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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 3.97
WIBC's Cash to Debt is ranked higher than
61% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. WIBC: 3.97 )
Ranked among companies with meaningful Cash to Debt only.
WIBC' s 10-Year Cash to Debt Range
Min: 0.14  Med: 0.68 Max: No Debt
Current: 3.97
Equity to Asset 0.11
WIBC's Equity to Asset is ranked higher than
60% of the 1355 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.11
0.06
0.13
Interest Coverage 4.91
WIBC's Interest Coverage is ranked higher than
80% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 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: 3
WACC vs ROIC
12.21%
16.23%
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 (%) 51.47
WIBC's Operating margin (%) is ranked higher than
87% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. WIBC: 51.47 )
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: 51.47
-45.81
68.65
Net-margin (%) 33.66
WIBC's Net-margin (%) is ranked higher than
79% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. WIBC: 33.66 )
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: 33.66
-23.23
72.03
ROE (%) 13.34
WIBC's ROE (%) is ranked higher than
77% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. WIBC: 13.34 )
Ranked among companies with meaningful ROE (%) only.
WIBC' s 10-Year ROE (%) Range
Min: -15.5  Med: 16.68 Max: 28.74
Current: 13.34
-15.5
28.74
ROA (%) 1.57
WIBC's ROA (%) is ranked higher than
82% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. WIBC: 1.57 )
Ranked among companies with meaningful ROA (%) only.
WIBC' s 10-Year ROA (%) Range
Min: -1.09  Med: 1.45 Max: 3.39
Current: 1.57
-1.09
3.39
Revenue Growth (3Y)(%) 0.40
WIBC's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1215 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 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 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 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

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
Q2 2015

WIBC Guru Trades in Q2 2015

Jim Simons 2,001,800 sh (+9.65%)
Paul Tudor Jones 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) 12.77
WIBC's P/E(ttm) is ranked higher than
54% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. WIBC: 12.77 )
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: 12.77
4.26
40.28
Forward P/E 11.43
WIBC's Forward P/E is ranked higher than
56% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. WIBC: 11.43 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.60
WIBC's PE(NRI) is ranked higher than
53% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. WIBC: 12.60 )
Ranked among companies with meaningful PE(NRI) only.
WIBC' s 10-Year PE(NRI) Range
Min: 4.27  Med: 13.48 Max: 39.83
Current: 12.6
4.27
39.83
P/B 1.62
WIBC's P/B is ranked lower than
83% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. WIBC: 1.62 )
Ranked among companies with meaningful P/B only.
WIBC' s 10-Year P/B Range
Min: 0.54  Med: 1.57 Max: 5.72
Current: 1.62
0.54
5.72
P/S 4.33
WIBC's P/S is ranked lower than
75% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. WIBC: 4.33 )
Ranked among companies with meaningful P/S only.
WIBC' s 10-Year P/S Range
Min: 0.61  Med: 3.55 Max: 8.25
Current: 4.33
0.61
8.25
PFCF 15.71
WIBC's PFCF is ranked lower than
70% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. WIBC: 15.71 )
Ranked among companies with meaningful PFCF only.
WIBC' s 10-Year PFCF Range
Min: 1.57  Med: 9.05 Max: 24.33
Current: 15.71
1.57
24.33
POCF 15.26
WIBC's POCF is ranked lower than
77% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. WIBC: 15.26 )
Ranked among companies with meaningful POCF only.
WIBC' s 10-Year POCF Range
Min: 1.57  Med: 8.89 Max: 385
Current: 15.26
1.57
385
EV-to-EBIT 4.76
WIBC's EV-to-EBIT is ranked higher than
92% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. WIBC: 4.76 )
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: 4.76
-236.9
115.6
Shiller P/E 284.60
WIBC's Shiller P/E is ranked lower than
100% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. WIBC: 284.60 )
Ranked among companies with meaningful Shiller P/E only.
WIBC' s 10-Year Shiller P/E Range
Min: 4.15  Med: 19.50 Max: 323.75
Current: 284.6
4.15
323.75
Days Sales Outstanding 16.22
WIBC's Days Sales Outstanding is ranked higher than
84% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. WIBC: 16.22 )
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: 16.22
17.18
35.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.97
WIBC's Dividend Yield is ranked lower than
67% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. WIBC: 1.97 )
Ranked among companies with meaningful Dividend Yield only.
WIBC' s 10-Year Dividend Yield Range
Min: 0.28  Med: 1.62 Max: 5.48
Current: 1.97
0.28
5.48
Dividend Payout 0.25
WIBC's Dividend Payout is ranked higher than
66% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. WIBC: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
WIBC' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.21 Max: 0.71
Current: 0.25
0.11
0.71
Yield on cost (5-Year) 1.96
WIBC's Yield on cost (5-Year) is ranked lower than
70% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. WIBC: 1.96 )
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: 1.62 Max: 5.48
Current: 1.96
0.28
5.48
Share Buyback Rate -12.20
WIBC's Share Buyback Rate is ranked lower than
80% of the 1013 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 1.89
WIBC's Price/Tangible Book is ranked lower than
83% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. WIBC: 1.89 )
Ranked among companies with meaningful Price/Tangible Book only.
WIBC' s 10-Year Price/Tangible Book Range
Min: 0.79  Med: 1.80 Max: 5.55
Current: 1.89
0.79
5.55
Price/Projected FCF 1.04
WIBC's Price/Projected FCF is ranked lower than
79% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. WIBC: 1.04 )
Ranked among companies with meaningful Price/Projected FCF only.
WIBC' s 10-Year Price/Projected FCF Range
Min: 0.25  Med: 0.60 Max: 1.32
Current: 1.04
0.25
1.32
Price/Median PS Value 1.22
WIBC's Price/Median PS Value is ranked lower than
68% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. WIBC: 1.22 )
Ranked among companies with meaningful Price/Median PS Value only.
WIBC' s 10-Year Price/Median PS Value Range
Min: 0.19  Med: 0.99 Max: 2.11
Current: 1.22
0.19
2.11
Price/Graham Number 1.04
WIBC's Price/Graham Number is ranked lower than
68% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. WIBC: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
WIBC' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 1.05 Max: 2.43
Current: 1.04
0.41
2.43
Earnings Yield (Greenblatt) (%) 20.91
WIBC's Earnings Yield (Greenblatt) (%) is ranked higher than
93% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. WIBC: 20.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WIBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 8.90 Max: 22.6
Current: 20.91
0.9
22.6
Forward Rate of Return (Yacktman) (%) -24.46
WIBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
94% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. WIBC: -24.46 )
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: -24.46
-21.7
43.1

