Pacific Mercantile Bancorp Logo

Pacific Mercantile Bancorp

PMBC

(1.8)
Stock Price

9,40 USD

2.91% ROA

5.42% ROE

26.52x PER

Market Cap.

0,00 USD

17.34% DER

0% Yield

14.44% NPM

Pacific Mercantile Bancorp Stock Analysis

Pacific Mercantile Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Pacific Mercantile Bancorp Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

2 ROE

ROE in an average range (5.42%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (2.91%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.39x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

6 Buffet Intrinsic Value

The company's stock seems undervalued (100) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (900%), making it financially unstable and potentially risky for investors.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Pacific Mercantile Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Pacific Mercantile Bancorp Technical Stock Analysis
# Analysis Recommendation

Pacific Mercantile Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Pacific Mercantile Bancorp Revenue
Year Revenue Growth
1999 1.351.700
2000 7.073.300 80.89%
2001 11.997.400 41.04%
2002 18.487.000 35.1%
2003 22.196.000 16.71%
2004 27.425.000 19.07%
2005 30.374.000 9.71%
2006 33.648.000 9.73%
2007 33.114.000 -1.61%
2008 29.719.000 -11.42%
2009 27.408.000 -8.43%
2010 39.895.000 31.3%
2011 41.589.000 4.07%
2012 59.102.000 29.63%
2013 32.890.000 -79.7%
2014 36.299.000 9.39%
2015 35.800.000 -1.39%
2016 38.085.000 6%
2017 47.660.000 20.09%
2018 52.788.000 9.71%
2019 54.505.000 3.15%
2020 57.727.000 5.58%
2021 58.204.000 0.82%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Pacific Mercantile Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Pacific Mercantile Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 1.836.500
2000 3.638 -50381.03%
2001 4.699.800 99.92%
2002 7.771.000 39.52%
2003 9.899.000 21.5%
2004 9.808.000 -0.93%
2005 9.826.000 0.18%
2006 0 0%
2007 11.907.000 100%
2008 12.767.000 6.74%
2009 19.413.000 34.23%
2010 20.091.000 3.37%
2011 19.967.000 -0.62%
2012 29.174.000 31.56%
2013 22.936.000 -27.2%
2014 25.584.000 10.35%
2015 25.116.000 -1.86%
2016 25.124.000 0.03%
2017 26.479.000 5.12%
2018 27.551.000 3.89%
2019 27.070.000 -1.78%
2020 26.826.000 -0.91%
2021 25.272.000 -6.15%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Pacific Mercantile Bancorp EBITDA
Year EBITDA Growth
1999 -1.667.500
2000 3.996.700 141.72%
2001 5.499.500 27.33%
2002 10.731.000 48.75%
2003 18.997.000 43.51%
2004 23.423.000 18.9%
2005 29.734.000 21.22%
2006 44.686.000 33.46%
2007 49.217.000 9.21%
2008 19.769.000 -148.96%
2009 734.000 -2593.32%
2010 13.589.000 94.6%
2011 16.797.000 19.1%
2012 15.739.000 -6.72%
2013 -10.753.000 246.37%
2014 6.040.000 278.03%
2015 6.684.000 9.63%
2016 -11.849.000 156.41%
2017 18.617.000 163.65%
2018 30.612.000 39.18%
2019 24.355.000 -25.69%
2020 21.411.000 -13.75%
2021 25.132.000 14.81%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Pacific Mercantile Bancorp Gross Profit
Year Gross Profit Growth
1999 1.351.700
2000 7.073.300 80.89%
2001 11.997.400 41.04%
2002 18.487.000 35.1%
2003 22.196.000 16.71%
2004 27.425.000 19.07%
2005 30.374.000 9.71%
2006 33.648.000 9.73%
2007 33.114.000 -1.61%
2008 29.719.000 -11.42%
2009 27.408.000 -8.43%
2010 39.895.000 31.3%
2011 41.589.000 4.07%
2012 59.102.000 29.63%
2013 32.890.000 -79.7%
2014 36.299.000 9.39%
2015 35.800.000 -1.39%
2016 38.085.000 6%
2017 47.660.000 20.09%
2018 52.788.000 9.71%
2019 54.505.000 3.15%
2020 57.727.000 5.58%
2021 58.204.000 0.82%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Pacific Mercantile Bancorp Net Profit
Year Net Profit Growth
1999 -2.750.200
2000 126.700 2270.64%
2001 1.824.600 93.06%
2002 1.516.000 -20.36%
2003 2.082.000 27.19%
2004 4.863.000 57.19%
2005 5.724.000 15.04%
2006 6.932.000 17.43%
2007 5.770.000 -20.14%
2008 -11.966.000 148.22%
2009 -17.308.000 30.86%
2010 -13.954.000 -24.04%
2011 11.632.000 219.96%
2012 9.654.000 -20.49%
2013 -22.216.000 143.46%
2014 357.000 6322.97%
2015 12.441.000 97.13%
2016 -34.643.000 135.91%
2017 10.449.000 431.54%
2018 27.339.000 61.78%
2019 5.680.000 -381.32%
2020 8.334.000 31.85%
