Pacific Capital Bancorp Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about Pacific Capital Bancorp that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Pacific Capital Bancorp. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Pacific Capital Bancorp financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Pacific Capital Bancorp competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Pacific Capital Bancorp business.
About Pacific Capital Bancorp
Pacific Capital Bancorp operates as the holding company for Pacific Capital Bank, National Association, which provides a range of banking services, including consumer and commercial lending, trust and investment advisory services, and other consumer and business banking products in the central coast of California.
As of December 31, 2009, the company conducted its banking services under five brand names, including Santa Barbara Bank & Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, and First Bank of San Luis Obispo at 50 locations. Its branches are located in eight California counties. These counties include Santa Barbara, Ventura, Monterey, Santa Cruz, southern Santa Clara, San Benito, San Luis Obispo, and Los Angeles.
Segments
The company operates in two segments, Community Banking; and Commercial and Wealth Management Group.
Community Banking
The Community Banking segments business units provide residential real estate loans, home equity lines and loans, consumer loans, small business loans, deposit products, small business administration (SBA) loans and lines, and demand deposit overdraft protection products.
Residential real estate loans consist of first and second mortgage loans secured by trust deeds on one to four unit single family homes. Consumer loans and lines of credit are extended with or without collateral to provide financing for purposes, such as the acquisition of recreational vehicles, automobiles, or to provide liquidity. Small business loans and lines of credit offered through the Community Banking Segment are extended without collateral to small businesses based on historical credit performance of the business and with the principal owners of the business. SBA loans are extended to small businesses for a variety of purposes, including working capital, business acquisitions, acquisition of real estate, growth capital, and equipment financing.
The company's deposit products include checking, savings, money market accounts, individual retirement accounts (IRAs), certificates of deposit (CDs), and debit cards.
The Community Banking segment serves customers through traditional banking branches, loan production centers, automated teller machines (ATM), through the customer contact call center, and online banking.
Commercial and Wealth Management Group (CWMG)
The Commercial and Wealth Management Group serves middle market companies with business owners who are high net-worth individuals. This segment offers a line of commercial and industrial and commercial real estate secured loan products and services, as well as trust and investment advisory services and private banking lending, deposit services, and securities brokerages services through its trust and investment management group and through Morton Capital Management (MCM) and R.E. Wacker Associates, Inc. (REWA). The types of products offered in this segment include traditional commercial and industrial and commercial real estate and lines of credit, letters of credit, asset-based lending, foreign exchange services and treasury management. The loan products also include construction loans for commercial and residential development, land acquisition and development loans, secured and unsecured lines of credit and financing arrangements for completed structures.
The company's trust and investment advisory services include investment review, analysis and customized portfolio management for separately managed accounts, full service brokerage, trust and fiduciary services, equity and fixed income management, and real estate and specialty asset management.
The company's deposit products include checking, savings, money market accounts, IRAs, CDs, and debit cards. Overdraft protection is also offered to these customers.
The CWMG segment serves customers through traditional banking branches, loan production centers, ATMs, through the customer contact call center and online banking.
Investment Portfolio
As of December 31, 2009, the company's investment portfolio included mortgage-backed securities; U.S. treasury obligations; U.S. agency obligations; collateralized mortgage obligations; asset-backed securities; and state and municipal securities.
Dispositions
In January 2010, the company sold the assets of the Refund Anticipation Loan (RAL) and Refund Transfer (RT) Programs segment.
History
Pacific Capital Bancorp was founded in 1960.
The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.
RESEARCH METHODOLOGY
DISCLAIMER
1. PACIFIC CAPITAL BANCORP COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. PACIFIC CAPITAL BANCORP BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. PACIFIC CAPITAL BANCORP SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. PACIFIC CAPITAL BANCORP FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. PACIFIC CAPITAL BANCORP COMPETITORS AND INDUSTRY ANALYSIS
5.1. Pacific Capital Bancorp Direct Competitors
5.2. Comparison of Pacific Capital Bancorp and Direct Competitors Financial Ratios
5.3. Comparison of Pacific Capital Bancorp and Direct Competitors Stock Charts
5.4. Pacific Capital Bancorp Industry Analysis
5.4.1. Industry Snapshot
5.4.2. Pacific Capital Bancorp Industry Position Analysis
6. PACIFIC CAPITAL BANCORP NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. PACIFIC CAPITAL BANCORP EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. PACIFIC CAPITAL BANCORP ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. PACIFIC CAPITAL BANCORP IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. PACIFIC CAPITAL BANCORP PORTER FIVE FORCES ANALYSIS2
12. PACIFIC CAPITAL BANCORP VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
Pacific Capital Bancorp Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Pacific Capital Bancorp 1-year Stock Charts
Pacific Capital Bancorp 5-year Stock Charts
Pacific Capital Bancorp vs. Main Indexes 1-year Stock Chart
Pacific Capital Bancorp vs. Direct Competitors 1-year Stock Charts
Pacific Capital Bancorp Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
Pacific Capital Bancorp Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Pacific Capital Bancorp Key Executives
Pacific Capital Bancorp Major Shareholders
Pacific Capital Bancorp History
Pacific Capital Bancorp Products
Revenues by Segment
Revenues by Region
Pacific Capital Bancorp Offices and Representations
Pacific Capital Bancorp SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Pacific Capital Bancorp Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Pacific Capital Bancorp Capital Market Snapshot
Pacific Capital Bancorp Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Pacific Capital Bancorp Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Pacific Capital Bancorp Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Historical Surprises1
Revenue Estimates Trend1
Earnings Estimates Trend1
Revenue Revisions1
SWOT Analysis
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL Analysis
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO Analysis
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Financial
- Physical
- Technological
- Organizational
- Intangible resources
- Human
- Innovation and Creativity
- Reputation
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Valuable?
- Rare?
- Costly to imitate?
- Organized properly?
