Partners Bank of California Logo

Partners Bank of California

PBKX

(0.0)
Stock Price

9,99 USD

1.09% ROA

10.89% ROE

7.83x PER

Market Cap.

41.318.548,00 USD

43.01% DER

0% Yield

29.92% NPM

Partners Bank of California Stock Analysis

Partners Bank of California 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.

Partners Bank of California Fundamental Stock Analysis
# Analysis Rating
1 ROE

Unidentified ROE

2 ROA

Unidentified ROA

3 PBV

Unidentified ROA

4 DER

Unidentified DER

5 Revenue Growth

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

6 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.

7 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Graham Number

Unidentified Graham Number

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (0) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Partners Bank of California 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.

Partners Bank of California Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Partners Bank of California 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.

Partners Bank of California Revenue
Year Revenue Growth
2016 6.099.000
2017 7.700.000 20.79%
2018 9.115.000 15.52%
2019 11.147.000 18.23%
2020 15.106.000 26.21%
2021 15.267.000 1.05%
2022 15.842.000 3.63%
2023 17.008.000 6.86%
2023 17.331.000 1.86%
2024 19.392.000 10.63%

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.

Partners Bank of California Research and Development Expenses
Year Research and Development Expenses Growth
2016 0
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 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.

Partners Bank of California General and Administrative Expenses
Year General and Administrative Expenses Growth
2016 0
2017 0 0%
2018 0 0%
2019 673.000 100%
2020 667.000 -0.9%
2021 846.000 21.16%
2022 714.000 -18.49%
2023 0 0%
2023 0 0%
2024 0 0%

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.

Partners Bank of California EBITDA
Year EBITDA Growth
2016 0
2017 0 0%
2018 2.242.141 100%
2019 3.324.000 32.55%
2020 3.420.000 2.81%
2021 604.000 -466.23%
2022 5.244.000 88.48%
2023 0 0%
2023 0 0%
2024 7.744.000 100%

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.

Partners Bank of California Gross Profit
Year Gross Profit Growth
2016 6.099.000
2017 7.700.000 20.79%
2018 9.115.000 15.52%
2019 10.821.000 15.77%
2020 11.944.000 9.4%
2021 15.267.000 21.77%
2022 15.142.000 -0.83%
2023 17.008.000 10.97%
2023 17.331.000 1.86%
2024 19.392.000 10.63%

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.

Partners Bank of California Net Profit
Year Net Profit Growth
2016 825.000
2017 700.000 -17.86%
2018 1.426.000 50.91%
2019 2.064.000 30.91%
2020 2.166.000 4.71%
2021 4.515.000 52.03%
2022 3.545.000 -27.36%
2023 4.652.000 23.8%
2023 4.530.000 -2.69%
2024 5.372.000 15.67%

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.

Partners Bank of California Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2016 0
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 0 0%
2023 0 0%
2024 0 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.

Partners Bank of California Free Cashflow
Year Free Cashflow Growth
2016 0
2017 0 0%
2018 2.534.000 100%
2019 2.975.000 14.82%
2020 4.012.000 25.85%
2021 5.354.000 25.07%
2022 4.433.000 -20.78%
2023 0 0%
2023 0 0%
2024 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.

Partners Bank of California Operating Cashflow
Year Operating Cashflow Growth
2016 0
2017 0 0%
2018 2.791.000 100%
2019 3.267.000 14.57%
2020 4.333.000 24.6%
2021 5.448.000 20.47%
2022 4.545.000 -19.87%
2023 0 0%
2023 0 0%
2024 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.

Partners Bank of California Capital Expenditure
Year Capital Expenditure Growth
2016 0
2017 0 0%
2018 257.000 100%
2019 292.000 11.99%
2020 321.000 9.03%
2021 94.000 -241.49%
2022 112.000 16.07%
2023 0 0%
2023 0 0%
2024 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.

Partners Bank of California Equity
Year Equity Growth
2016 22.187.000
2017 23.172.000 4.25%
2018 27.713.000 16.39%
2019 33.247.000 16.65%
2020 35.795.000 7.12%
2021 40.784.000 12.23%
2022 45.177.000 9.72%
2023 47.595.000 5.08%
2023 50.373.000 5.51%
2024 53.482.000 5.81%

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.

Partners Bank of California Assets
Year Assets Growth
2016 189.039.000
2017 198.142.000 4.59%
2018 257.878.000 23.16%
2019 307.763.000 16.21%
2020 406.528.000 24.29%
2021 401.683.000 -1.21%
2022 472.444.000 14.98%
2023 0 0%
2023 487.602.000 100%
2024 482.931.000 -0.97%

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.

Partners Bank of California Liabilities
Year Liabilities Growth
2016 0
2017 0 0%
2018 49.000 100%
2019 274.516.000 99.98%
2020 370.733.000 25.95%
2021 360.899.000 -2.72%
2022 427.267.000 15.53%
2023 49.000.000 -771.97%
2023 30.000.000 -63.33%
2024 23.000.000 -30.43%

Partners Bank of California Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.13
Net Income per Share
1.18
Price to Earning Ratio
7.83x
Price To Sales Ratio
2.24x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.77
EV to Sales
-0.74
EV Over EBITDA
-2.36
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.13
FreeCashFlow Yield
0
Market Cap
0,04 Bil.
Enterprise Value
-0,01 Bil.
Graham Number
17.84
Graham NetNet
12.3

Income Statement Metrics

Net Income per Share
1.18
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
-0
Net Income per EBT
0.69
EBT Per Ebit
-19.22
Ebit per Revenue
-0.02
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.01
Operating Profit Margin
-0.02
Pretax Profit Margin
0.43
Net Profit Margin
0.3

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
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

Balance Sheet

Cash per Share
17,45
Book Value per Share
102,96
Tangible Book Value per Share
102.96
Shareholders Equity per Share
11.97
Interest Debt per Share
6.58
Debt to Equity
0.43
Debt to Assets
0.05
Net Debt to EBITDA
-9.53
Current Ratio
0
Tangible Asset Value
0,46 Bil.
Net Current Asset Value
0,05 Bil.
Invested Capital
77947000
Working Capital
0,08 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.56

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.

Partners Bank of California Dividends
Year Dividends Growth

Partners Bank of California Profile

About Partners Bank of California

Partners Bank of California provides personal and business banking products and services to individuals and businesses in California. The company offers checking, savings, money market, and NOW accounts; certificates of deposits; treasury management services; business credit cards; buy-in loans; banking services for physicians; and online and mobile banking services. It also provides commercial lending solutions, including commercial real estate, business, construction, and small business administration and government guaranteed loans, as well as commercial lines of credit. The company was incorporated in 2007 and is headquartered in Mission Viejo, California.

CEO
Mr. Mohamed Michael Ahmar
Employee
0
Address
27201 Puerta Real
Mission Viejo, 92691

Partners Bank of California Executives & BODs

Partners Bank of California Executives & BODs
# Name Age
1 Mr. Kirk S. Colburn
Executive Vice President, Chief Operating Officer & Chief Financial Officer
70
2 Ms. Kendra Coffey CFP
Executive Vice President & Chief Administrative Officer
70
3 Mr. Gregory N. Patton
Executive Vice President & Chief Credit Officer
70
4 Mr. Mohamed Michael Ahmar
Executive Chairman of the Board
70
5 Mr. Michael Chambers
President, Chief Banking Officer & Director
70

Partners Bank of California Competitors