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Market Price

32.40 

-0.80 -2.4%

as of Jul 15 '19

52 Week Range:

27.83 45.49


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

PacWest Bancorp operates as the holding company for Pacific Western Bank, a state chartered bank that provides commercial banking products and services. The company accepts demand, money market, and time deposits. It also provides real estate loans to professional developers and real estate investors for the acquisition, refinancing, and construction of commercial real estate properties; small business administration loans; asset-based loans for working capital needs; venture capital loans to support the start-up operations of entrepreneurial companies; and equipment-secured loans and leases. In addition, the company offers consumer loans comprising personal loans, auto loans, home equity lines of credit, revolving lines of credit, and other loans. Further, it provides international banking and multi-state deposit services; money market sweep products; investment advisory and asset management services; treasury and cash management services; telephone banking, and online and mobile banking services; and foreign exchange and ATM services. The company offers its products and services to small and mid-sized companies, entrepreneurial businesses and their venture capital, private equity investors, professionals, and other individuals. As of January 31, 2019, it had 74 full-service branches located throughout the state of California; and 1 branch in Durham, North Carolina. The company was formerly known as First Community Bancorp and changed its name to PacWest Bancorp in April 2008. PacWest Bancorp was founded in 1999 and is headquartered in Beverly Hills, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 12.96
27.78
27.00
35.43
30.32
33.67
growth rate 114.4% -2.8% 31.2% -14.4% 11.1%
Earnings BIT 302.54
499.23
581.05
581.98
growth rate 65.0% 16.4% 0.2%
Avg.PE 18.09
18.31
14.79
9.53
growth rate 1.2% -19.2% -35.6%
ROA -15.05
-0.20
-1.14
0.92
1.00
0.73
1.47
1.58
1.61
1.51
1.81
growth rate 0.0% 0.0% 100.0% 8.7% -27.0% 101.4% 7.5% 1.9% -6.2% 19.9%
ROE -96.17
-2.17
-12.58
9.89
9.68
6.30
7.74
7.51
7.84
7.48
9.39
growth rate 0.0% 0.0% 100.0% -2.1% -34.9% 22.9% -3.0% 4.4% -4.6% 25.5%
Leverage 11.96
10.51
11.55
10.12
9.27
8.07
4.63
4.84
4.88
5.02
5.33
growth rate -12.1% 9.9% -12.4% -8.4% -12.9% -42.6% 4.5% 0.8% 2.9% 6.2%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 18.30
137.39
78.23
growth rate 95.8% -43.1%
Acct.Payable 11,755.13
15,666.18
15,870.61
18,865.54
18,870.50
growth rate 33.3% 1.3% 18.9% 0.0%
Cur.Assets 375.25
418.61
432.65
1,124.15
580.85
growth rate 11.6% 3.4% 159.8% -48.3%
Total Assets 16,234.61
21,288.49
21,869.77
24,994.88
25,731.35
growth rate 31.1% 2.7% 14.3% 3.0%
Cash 303.23
368.79
351.97
320.84
308.77
growth rate 21.6% -4.6% -8.9% -3.8%
Inventory 43.72
22.12
12.98
1.33
5.30
growth rate -49.4% -41.3% -89.8% 298.7%
Cur.Liabilities 12,285.08
16,434.15
16,931.63
19,525.86
20,414.32
growth rate 33.8% 3.0% 15.3% 4.6%
Liabilities 12,728.38
16,890.80
17,390.71
20,017.28
20,905.77
growth rate 32.7% 3.0% 15.1% 4.4%
LT Debt 436.99
439.91
441.56
462.78
453.96
growth rate 0.7% 0.4% 4.8% -1.9%
Equity 3,506.23
4,397.69
4,479.06
4,977.60
4,825.59
growth rate 25.4% 1.9% 11.1% -3.1%
Common Shares 27.00
32.00
35.00
35.00
36.00
41.00
87.00
106.00
120.00
122.00
124.00
growth rate 18.5% 9.4% 0.0% 2.9% 13.9% 112.2% 21.8% 13.2% 1.7% 1.6%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.67
