Pacific Mercantile (PMBC)

9.4  -0.11 (-1.16%)

Fundamental Rating

2

PMBC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. PMBC may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PMBC is valued expensive at the moment.



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0

1. Profitability

1.1 Basic Checks

In the past year PMBC was profitable.

1.2 Ratios

Industry RankSector Rank
ROA 1.05%
ROE 9.66%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

PMBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

There is no outstanding debt for PMBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

PMBC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

PMBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 857.14%, which is quite impressive.
PMBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.96% yearly.
The Revenue has grown by 9.54% in the past year. This is quite good.
Measured over the past years, PMBC shows a quite strong growth in Revenue. The Revenue has been growing by 10.00% on average per year.
EPS 1Y (TTM)857.14%
EPS 3Y-8.04%
EPS 5Y-7.96%
EPS growth Q2Q87.5%
Revenue 1Y (TTM)9.54%
Revenue growth 3Y6.62%
Revenue growth 5Y10%
Revenue growth Q2Q0.53%

3.2 Future

The Earnings Per Share is expected to grow by 29.96% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -1.18% on average over the next years.
EPS Next Y-34.55%
EPS Next 2Y-31.07%
EPS Next 3Y41.82%
EPS Next 5Y29.96%
Revenue Next Year2.96%
Revenue Next 2Y3.99%
Revenue Next 3Y-1.34%
Revenue Next 5Y-1.18%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.03, which indicates a correct valuation of PMBC.
When comparing the Price/Earnings ratio of PMBC to the average of the S&P500 Index (28.15), we can say PMBC is valued rather cheaply.
The Price/Forward Earnings ratio is 56.52, which means the current valuation is very expensive for PMBC.
The average S&P500 Price/Forward Earnings ratio is at 20.20. PMBC is valued rather expensively when compared to this.
Industry RankSector Rank
PE 14.03
Fwd PE 56.52

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PMBC's earnings are expected to grow with 41.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-31.07%
EPS Next 3Y41.82%

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0

5. Dividend

5.1 Amount

PMBC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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Pacific Mercantile

NASDAQ:PMBC (10/18/2021, 7:12:58 PM)

9.4

-0.11 (-1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap210.79M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 14.03
Fwd PE 56.52
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 9.66%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 26.65%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)857.14%
EPS 3Y-8.04%
EPS 5Y
EPS growth Q2Q
EPS Next Y-34.55%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.54%
Revenue growth 3Y6.62%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y