OTCPK:GPBI

Stock Analysis Report

Golden Pacific Bancorp

Executive Summary

Golden Pacific Bancorp, Inc. operates as a bank holding company for Golden Pacific Bank, NA that offers personal and commercial banking services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • No data on Golden Pacific Bancorp's last earnings update.
  • Golden Pacific Bancorp is not covered by any analysts.
  • No market cap data available for Golden Pacific Bancorp.

Share Price & News

How has Golden Pacific Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:GPBI

0.3%

US Banks

0.9%

US Market


1 Year Return

n/a

OTCPK:GPBI

-13.6%

US Banks

0.3%

US Market

No trading data on GPBI.

No trading data on GPBI.


Share holder returns

GPBIIndustryMarket
7 Day0%0.3%0.9%
30 Dayn/a-5.1%-1.9%
90 Dayn/a-3.5%1.6%
1 Yearn/a-11.2%-13.6%2.6%0.3%
3 Yearn/a43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Golden Pacific Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Golden Pacific Bancorp undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether Golden Pacific Bancorp is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Golden Pacific Bancorp has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of GPBI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Golden Pacific Bancorp regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Golden Pacific Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Golden Pacific Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of GPBI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Golden Pacific Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Golden Pacific Bancorp performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Golden Pacific Bancorp has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Golden Pacific Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Golden Pacific Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Golden Pacific Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of GPBI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Golden Pacific Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Golden Pacific Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Golden Pacific Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Golden Pacific Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Golden Pacific Bancorp has not reported any payouts.

Unable to verify if Golden Pacific Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Golden Pacific Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Golden Pacific Bancorp's salary, the management and board of directors tenure and is there insider trading?

4.8yrs

Average management tenure


CEO

Virginia Varela (59yo)

5.7yrs

Tenure

0

Ms. Virginia Varela serves as Chief Executive Officer and President of Golden Pacific Bancorp, Inc. Ms. Varela serves as Chief Executive Officer and President of Golden Pacific Bank and served as its Chief ...


Management Age and Tenure

4.8yrs

Average Tenure

The tenure for the Golden Pacific Bancorp management team is about average.


Board Age and Tenure

4.4yrs

Average Tenure

The tenure for the Golden Pacific Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • John Kay

    Executive Vice President and Commercial Banking Manager of Golden Pacific Bank

    • Tenure: 0.0yrs
  • Virginia Varela (59yo)

    President

    • Tenure: 5.7yrs
  • Malcolm Hotchkiss (70yo)

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs
  • Joe McClure

    Executive VP & Chief Business Officer

    • Tenure: 0.0yrs
  • Matt Klinker

    CFO & Executive VP

    • Tenure: 0.6yrs
  • Heather Luzzi

    Senior Vice President and Managing Director of SBA Lending

    • Tenure: 4.8yrs

Board Members

  • David Roche

    Chairman of the Board

    • Tenure: 2.6yrs
  • Robert Aguallo

    Director

    • Tenure: 0.0yrs
  • Patricia Fong Kushida

    Director

    • Tenure: 0.0yrs
  • Rick Fowler

    Director

    • Tenure: 0.0yrs
  • Virginia Varela (59yo)

    President

    • Tenure: 5.7yrs
  • Kelly Wong (60yo)

    • Tenure: 0.0yrs
  • Tony Russo

    Director and Director of Golden Pacific Bank

    • Tenure: 4.4yrs
  • John Shirey

    Director

    • Tenure: 0.0yrs

Company Information

Golden Pacific Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Golden Pacific Bancorp, Inc.
  • Ticker: GPBI
  • Exchange: OTCPK
  • Founded: 2003
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.goldenpacificbank.com

Location

  • Golden Pacific Bancorp, Inc.
  • 1409 28th Street
  • Sacramento
  • California
  • 95816
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GPBIOTCPK (Pink Sheets LLC)YesCOMUSUSDAug 2018

Biography

Golden Pacific Bancorp, Inc. operates as a bank holding company for Golden Pacific Bank, NA that offers personal and commercial banking services. It offers checking, savings, money market, and individual r ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 00:43
End of Day Share Price2019/08/01 00:00
EarningsN/A
Annual EarningsN/A


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.