PACWEST BANCORP - PACW 7 3/4 PERP (PACWP) Fundamental Analysis & Valuation

NASDAQ:PACWP • US6952632023

Current stock price

20.94 USD
-0.31 (-1.46%)
Last:

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

1

1. PACWP Profitability Analysis

1.1 Basic Checks

  • In the past year PACWP was profitable.
  • In the past year PACWP had a positive cash flow from operations.
PACWP Yearly Net Income VS EBIT VS OCF VS FCFPACWP 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 PACWP (-3.27%) is worse than 99.76% of its industry peers.
  • PACWP's Return On Equity of -49.51% is on the low side compared to the rest of the industry. PACWP is outperformed by 99.76% 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
PACWP Yearly ROA, ROE, ROICPACWP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 0 10 -10 -20 -30

1.3 Margins

  • In the last couple of years the Profit Margin of PACWP has declined.
  • PACWP 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
PACWP Yearly Profit, Operating, Gross MarginsPACWP 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. PACWP Health Analysis

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.
  • PACWP has a worse debt/assets ratio than last year.
PACWP Yearly Shares OutstandingPACWP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M
PACWP Yearly Total Debt VS Total AssetsPACWP 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

  • The Debt to FCF ratio of PACWP is 18.17, which is on the high side as it means it would take PACWP, 18.17 years of fcf income to pay off all of its debts.
  • PACWP has a worse Debt to FCF ratio (18.17) 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 Debt to Equity ratio of 2.85. This is amonst the worse of the industry: PACWP underperforms 95.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.85
Debt/FCF 18.17
Altman-Z N/A
ROIC/WACCN/A
WACC10.54%
PACWP Yearly LT Debt VS Equity VS FCFPACWP 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
PACWP Yearly Current Assets VS Current LiabilitesPACWP 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. PACWP Growth Analysis

3.1 Past

  • PACWP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.42%.
  • 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.
  • Looking at the last year, PACWP shows a very negative growth in Revenue. The Revenue has decreased by -23.40% in the last year.
  • 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

  • The Earnings Per Share is expected to decrease by -46.83% on average over the next years. This is quite bad
  • 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PACWP Yearly Revenue VS EstimatesPACWP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
PACWP Yearly EPS VS EstimatesPACWP 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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3

4. PACWP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.69 indicates a reasonable valuation of PACWP.
  • The rest of the industry has a similar Price/Earnings ratio as PACWP.
  • The average S&P500 Price/Earnings ratio is at 25.23. PACWP is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 26.03, the valuation of PACWP can be described as expensive.
  • PACWP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PACWP is more expensive than 78.18% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PACWP to the average of the S&P500 Index (22.51), we can say PACWP is valued inline with the index average.
Industry RankSector Rank
PE 8.69
Fwd PE 26.03
PACWP Price Earnings VS Forward Price EarningsPACWP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 73.38% of the companies in the same industry are more expensive than PACWP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.24
EV/EBITDA N/A
PACWP Per share dataPACWP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • PACWP'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)2.14
EPS Next 2Y-52.48%
EPS Next 3Y-46.83%

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

0

5. PACWP Dividend Analysis

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 2.78, 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!
  • With a Dividend Yield of 0.53, PACWP 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 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
PACWP Yearly Dividends per sharePACWP Yearly Dividends per shareYearly Dividends per share 2022 2023 0.5 1 1.5

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%
PACWP Yearly Income VS Free CF VS DividendPACWP 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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PACWP Fundamentals: All Metrics, Ratios and Statistics

PACWEST BANCORP - PACW 7 3/4 PERP

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

20.94

-0.31 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24
Earnings (Next)01-24
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.48B
Revenue(TTM)1.05B
Net Income(TTM)-1.25B
Analysts74.29
Price Target27.65 (32.04%)
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 Years1
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)-7.83%
PT rev (3m)-9.67%
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 8.69
Fwd PE 26.03
P/S 2.36
P/FCF 6.24
P/OCF 4.83
P/B 0.98
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)2.41
EY11.51%
EPS(NY)0.8
Fwd EY3.84%
FCF(TTM)3.36
FCFY16.02%
OCF(TTM)4.34
OCFY20.71%
SpS8.87
BVpS21.36
TBVpS21.14
PEG (NY)N/A
PEG (5Y)2.14
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
WACC10.54%
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 7 3/4 PERP / PACWP Fundamental Analysis 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.