74.24
59.74
81.52
41.00
growth rate 2,681.5% -19.5% 36.5% -49.7%
Cash Dividends 114.16
215.11
243.44
247.40
288.19
growth rate 88.4% 13.2% 1.6% 16.5%
Cash From OA 332.11
593.88
581.11
483.97
608.03
growth rate 78.8% -2.2% -16.7% 25.6%
FCF per Share 2.01
1.45
4.99
4.39
3.13
3.62
growth rate -27.9% 244.1% -12.0% -28.7% 15.7%
Sale Purchase of Stock -22.31
-8.40
-33.24
-109.15
growth rate 0.0% 0.0% 0.0%
FCF 110.00
73.00
235.00
164.00
113.00
47.00
329.00
520.00
521.00
402.00
567.00
growth rate -33.6% 221.9% -30.2% -31.1% -58.4% 600.0% 58.1% 0.2% -22.8% 41.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 687.80
862.18
1,008.04
1,042.39
1,144.55
growth rate 25.4% 16.9% 3.4% 9.8%
Op.Income 405.80
527.12
594.90
602.14
679.65
growth rate 29.9% 12.9% 1.2% 12.9%
IBT 287.47
480.14
557.94
554.73
633.32
growth rate 67.0% 16.2% -0.6% 14.2%
Net Income 168.91
299.62
352.17
357.82
465.34
growth rate 77.4% 17.5% 1.6% 30.1%
EPS -26.81
-0.30
-1.77
1.37
1.54
1.08
1.92
2.79
2.90
2.91
3.72
growth rate 0.0% 0.0% 100.0% 12.4% -29.9% 77.8% 45.3% 3.9% 0.3% 27.8%
Gross Profit 687.80
862.18
1,008.04
1,042.39
1,144.55
growth rate 25.4% 16.9% 3.4% 9.8%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 171.12
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 64.74
37.02
30.49
78.23
40.29
growth rate -42.8% -17.6% 156.6% -48.5%
Acct.Payable 18,078.79
17,929.19
17,879.54
18,870.50
19,285.93
growth rate -0.8% -0.3% 5.5% 2.2%
Cur.Assets 692.59
592.79
519.01
580.85
736.07
growth rate -14.4% -12.5% 11.9% 26.7%
Total Assets 24,149.33
24,529.56
24,782.13
25,731.35
26,324.14
growth rate 1.6% 1.0% 3.8% 2.3%
Cash 463.40
368.47
302.59
308.77
477.68
growth rate -20.5% -17.9% 2.0% 54.7%
Inventory 1.24
2.23
4.41
5.30
3.29
growth rate 80.5% 97.5% 20.2% -37.9%
Cur.Liabilities 18,795.75
19,263.45
19,551.32
20,414.32
20,900.77
growth rate 2.5% 1.5% 4.4% 2.4%
Liabilities 19,281.84
19,751.60
20,040.44
20,905.77
21,533.16
growth rate 2.4% 1.5% 4.3% 3.0%
LT Debt 452.51
452.10
453.11
453.96
594.94
growth rate -0.1% 0.2% 0.2% 31.1%
Equity 4,867.49
4,777.96
4,741.69
4,825.59
4,790.98
growth rate -1.8% -0.8% 1.8% -0.7%
Common Shares 1.28
1.26
1.25
1.25
1.22
growth rate -1.5% -1.0% 0.0% -2.3%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 5.24
2.09
7.92
25.75
12.33
growth rate -60.0% 278.1% 225.2% -52.1%
Cash Dividends 63.69
76.05
74.40
74.06
73.18
growth rate 19.4% -2.2% -0.5% -1.2%
Cash From OA 135.98
170.57
157.27
144.21
151.89
growth rate 25.4% -7.8% -8.3% 5.3%
Sale Purchase of Stock -122.65
growth rate
FCF 130.75
168.47
149.35
118.46
139.56
growth rate 28.9% -11.4% -20.7% 17.8%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 291.06
284.47
285.73
283.29
281.94
growth rate -2.3% 0.4% -0.9% -0.5%
Op.Income 175.62
168.88
169.15
166.00
165.21
growth rate -3.8% 0.2% -1.9% -0.5%
IBT 163.66
158.02
157.58
154.06
155.65
growth rate -3.5% -0.3% -2.2% 1.0%
Net Income 118.28
115.74
116.29
115.04
112.60
growth rate -2.2% 0.5% -1.1% -2.1%
Gross Profit 291.06
284.47
285.73
283.29
281.94
growth rate -2.3% 0.4% -0.9% -0.5%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (56.75)

YOY Growth Grade:

D (33.38)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.95 8.73
EPS / Growth 3.71

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.1% 3.1% 3.1%
Future PE 0.01 5.02 5.02
Future EPS 5.01 5.01 5.01
Value Price
MOS %
0.01
-100.0%
6.22
-80.8%
6.22
-80.8%
MOS Price 0.01 3.11 3.11
IRT 7.65 7.65 7.65

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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