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CoBiz Financial Inc.

CoBiz Financial Inc.

COBZ
CoBiz Financial Inc.US flagNASDAQ
22.14
USD
- -
- -

Total Valuation

CoBiz Financial Inc. carries a market capitalization of - -, placing it among publicly traded companies globally. Its enterprise value stands at 1.12B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap- -
Enterprise Value1.12B

Share Statistics

CoBiz Financial Inc. currently has 42.39M shares outstanding.

Shares Outstanding42.39M
Owned by Insiders (%)N/A
Owned by Institutions (%)N/A

Valuation Ratios

CoBiz Financial Inc. trades at a trailing price-to-earnings ratio of 22.61. The price-to-sales ratio is 5.13, and the price-to-book ratio stands at 6.13.

PE Ratio22.61
PS Ratio5.13
PB Ratio6.13
P/TBV Ratio2.57
P/FCF Ratio17.35
P/OCF Ratio17.66

Enterprise Valuation

On an enterprise value basis, CoBiz Financial Inc. trades at an EV/EBITDA multiple of 33.46 and an EV/FCF ratio of 21.71. The EV/Sales ratio of 6.49 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 37.77 provides insight into valuation relative to core operating earnings.

EV / Sales6.49
EV / EBITDA33.46
EV / EBIT37.77
EV / FCF21.71

Financial Position

Current RatioN/A
Quick RatioN/A
Debt / Equity92.86
Debt / EBITDA9.58
Interest CoverageN/A

Financial Efficiency

CoBiz Financial Inc. posts a return on equity of 29.96 and a return on invested capital of 3.04.

Return on Equity (ROE)29.96
Return on Assets (ROA)1.02
Return on Invested Capital (ROIC)3.04
Return on Capital Employed (ROCE)N/A
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Over the trailing twelve months, CoBiz Financial Inc. has paid 19.76M in income taxes, reflecting an effective tax rate of 33.52.

Income Tax19.76M
Effective Tax Rate33.52

Stock Price Statistics

CoBiz Financial Inc.'s stock has gained approximately 0% over the past 52 weeks. The 50-day moving average sits at 22.66, while the 200-day moving average is 21.18.

Beta (5Y)N/A
52-Week Price Change0%
50-Day Moving Average22.66
200-Day Moving Average21.18
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, CoBiz Financial Inc. generated 172.91M in revenue and converted that into 39.19M in net income, yielding earnings per share of 0.93. EBITDA reached 33.56M, while operating income came in at 29.72M.

Revenue172.91M
Gross ProfitN/A
Operating Income29.72M
Pretax Income58.95M
Net Income39.19M
EBITDA33.56M
EBIT29.72M
Earnings Per Share (EPS)0.93

Balance Sheet

CoBiz Financial Inc. holds 84.86M in cash and equivalents against 321.41M in total debt, resulting in a net debt position of 236.55M.

Cash & Cash Equivalents84.86M
Total Debt321.41M
Net Debt236.55M
Equity (Book Value)144.46M
Book Value Per Share3.49
Working CapitalN/A

Cash Flow

CoBiz Financial Inc. produced 50.17M in operating cash flow over the past twelve months. After subtracting -1.55M in capital expenditures, free cash flow totaled 48.62M - equivalent to 1.17 per share.

Operating Cash Flow50.17M
Capital Expenditures-1.55M
Free Cash Flow48.62M
FCF Per Share1.17

Margins

CoBiz Financial Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics. The operating margin of 17.19 and net profit margin of 22.67 provide insight into operational efficiency.

Gross Margin100.00
Operating Margin17.19
Pretax Margin34.10
Profit Margin22.67
EBITDA Margin19.41

Dividends & Yields

The company's payout ratio of 28.53 indicates the proportion of earnings distributed to shareholders.

Dividend Per Share0.27
Dividend YieldN/A
Payout Ratio28.53
Shareholder Yield-4.40
FCF Yield5.76

Stock Splits

CoBiz Financial Inc.'s most recent stock split took place on May 4, 2004 with a 2:3 split ratio.

Last Split Date5/4/2004
Split Ratio2:3

Scores

CoBiz Financial Inc. posts an Altman Z-Score of 0.27, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.27