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PacWest Bancorp

PACW

(1.2)
Stock Price

7,54 USD

-3.71% ROA

-46.91% ROE

-0.65x PER

Market Cap.

904.521.020,00 USD

246.1% DER

3.71% Yield

-141.45% NPM

PacWest Bancorp Stock Analysis

PacWest Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PacWest Bancorp Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.41x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

4 ROE

Negative ROE (-46.91%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (-3.71%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

6 DER

The stock is burdened with a heavy load of debt (246%), making it financially unstable and potentially risky for investors.

7 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (4) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

PacWest Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PacWest Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

PacWest Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PacWest Bancorp Revenue
Year Revenue Growth
1999 2.822.000
2000 23.372.000 87.93%
2001 37.040.000 36.9%
2002 82.431.000 55.07%
2003 119.690.000 31.13%
2004 142.644.000 16.09%
2005 174.325.000 18.17%
2006 258.423.000 32.54%
2007 298.029.000 13.29%
2008 243.759.000 -22.26%
2009 254.964.000 4.39%
2010 298.985.000 14.72%
2011 294.067.000 -1.67%
2012 291.478.000 -0.89%
2013 324.410.000 10.15%
2014 736.294.000 55.94%
2015 925.902.000 20.48%
2016 1.082.683.000 14.48%
2017 1.094.312.000 1.06%
2018 1.178.980.000 7.18%
2019 1.130.421.000 -4.3%
2020 1.129.632.000 -0.07%
2021 1.260.216.000 10.36%
2022 1.285.744.000 1.99%
2023 573.292.000 -124.27%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PacWest Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PacWest Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 5.623.000
2000 6.673.000 15.74%
2001 13.285.000 49.77%
2002 26.740.000 50.32%
2003 32.407.000 17.49%
2004 45.220.000 28.33%
2005 48.623.000 7%
2006 65.505.000 25.77%
2007 71.440.000 8.31%
2008 72.185.000 1.03%
2009 105.485.000 31.57%
2010 117.602.000 10.3%
2011 114.932.000 -2.32%
2012 121.964.000 5.77%
2013 151.252.000 19.36%
2014 222.754.000 32.1%
2015 257.773.000 13.59%
2016 303.550.000 15.08%
2017 312.875.000 2.98%
2018 330.498.000 5.33%
2019 329.822.000 -0.2%
2020 320.898.000 -2.78%
2021 416.092.000 22.88%
2022 432.325.000 3.75%
2023 439.760.000 1.69%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PacWest Bancorp EBITDA
Year EBITDA Growth
1999 14.011.000
2000 13.829.000 -1.32%
2001 23.689.000 41.62%
2002 48.235.000 50.89%
2003 76.386.000 36.85%
2004 91.916.000 16.9%
2005 121.148.000 24.13%
2006 206.024.000 41.2%
2007 261.693.000 21.27%
2008 -624.942.000 141.87%
2009 51.294.000 1318.35%
2010 -51.051.000 200.48%
2011 140.231.000 136.4%
2012 138.936.000 -0.93%
2013 118.828.000 -16.92%
2014 364.309.000 67.38%
2015 594.698.000 38.74%
2016 661.958.000 10.16%
2017 673.945.000 1.78%
2018 811.747.000 16.98%
2019 675.682.000 -20.14%
2020 -1.118.783.000 160.39%
2021 870.823.000 228.47%
