9.4
-0.11 (-1.16%)
PMBC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. PMBC has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, PMBC is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- PMBC had positive earnings in the past year.
1.2 Ratios
| Industry Rank | Sector 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
- The Operating Margin and Gross Margin are not available for PMBC so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- PMBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- A Debt/Equity ratio of 0.11 indicates that PMBC is not too dependend on debt financing.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- The Revenue has been growing by 10.00% on average over the past years. This is quite good.
EPS 1Y (TTM)857.14%
EPS 3Y-8.04%
EPS 5Y-7.96%
EPS Q2Q%87.5%
Revenue 1Y (TTM)9.54%
Revenue growth 3Y6.62%
Revenue growth 5Y10%
Sales Q2Q%0.53%
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
- Based on estimates for the next years, PMBC will show a decrease in Revenue. The Revenue will decrease by -1.18% on average per year.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 14.03, the valuation of PMBC can be described as correct.
- Compared to an average S&P500 Price/Earnings ratio of 28.60, PMBC is valued rather cheaply.
- PMBC is valuated quite expensively with a Price/Forward Earnings ratio of 56.52.
- PMBC is valuated expensively when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.03 | ||
| Fwd PE | 56.52 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A more expensive valuation may be justified as PMBC's earnings are expected to grow with 41.82% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-31.07%
EPS Next 3Y41.82%
5. Dividend
5.1 Amount
- PMBC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Pacific Mercantile / PMBC FAQ
What is the ChartMill fundamental rating of Pacific Mercantile (PMBC) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PMBC.
Can you provide the valuation status for Pacific Mercantile?
ChartMill assigns a valuation rating of 2 / 10 to Pacific Mercantile (PMBC). This can be considered as Overvalued.
Can you provide the profitability details for Pacific Mercantile?
Pacific Mercantile (PMBC) has a profitability rating of 2 / 10.
What are the PE and PB ratios of Pacific Mercantile (PMBC) stock?
The Price/Earnings (PE) ratio for Pacific Mercantile (PMBC) is 14.03 and the Price/Book (PB) ratio is 1.27.
Can you provide the expected EPS growth for PMBC stock?
The Earnings per Share (EPS) of Pacific Mercantile (PMBC) is expected to decline by -34.55% in the next year.