Critical Review: 1st Century Bancshares (FCTY) vs. The Competition

1st Century Bancshares (NASDAQ: FCTY) is one of 200 publicly-traded companies in the “Commercial Banks” industry, but how does it weigh in compared to its competitors? We will compare 1st Century Bancshares to similar companies based on the strength of its institutional ownership, analyst recommendations, valuation, dividends, risk, profitability and earnings.

Insider & Institutional Ownership

46.9% of shares of all “Commercial Banks” companies are owned by institutional investors. 11.8% of shares of all “Commercial Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for 1st Century Bancshares and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
1st Century Bancshares 0 0 0 0 N/A
1st Century Bancshares Competitors 423 3022 2427 78 2.36

As a group, “Commercial Banks” companies have a potential upside of 6.57%. Given 1st Century Bancshares’ competitors higher probable upside, analysts plainly believe 1st Century Bancshares has less favorable growth aspects than its competitors.

Earnings and Valuation

This table compares 1st Century Bancshares and its competitors gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
1st Century Bancshares N/A N/A 44.88
1st Century Bancshares Competitors $338.81 million $71.86 million 21.33

1st Century Bancshares’ competitors have higher revenue and earnings than 1st Century Bancshares. 1st Century Bancshares is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares 1st Century Bancshares and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
1st Century Bancshares 3.91% 1.67% 0.15%
1st Century Bancshares Competitors 20.38% 8.68% 0.92%

Summary

1st Century Bancshares competitors beat 1st Century Bancshares on 7 of the 8 factors compared.

About 1st Century Bancshares

1st Century Bancshares, Inc. is the bank holding company for 1st Century Bank, National Association (the Bank). The Bank is a full service commercial bank. The Bank’s primary focus is relationship banking to family and middle market businesses, professional service firms, and high net worth individuals, real estate investors and entrepreneurs. It offers various loan products, including business and personal lines of credit and term loans; tenant improvement and equipment financing; bridge and specific purpose loans; commercial, industrial, multi-family residential real estate lending; personal home equity loans and lines of credit, and credit cards for business and personal use. Its deposit products include business checking, money market and certificates of deposit; personal checking, money market and certificates of deposits; attorney-client trust accounts, trust accounts, and cash management. Its loan and deposit activities are based in the Los Angeles metropolitan area.

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