PACWEST BANCORP (PACW) Fundamental Analysis & Valuation

NASDAQ:PACW • US6952631033

Current stock price

7.54 USD
-0.21 (-2.71%)
At close:
7.6 USD
+0.06 (+0.8%)
After Hours:

This PACW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. PACW Profitability Analysis

1.1 Basic Checks

  • In the past year PACW was profitable.
  • In the past year PACW had a positive cash flow from operations.
PACW Yearly Net Income VS EBIT VS OCF VS FCFPACW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 0 500M -500M -1B

1.2 Ratios

  • The Return On Assets of PACW (-3.27%) is worse than 99.52% of its industry peers.
  • PACW's Return On Equity of -49.51% is on the low side compared to the rest of the industry. PACW is outperformed by 99.52% of its industry peers.
Industry RankSector Rank
ROA -3.27%
ROE -49.51%
ROIC N/A
ROA(3y)-0.59%
ROA(5y)0.35%
ROE(3y)-3.17%
ROE(5y)1.88%
ROIC(3y)N/A
ROIC(5y)N/A
PACW Yearly ROA, ROE, ROICPACW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 0 10 -10 -20 -30

1.3 Margins

  • PACW's Profit Margin has declined in the last couple of years.
  • PACW does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.15%
PM growth 5Y-1.85%
GM growth 3YN/A
GM growth 5YN/A
PACW Yearly Profit, Operating, Gross MarginsPACW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 0 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. PACW Health Analysis

2.1 Basic Checks

  • PACW does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PACW has about the same amout of shares outstanding than it did 1 year ago.
  • PACW has a worse debt/assets ratio than last year.
PACW Yearly Shares OutstandingPACW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M
PACW Yearly Total Debt VS Total AssetsPACW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 10B 20B 30B 40B

2.2 Solvency

  • PACW has a debt to FCF ratio of 18.17. This is a negative value and a sign of low solvency as PACW would need 18.17 years to pay back of all of its debts.
  • The Debt to FCF ratio of PACW (18.17) is worse than 83.93% of its industry peers.
  • PACW has a Debt/Equity ratio of 2.85. This is a high value indicating a heavy dependency on external financing.
  • PACW has a Debt to Equity ratio of 2.85. This is amonst the worse of the industry: PACW underperforms 95.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.85
Debt/FCF 18.17
Altman-Z N/A
ROIC/WACCN/A
WACC11.75%
PACW Yearly LT Debt VS Equity VS FCFPACW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PACW Yearly Current Assets VS Current LiabilitesPACW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. PACW Growth Analysis

3.1 Past

  • The earnings per share for PACW have decreased strongly by -44.42% in the last year.
  • PACW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.05% yearly.
  • The Revenue for PACW has decreased by -23.40% in the past year. This is quite bad
  • Measured over the past years, PACW shows a small growth in Revenue. The Revenue has been growing by 4.27% on average per year.
EPS 1Y (TTM)-44.42%
EPS 3Y-1.79%
EPS 5Y4.05%
EPS Q2Q%-78.43%
Revenue 1Y (TTM)-23.4%
Revenue growth 3Y5.67%
Revenue growth 5Y4.27%
Sales Q2Q%-83.81%

3.2 Future

  • Based on estimates for the next years, PACW will show a very negative growth in Earnings Per Share. The EPS will decrease by -46.83% on average per year.
  • The Revenue is expected to decrease by -16.73% on average over the next years. This is quite bad
EPS Next Y-87.54%
EPS Next 2Y-52.48%
EPS Next 3Y-46.83%
EPS Next 5YN/A
Revenue Next Year-45.69%
Revenue Next 2Y-18.18%
Revenue Next 3Y-16.73%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PACW Yearly Revenue VS EstimatesPACW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
PACW Yearly EPS VS EstimatesPACW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

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6

4. PACW Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 3.13, the valuation of PACW can be described as very cheap.
  • Based on the Price/Earnings ratio, PACW is valued cheaper than 98.32% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. PACW is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.37, the valuation of PACW can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, PACW is valued a bit cheaper than 69.54% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.42, PACW is valued rather cheaply.
Industry RankSector Rank
PE 3.13
Fwd PE 9.37
PACW Price Earnings VS Forward Price EarningsPACW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 96.88% of the companies in the same industry are more expensive than PACW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.25
EV/EBITDA N/A
PACW Per share dataPACW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • A cheap valuation may be justified as PACW's earnings are expected to decrease with -46.83% in the coming years.
PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y-52.48%
EPS Next 3Y-46.83%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. PACW Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.53%, PACW is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.78, PACW's dividend is way lower than its industry peers. On top of this 86.57% of the companies listed in the same industry pay a better dividend than PACW!
  • With a Dividend Yield of 0.53, PACW pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.53%

