20.94 USD
-0.31 (-1.46%)
Last: Nov 30, 2023, 08:16 PM
We assign a fundamental rating of 1 out of 10 to PACWP. PACWP was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of PACWP have multiple concerns. PACWP has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- PACWP had positive earnings in the past year.
- In the past year PACWP had a positive cash flow from operations.
1.2 Ratios
- PACWP has a Return On Assets of -3.27%. This is amonst the worse of the industry: PACWP underperforms 99.76% of its industry peers.
- PACWP has a worse Return On Equity (-49.51%) than 99.76% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- PACWP's Profit Margin has declined in the last couple of years.
- The Profit Margin and Operating Margin and Gross Margin are not available for PACWP so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- PACWP does not have a ROIC to compare to the WACC, probably because it is not profitable.
- PACWP has about the same amout of shares outstanding than it did 1 year ago.
- The debt/assets ratio for PACWP is higher compared to a year ago.
2.2 Solvency
- PACWP has a debt to FCF ratio of 18.17. This is a negative value and a sign of low solvency as PACWP would need 18.17 years to pay back of all of its debts.
- The Debt to FCF ratio of PACWP (18.17) is worse than 84.17% of its industry peers.
- PACWP has a Debt/Equity ratio of 2.85. This is a high value indicating a heavy dependency on external financing.
- PACWP has a worse Debt to Equity ratio (2.85) than 95.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.85 | ||
| Debt/FCF | 18.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for PACWP have decreased strongly by -44.42% in the last year.
- Measured over the past 5 years, PACWP shows a small growth in Earnings Per Share. The EPS has been growing by 4.05% on average per year.
- PACWP shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -23.40%.
- Measured over the past years, PACWP 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
- PACWP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -46.83% yearly.
- PACWP 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 8.69, which indicates a very decent valuation of PACWP.
- Compared to the rest of the industry, the Price/Earnings ratio of PACWP is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, PACWP is valued rather cheaply.
- The Price/Forward Earnings ratio is 26.03, which means the current valuation is very expensive for PACWP.
- 78.18% of the companies in the same industry are cheaper than PACWP, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of PACWP to the average of the S&P500 Index (25.57), we can say PACWP is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.69 | ||
| Fwd PE | 26.03 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, PACWP is valued a bit cheaper than 73.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as PACWP's earnings are expected to decrease with -46.83% in the coming years.
PEG (NY)N/A
PEG (5Y)2.14
EPS Next 2Y-52.48%
EPS Next 3Y-46.83%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.53%, PACWP is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.67, PACWP's dividend is way lower than its industry peers. On top of this 86.81% of the companies listed in the same industry pay a better dividend than PACWP!
- Compared to an average S&P500 Dividend Yield of 1.83, PACWP's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.53% |
5.2 History
- The dividend of PACWP decreases each year by -10.10%.
- PACWP does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-10.1%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- PACWP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- PACWP'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%
PACWEST BANCORP - PACW 7 3/4 PERP / PACWP FAQ
What is the ChartMill fundamental rating of PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) stock?
ChartMill assigns a fundamental rating of 2 / 10 to PACWP.
What is the valuation status of PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) stock?
ChartMill assigns a valuation rating of 3 / 10 to PACWEST BANCORP - PACW 7 3/4 PERP (PACWP). This can be considered as Overvalued.
How profitable is PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) stock?
PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for PACWP stock?
The Price/Earnings (PE) ratio for PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) is 8.69 and the Price/Book (PB) ratio is 0.98.
What is the expected EPS growth for PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) stock?
The Earnings per Share (EPS) of PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) is expected to decline by -87.54% in the next year.