2021 15.576.000 46.49%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Pacific Mercantile Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 -1
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 -1 100%
2009 -2 0%
2010 -1 0%
2011 1 200%
2012 1 0%
2013 -1 100%
2014 0 0%
2015 1 0%
2016 -2 100%
2017 0 0%
2018 1 100%
2019 0 0%
2020 0 0%
2021 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Pacific Mercantile Bancorp Free Cashflow
Year Free Cashflow Growth
1999 -2.874.100
2000 -8.527.300 66.3%
2001 -51.867.100 83.56%
2002 6.925.000 848.98%
2003 42.972.000 83.88%
2004 -16.778.000 356.12%
2005 50.805.000 133.02%
2006 7.547.000 -573.18%
2007 7.938.000 4.93%
2008 5.230.000 -51.78%
2009 -10.447.000 150.06%
2010 -12.237.000 14.63%
2011 -23.051.000 46.91%
2012 22.870.000 200.79%
2013 45.989.000 50.27%
2014 24.045.000 -91.26%
2015 3.109.000 -673.4%
2016 5.103.000 39.08%
2017 10.318.000 50.54%
2018 18.091.000 42.97%
2019 18.128.000 0.2%
2020 9.877.000 -83.54%
2021 -1.602.000 716.54%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Pacific Mercantile Bancorp Operating Cashflow
Year Operating Cashflow Growth
1999 -1.636.200
2000 -7.937.800 79.39%
2001 -50.079.500 84.15%
2002 8.278.000 704.97%
2003 43.995.000 81.18%
2004 -15.849.000 377.59%
2005 51.483.000 130.78%
2006 8.063.000 -538.51%
2007 8.163.000 1.23%
2008 5.361.000 -52.27%
2009 -9.766.000 154.89%
2010 -12.127.000 19.47%
2011 -36.952.000 67.18%
2012 10.356.000 456.82%
2013 35.584.000 70.9%
2014 8.776.000 -305.47%
2015 1.928.000 -355.19%
2016 4.346.000 55.64%
2017 10.583.000 58.93%
2018 17.264.000 38.7%
2019 17.021.000 -1.43%
2020 10.179.000 -67.22%
2021 -1.602.000 735.39%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Pacific Mercantile Bancorp Capital Expenditure
Year Capital Expenditure Growth
1999 1.237.900
2000 589.500 -109.99%
2001 1.787.600 67.02%
2002 1.353.000 -32.12%
2003 1.023.000 -32.26%
2004 929.000 -10.12%
2005 678.000 -37.02%
2006 516.000 -31.4%
2007 225.000 -129.33%
2008 131.000 -71.76%
2009 681.000 80.76%
2010 110.000 -519.09%
2011 -13.901.000 100.79%
2012 -12.514.000 -11.08%
2013 -10.405.000 -20.27%
2014 -15.269.000 31.86%
2015 -1.181.000 -1192.89%
2016 -757.000 -56.01%
2017 265.000 385.66%
2018 -827.000 132.04%
2019 -1.107.000 25.29%
2020 302.000 466.56%
2021 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Pacific Mercantile Bancorp Equity
Year Equity Growth
1999 16.018.400
2000 34.688.600 53.82%
2001 36.678.100 5.42%
2002 38.969.000 5.88%
2003 70.170.000 44.46%
2004 74.976.000 6.41%
2005 78.517.000 4.51%
2006 87.926.000 10.7%
2007 96.862.000 9.23%
2008 84.232.000 -14.99%
2009 74.472.000 -13.11%
2010 63.416.000 -17.43%
2011 86.625.000 26.79%
2012 122.876.000 29.5%
2013 115.158.000 -6.7%
2014 119.281.000 3.46%
2015 133.916.000 10.93%
2016 99.719.000 -34.29%
2017 112.876.000 11.66%
2018 141.374.000 20.16%
2019 149.048.000 5.15%
2020 158.749.000 6.11%
2021 166.449.000 4.63%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Pacific Mercantile Bancorp Assets
Year Assets Growth
1999 91.165.400
2000 162.616.900 43.94%
2001 266.434.000 38.97%
2002 573.935.000 53.58%
2003 723.962.000 20.72%
2004 845.539.000 14.38%
2005 981.156.000 13.82%
2006 1.042.529.000 5.89%
2007 1.077.023.000 3.2%
2008 1.164.059.000 7.48%
2009 1.200.636.000 3.05%
2010 1.015.870.000 -18.19%
2011 874.138.000 -16.21%
2012 965.321.000 9.45%
2013 928.577.000 -3.96%
2014 1.036.248.000 10.39%
2015 1.007.874.000 -2.82%
2016 1.094.507.000 7.92%
2017 1.278.994.000 14.42%
2018 1.314.104.000 2.67%
2019 1.180.986.000 -11.27%
2020 286.658.000 -311.98%
2021 26.876.000 -966.59%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Pacific Mercantile Bancorp Liabilities
Year Liabilities Growth
1999 75.147.000
2000 127.928.300 41.26%
2001 229.755.900 44.32%
2002 534.966.000 57.05%
2003 653.792.000 18.17%
2004 770.563.000 15.15%
2005 902.639.000 14.63%
2006 954.603.000 5.44%
2007 980.161.000 2.61%
2008 1.079.827.000 9.23%
2009 1.126.164.000 4.11%
2010 952.454.000 -18.24%
2011 937.927.000 -1.55%
2012 931.065.000 -0.74%
2013 881.425.000 -5.63%
2014 980.329.000 10.09%
2015 928.473.000 -5.59%
2016 1.040.970.000 10.81%
2017 1.209.728.000 13.95%
2018 1.207.964.000 -0.15%
2019 1.267.106.000 4.67%
2020 1.428.841.000 11.32%
2021 1.368.029.000 -4.45%

