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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 5.34
FCBP's Cash-to-Debt is ranked higher than
63% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.10 vs. FCBP: 5.34 )
Ranked among companies with meaningful Cash-to-Debt only.
FCBP' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.13  Med: 5.08 Max: No Debt
Current: 5.34
1.13
No Debt
Equity-to-Asset 0.11
FCBP's Equity-to-Asset is ranked higher than
52% of the 1597 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.11 vs. FCBP: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
FCBP' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.12
Current: 0.11
0.09
0.12
Debt-to-Equity 0.19
FCBP's Debt-to-Equity is ranked higher than
79% of the 1226 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.63 vs. FCBP: 0.19 )
Ranked among companies with meaningful Debt-to-Equity only.
FCBP' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06  Med: 0.23 Max: 0.83
Current: 0.19
0.06
0.83
Debt-to-EBITDA 1.35
FCBP's Debt-to-EBITDA is ranked higher than
80% of the 1222 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.34 vs. FCBP: 1.35 )
Ranked among companies with meaningful Debt-to-EBITDA only.
FCBP' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.61  Med: 4.33 Max: 6.44
Current: 1.35
0.61
6.44
Interest Coverage 2.50
FCBP's Interest Coverage is ranked higher than
62% of the 1536 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.66 vs. FCBP: 2.50 )
Ranked among companies with meaningful Interest Coverage only.
FCBP' s Interest Coverage Range Over the Past 10 Years
Min: 1.32  Med: 1.6 Max: 2.5
Current: 2.5
1.32
2.5
WACC vs ROIC
5.66%
69.19%
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 % 39.24
FCBP's Operating Margin % is ranked higher than
67% of the 1613 Companies
in the Global Specialty Finance industry.

( Industry Median: 32.45 vs. FCBP: 39.24 )
Ranked among companies with meaningful Operating Margin % only.
FCBP' s Operating Margin % Range Over the Past 10 Years
Min: 24.86  Med: 30.2 Max: 39.26
Current: 39.24
24.86
39.26
Net Margin % 23.12
FCBP's Net Margin % is ranked higher than
53% of the 1612 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.18 vs. FCBP: 23.12 )
Ranked among companies with meaningful Net Margin % only.
FCBP' s Net Margin % Range Over the Past 10 Years
Min: 17.45  Med: 17.59 Max: 23.12
Current: 23.12
17.45
23.12
ROE % 8.53
FCBP's ROE % is ranked higher than
51% of the 1615 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.44 vs. FCBP: 8.53 )
Ranked among companies with meaningful ROE % only.
FCBP' s ROE % Range Over the Past 10 Years
Min: 7.25  Med: 8.4 Max: 9.18
Current: 8.53
7.25
9.18
ROA % 0.98
FCBP's ROA % is ranked higher than
59% of the 1617 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. FCBP: 0.98 )
Ranked among companies with meaningful ROA % only.
FCBP' s ROA % Range Over the Past 10 Years
Min: 0.61  Med: 0.76 Max: 0.99
Current: 0.98
0.61
0.99
GuruFocus has detected 3 Warning Signs with First Choice Bancorp FCBP.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FCBP's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Specialty Finance    NAICS: 522310    SIC: 6162
Compare:HKSE:01290, SGX:S35, WAR:BST, HKSE:08030, TSE:8772, ASX:HOM, AMEX:IMH, PHS:BLFI, ISX:CARS, NAS:MMAC, JSE:FGL, XKLS:9296, HKSE:00068, COL:LFIN.N0000, TSE:7196, HKSE:00372, XPAR:LD, TSX:FC, TSX:SCB, HKSE:01319 » details
Headquarter Location:USA
First Choice Bancorp is engaged in providing loans to consumers and commercial clients to small businesses. It mainly offers Commercial and Industrial loans, residential mortgage loans and commercial real estate loans.

First Choice Bancorp, formerly known as First Choice Bank is an American bank holding company. It is engaged in providing loans to consumers and commercial clients which include small businesses and individuals. The company mainly offers commercial and industrial loans, residential mortgage loans and commercial real estate loans generating interest income constituting the majority of company revenues.

