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PACWEST BANCORP (PACW) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:PACW - US6952631033 - Common Stock

7.54 USD
-0.21 (-2.71%)
Last: 11/30/2023, 8:16:12 PM
7.6 USD
+0.06 (+0.8%)
After Hours: 11/30/2023, 8:16:12 PM
Fundamental Rating

1

Taking everything into account, PACW scores 1 out of 10 in our fundamental rating. PACW was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of PACW have multiple concerns. PACW has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

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

Looking at the Return On Assets, with a value of -3.27%, PACW is doing worse than 99.52% of the companies in the same industry.
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.
The Profit Margin and Operating Margin and Gross Margin are not available for PACW so they could not be analyzed.
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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0

2. Health

2.1 Basic Checks

PACW does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PACW has about the same amount of shares outstanding.
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.
PACW has a worse Debt to FCF ratio (18.17) 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.
With a Debt to Equity ratio value of 2.85, PACW is not doing good in the industry: 95.68% of the companies in the same industry are doing better.
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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1

3. Growth

3.1 Past

PACW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.42%.
The Earnings Per Share has been growing slightly by 4.05% on average over the past years.
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

The Earnings Per Share is expected to decrease by -46.83% on average over the next years. This is quite bad
PACW is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -16.73% yearly.
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. Valuation

4.1 Price/Earnings Ratio

PACW is valuated cheaply with a Price/Earnings ratio of 3.13.
Based on the Price/Earnings ratio, PACW is valued cheaply inside the industry as 98.32% of the companies are valued more expensively.
PACW's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
The Price/Forward Earnings ratio is 9.37, which indicates a very decent valuation of PACW.
Based on the Price/Forward Earnings ratio, PACW is valued a bit cheaper than the industry average as 69.54% of the companies are valued more expensively.
PACW is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
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

Based on the Price/Free Cash Flow ratio, PACW is valued cheaply inside the industry as 96.88% of the companies are valued more expensively.
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

PACW's earnings are expected to decrease with -46.83% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y-52.48%
EPS Next 3Y-46.83%

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1

5. Dividend

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 2.86, 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 1.90.
Industry RankSector Rank
Dividend Yield 0.53%

5.2 History

The dividend of PACW decreases each year by -10.10%.
PACW has paid a dividend for at least 10 years, which is 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.
The Dividend Rate of PACW has been decling, while earnings will also be 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

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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 2023-10-24/bmo
Earnings (Next)01-24 2024-01-24/amc
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 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%.