OTCPK:PFBN

Stock Analysis Report

Pacific Alliance Bank

Executive Summary

Pacific Alliance Bank provides commercial banking products and services for businesses, client communities, related business owners, owner's families, and employees in California.


Snowflake Analysis

Not a dividend payer with weak fundamentals.


Similar Companies

Share Price & News

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


Latest Share Price and Events

Stable Share Price: PFBN's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-1.4%

PFBN

-7.0%

US Banks

-2.6%

US Market


1 Year Return

n/a

PFBN

-32.9%

US Banks

-13.3%

US Market

Return vs Industry: PFBN exceeded the US Banks industry which returned -32.9% over the past year.

Return vs Market: PFBN underperformed the US Market which returned -15.1% over the past year.


Shareholder returns

PFBNIndustryMarket
7 Day-1.4%-7.0%-2.6%
30 Day-25.8%-24.6%-15.2%
90 Day-31.9%-41.9%-22.2%
1 Yearn/a-30.8%-32.9%-11.5%-13.3%
3 Yearn/a-21.4%-27.3%13.2%5.7%
5 Year2.7%0.7%2.7%-9.2%31.8%17.2%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Pacific Alliance Bank undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Below Fair Value: PFBN ($7.05) is trading above our estimate of fair value ($5.93)

Significantly Below Fair Value: PFBN is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate PFBN's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate PFBN's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate PFBN's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate PFBN's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is Pacific Alliance Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-2.8%

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 Pacific Alliance Bank 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 PFBN’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 Pacific Alliance Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Pacific Alliance Bank performed over the past 5 years?

16.3%

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, Pacific Alliance Bank 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 Pacific Alliance Bank's financial position?


In this section we usually analyse Pacific Alliance Bank'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. Pacific Alliance Bank 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 PFBN’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 Pacific Alliance Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Pacific Alliance Bank's current dividend yield, its reliability and sustainability?

5.67%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: PFBN's dividend (5.67%) is higher than the bottom 25% of dividend payers in the US market (2.05%).

High Dividend: PFBN's dividend (5.67%) is low compared to the top 25% of dividend payers in the US market (5.71%).


Stability and Growth of Payments

Stable Dividend: Too early to tell whether PFBN's dividend payments have been stable as they only just started paying a dividend.

Growing Dividend: Too early to tell if PFBN's dividend payments are increasing as they only just started paying a dividend.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Benjamin J. Lin

2.83s

Tenure

Mr. Benjamin J. B. Lin has been the President and Chief Executive Officer of Pacific Alliance Bank since June 26, 2017, he also serves as its Director. Mr. Lin served as the Chief Executive Officer and Pre ...


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

Pacific Alliance Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Pacific Alliance Bank
  • Ticker: PFBN
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.pacificalliancebank.com

Location

  • Pacific Alliance Bank
  • 8400 East Valley Boulevard
  • Rosemead
  • California
  • 91770
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PFBNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 2007

Biography

Pacific Alliance Bank provides commercial banking products and services for businesses, client communities, related business owners, owner's families, and employees in California. The company offers checking and savings accounts. Its loan products include SBA 7A loans; SBA 504 loans for professional practitioners, manufacturers, warehousing, production, distribution, imports, and others; and commercial loans, such as commercial real estate and construction loans, revolving lines of credit and loans for equipment, and revolving lines of credit for working capital, as well as commercial loans for manufacturers, export/importers, distributers, service industry companies, and investors. The company also provides remote deposit capture, direct deposit, wire transfer, and Internet banking services; electronic federal tax payment system services; and VISA debit cards, safe deposit boxes, and cashier’s checks. Pacific Alliance Bank was founded in 2006 and is headquartered in Rosemead, California. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/07 07:00
End of Day Share Price2020/04/03 00:00
Earnings2007/12/31
Annual Earnings2007/12/31


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.