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Also traded in: Germany

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 0.40
WIBC's Cash to Debt is ranked lower than
71% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. WIBC: 0.40 )
Ranked among companies with meaningful Cash to Debt only.
WIBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.68 Max: No Debt
Current: 0.4
Equity to Asset 0.11
WIBC's Equity to Asset is ranked higher than
60% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WIBC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
WIBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.11
0.06
0.13
Interest Coverage 3.68
WIBC's Interest Coverage is ranked higher than
72% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. WIBC: 3.68 )
Ranked among companies with meaningful Interest Coverage only.
WIBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 0.86 Max: 5.16
Current: 3.68
0.15
5.16
F-Score: 4
WACC vs ROIC
10.54%
15.75%
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 (%) 48.81
WIBC's Operating margin (%) is ranked higher than
83% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. WIBC: 48.81 )
Ranked among companies with meaningful Operating margin (%) only.
WIBC' s Operating margin (%) Range Over the Past 10 Years
Min: -45.81  Med: 44.64 Max: 68.65
Current: 48.81
-45.81
68.65
Net-margin (%) 31.25
WIBC's Net-margin (%) is ranked higher than
74% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. WIBC: 31.25 )
Ranked among companies with meaningful Net-margin (%) only.
WIBC' s Net-margin (%) Range Over the Past 10 Years
Min: -23.23  Med: 28.60 Max: 72.03
Current: 31.25
-23.23
72.03
ROE (%) 11.95
WIBC's ROE (%) is ranked higher than
75% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. WIBC: 11.95 )
Ranked among companies with meaningful ROE (%) only.
WIBC' s ROE (%) Range Over the Past 10 Years
Min: -15.5  Med: 12.52 Max: 28.74
Current: 11.95
-15.5
28.74
ROA (%) 1.36
WIBC's ROA (%) is ranked higher than
78% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. WIBC: 1.36 )
Ranked among companies with meaningful ROA (%) only.
WIBC' s ROA (%) Range Over the Past 10 Years
Min: -1.09  Med: 1.35 Max: 3.39
Current: 1.36
-1.09
3.39
Revenue Growth (3Y)(%) 0.40
WIBC's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. WIBC: 0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WIBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
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 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. WIBC: 121.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WIBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
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

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
Q2 2015

WIBC Guru Trades in Q2 2015

Jim Simons 2,001,800 sh (+9.65%)
Paul Tudor Jones Sold Out
» More
Q3 2015

WIBC Guru Trades in Q3 2015

Paul Tudor Jones 31,700 sh (New)
Ken Fisher 224,216 sh (New)
Jim Simons 2,004,780 sh (+0.15%)
» More
Q4 2015

