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First Pactrust Bancorp, Inc. - Comparative Business Analysis Snapshot
Business Description
First Pactrust Bancorp, Inc.. The Group's principal activity is to provide a variety of banking services. It provides a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market deposit and term certificate accounts and checking accounts. Its lending portfolio includes one-to four-family residential mortgage loans, construction loans, consumer loans and adjustable-rate mortgage loans. The consumer loans portfolio includes a variety of secured consumer loans including home equity lines of credit, new and used auto loans, boat and recreational vehicle loans and other loans secured by savings deposits. It operates through nine full service banking offices located in San Diego and Riverside counties in California. At 31-Dec-2008, it has six full service offices and three limited service offices.
Competitor Analysis
This analysis compares First Pactrust Bancorp, Inc. with three other companies in closely related industry sectors.
The full Comparative Business Report is available to Subscribers or may be purchased individually. The full report generally includes the following sections:
- Sales Analysis: Recent Sales, Sales Growth, Sales per Employee
- Recent Stock Performance
- Company Valuation Ratios: Price/Earnings, Price/Book Value
- Price/Sales and 52 Week Price change
- Dividend Analysis
- Profitability Analysis: Gross Profit Margin, EBITDA Margin
- Earnings Before Extraordinary Items
- Inventory Analysis
- Research and Development Expenses
- Financial Position: Long Term Debt/Equity, Days Accounts Receivable, Days Inventory
- R&D Expenses/Sales
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