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

NASDAQ:PACWP • US6952632023

20.94 USD
-0.31 (-1.46%)
Last: Nov 30, 2023, 08:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

1

PACWP gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 379 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.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • PACWP had positive earnings in the past year.
  • PACWP had a positive operating cash flow in the past year.
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

  • PACWP's Return On Assets of -3.27% is on the low side compared to the rest of the industry. PACWP is outperformed by 99.76% of its industry peers.
  • PACWP has a Return On Equity of -49.51%. This is amonst the worse of the industry: PACWP underperforms 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. Health

2.1 Basic Checks

  • PACWP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PACWP remains at a similar level compared to 1 year ago.
  • Compared to 1 year ago, PACWP has a worse debt to assets ratio.
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

  • 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.
  • With a Debt to FCF ratio value of 18.17, PACWP is not doing good in the industry: 84.17% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 2.85 is on the high side and indicates that PACWP has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.85, PACWP is not doing good in the industry: 95.92% 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
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. Growth

3.1 Past

  • PACWP 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.
  • Looking at the last year, PACWP shows a very negative growth in Revenue. The Revenue has decreased by -23.40% in the last year.
  • PACWP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.27% yearly.
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.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.69 indicates a reasonable valuation of PACWP.
  • PACWP's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of PACWP to the average of the S&P500 Index (27.13), we can say PACWP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 26.03 indicates a quite expensive valuation of PACWP.
  • 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.
  • PACWP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.11.
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

  • PACWP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PACWP is cheaper than 73.38% of the companies in the same industry.
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

  • 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%

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

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5. Dividend

5.1 Amount

  • With a yearly dividend of 0.53%, PACWP is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.53, PACWP pays less dividend than the industry average, which is at 2.73. 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 1.82, PACWP's dividend is way lower than the S&P500 average.
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

  • The earnings of PACWP are negative and hence is the payout ratio. PACWP will probably not be able to sustain this dividend level.
  • 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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Find the best dividend stocksShow peers with best dividend

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 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.