Pacific West Bancorp (PWBK) AI Stock Analysis

• Market Cap: $31.52M
• Dividend Yield: N/A
• Average Volume (3M): 1.89K
• Price to Earnings (P/E): 47.6
• Beta (1Y): 0.12
• Revenue Growth: 10.63%
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.11
• Shares Outstanding: 2,671,399
• 10 Day Avg. Volume: 1,689
• 30 Day Avg. Volume: 1,890
• PEG Ratio: -2.23
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 1.86
• P/FCF Ratio: -27.42
• Enterprise Value/Market Cap: 0.22
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: $12.00 ▲(2.13% Upside)

Pacific West Bancorp's stock score is primarily influenced by its financial performance challenges and high valuation. While technical indicators show bullish momentum, the overbought conditions and high P/E ratio suggest caution. The lack of earnings call data and corporate events means these factors did not impact the score.

Positive Factors

Revenue Growth

The company has demonstrated a positive revenue growth rate, indicating a solid demand for its products and services, which is a fundamental strength for long-term business sustainability.

Leverage Reduction

Reduction in leverage suggests improved financial health and lower risk, enhancing the company's ability to invest in growth opportunities and withstand economic downturns.

Diversified Revenue Streams

A diversified revenue model reduces dependency on any single income source, providing stability and resilience against market fluctuations, supporting long-term growth.

Negative Factors

Profitability Challenges

Persistent profitability issues indicate operational inefficiencies or high costs, which could hinder the company's ability to reinvest in its business and sustain growth.

Cash Flow Issues

Negative cash flow highlights liquidity concerns, potentially limiting the company's capacity to fund operations and growth initiatives, affecting long-term stability.

Negative Return on Equity

A negative ROE suggests the company is not generating sufficient profit from shareholders' equity, which can impact investor confidence and the ability to raise capital.

Pacific West Bancorp Business Overview & Revenue Model

Company Description

Pacific West Bancorp provides banking products and services for businesses, non-profits, and individuals. It offers deposit products, including checking, savings, and money market accounts, as well as certificates of deposit. The company also provides line of credit, commercial real estate loan, equipment loan, and executive credit line. In addition, it offers online banking, bill pay, mobile banking, remote deposit capture, ACH origination, online wires, positive pay, debit and credit cards, and merchant/credit card processing, as well as treasury management services. It serves the greater Portland Metro area with offices located in Downtown Portland, Lake Oswego, and West Linn. The company was founded in 2004 and is based in West Linn, Oregon.

How the Company Makes Money

Pacific West Bancorp generates revenue primarily through interest income earned on loans and investments. The bank offers a variety of loan products, including mortgages, personal loans, and commercial loans, which contribute significantly to its interest income. Additionally, PWBK earns fee income from service charges on deposit accounts, transaction fees, and commissions from its wealth management services. The company may also form strategic partnerships with other financial institutions or businesses to enhance its service offerings and expand its customer base, further contributing to its earnings. Overall, the bank's diversified revenue streams and focus on customer service play a crucial role in its financial performance.

Pacific West Bancorp Financial Statement Overview

Summary

Pacific West Bancorp shows revenue growth but struggles with profitability and cash flow management. The reduction in leverage is positive, but negative net income and cash flow issues highlight financial instability.

Income Statement

Pacific West Bancorp has shown a positive revenue growth rate over the years, with a notable increase in 2024. However, the company has struggled with profitability, as indicated by negative net profit margins and EBIT margins in recent years. The gross profit margin remains strong, but the negative net income suggests challenges in managing expenses or other operational inefficiencies.

Balance Sheet

The company's debt-to-equity ratio has improved from 2023 to 2024, indicating a reduction in leverage. However, the return on equity remains negative, reflecting ongoing profitability issues. The equity ratio is stable, suggesting a solid capital structure, but the negative ROE highlights the need for improved earnings performance.

Cash Flow

Cash flow metrics indicate challenges, with negative operating cash flow and free cash flow in 2024. The free cash flow to net income ratio is positive, suggesting some efficiency in converting earnings to cash, but overall cash flow growth has been negative, highlighting liquidity concerns.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	18.05M	15.13M	12.23M	10.36M	6.73M
Gross Profit	9.52M	15.13M	11.34M	9.81M	6.02M
EBITDA	-137.70K	39.31K	2.80M	2.62M	-460.91K
Net Income	-337.96K	-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	16.48M	30.90M	29.59M
Total Debt	21.05M	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: 11.75
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 11.75 is below the 20-day moving average (MA) of 11.79, below the 50-day MA of 11.82, and above the 200-day MA of 11.03, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 47.03 is Neutral, neither overbought nor oversold. The STOCH value of 13.89 is Positive, 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
HFBL	79 Outperform	$48.61M	10.75	8.21%	3.37%	0.32%	37.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PWBK	54 Neutral	$31.52M	47.62	1.94%	―	10.63%	―
BAFN	54 Neutral	$35.76M	-2.78	-11.14%	4.00%	1.63%	-508.72%
KFFB	52 Neutral	$35.99M	66.72	1.11%	―	15.56%	―