Pacific West Bancorp (PWBK)
OTHER OTC:PWBK
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Pacific West Bancorp
(OTC:PWBK)
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Rating:58Neutral
Price Target:
$12.50
▲(4.17% Upside)
Action:Reiterated
Date:04/13/26
The score is primarily driven by improving financial performance (revenue growth, reduced leverage, and a return to profitability), tempered by a still-uneven earnings/cash-flow track record and modest current returns. Technical indicators are broadly neutral with mild positive momentum, while valuation is a key headwind due to the high P/E and lack of dividend support.
Positive Factors
Top-line Growth
Sustained revenue growth through 2025 indicates consistent market demand and commercial traction. A steadily expanding top line provides a larger base for margin expansion, supports scale economics, and increases optionality for reinvestment or strategic initiatives over the next 2–6 months and beyond.
Negative Factors
Thin Profitability
Very low net margins and sub-2% ROE constrain the bank's ability to generate shareholder value and internally fund growth. Persistently thin returns increase sensitivity to revenue swings and credit costs, limiting strategic flexibility and reducing the margin for error over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Top-line Growth
Sustained revenue growth through 2025 indicates consistent market demand and commercial traction. A steadily expanding top line provides a larger base for margin expansion, supports scale economics, and increases optionality for reinvestment or strategic initiatives over the next 2–6 months and beyond.
Read all positive factors
Pacific West Bancorp (PWBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$31.60M
Dividend YieldN/A
Average Volume (3M)1.89K
Price to Earnings (P/E)42.3
Beta (1Y)0.17
Revenue Growth11.09%
EPS GrowthN/A
CountryUS
Employees16
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.06
Shares Outstanding2,671,399
10 Day Avg. Volume1,689
30 Day Avg. Volume1,890
Financial Highlights & Ratios
PEG Ratio-0.17
Price to Book (P/B)0.87
Price to Sales (P/S)1.55
P/FCF Ratio20.93
Enterprise Value/Market Cap-0.56
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Pacific West Bancorp Business Overview & Revenue Model
Company Description
Pacific West Bancorp offers a comprehensive array of financial products and services, specifically designed for businesses, non-profit organizations, and individual clients. The institution provides diverse deposit solutions, including various che...
How the Company Makes Money
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Pacific West Bancorp Financial Statement Overview
Summary
Income Statement
61
Positive
Balance Sheet
70
Positive
Cash Flow
56
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 19.91M | 18.05M | 15.13M | 12.23M | 10.36M |
| Gross Profit | 11.57M | 9.52M | 10.03M | 11.34M | 9.81M |
| EBITDA | 1.10M | -137.70K | 39.31K | 2.80M | 2.62M |
| Net Income | 646.00K | -337.96K | -242.00K | 1.84M | 1.51M |
Balance Sheet | |||||
| Total Assets | 386.03M | 328.80M | 320.23M | 281.87M | 274.69M |
| Cash, Cash Equivalents and Short-Term Investments | 53.52M | 13.28M | 11.44M | 16.48M | 30.90M |
| Total Debt | 5.04M | 21.05M | 46.42M | 6.82M | 7.11M |
| Total Liabilities | 350.38M | 294.91M | 286.18M | 247.84M | 239.57M |
| Stockholders Equity | 35.65M | 33.89M | 34.05M | 34.03M | 35.12M |
Cash Flow | |||||
| Free Cash Flow | 1.48M | -1.22M | 147.25K | 3.78M | 1.26M |
| Operating Cash Flow | 1.82M | -1.16M | 994.14K | 3.99M | 1.30M |
| Investing Cash Flow | -16.32M | -6.47M | -41.44M | -27.01M | -61.13M |
| Financing Cash Flow | 55.24M | 9.72M | 37.14M | 8.81M | 61.15M |
Pacific West Bancorp Technical Analysis
Negative
12.00
Price Trends
11.91
Negative
11.87
Negative
11.81
Positive
Market Momentum
-0.03
Positive
46.00
Neutral
35.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PWBK, the sentiment is Negative. The current price of 12 is above the 20-day moving average (MA) of 11.97, above the 50-day MA of 11.91, and above the 200-day MA of 11.81, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 46.00 is Neutral, neither overbought nor oversold. The STOCH value of 35.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PWBK.
Pacific West Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $61.05M | 10.18 | 9.28% | 3.21% | 5.66% | 79.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $31.60M | 42.27 | 2.04% | ― | 11.09% | ― | |
58 Neutral | $38.49M | 27.40 | 1.71% | ― | 10.06% | ― | |
55 Neutral | $22.83M | -0.81 | -23.19% | 4.10% | -18.73% | -401.58% |
* Financial Sector Average
PWBK
Pacific West Bancorp
11.83
1.67
16.44%
CARV
Carver Bancorp
1.40
-0.26
-15.42%
HFBL
Home Federal Bancorp Of Louisiana
19.99
6.69
50.32%
KFFB
Kentucky First Federal Bancorp
4.76
2.08
77.61%
BAFN
BayFirst Financial Corp
5.56
-9.31
-62.61%
MBBC
Marathon Bancorp
14.40
4.40
44.00%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.