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Pacific Mercantile (PMBC) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:PMBC -

9.4
-0.11 (-1.16%)
Last: 10/18/2021, 8:12:58 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to PMBC. PMBC was compared to 387 industry peers in the Banks industry. PMBC may be in some trouble as it scores bad on both profitability and health. PMBC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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

The Operating Margin and Gross Margin are not available for PMBC so they could not be analyzed.
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

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 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

The Earnings Per Share has grown by an impressive 857.14% over the past year.
Measured over the past years, PMBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.96% on average per year.
PMBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.54%.
PMBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.00% yearly.
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

Based on estimates for the next years, PMBC will show a very strong growth in Earnings Per Share. The EPS will grow by 29.96% on average per year.
PMBC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.18% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PMBC Yearly Revenue VS EstimatesPMBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
PMBC Yearly EPS VS EstimatesPMBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0.5 -0.5 -1 -1.5

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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.
Compared to an average S&P500 Price/Earnings ratio of 26.31, PMBC is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 56.52, the valuation of PMBC can be described as expensive.
The average S&P500 Price/Forward Earnings ratio is at 36.59. PMBC is valued rather expensively when compared to this.
Industry RankSector Rank
PE 14.03
Fwd PE 56.52
PMBC Price Earnings VS Forward Price EarningsPMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PMBC Per share dataPMBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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

No dividends for PMBC!.
Industry RankSector Rank
Dividend Yield N/A

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Pacific Mercantile

NASDAQ:PMBC (10/18/2021, 8:12:58 PM)

9.4

-0.11 (-1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.17%
Inst Owner Change-98.64%
Ins Owners6.37%
Ins Owner Change0%
Market Cap210.79M
Revenue(TTM)60.30M
Net Income(TTM)16.07M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.03
Fwd PE 56.52
P/S 3.5
P/FCF N/A
P/OCF N/A
P/B 1.27
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.67
EY7.13%
EPS(NY)0.17
Fwd EY1.77%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.69
BVpS7.42
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 9.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.65%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)857.14%
EPS 3Y-8.04%
EPS 5Y-7.96%
EPS Q2Q%87.5%
EPS Next Y-34.55%
EPS Next 2Y-31.07%
EPS Next 3Y41.82%
EPS Next 5Y29.96%
Revenue 1Y (TTM)9.54%
Revenue growth 3Y6.62%
Revenue growth 5Y10%
Sales Q2Q%0.53%
Revenue Next Year2.96%
Revenue Next 2Y3.99%
Revenue Next 3Y-1.34%
Revenue Next 5Y-1.18%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/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.


What is the valuation status for PMBC stock?

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.


How financially healthy is Pacific Mercantile?

The financial health rating of Pacific Mercantile (PMBC) is 3 / 10.


Is the dividend of Pacific Mercantile sustainable?

The dividend rating of Pacific Mercantile (PMBC) is 0 / 10 and the dividend payout ratio is 0%.