Ratios

vs
industry
vs
history
PE Ratio 21.28
FCBP's PE Ratio is ranked lower than
74% of the 1487 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.21 vs. FCBP: 21.28 )
Ranked among companies with meaningful PE Ratio only.
FCBP' s PE Ratio Range Over the Past 10 Years
Min: 9.97  Med: 16.31 Max: 21.39
Current: 21.28
9.97
21.39
PE Ratio without NRI 21.28
FCBP's PE Ratio without NRI is ranked lower than
74% of the 1489 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.35 vs. FCBP: 21.28 )
Ranked among companies with meaningful PE Ratio without NRI only.
FCBP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.01  Med: 16.32 Max: 21.39
Current: 21.28
10.01
21.39
PB Ratio 1.77
FCBP's PB Ratio is ranked lower than
80% of the 1594 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. FCBP: 1.77 )
Ranked among companies with meaningful PB Ratio only.
FCBP' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.16 Max: 1.78
Current: 1.77
0.8
1.78
PS Ratio 4.94
FCBP's PS Ratio is ranked lower than
75% of the 1564 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.50 vs. FCBP: 4.94 )
Ranked among companies with meaningful PS Ratio only.
FCBP' s PS Ratio Range Over the Past 10 Years
Min: 2.84  Med: 4.07 Max: 6.86
Current: 4.94
2.84
6.86
EV-to-EBIT 6.64
FCBP's EV-to-EBIT is ranked higher than
75% of the 1223 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.91 vs. FCBP: 6.64 )
Ranked among companies with meaningful EV-to-EBIT only.
FCBP' s EV-to-EBIT Range Over the Past 10 Years
Min: -1  Med: 4 Max: 15.6
Current: 6.64
-1
15.6
EV-to-EBITDA 6.64
FCBP's EV-to-EBITDA is ranked higher than
72% of the 1230 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.76 vs. FCBP: 6.64 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCBP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1  Med: 4 Max: 15.6
Current: 6.64
-1
15.6
EV-to-Revenue 2.61
FCBP's EV-to-Revenue is ranked higher than
70% of the 1256 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.15 vs. FCBP: 2.61 )
Ranked among companies with meaningful EV-to-Revenue only.
FCBP' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.3  Med: 1.5 Max: 4
Current: 2.61
-0.3
4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.11
FCBP's Dividend Yield % is ranked higher than
62% of the 2424 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.55 vs. FCBP: 3.11 )
Ranked among companies with meaningful Dividend Yield % only.
FCBP' s Dividend Yield % Range Over the Past 10 Years
Min: 0.89  Med: 1.77 Max: 3.13
Current: 3.11
0.89
3.13
Dividend Payout Ratio 0.50
FCBP's Dividend Payout Ratio is ranked lower than
75% of the 1391 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.33 vs. FCBP: 0.50 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FCBP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.22 Max: 0.5
Current: 0.5
0.22
0.5
Forward Dividend Yield % 3.11
FCBP's Forward Dividend Yield % is ranked higher than
57% of the 2371 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.77 vs. FCBP: 3.11 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.11
FCBP's 5-Year Yield-on-Cost % is ranked lower than
53% of the 2780 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.30 vs. FCBP: 3.11 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FCBP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.89  Med: 1.77 Max: 3.13
Current: 3.11
0.89
3.13

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.77
FCBP's Price-to-Tangible-Book is ranked lower than
71% of the 1587 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.31 vs. FCBP: 1.77 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FCBP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.93  Med: 1.17 Max: 1.78
Current: 1.77
0.93
1.78
Price-to-Median-PS-Value 1.21
FCBP's Price-to-Median-PS-Value is ranked lower than
56% of the 1414 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.16 vs. FCBP: 1.21 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FCBP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.71  Med: 0.9 Max: 1.69
Current: 1.21
0.71
1.69
Price-to-Graham-Number 1.29
FCBP's Price-to-Graham-Number is ranked lower than
75% of the 1391 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.97 vs. FCBP: 1.29 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FCBP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.72  Med: 0.89 Max: 1.3
Current: 1.29
0.72
1.3
Earnings Yield (Greenblatt) % 15.05
FCBP's Earnings Yield (Greenblatt) % is ranked higher than
81% of the 1618 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.69 vs. FCBP: 15.05 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FCBP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2316.5  Med: 16.8 Max: 3123
Current: 15.05
-2316.5
3123

More Statistics

Revenue (TTM) (Mil) $37.85
EPS (TTM) $ 1.21
Beta0.16
Short Percentage of Float0.00%
52-Week Range $20.20 - 26.40
Shares Outstanding (Mil)7.21

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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