5.2 History

  • The dividend of PACW decreases each year by -10.10%.
  • PACW has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PACW has decreased its dividend recently.
Dividend Growth(5Y)-10.1%
Div Incr Years0
Div Non Decr Years1
PACW Yearly Dividends per sharePACW Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.5 1 1.5 2

5.3 Sustainability

  • PACW has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • PACW's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-10.37%
EPS Next 2Y-52.48%
EPS Next 3Y-46.83%
PACW Yearly Income VS Free CF VS DividendPACW Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 0 500M -500M -1B

More info and screens

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PACW Fundamentals: All Metrics, Ratios and Statistics

PACWEST BANCORP

NASDAQ:PACW (11/30/2023, 8:16:12 PM)

After market: 7.6 +0.06 (+0.8%)

7.54

-0.21 (-2.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24
Earnings (Next)01-24
Inst Owners0%
Inst Owner Change0%
Ins Owners0.92%
Ins Owner Change0%
Market Cap894.17M
Revenue(TTM)1.05B
Net Income(TTM)-1.25B
Analysts74.29
Price Target10.67 (41.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.53%
Yearly Dividend1.16
Dividend Growth(5Y)-10.1%
DP-10.37%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.29%
Min EPS beat(2)6.63%
Max EPS beat(2)27.95%
EPS beat(4)2
Avg EPS beat(4)-4.95%
Min EPS beat(4)-48.44%
Max EPS beat(4)27.95%
EPS beat(8)4
Avg EPS beat(8)-0.96%
EPS beat(12)7
Avg EPS beat(12)7.1%
EPS beat(16)8
Avg EPS beat(16)-0.14%
Revenue beat(2)0
Avg Revenue beat(2)-13.06%
Min Revenue beat(2)-23.17%
Max Revenue beat(2)-2.96%
Revenue beat(4)0
Avg Revenue beat(4)-12.63%
Min Revenue beat(4)-23.17%
Max Revenue beat(4)-2.96%
Revenue beat(8)2
Avg Revenue beat(8)-6.49%
Revenue beat(12)4
Avg Revenue beat(12)-3.99%
Revenue beat(16)6
Avg Revenue beat(16)-3.14%
PT rev (1m)2.45%
PT rev (3m)-9.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)25.78%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 3.13
Fwd PE 9.37
P/S 0.85
P/FCF 2.25
P/OCF 1.74
P/B 0.35
P/tB 0.36
EV/EBITDA N/A
EPS(TTM)2.41
EY31.96%
EPS(NY)0.8
Fwd EY10.67%
FCF(TTM)3.36
FCFY44.5%
OCF(TTM)4.34
OCFY57.52%
SpS8.87
BVpS21.36
TBVpS21.14
PEG (NY)N/A
PEG (5Y)0.77
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -3.27%
ROE -49.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 37.84%
ROA(3y)-0.59%
ROA(5y)0.35%
ROE(3y)-3.17%
ROE(5y)1.88%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.15%
PM growth 5Y-1.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.85
Debt/FCF 18.17
Debt/EBITDA N/A
Cap/Depr 178.26%
Cap/Sales 11.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC11.75%
ROIC/WACCN/A
Cap/Depr(3y)117.8%
Cap/Depr(5y)109.15%
Cap/Sales(3y)5.89%
Cap/Sales(5y)5.43%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-44.42%
EPS 3Y-1.79%
EPS 5Y4.05%
EPS Q2Q%-78.43%
EPS Next Y-87.54%
EPS Next 2Y-52.48%
EPS Next 3Y-46.83%
EPS Next 5YN/A
Revenue 1Y (TTM)-23.4%
Revenue growth 3Y5.67%
Revenue growth 5Y4.27%
Sales Q2Q%-83.81%
Revenue Next Year-45.69%
Revenue Next 2Y-18.18%
Revenue Next 3Y-16.73%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2.94%
FCF growth 3Y4.27%
FCF growth 5Y7.62%
OCF growth 1Y16.77%
OCF growth 3Y6.4%
OCF growth 5Y7.72%

PACWEST BANCORP / PACW Fundamental Analysis FAQ

What is the fundamental rating for PACW stock?

ChartMill assigns a fundamental rating of 2 / 10 to PACW.


What is the valuation status of PACWEST BANCORP (PACW) stock?

ChartMill assigns a valuation rating of 6 / 10 to PACWEST BANCORP (PACW). This can be considered as Fairly Valued.


How profitable is PACWEST BANCORP (PACW) stock?

PACWEST BANCORP (PACW) has a profitability rating of 2 / 10.


What is the expected EPS growth for PACWEST BANCORP (PACW) stock?

The Earnings per Share (EPS) of PACWEST BANCORP (PACW) is expected to decline by -87.54% in the next year.


Can you provide the dividend sustainability for PACW stock?

The dividend rating of PACWEST BANCORP (PACW) is 1 / 10 and the dividend payout ratio is -10.37%.