WIBC Guru Trades in Q4 2015

Ken Fisher 293,229 sh (+30.78%)
» 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) 12.30
WIBC's P/E(ttm) is ranked lower than
55% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. WIBC: 12.30 )
Ranked among companies with meaningful P/E(ttm) only.
WIBC' s P/E(ttm) Range Over the Past 10 Years
Min: 4.27  Med: 13.15 Max: 39.83
Current: 12.3
4.27
39.83
Forward P/E 10.49
WIBC's Forward P/E is ranked lower than
63% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. WIBC: 10.49 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.30
WIBC's PE(NRI) is ranked lower than
51% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. WIBC: 12.30 )
Ranked among companies with meaningful PE(NRI) only.
WIBC' s PE(NRI) Range Over the Past 10 Years
Min: 4.27  Med: 13.15 Max: 39.83
Current: 12.3
4.27
39.83
P/B 1.47
WIBC's P/B is ranked lower than
80% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. WIBC: 1.47 )
Ranked among companies with meaningful P/B only.
WIBC' s P/B Range Over the Past 10 Years
Min: 0.54  Med: 1.56 Max: 4.81
Current: 1.47
0.54
4.81
P/S 4.02
WIBC's P/S is ranked lower than
79% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. WIBC: 4.02 )
Ranked among companies with meaningful P/S only.
WIBC' s P/S Range Over the Past 10 Years
Min: 0.61  Med: 3.44 Max: 6.59
Current: 4.02
0.61
6.59
PFCF 12.48
WIBC's PFCF is ranked lower than
70% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. WIBC: 12.48 )
Ranked among companies with meaningful PFCF only.
WIBC' s PFCF Range Over the Past 10 Years
Min: 1.52  Med: 9.05 Max: 21.1
Current: 12.48
1.52
21.1
POCF 12.02
WIBC's POCF is ranked lower than
75% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. WIBC: 12.02 )
Ranked among companies with meaningful POCF only.
WIBC' s POCF Range Over the Past 10 Years
Min: 1.52  Med: 8.86 Max: 385
Current: 12.02
1.52
385
EV-to-EBIT 5.65
WIBC's EV-to-EBIT is ranked higher than
88% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. WIBC: 5.65 )
Ranked among companies with meaningful EV-to-EBIT only.
WIBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -236.9  Med: 9.80 Max: 93.7
Current: 5.65
-236.9
93.7
EV-to-EBITDA 5.39
WIBC's EV-to-EBITDA is ranked higher than
87% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. WIBC: 5.39 )
Ranked among companies with meaningful EV-to-EBITDA only.
WIBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7  Med: 9.60 Max: 464.6
Current: 5.39
-7
464.6
Shiller P/E 20.82
WIBC's Shiller P/E is ranked lower than
74% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. WIBC: 20.82 )
Ranked among companies with meaningful Shiller P/E only.
WIBC' s Shiller P/E Range Over the Past 10 Years
Min: 8.45  Med: 19.00 Max: 26.98
Current: 20.82
8.45
26.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.31
WIBC's Dividend Yield is ranked lower than
66% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. WIBC: 2.31 )
Ranked among companies with meaningful Dividend Yield only.
WIBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.28  Med: 1.68 Max: 5.48
Current: 2.31
0.28
5.48
Dividend Payout 0.27
WIBC's Dividend Payout is ranked higher than
63% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. WIBC: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
WIBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.20 Max: 0.71
Current: 0.27
0.11
0.71
Forward Dividend Yield 2.38
WIBC's Forward Dividend Yield is ranked lower than
69% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. WIBC: 2.38 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.31
WIBC's Yield on cost (5-Year) is ranked lower than
68% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. WIBC: 2.31 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WIBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.28  Med: 1.68 Max: 5.48
Current: 2.31
0.28
5.48
3-Year Average Share Buyback Ratio -12.20
WIBC's 3-Year Average Share Buyback Ratio is ranked lower than
80% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. WIBC: -12.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WIBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -34.7  Med: -1.80 Max: 0
Current: -12.2
-34.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.69
WIBC's Price/Tangible Book is ranked lower than
80% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. WIBC: 1.69 )
Ranked among companies with meaningful Price/Tangible Book only.
WIBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.79  Med: 1.80 Max: 5.55
Current: 1.69
0.79
5.55
Price/Projected FCF 0.95
WIBC's Price/Projected FCF is ranked lower than
75% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. WIBC: 0.95 )
Ranked among companies with meaningful Price/Projected FCF only.
WIBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.61 Max: 2.37
Current: 0.95
0.25
2.37
Price/Median PS Value 1.14
WIBC's Price/Median PS Value is ranked lower than
76% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. WIBC: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
WIBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.19  Med: 1.00 Max: 2.12
Current: 1.14
0.19
2.12
Price/Graham Number 0.97
WIBC's Price/Graham Number is ranked lower than
76% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. WIBC: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
WIBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 1.08 Max: 2.45
Current: 0.97
0.49
2.45
Earnings Yield (Greenblatt) (%) 17.70
WIBC's Earnings Yield (Greenblatt) (%) is ranked higher than
89% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. WIBC: 17.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WIBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 9.40 Max: 22.6
Current: 17.7
1.1
22.6
Forward Rate of Return (Yacktman) (%) -21.31
WIBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. WIBC: -21.31 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WIBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.8  Med: 9.60 Max: 43
Current: -21.31
-18.8
43

More Statistics

Revenue(Mil) $197
EPS $ 0.82
Beta1.40
Short Percentage of Float2.10%
52-Week Range $9.44 - 13.02
Shares Outstanding(Mil)78.60

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 213 236
EPS($) 0.86 0.96
EPS without NRI($) 0.86 0.96

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
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 

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