2022 882.529.000 1.33%
2023 -63.376.000 1492.53%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PacWest Bancorp Gross Profit
Year Gross Profit Growth
1999 2.822.000
2000 23.372.000 87.93%
2001 37.040.000 36.9%
2002 82.431.000 55.07%
2003 119.690.000 31.13%
2004 142.644.000 16.09%
2005 174.325.000 18.17%
2006 258.423.000 32.54%
2007 298.029.000 13.29%
2008 243.759.000 -22.26%
2009 254.964.000 4.39%
2010 298.985.000 14.72%
2011 294.067.000 -1.67%
2012 291.478.000 -0.89%
2013 324.410.000 10.15%
2014 736.294.000 55.94%
2015 925.902.000 20.48%
2016 1.082.683.000 14.48%
2017 1.094.312.000 1.06%
2018 1.178.980.000 7.18%
2019 1.130.421.000 -4.3%
2020 1.129.632.000 -0.07%
2021 1.260.216.000 10.36%
2022 1.285.744.000 1.99%
2023 573.292.000 -124.27%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PacWest Bancorp Net Profit
Year Net Profit Growth
1999 4.264.000
2000 1.904.000 -123.95%
2001 6.110.000 68.84%
2002 16.912.000 63.87%
2003 32.055.000 47.24%
2004 36.363.000 11.85%
2005 50.366.000 27.8%
2006 75.998.000 33.73%
2007 90.326.000 15.86%
2008 -728.065.000 112.41%
2009 -9.350.000 -7686.79%
2010 -62.016.000 84.92%
2011 50.704.000 222.31%
2012 56.801.000 10.73%
2013 45.115.000 -25.9%
2014 168.905.000 73.29%
2015 299.619.000 43.63%
2016 352.166.000 14.92%
2017 357.818.000 1.58%
2018 465.339.000 23.11%
2019 468.636.000 0.7%
2020 -1.237.574.000 137.87%
2021 606.959.000 303.9%
2022 423.613.000 -43.28%
2023 -93.376.000 553.66%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PacWest Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 1
2000 0 0%
2001 1 100%
2002 2 0%
2003 2 50%
2004 2 0%
2005 3 33.33%
2006 3 0%
2007 3 0%
2008 -27 111.54%
2009 0 0%
2010 -2 100%
2011 1 200%
2012 2 0%
2013 1 0%
2014 2 0%
2015 3 50%
2016 3 0%
2017 3 0%
2018 4 33.33%
2019 4 0%
2020 -11 130%
2021 5 300%
2022 4 -66.67%
2023 -1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PacWest Bancorp Free Cashflow
Year Free Cashflow Growth
1999 4.988.000
2000 3.832.000 -30.17%
2001 10.730.000 64.29%
2002 -10.492.000 202.27%
2003 10.468.000 200.23%
2004 47.094.000 77.77%
2005 68.914.000 31.66%
2006 87.185.000 20.96%
2007 190.120.000 54.14%
2008 110.117.000 -72.65%
2009 72.778.000 -51.31%
2010 234.573.000 68.97%
2011 164.337.000 -42.74%
2012 113.066.000 -45.35%
2013 46.648.000 -142.38%
2014 329.441.000 85.84%
2015 519.640.000 36.6%
2016 521.367.000 0.33%
2017 402.453.000 -29.55%
2018 567.032.000 29.02%
2019 512.560.000 -10.63%
2020 424.579.000 -20.72%
2021 454.908.000 6.67%
2022 581.110.000 21.72%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PacWest Bancorp Operating Cashflow
Year Operating Cashflow Growth
1999 6.081.000
2000 4.569.000 -33.09%
2001 12.199.000 62.55%
2002 -7.079.000 272.33%
2003 13.986.000 150.61%
2004 49.818.000 71.93%
2005 71.906.000 30.72%
2006 94.420.000 23.84%
2007 185.065.000 48.98%
2008 113.909.000 -62.47%
2009 76.121.000 -49.64%
2010 239.844.000 68.26%
2011 170.273.000 -40.86%
2012 117.980.000 -44.32%
2013 50.252.000 -134.78%
2014 332.110.000 84.87%
