Pacific West Bancorp (PWBK) AI Stock Analysis

• Market Cap: $29.13M
• Dividend Yield: N/A
• Average Volume (3M): 194.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.03
• Revenue Growth: 15.43%
• EPS Growth: 99.12%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): >-0.01
• Shares Outstanding: 2,671,399
• 10 Day Avg. Volume: 286
• 30 Day Avg. Volume: 194
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 44 Neutral
• Price Target: ―

Pacific West Bancorp's overall stock score is 44, driven by robust revenue growth but offset by significant challenges in profitability, cash flow, and valuation. The technical indicators show bearish trends, reinforcing the need for caution. The high debt levels and negative profitability further dampen the stock's appeal, although its top-line growth offers a glimmer of potential.

Pacific West Bancorp Business Overview & Revenue Model

Company Description

Pacific West Bancorp (PWBK) is a financial holding company that primarily operates in the banking sector. The company provides a range of financial services and products, including personal and business banking, commercial lending, and wealth management services. Headquartered in the United States, Pacific West Bancorp serves a diverse clientele, offering tailored financial solutions to meet the needs of individuals, small and medium-sized enterprises, and larger corporations.

How the Company Makes Money

Pacific West Bancorp generates revenue primarily through interest income from its lending activities, which include personal loans, mortgages, and commercial loans. The company also earns money through fees and service charges associated with its banking services, such as account maintenance fees, transaction fees, and investment advisory fees. Additionally, Pacific West Bancorp may engage in investment activities that provide capital gains or dividends, contributing to its overall earnings. Strategic partnerships with other financial institutions and service providers may enhance its product offerings and revenue generation capabilities.

Pacific West Bancorp Financial Statement Overview

Summary

Pacific West Bancorp shows strong revenue growth but faces challenges in profitability and cash flow. The income statement indicates a negative net profit margin and minimal EBITDA margin, while the balance sheet reveals increased leverage. Cash flow constraints are evident from the negative free cash flow growth rate, highlighting areas needing improvement.

Income Statement

Pacific West Bancorp's income statement reveals mixed performance. The company achieved a gross profit margin of 100% due to its revenue structure, but faces challenges with a negative net profit margin of -1.6% in 2023. Revenue growth is impressive with an increase of 23.7% from 2022 to 2023, indicating strong top-line growth. However, profitability is hindered by the negative EBIT margin of 33.7% in 2023, a significant improvement from previous years but still negative. The EBITDA margin is minimal at 0.3%, reflecting limited earnings before interest, taxes, depreciation, and amortization. Overall, while revenue growth is a positive sign, profitability remains a concern.

Balance Sheet

The balance sheet of Pacific West Bancorp shows moderate financial stability. The debt-to-equity ratio increased to 1.36 in 2023 from 0.20 in 2022, indicating higher leverage, which poses a potential risk. Return on equity is negative at -0.71%, reflecting a loss to shareholders. However, the equity ratio has remained consistent at around 10.6%, suggesting a stable ownership structure. While the debt level is concerning, the company maintains a stable equity base.

Cash Flow

Pacific West Bancorp's cash flow statement highlights some challenges. The free cash flow growth rate is negative at -96.1% from 2022 to 2023, indicating a sharp decline in available cash. The operating cash flow to net income ratio is concerning at 4.11, despite positive operating cash flow. The free cash flow to net income ratio is only 0.61, highlighting limited cash generation relative to its net loss. These metrics suggest the company is facing cash flow constraints, which could impact its operational flexibility.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.52M	15.13M	12.24M	10.36M	6.73M
Gross Profit	9.52M	15.13M	12.24M	10.36M	6.73M
EBITDA	-410.29K	39.31K	-79.42K	-237.86K	0.00
Net Income	-338.00K	-242.00K	1.84M	1.51M	-620.84K
Balance Sheet
Total Assets	328.80M	320.23M	281.87M	274.69M	211.78M
Cash, Cash Equivalents and Short-Term Investments	13.28M	11.44M	-14.00M	-28.22M	-26.90M
Total Debt	0.00	46.42M	6.82M	7.11M	7.39M
Total Liabilities	294.91M	286.18M	247.84M	239.57M	178.01M
Stockholders Equity	33.89M	34.05M	34.03M	35.12M	33.78M
Cash Flow
Free Cash Flow	-1.22M	147.25K	3.78M	1.26M	-2.97M
Operating Cash Flow	-1.16M	994.14K	3.99M	1.30M	1.16M
Investing Cash Flow	-6.47M	-41.44M	-27.01M	-61.13M	-82.92M
Financing Cash Flow	9.72M	37.14M	8.81M	61.15M	86.56M

Pacific West Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PWBK, the sentiment is Positive. The current price of 10.9 is above the 20-day moving average (MA) of 10.71, above the 50-day MA of 10.28, and below the 200-day MA of 11.02, indicating a neutral trend. The MACD of 0.20 indicates Positive momentum. The RSI at 60.07 is Neutral, neither overbought nor oversold. The STOCH value of 56.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PWBK.

Pacific West Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ASRV	74 Outperform	$50.88M	14.07	3.36%	3.90%	7.80%	―
HFBL	72 Outperform	$42.75M	12.57	6.24%	3.80%	-2.69%	-21.26%
Sector *	67 Neutral	$16.88B	11.72	9.78%	4.17%	11.83%	-7.72%
GLBZ	57 Neutral	$15.58M	403.79	0.21%	7.45%	13.95%	-96.19%
KFFB	52 Neutral	$25.19M	―	-2.21%	3.03%	22.56%	-78.84%
PWBK	44 Neutral	$29.13M	―	-0.02%	―	15.43%	99.12%