Pacific West Bancorp (PWBK)
OTHER OTC:PWBK
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Pacific West Bancorp
(OTC:PWBK)
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Rating:51Neutral
Price Target:
$12.00
▲(0.00% Upside)
Action:N/ADate:10/02/25
The overall score of 51 is primarily constrained by significant fundamental weaknesses. The company's financial performance is a major concern, marked by a lack of profitability and severely negative cash flow, despite strong revenue growth. This is compounded by a very high valuation, with a P/E ratio of 89.27 suggesting the stock is expensive relative to its financial health. These risks are partially offset by positive technical indicators, as the stock is currently in a strong uptrend.
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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Pacific West Bancorp (PWBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$31.55M
Dividend YieldN/A
Average Volume (3M)1.89K
Price to Earnings (P/E)47.8
Beta (1Y)0.14
Revenue Growth10.63%
EPS GrowthN/A
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.05
Shares Outstanding2,671,399
10 Day Avg. Volume1,689
30 Day Avg. Volume1,890
Financial Highlights & Ratios
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 Cap1.31
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 prov...
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 ...
Pacific West Bancorp Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
62
Positive
Cash Flow
18
Very Negative
| 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 | 10.03M | 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
Positive
12.00
Price Trends
11.81
Positive
11.86
Negative
11.57
Positive
Market Momentum
<0.01
Negative
52.17
Neutral
78.43
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 12 is above the 20-day moving average (MA) of 11.72, above the 50-day MA of 11.81, and above the 200-day MA of 11.57, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 52.17 is Neutral, neither overbought nor oversold. The STOCH value of 78.43 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $53.81M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | $35.95M | 30.97 | 1.71% | ― | 15.56% | ― | |
51 Neutral | $31.55M | 47.79 | 1.94% | ― | 10.63% | ― | |
46 Neutral | $27.77M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% |
* Financial Sector Average
PWBK
Pacific West Bancorp
11.81
1.21
11.42%
CARV
Carver Bancorp
1.50
0.13
9.49%
HFBL
Home Federal Bancorp Of Louisiana
17.50
4.83
38.15%
KFFB
Kentucky First Federal Bancorp
4.45
1.55
53.28%
BAFN
BayFirst Financial Corp
6.76
-8.14
-54.63%
MBBC
Marathon Bancorp
14.14
4.41
45.32%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.