OTCPK:PWBO

Stock Analysis Report

Executive Summary

Pacific West Bank provides banking products and services to small and medium-sized businesses, and individuals in Clackamas County, Oregon.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-0.8%

PWBO

1.4%

US Banks

1.0%

US Market


1 Year Return

n/a

PWBO

0.2%

US Banks

6.7%

US Market

Return vs Industry: Insufficient data to determine how PWBO performed against the US Banks industry.

Return vs Market: Insufficient data to determine how PWBO performed against the US Market.


Share holder returns

PWBOIndustryMarket
7 Day-0.8%1.4%1.0%
30 Day-0.6%-2.6%-1.8%
90 Day-2.0%0.8%-1.8%
1 Yearn/a3.1%0.2%9.1%6.7%
3 Year46.0%46.0%52.0%41.5%46.0%36.6%
5 Year52.3%52.3%69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

1.09x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Undervalued: Insufficient data to calculate PWBO's fair value to establish if it is undervalued.

Significantly Undervalued: Insufficient data to calculate PWBO's fair value to establish if it is undervalued.


Price Based on Earnings

PE vs Industry: PWBO is unprofitable, so we can't compare its PE Ratio to the Banks industry average.

PE vs Market: PWBO is unprofitable, so we can't compare its PE Ratio to the US market.


Price Based on Expected Growth

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


Price Based on Value of Assets

PB vs Industry: PWBO is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

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

1.3%

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 West 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

Past Performance

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

-18.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: PWBO is unprofitable, and losses have increased over the past 5 years at a rate of -18.8% per year.

Accelerating Growth: Unable to compare PWBO's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: PWBO is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (31.8%).


Return on Equity

High ROE: PWBO has a negative Return on Equity (-4.54%), as it is currently unprofitable.


Return on Assets

ROA vs Industry: PWBO is currently unprofitable, so its Return on Assets is negative.


Return on Capital Employed

ROCE Improving: PWBO is currently unprofitable, so its Return on Capital Employed is negative.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: PWBO has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if PWBO's debt is covered by short term assets.


Financial Institutions Analysis

Asset Level: PWBO's level of assets compared to its equity is low.

Allowance for Bad Loans: PWBO has a sufficient allowance for bad loans.

Low Risk Liabilities: PWBO's liabilities are made up of primarily low risk sources of funding.

Loan Level: PWBO has an acceptable proportion of non-loan assets held.

Low Risk Deposits: PWBO's loans are broadly funded by customer deposits.

Level of Bad Loans: PWBO has an appropriate level of bad loans (0.12%)


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate PWBO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate PWBO's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if PWBO's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PWBO's dividend payments have been increasing.


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: No need to calculate the sustainability of PWBO's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

1.2yrs

Average management tenure


CEO

Terry Peterson (63yo)

0.9yrs

Tenure

0

Mr. Terry A. Peterson is the Chief Executive Officer of Pacific West Bank since November 2018 and Director since January 2019. Mr. Peterson serves as President of Pacific West Bank since 2019. He served as ...


Management Age and Tenure

1.2yrs

Average Tenure

Experienced Management: PWBO's management team is not considered experienced ( 1.2 years average tenure), which suggests a new team.


Board Age and Tenure

15.8yrs

Average Tenure

60yo

Average Age

Experienced Board: PWBO's board of directors are seasoned and experienced ( 15.8 years average tenure).


Insider Trading

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


Ownership Breakdown


Management Team

  • Terry Peterson (63yo)

    President

    • Tenure: 0.9yrs
  • Michele Baker

    Senior VP & Chief Credit Officer

    • Tenure: 1.4yrs
  • Jason Wessling

    Senior VP & CFO

    • Tenure: 0.7yrs
  • Ben Mansehim

    Senior VP & COO

    • Tenure: 1.4yrs

Board Members

  • Ed Kawasaki (60yo)

    Chairman of the board

    • Tenure: 0yrs
  • Dan Taylor (61yo)

    Director

    • Tenure: 15.8yrs
  • Steven Miller (58yo)

    Director

    • Tenure: 15.8yrs
  • Mike Kelley (60yo)

    Director

    • Tenure: 15.8yrs
  • Tim Hysell (56yo)

    Director

    • Tenure: 15.8yrs
  • Terry Peterson (63yo)

    President

    • Tenure: 0.9yrs
  • Joey Warmenhoven

    Director

    • Tenure: 3.8yrs
  • Craig Ostbo (65yo)

    Director

    • Tenure: 12.8yrs

Company Information

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


Key Information

  • Name: Pacific West Bank
  • Ticker: PWBO
  • Exchange: OTCPK
  • Founded: 2004
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$37.531m
  • Shares outstanding: 2.65m
  • Website: https://www.bankpacificwest.com

Number of Employees


Location

  • Pacific West Bank
  • 2040 8th Avenue
  • West Linn
  • Oregon
  • 97068
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PWBOOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 2005

Biography

Pacific West Bank provides banking products and services to small and medium-sized businesses, and individuals in Clackamas County, Oregon. The company offers deposit products, including checking, savings, ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 01:53
End of Day Share Price2019/10/10 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.

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