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 203 225
EPS($) 0.86 0.94
EPS without NRI($) 0.86 0.94

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 

More From Other Websites
WILSHIRE BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 31 2015
Wilshire Bancorp Declares $0.06 Cash Dividend Aug 31 2015
Wilshire Bancorp Declares $0.06 Cash Dividend Aug 31 2015
Wilshire Bancorp, Inc. Earnings Q2*, 2015 Aug 18 2015
WILSHIRE BANCORP INC Financials Aug 08 2015
WILSHIRE BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 03 2015
Mortgages And Rates Can Drive Growth, But Wilshire Bancorp Has Had A Good Run Jul 24 2015
Wilshire Bancorp downgraded by Sandler O'Neill Jul 22 2015
Edited Transcript of WIBC earnings conference call or presentation 21-Jul-15 6:00pm GMT Jul 21 2015
Wilshire Bancorp Inc Earnings Call scheduled for 2:00 pm ET today Jul 21 2015
Wilshire Bancorp Reports Net Income of $15.6 Million or $0.20 Per Share for Second Quarter 2015 Jul 20 2015
Wilshire misses Street 2Q forecasts Jul 20 2015
Wilshire misses Street 2Q forecasts Jul 20 2015
Wilshire Bancorp Reports Net Income of $15.6 Million or $0.20 Per Share for Second Quarter 2015 Jul 20 2015
Q2 2015 Wilshire Bancorp Inc Earnings Release - After Market Close Jul 20 2015
Wilshire Bancorp, Inc. Announces Second Quarter 2015 Earnings Conference Call Jul 07 2015
Wilshire Bancorp, Inc. Announces Second Quarter 2015 Earnings Conference Call Jul 07 2015
WILSHIRE BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 29 2015
Wilshire Bancorp Increases Quarterly Cash Dividend 20% to $0.06 Per Share May 29 2015
WILSHIRE BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 28 2015

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