2015 593.878.000 44.08%
2016 581.107.000 -2.2%
2017 483.968.000 -20.07%
2018 608.027.000 20.4%
2019 582.660.000 -4.35%
2020 483.873.000 -20.42%
2021 502.956.000 3.79%
2022 701.972.000 28.35%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PacWest Bancorp Capital Expenditure
Year Capital Expenditure Growth
1999 1.093.000
2000 737.000 -48.3%
2001 1.469.000 49.83%
2002 3.413.000 56.96%
2003 3.518.000 2.98%
2004 2.724.000 -29.15%
2005 2.992.000 8.96%
2006 7.235.000 58.65%
2007 -5.055.000 243.13%
2008 3.792.000 233.31%
2009 3.343.000 -13.43%
2010 5.271.000 36.58%
2011 5.936.000 11.2%
2012 4.914.000 -20.8%
2013 3.604.000 -36.35%
2014 2.669.000 -35.03%
2015 74.238.000 96.4%
2016 59.740.000 -24.27%
2017 81.515.000 26.71%
2018 40.995.000 -98.84%
2019 70.100.000 41.52%
2020 59.294.000 -18.22%
2021 48.048.000 -23.41%
2022 120.862.000 60.25%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PacWest Bancorp Equity
Year Equity Growth
1999 25.855.000
2000 27.772.000 6.9%
2001 55.297.000 49.78%
2002 316.292.000 82.52%
2003 337.563.000 6.3%
2004 373.876.000 9.71%
2005 500.778.000 25.34%
2006 1.168.328.000 57.14%
2007 1.138.352.000 -2.63%
2008 375.726.000 -202.97%
2009 506.775.000 25.86%
2010 478.797.000 -5.84%
2011 546.203.000 12.34%
2012 589.121.000 7.29%
2013 809.093.000 27.19%
2014 3.506.425.000 76.93%
2015 4.397.691.000 20.27%
2016 4.479.055.000 1.82%
2017 4.977.598.000 10.02%
2018 4.825.588.000 -3.15%
2019 4.954.697.000 2.61%
2020 3.594.951.000 -37.82%
2021 3.999.630.000 10.12%
2022 3.950.531.000 -1.24%
2023 2.399.277.000 -64.66%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PacWest Bancorp Assets
Year Assets Growth
1999 304.362.000
2000 358.287.000 15.05%
2001 770.217.000 53.48%
2002 2.115.877.000 63.6%
2003 2.422.327.000 12.65%
2004 3.046.854.000 20.5%
2005 3.226.411.000 5.57%
2006 5.553.323.000 41.9%
2007 5.179.040.000 -7.23%
2008 4.495.502.000 -15.2%
2009 5.324.079.000 15.56%
2010 5.529.021.000 3.71%
2011 5.528.237.000 -0.01%
2012 5.463.658.000 -1.18%
2013 6.533.363.000 16.37%
2014 16.234.800.000 59.76%
2015 21.288.490.000 23.74%
2016 21.869.767.000 2.66%
2017 24.994.876.000 12.5%
2018 25.731.354.000 2.86%
2019 26.770.806.000 3.88%
2020 29.498.442.000 9.25%
2021 40.443.344.000 27.06%
2022 41.228.936.000 1.91%
2023 36.877.833.000 -11.8%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PacWest Bancorp Liabilities
Year Liabilities Growth
1999 1.657.000
2000 330.515.000 99.5%
2001 714.920.000 53.77%
2002 1.799.585.000 60.27%
2003 2.084.764.000 13.68%
2004 2.672.978.000 22.01%
2005 2.725.633.000 1.93%
2006 4.384.995.000 37.84%
2007 4.040.688.000 -8.52%
2008 4.119.776.000 1.92%
2009 4.817.304.000 14.48%
2010 5.050.224.000 4.61%
2011 4.982.034.000 -1.37%
2012 4.874.537.000 -2.21%
2013 5.724.270.000 14.84%
2014 12.728.375.000 55.03%
2015 16.890.799.000 24.64%
2016 17.390.712.000 2.87%
2017 20.017.278.000 13.12%
2018 20.905.766.000 4.25%
2019 21.816.109.000 4.17%
2020 25.903.491.000 15.78%
2021 36.443.714.000 28.92%
2022 37.278.405.000 2.24%
2023 34.478.556.000 -8.12%