Pacific Mercantile Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.45
Net Income per Share
0.35
Price to Earning Ratio
26.52x
Price To Sales Ratio
0x
POCF Ratio
21.72
PFCF Ratio
0
Price to Book Ratio
1.39
EV to Sales
-4.51
EV Over EBITDA
-12.16
EV to Operating CashFlow
-25.58
EV to FreeCashFlow
-26.36
Earnings Yield
0.04
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
-0,26 Bil.
Graham Number
7.34
Graham NetNet
-46.54

Income Statement Metrics

Net Income per Share
0.35
Income Quality
1.22
ROE
0.05
Return On Assets
0.03
Return On Capital Employed
0.04
Net Income per EBT
0.67
EBT Per Ebit
1
Ebit per Revenue
0.22
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0.46
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.22
Pretax Profit Margin
0.22
Net Profit Margin
0.14

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.43
Free CashFlow per Share
0.42
Capex to Operating CashFlow
-0.03
Capex to Revenue
-0.01
Capex to Depreciation
-0.81
Return on Invested Capital
0.04
Return on Tangible Assets
0.03
Days Sales Outstanding
35.83
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
10.19
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.01

Balance Sheet

Cash per Share
14,04
Book Value per Share
6,75
Tangible Book Value per Share
-48.57
Shareholders Equity per Share
6.75
Interest Debt per Share
1.54
Debt to Equity
0.17
Debt to Assets
0.1
Net Debt to EBITDA
-12.16
Current Ratio
28.1
Tangible Asset Value
-1,14 Bil.
Net Current Asset Value
-1,14 Bil.
Invested Capital
0.17
Working Capital
0,28 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Pacific Mercantile Bancorp Dividends
Year Dividends Growth
2008 0

Pacific Mercantile Bancorp Profile

About Pacific Mercantile Bancorp

Pacific Mercantile Bancorp is a holding company of Pacific Mercantile Bank, which engages in the provision of banking services. The company is headquartered in Costa Mesa, California and currently employs 160 full-time employees. The firm's business operations are conducted by the Bank. The company operates through commercial banking segment. The Bank offers its customers different loan products, including commercial loans and credit lines, accounts receivable and inventory financing, Small Business Administration (SBA) guaranteed business loans, and owner-occupied commercial real estate loans. Its investments primarily include securities available for sale, which consist of residential mortgage backed securities issued by the United States agencies; residential collateralized mortgage obligations issued by non agencies; asset backed security and mutual funds. Its sources of funds include deposits, and borrowings and contractual obligations. Its deposits consist of noninterest bearing demand deposits, interest-bearing checking accounts, money market and savings deposits, and time deposits.

CEO
Mr. Bradford Dinsmore
Employee
146
Address
949 S Coast Dr Fl 3
Costa Mesa, 92626

Pacific Mercantile Bancorp Executives & BODs

Pacific Mercantile Bancorp Executives & BODs
# Name Age

Pacific Mercantile Bancorp Competitors