Pacific West Bancorp Financial Ratios — PWBK Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	-8.23	6.86	5.01	-4.38	-1.83	4.39	5.31	-0.71	-0.99	1.86
Return on Assets (%)	- -	-4.07	2.08	1.05	-1.09	-0.37	0.62	0.66	-0.08	-0.1	0.18
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	1.82	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	- -	28.35	-31.71	-13.31	22.28	22.34	-2.08	-4.31	9.06
Profit Margin (%)	-1,013.87	-100.18	33.41	17.21	-23.72	-10.32	15.43	16.18	-2.41	-3.55	5.33
Net Income to Common Margin (%)	-1,013.87	-100.18	33.41	17.21	-23.72	-10.32	15.43	16.18	-2.41	-3.55	5.33
Effective Tax Rate (%)	- -	- -	- -	39.28	- -	- -	30.76	27.55	- -	- -	41.15
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-8.23	6.86	5.01	-4.38	-1.83	4.39	5.31	-0.71	-0.99	1.86

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	4	3	7	7	7	46	21	7
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	4	3	7	7	7	46	21	7
Total Debt/EBITDA	- -	- -	- -	104.47	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	29.54	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	73.76	36.52	26.1	17.88	27.14	15.95	12.79	12.07	10.63	10.31	9.23
Long-Term Debt/Equity (%)	- -	- -	- -	53.27	7.8	21.89	20.25	20.03	136.33	62.12	19.48
Long-Term Debt/Capital (%)	- -	- -	- -	34.75	7.24	17.96	16.84	16.68	57.69	38.32	16.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	9.52	2.12	3.49	2.59	2.42	14.5	6.4	1.8
Total Debt/Equity (%)	- -	- -	- -	53.27	7.8	21.89	20.25	20.03	136.33	62.12	19.48
Total Debt/Capital (%)	- -	- -	- -	34.75	7.24	17.96	16.84	16.68	57.69	38.32	16.31
Total Debt/Total Assets (%)	- -	- -	- -	9.52	2.12	3.49	2.59	2.42	14.5	6.4	1.8
Net Debt to Equity	-0.91	-9.75	-20.02	15.06	-90.62	-87.6	-87.98	-48.44	-33.6	-39.18	-150.1
Net Debt/Capital (%)	-0.92	-10.8	-25.03	10.63	-527.2	-255.54	-272.65	-67.67	-16.57	-31.87	490.22
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	73.76	36.52	26.1	17.88	27.14	15.95	12.79	12.07	10.63	10.31	9.23
Long-Term Debt/Equity (%)	- -	- -	- -	53.27	7.8	21.89	20.25	20.03	136.33	62.12	19.48
Long-Term Debt/Capital (%)	- -	- -	- -	34.75	7.24	17.96	16.84	16.68	57.69	38.32	16.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	9.52	2.12	3.49	2.59	2.42	14.5	6.4	1.8
Total Debt/Equity (%)	- -	- -	- -	53.27	7.8	21.89	20.25	20.03	136.33	62.12	19.48
Total Debt/Capital (%)	- -	- -	- -	34.75	7.24	17.96	16.84	16.68	57.69	38.32	16.31
Total Debt/Total Assets (%)	- -	- -	- -	9.52	2.12	3.49	2.59	2.42	14.5	6.4	1.8
CFO/Total Liabilities	- -	- -	- -	2.9	-1.19	0.65	0.54	1.61	0.35	-0.39	0.52
CFO/CapEx	- -	- -	- -	6.12	-2.8	8.44	37.31	18.94	1.17	-18.79	5.27
Altman's Z-Score	- -	-0.04	0.03	0.19	-0.05	-0.02	0.09	0.09	0.06	0.08	0.07

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	15.02	8.84	26.26	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	24.31	41.28	13.9	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	8	- -	- -	35	29	25	34	32
- Cash & Cash Equivalents	- -	1	1	1	31	30	31	16	11	13	54
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	4	3	7	7	7	46	21	7
Enterprise Value	- -	-1	-1	11	-28	-22	11	20	60	41	-14
Total Capital	7	6	7	12	37	41	42	41	80	55	43
Total Debt/Capital (%)	- -	- -	- -	34.75	7.24	17.96	16.84	16.68	57.69	38.32	16.31
Total Debt / EV	- -	- -	- -	0.35	-0.09	-0.33	0.63	0.35	0.77	0.51	-0.48
EV/Sales	- -	- -	- -	5.46	2.53	1.13	1.15	1.74	5.98	4.34	- -
EV/EBITDA	- -	- -	- -	299.5	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	11.45	- -	5.84	8.68	4.94	60.39	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	9.84	- -	5.22	8.45	4.69	32.61	- -	- -
Diluted Market Cap	- -	- -	- -	8	38	29	35	29	25	34	32
Diluted Enterprise Value	- -	-1	-1	11	10	7	11	20	60	41	-14
EV per Share	- -	- -	- -	151.31	3.67	2.56	4.23	7.38	22.43	15.39	- -
TTM Sales	- -	1	1	2	4	6	10	11	10	10	12
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	1	-1	1	1	4	1	-1	2
TTM Free Cash Flow to Firm	- -	- -	- -	1	-1	1	1	4	2	-1	2

