CoBiz Financial Inc.
CoBiz Financial Inc. Fundamental Analysis
CoBiz Financial Inc. (COBZ) shows moderate financial fundamentals with a PE ratio of 28.03, profit margin of 20.00%, and ROE of 10.42%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze COBZ's fundamental strength across five key dimensions:
Efficiency Score
WeakCOBZ struggles to generate sufficient returns from assets.
Valuation Score
ModerateCOBZ shows balanced valuation metrics.
Growth Score
WeakCOBZ faces weak or negative growth trends.
Financial Health Score
ModerateCOBZ shows balanced financial health with some risks.
Profitability Score
WeakCOBZ struggles to sustain strong margins.
Key Financial Metrics
Is COBZ Expensive or Cheap?
P/E Ratio
COBZ trades at 28.03 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, COBZ's PEG of 0.28 indicates potential undervaluation.
Price to Book
The market values CoBiz Financial Inc. at 2.80 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does COBZ Make Money?
Net Profit Margin
For every $100 in sales, CoBiz Financial Inc. keeps $20.00 as profit after all expenses.
Operating Margin
Core operations generate 32.44 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.42 in profit for every $100 of shareholder equity.
ROA
CoBiz Financial Inc. generates $0.86 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $1.02 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
28.03
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.28
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.80
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.63
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.88
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How COBZ Stacks Against Its Sector Peers
| Metric | COBZ Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 28.03 | 18.56 | Worse (Expensive) |
| ROE | 10.42% | 828.00% | Weak |
| Net Margin | 20.00% | 2518.00% | Weak |
| Debt/Equity | 0.63 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.88 | 663.54 | Weak Liquidity |
| ROA | 0.86% | -21156.00% (disorted) | Weak |
COBZ outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CoBiz Financial Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical