72.03
ROE (%) 13.51
WIBC's ROE (%) is ranked higher than
87% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. WIBC: 13.51 )
WIBC' s 10-Year ROE (%) Range
Min: -14.04   Max: 28.31
Current: 13.51

-14.04
28.31
ROA (%) 1.63
WIBC's ROA (%) is ranked higher than
91% of the 2361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WIBC: 1.63 )
WIBC' s 10-Year ROA (%) Range
Min: -1.09   Max: 3.39
Current: 1.63

-1.09
3.39
ROC (Joel Greenblatt) (%) 737.80
WIBC's ROC (Joel Greenblatt) (%) is ranked higher than
97% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 vs. WIBC: 737.80 )
WIBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -527.5   Max: 979.75
Current: 737.8

-527.5
979.75
Revenue Growth (3Y)(%) 0.40
WIBC's Revenue Growth (3Y)(%) is ranked higher than
68% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. WIBC: 0.40 )
WIBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.4   Max: 30.2
Current: 0.4

-30.4
30.2
EBITDA Growth (3Y)(%) 121.80
WIBC's EBITDA Growth (3Y)(%) is ranked higher than
100% of the 1815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. WIBC: 121.80 )
WIBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -58.4   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

Q1 2014

WIBC Guru Trades in Q1 2014

Caxton Associates 243,117 sh (unchged)
David Dreman Sold Out
Jim Simons 1,801,325 sh (-13.96%)
Paul Tudor Jones 21,132 sh (-29.08%)
Steven Cohen 10,807 sh (-52.86%)
» More
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
» 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) 13.60
WIBC's P/E(ttm) is ranked higher than
79% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. WIBC: 13.60 )
WIBC' s 10-Year P/E(ttm) Range
Min: 4.26   Max: 40.28
Current: 13.6

4.26
40.28
Forward P/E 14.27
WIBC's Forward P/E is ranked higher than
81% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WIBC: 14.27 )
N/A
PE(NRI) 13.80
WIBC's PE(NRI) is ranked higher than
83% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. WIBC: 13.80 )
WIBC' s 10-Year PE(NRI) Range
Min: 4.27   Max: 39.83
Current: 13.8

4.27
39.83
P/B 1.60
WIBC's P/B is ranked higher than
60% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. WIBC: 1.60 )
WIBC' s 10-Year P/B Range
Min: 0.54   Max: 5.82
Current: 1.6

0.54
5.82
P/S 4.38
WIBC's P/S is ranked higher than
58% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. WIBC: 4.38 )
WIBC' s 10-Year P/S Range
Min: 0.61   Max: 8.6
Current: 4.38

0.61
8.6
PFCF 9.10
WIBC's PFCF is ranked higher than
86% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WIBC: 9.10 )
WIBC' s 10-Year PFCF Range
Min: 1.56   Max: 803.75
Current: 9.1

1.56
803.75
POCF 8.95
WIBC's POCF is ranked higher than
86% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. WIBC: 8.95 )
WIBC' s 10-Year POCF Range
Min: 1.56   Max: 385
Current: 8.95

1.56
385
EV-to-EBIT 8.88
WIBC's EV-to-EBIT is ranked higher than
91% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. WIBC: 8.88 )
WIBC' s 10-Year EV-to-EBIT Range
Min: -236.9   Max: 115.6
Current: 8.88

-236.9
115.6
Shiller P/E 183.10
WIBC's Shiller P/E is ranked higher than
70% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WIBC: 183.10 )
WIBC' s 10-Year Shiller P/E Range
Min: 4.15   Max: 183.1
Current: 183.1

4.15
183.1
Days Sales Outstanding 16.28
WIBC's Days Sales Outstanding is ranked higher than
96% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WIBC: 16.28 )
WIBC' s 10-Year Days Sales Outstanding Range
Min: 17.18   Max: 35.62
Current: 16.28

17.18
35.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.92
WIBC's Dividend Yield is ranked lower than
61% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. WIBC: 1.92 )
WIBC' s 10-Year Dividend Yield Range
Min: 0.28   Max: 5.48
Current: 1.92

0.28
5.48
Dividend Payout 0.27
WIBC's Dividend Payout is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. WIBC: 0.27 )
WIBC' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.36
Current: 0.27

0.14
0.36
Yield on cost (5-Year) 1.90
WIBC's Yield on cost (5-Year) is ranked lower than
62% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. WIBC: 1.90 )
WIBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.28   Max: 5.48
Current: 1.9

0.28
5.48
Share Buyback Rate -12.20
WIBC's Share Buyback Rate is ranked higher than
55% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. WIBC: -12.20 )
WIBC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -34.7
Current: -12.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
WIBC's Price/Tangible Book is ranked higher than
67% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. WIBC: 1.90 )
WIBC' s 10-Year Price/Tangible Book Range
Min: 0.79   Max: 5.55
Current: 1.9

0.79
5.55
Price/DCF (Projected) 1.00
WIBC's Price/DCF (Projected) is ranked higher than
82% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. WIBC: 1.00 )
WIBC' s 10-Year Price/DCF (Projected) Range
Min: 0.44   Max: 1.24
Current: 1

0.44
1.24
Price/Median PS Value 1.20
WIBC's Price/Median PS Value is ranked higher than
73% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. WIBC: 1.20 )
WIBC' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 2.12
Current: 1.2

0.37
2.12
Price/Graham Number 1.10
WIBC's Price/Graham Number is ranked higher than
75% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. WIBC: 1.10 )
WIBC' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.43
Current: 1.1

0.5
2.43
Earnings Yield (Greenblatt) 11.40
WIBC's Earnings Yield (Greenblatt) is ranked higher than
87% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. WIBC: 11.40 )
WIBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 22.6
Current: 11.4

0.9
22.6
Forward Rate of Return (Yacktman) -24.42
WIBC's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. WIBC: -24.42 )
WIBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -21.8   Max: 43.1
Current: -24.42

-21.8
43.1

Business Description

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