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First Choice Bancorp (FCBP)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 25 | 30 | 33 | 50 | 72 | 86 | 93 |
| Operating profit | $m | 41 | 36 | |||||
| Net profit | $m | 5 | 8 | 7 | 15 | 28 | 29 | 34 |
| EPS reported | $ | 2.47 | 2.92 | |||||
| Operating cashflow per share | $ | 2.38 | 2.38 | |||||
| Capex per share | $ | 0.11 | 0.11 | |||||
| FCF per share | $ | 2.27 | 2.27 | |||||
| Free cash flow | $m | 27 | 27 | |||||
| Net debt | $m | -131 | -157 | |||||
| Book value equity | $m | 281 | 287 | |||||
| Book value per share | $ | 23.98 | 24.62 | |||||
| Number of shares | m | 11.71 | 11.67 | |||||
| DPS (TTM paid) | $ | 1.00 | 1.00 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 7.49 | - | |||||
| P/B LTM | x | 0.77 | 12.18 | |||||
| P/S LTM | x | 2.53 | 37.65 | |||||
| P/FCF LTM | x | 8.13 | 131.72 | |||||
| EV/EBITDA LTM | x | 2.56 | 59.92 | |||||
| EV/Sales LTM | x | 1.37 | 35.96 | |||||
| Earnings Yield LTM | % | 13.35% | 8.50% | |||||
| FCF Yield | % | 12.30% | 0.76% | |||||
| Quality | ||||||||
| ROE | % | 10.31% | 10.67% | |||||
| ROIC | % | 16.56% | 16.56% | |||||
| Operating margin | % | 44.30% | 44.30% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 28.78% | 28.78% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +3.78% | +34.56% | |||||
| Sales Growth YoY | % | +18.73% | +29.94% | |||||
| Net Income Growth YoY | % | +3.96% | +34.57% | |||||
| FCF Growth | % | -55.27% | -39.17% | |||||
| Operating Profit Growth | % | -21.22% | -24.45% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 5.41% | 3.44% | |||||
| Dividend Growth | % | +17.65% | - | |||||
| Payout Ratio | % | 40.41% | 34.35% | |||||
| FCF/Debt | x | 0.18 | 0.14 | |||||
| Net Debt/EBITDA | x | -1.80 | -1.80 | |||||
| EBIT/Net interest | x | 5.96 | 5.96 | |||||
| Net debt/market cap | % | -60.71% | -4.48% | |||||
| Net debt/Equity | x | -0.47 | -0.55 | |||||
| Gross debt/equity | x | 0.52 | 0.66 | |||||
Company overview
First Choice Bancorp, headquartered in Cerritos, California, operates as a holding entity with a team of 177 full-time employees. Its primary function is to deliver a range of financial services and solutions through its subsidiary, First Choice Bank. This state-chartered bank extends retail, personal, and commercial banking services to individuals, families, and businesses throughout Southern California. First Choice Bank maintains an operational presence through eleven full-service branch offices, located in Cerritos, Alhambra, Rowland Heights, Anaheim, and Carlsbad, California, complemented by two dedicated loan production offices situated in Temecula and El Segundo (Manhattan Beach), California. The Bank's extensive product portfolio includes various lending options, such as construction and land development loans, residential and commercial real estate financing, commercial and industrial loans, and Small Business Administration (SBA) loans. For deposits, it offers time certificates of deposit and diverse savings accounts. Additionally, the Bank provides its deposit customers with a comprehensive suite of treasury management products and services.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Choice Bancorp (FCBP)
First Choice Bancorp, headquartered in Cerritos, California, operates as a holding entity with a team of 177 full-time employees. Its primary function is to deliver a range of financial services and solutions through its subsidiary, First Choice Bank. This state-chartered bank extends retail, personal, and commercial banking services to individuals, families, and businesses throughout Southern California. First Choice Bank maintains an operational presence through eleven full-service branch offices, located in Cerritos, Alhambra, Rowland Heights, Anaheim, and Carlsbad, California, complemented by two dedicated loan production offices situated in Temecula and El Segundo (Manhattan Beach), California. The Bank's extensive product portfolio includes various lending options, such as construction and land development loans, residential and commercial real estate financing, commercial and industrial loans, and Small Business Administration (SBA) loans. For deposits, it offers time certificates of deposit and diverse savings accounts. Additionally, the Bank provides its deposit customers with a comprehensive suite of treasury management products and services.
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