PacWest Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.15
Net Income per Share
-11.53
Price to Earning Ratio
-0.65x
Price To Sales Ratio
0.94x
POCF Ratio
1.74
PFCF Ratio
2.27
Price to Book Ratio
0.37
EV to Sales
0.77
EV Over EBITDA
-0.78
EV to Operating CashFlow
1.44
EV to FreeCashFlow
1.86
Earnings Yield
-1.53
FreeCashFlow Yield
0.44
Market Cap
0,90 Bil.
Enterprise Value
0,74 Bil.
Graham Number
72.45
Graham NetNet
-201.77

Income Statement Metrics

Net Income per Share
-11.53
Income Quality
-0.42
ROE
-0.47
Return On Assets
-0.04
Return On Capital Employed
-0.03
Net Income per EBT
0.92
EBT Per Ebit
1.5
Ebit per Revenue
-1.02
Effective Tax Rate
0.08

Margins

Sales, General, & Administrative to Revenue
0.45
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1
Operating Profit Margin
-1.02
Pretax Profit Margin
-1.54
Net Profit Margin
-1.41

Dividends

Dividend Yield
0.04
Dividend Yield %
3.71
Payout Ratio
-0.1
Dividend Per Share
0.28

Operating Metrics

Operating Cashflow per Share
4.34
Free CashFlow per Share
3.36
Capex to Operating CashFlow
-0.23
Capex to Revenue
-0.12
Capex to Depreciation
-1.23
Return on Invested Capital
-0.11
Return on Tangible Assets
-0.04
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.98

Balance Sheet

Cash per Share
89,04
Book Value per Share
20,24
Tangible Book Value per Share
20.03
Shareholders Equity per Share
20.24
Interest Debt per Share
58.73
Debt to Equity
2.46
Debt to Assets
0.16
Net Debt to EBITDA
0.18
Current Ratio
14.78
Tangible Asset Value
2,38 Bil.
Net Current Asset Value
-23,92 Bil.
Invested Capital
2.46
Working Capital
9,84 Bil.
Intangibles to Total Assets
0
Average Receivables
0,19 Bil.
Average Payables
0,70 Bil.
Average Inventory
0
Debt to Market Cap
6.53

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PacWest Bancorp Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 100%
2014 1 0%
2015 2 50%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 0%
2020 1 -100%
2021 1 0%
2022 1 0%
2023 0 0%

PacWest Bancorp Profile

About PacWest Bancorp

PacWest Bancorp operates as the bank holding company for Pacific Western Bank that provides various banking products and services. The company accepts demand, money market, and time deposits. It also provides real estate loans to professional developers and real estate investors for the acquisition, refinancing, renovation, and construction of commercial real estate properties; small business administration loans; asset-based loans for working capital needs; venture capital loans to support the operations of entrepreneurial and venture-backed companies; and equipment-secured loans and leases. In addition, the company offers consumer loans comprising personal loans, auto loans, home equity lines of credit, revolving lines of credit, and other loans. Further, it provides international banking and multi-state deposit services; money market sweep products; investment advisory and asset management services; treasury and cash management services; telephone banking, remote deposit, and online and mobile banking services; and automated teller machine services. The company offers its products and services to small and mid-sized companies, venture capital and private equity investors, professionals, and other individuals. As of February 1, 2022, it operated through 69 full-service branches located in California; one branch located in Durham, North Carolina; one branch located in Denver, Colorado; and various loan production offices. The company was formerly known as First Community Bancorp and changed its name to PacWest Bancorp in April 2008. PacWest Bancorp was founded in 1999 and is headquartered in Beverly Hills, California.

CEO
Mr. Paul W. Taylor
Employee
2.438
Address
9701 Wilshire Boulevard
Beverly Hills, 90212

PacWest Bancorp Executives & BODs

PacWest Bancorp Executives & BODs
# Name Age
1 Ms. Monica L. Sparks
Executive Vice President & Chief Accounting Officer
70
2 Mr. Mark T. Yung
Executive Vice President & Chief Operating Officer
70
3 Mr. William James Black Jr.
Executive Vice President of Strategy & Corporate Development
70
4 Ms. Angela Wolfe-M. Kelley
Executive Vice President, General Counsel & Corporate Secretary
70
5 Ms. Rebecca H. Cordes
Executive Vice President of Human Resources
70
6 Mr. Christopher D. Blake
Executive Vice President, President & Chief Executive Officer of Community Banking Group
70
7 Mr. Bryan M. Corsini
Chief Credit Officer & Executive Vice President
70
8 Mr. James J. Pieczynski
Executive Vice President
70
9 Mr. Bart R. Olson
Executive Vice President of Fin.
70
10 Mr. Kevin Lewis Thompson C.P.A.
Executive Vice President & Chief Financial Officer
70
11 Mr. Matthew P. Wagner
Executive Chairman
70
12 Mr. Kevin Lewis Thompson CPA
Executive Vice President & Chief Financial Officer
70

PacWest Bancorp Competitors