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Profile - United PanAm Financial (NasdaqNM:UPFC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
Aug 20Price hit new 52-week high ($6.21)
Location
3990 Westerly Place
Newport Beach, CA 92660
Phone: (949) 224-1917
Fax: (650) 345-4530
Employees (last reported count): 264
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 73%
·Over the last 6 months:
 · 3 insider buys; 55.0K shares (0.5% of insider shares)
·Institutional: 5% (19% of float)
(17 institutions)
·Net Inst. Selling: 1.01M shares
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
United PanAm Financial Corp. is a specialty finance company engaged primarily in originating and acquiring for investment retail automobile installment sales contracts and insurance premium contracts. The Company markets to customers who generally cannot obtain financing from traditional lenders. These customers usually pay higher loan fees and interest rates than those charged by traditional lenders to gain access to consumer financing. The Company funds its operations principally through retail and wholesale deposits, Federal Home Loan Bank (FHLB) advances, and whole loan sales. The Company has used Pan American Bank as a base for expansion into its current specialty finance businesses. Pan American Bank is a Hispanic-controlled savings association in California.
More from Market Guide: Expanded Business Description

Financial Summary
UPFC is a holding company for Pan American Financial, Inc., Pan American Bank, FSB and United PanAm Mortgage Corporation. For the six months ended 6/30/01, interest income rose 50% to $28.5 million. Net interest income after LLP rose 26% to $17.5 million. Net income from continuing operations totaled $3.4 million vs. a loss of $823 thousand. Net interest income reflects higher income from securities, partially offset by higher deposits. Net income reflects a gain on the sale of loan.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

Guillermo Bron, 49
Chairman, CEO
$163K--  
Ray Thousand, 43
Pres, COO, Sec., Director
348K--  
Garland Koch, 49
VP, CFO
--  --  
Carol Bucci, 43
Sr. VP and Controller of the Bank
167K$12K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:UPFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 25-Oct-2000
$0.688
Recent Price$5.25 
52-Week High
on 20-Aug-2001
$6.21 
Beta-0.87 
Daily Volume (3-month avg)70.6K
Daily Volume (10-day avg)47.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+320.0%
52-Week Change
relative to S&P500
+463.5%
Share-Related Items
Market Capitalization$85.1M
Shares Outstanding16.2M
Float4.40M
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$4.60 
Earnings (ttm)$0.05 
Earnings (mrq)$0.11 
Sales (ttm)$3.27 
Cash (mrq)$0.54 
Valuation Ratios
Price/Book (mrq)1.14 
Price/Earnings (ttm)109.38 
Price/Sales (ttm)1.61 
Income Statements
Sales (ttm)$53.8M
EBITDAN/A 
Income available to common (ttm)$861.0K
Profitability
Profit Margin (ttm)1.6%
Operating Margin (ttm)61.8%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.18%
Return on Equity (ttm)1.22%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$8.79M
Short Interest
As of 8-Aug-2001
Shares Short4,000 
Percent of Float0.1%
Shares Short
(Prior Month)
2,000 
Short Ratio0.04 
Daily Volume99.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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