Pacific Mercantile (PMBC)

9.4  -0.11 (-1.16%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to PMBC. PMBC was compared to 405 industry peers in the Banks industry. PMBC has a bad profitability rating. Also its financial health evaluation is rather negative. PMBC is valied quite expensively at the moment, while it does show a decent growth rate.



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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

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

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.
The Earnings Per Share has been decreasing by -7.96% on average over the past years.
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

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.
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.
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.

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2

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.
PMBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.29.
PMBC is valuated quite expensively with a Price/Forward Earnings ratio of 56.52.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.01, PMBC is valued quite expensively.
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

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)
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)
High Growth Momentum
Growth
EPS 1Y (TTM)857.14%
EPS 3Y-8.04%
EPS 5Y
EPS 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
Sales 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