Pacific Mercantile Bancorp's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Pacific Mercantile Bancorp (PMBC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Pacific Mercantile Bancorp vs Its Competitors
- TTM: Trailing 12-month revenue of 60M vs 870,761M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-3.4% annualized vs trailing 12 months), vs decelerating (-22.2%) for its tracked peer group.
- Growth: Pacific Mercantile Bancorp generated 25.2% revenue growth year over year in Q2 2021, vs 35.7% for its tracked competitors combined.
- Profitability: Its 26.7% net margin compares with 33.1% for the peer group.
- Peer revenue share: Pacific Mercantile Bancorp accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.39M compares with $0.51M for the peer group (0.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PMBC Sales vs. its Competitors, Q2 2021
Pacific Mercantile Bancorp reported revenue growth of 25.15 % year on year in Q2 2021, below its competitors' combined revenue growth of 35.68 %.
With a net margin of 26.73 %, Pacific Mercantile Bancorp reported lower profitability than its competitors (33.05 %).
Pacific Mercantile Bancorp generated 0.01 % of the combined sales of its peer group, up from 0.01 % a year earlier.
Pacific Mercantile Bancorp vs. its Competitors, Q2 2021
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Pacific Mercantile Bancorp and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Pacific Mercantile Bancorp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (2) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (6) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Pacific Mercantile Bancorp's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue 4.0% year over year, combined, vs 25.2% for Pacific Mercantile Bancorp. Pacific Mercantile Bancorp's share of combined industry revenue moved from 0.00% to 0.01%, a gain of 0.00 percentage points.
Pacific Mercantile Bancorp's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Pacific Mercantile Bancorp | Yes | Yes | Yes | No |
| Competitors combined (219) | ||||
| High-Confidence Competitors (2) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 25.00 % (2 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PMBC Stock Performance relative to its Competitors
PMBC Stock Performance relative to High-Confidence Competitors
PMBC Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 5 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Pacific Mercantile Bancorp's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Pacific Mercantile Bancorp's Comment on Competition and Industry Peers
The banking business in California generally, and in our service area in particular, is highly competitive and is dominated by a relatively small number of large multi-state and California-based banks that have numerous banking offices operating over wide geographic areas. We compete for deposits and loans with those banks, with community banks that are based or have branch offices in our market areas, and with savings banks (also sometimes referred to as “thrifts”), credit unions, money market and other mutual funds, stock brokerage firms, insurance companies, and other traditional and nontraditional financial service organizations. We also compete for customers’ funds with governmental and private entities issuing debt or equity securities or other forms of investments which may offer different and potentially higher yields than those available through bank deposits.
Major financial institutions that operate throughout California and that have offices in our service areas include Bank of America, Wells Fargo Bank, JPMorgan Chase, Union Bank of California, Bank of the West, U. S. Bancorp, Comerica Bank and Citibank. Larger independent banks and other financial institutions with offices in our service areas include, among others, OneWest Bank, City National Bank, Citizens Business Bank, Manufacturers Bank, and California Bank and Trust.
Publicly Traded Peers of Pacific Mercantile Bancorp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Pacific Mercantile Bancorp | 225.17 | 60.30 |
| Jpmorgan Chase and Co | 891,322.19 | 186,328.00 |
| Bank Of America Corporation | 397,023.31 | 121,098.00 |
| Wells Fargo and Company | 246,306.21 | 83,940.00 |
| Citigroup inc | 230,045.28 | 88,262.00 |
| Capital one financial corp | 119,915.78 | 51,099.00 |
| SUBTOTAL | 2,853,440.33 | 877,287.19 |
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Sources: Pacific Mercantile Bancorp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Pacific Mercantile Bancorp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Pacific Mercantile Bancorp's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| E*TRADE Bank | Named by the company | 85% |
| Wells Fargo Bank | Named by the company | 85% |
| Bank of America | Named by the company | 85% |
| Banc Of California Inc | Named by the company | 85% |
| Cathay General Bancorp | Named by the company | 85% |
| East West Bancorp inc | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Pacific Mercantile Bancorp's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Pacific Mercantile Bancorp's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Pacific Mercantile Bancorp's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Pacific Mercantile Bancorp | 225 | 386,571 | 103,026 |
| Jpmorgan Chase and Co | 891,322 | 584,995 | 200,752 |
| Bank Of America Corporation | 397,023 | 568,535 | 158,005 |
| Wells Fargo and Company | 246,306 | 351,213 | 95,100 |
| Citigroup inc | 230,045 | 390,540 | 72,049 |
| Capital one financial corp | 119,916 | 669,712 | 137,615 |
| PEERS TOTAL | 2,853,215 | 505,487 | 132,664 |
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Pacific Mercantile Bancorp's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Pacific Mercantile Bancorp's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (45 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 61.99 % | 65.17 % (avg) | -3.2 pp |
| Operating Margin | 38.56 % | industry median | -0.6 pp |
| EBITDA Margin | 52.25 % | 50.64 % (avg) | +1.6 pp |
| Capital Intensity (Capex / Revenue) | - | 1.92 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Pacific Mercantile Bancorp's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (45 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 12.8x | 15.4x | -2.7x |
| EV / EBITDA | 7.3x | 6.2x | +1.0x |
| P/B | 1.3x | 1.3x | +0.0x |
| Return on Equity | 10.02 % | industry aggregate | -1.95 % |
| Return on Invested Capital | 6.39 % | 3.35 % (avg) | 3.04 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Pacific Mercantile Bancorp's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -52.54 % | 24.47 % | 2.50 % | -48.67 % | 158.83 % | 11.31 % | -14.12 % | 7.12 % |
| Operating Margin | - | - | 2.46 % | - | 21.53 % | 30.97 % | 16.99 % | 25.21 % |
| Return on Invested Capital | - | - | 0.35 % | - | 3.99 % | 5.05 % | 2.14 % | 3.12 % |
| P/E | - | - | 15.5x | - | 20.0x | 6.7x | 29.6x | 14.5x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Pacific Mercantile Bancorp's Strategic Group Map
Every company in Pacific Mercantile Bancorp's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Pacific Mercantile Bancorp is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Pacific Mercantile Bancorp's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Pacific Mercantile Bancorp falls in the High attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Pacific Mercantile Bancorp's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-3.4% annualized vs trailing 12 months).
Opportunities
- Industry revenue growing at a healthy 13.0% median pace.
- Trades at a lower P/E than the industry average (12.8x vs 15.4x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-22.2% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Pacific Mercantile Bancorp's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Pacific Mercantile Bancorp | 0.00 | 1.12 | 0.16 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Pacific Mercantile Bancorp's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Pacific Mercantile Bancorp | Q2 2021 | +25.1 % | +104.4 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +24.2 % | +55.1 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Pacific Mercantile Bancorp's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Pacific Mercantile Bancorp | Q2 2021 | - | - |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Pacific Mercantile Bancorp's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Pacific Mercantile Bancorp | 1.02% | 7.90% | 10.02% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Pacific Mercantile Bancorp's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Pacific Mercantile Bancorp | 14.03 | 3.73 |
| Jpmorgan Chase and Co | 13.93 | 4.78 |
| Bank Of America Corporation | 12.54 | 3.28 |
| Wells Fargo and Company | 11.71 | 2.93 |
| Citigroup inc | 16.11 | 2.61 |
| Capital one financial corp | 11.49 | 2.35 |
| PEERS AVERAGE | 12.39 | 3.25 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.