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	7	-54.05	22.29	26.34	6.97	13.59	-30.5	14.92
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-1	-1	11	-28	-22	11	20	60	41	-14
Low Price	- -	- -	- -	97.4	14	9.5	10.92	10.05	9.36	7.45	9.5
EV/Sales	- -	- -	- -	5.46	2.53	1.13	1.15	1.74	5.98	4.34	- -
EV/EBITDA	- -	- -	- -	299.5	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	22.55	- -	- -	23.11	15.94	- -	- -	49.86
Price/Earnings Average	- -	- -	- -	21.55	-42.2	-48.21	25.43	18.61	-121.87	-77.31	46.12
Price/Earnings High	- -	- -	- -	22.55	-45.7	-70.55	28.1	21.74	-145.69	-99.3	52.15
Price/Earnings Low	- -	- -	- -	19.97	-40.78	-40.62	19.18	14.57	-103.31	-59.18	39.64
Price/Book Value	- -	- -	- -	1.11	- -	- -	1	0.86	0.74	0.99	0.9
Price/Book Value Average	- -	- -	- -	1.06	- -	- -	1.1	1.01	0.87	0.77	0.84
Price/Book Value High	- -	- -	- -	1.11	- -	- -	1.21	1.18	1.04	0.99	0.95
Price/Book Value Low	- -	- -	- -	0.98	- -	- -	0.83	0.79	0.74	0.59	0.72
Price/Tangible Book Value	- -	- -	- -	1.11	- -	- -	1	0.86	0.74	0.99	0.9
Price/Tangible Book Value Average	- -	- -	- -	1.06	- -	- -	1.1	1.01	0.87	0.77	0.84
Price/Tangible Book Value High	- -	- -	- -	1.11	- -	- -	1.21	1.18	1.04	0.99	0.95
Price/Tangible Book Value Low	- -	- -	- -	0.98	- -	- -	0.83	0.79	0.74	0.59	0.72
Price/Sales	- -	- -	- -	3.88	9.88	4.82	3.57	2.58	2.49	3.52	2.66
Price/Sales Average	- -	- -	- -	3.71	10.01	4.97	3.92	3.01	2.94	2.74	2.46
Price/Sales High	- -	- -	- -	3.88	10.84	7.28	4.34	3.52	3.52	3.52	2.78
Price/Sales Low	- -	- -	- -	3.44	9.67	4.19	2.96	2.36	2.49	2.1	2.11
Price/Cash Flow	- -	- -	- -	8.14	-34.74	24.92	26.98	7.34	25.17	-28.88	17.69
Price/Cash Flow Average	- -	- -	- -	7.78	-35.19	25.73	29.68	8.56	29.69	-22.48	16.37
Price/Cash Flow High	- -	- -	- -	8.14	-38.12	37.65	32.8	10.01	35.49	-28.88	18.51
Price/Cash Flow Low	- -	- -	- -	7.21	-34.01	21.68	22.39	6.7	25.17	-17.21	14.07
Price/Free Cash Flow Average	- -	- -	- -	6.69	-54.76	23.01	28.98	8.14	16.03	-23.74	13.8
Price/Free Cash Flow High	- -	- -	- -	7	-59.31	33.68	32.02	9.5	19.16	-30.5	15.61
Price/Free Cash Flow Low	- -	- -	- -	6.2	-52.92	19.39	21.85	6.37	13.59	-18.18	11.86
EV/Sales Average	- -	- -	- -	5.28	2.66	1.29	1.5	2.17	6.43	3.56	- -
EV/Sales High	- -	- -	- -	5.46	3.49	3.59	1.92	2.68	7.01	4.34	- -
EV/Sales Low	- -	- -	- -	5	2.33	0.5	0.54	1.51	5.98	2.92	- -
EV/EBITDA Average	- -	- -	- -	289.86	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	299.5	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	274.56	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	110	14.3	10.92	13.16	11	9.36	12.5	11.95
High Price	- -	- -	- -	110	15.69	16.5	16	15	13.2	12.5	12.5
Enterprise Value Average	- -	-1	-1	11	-28	-22	15	25	65	34	-17
Enterprise Value High	- -	-1	-1	11	-28	-22	19	30	70	41	-13
Enterprise Value Low	- -	-1	-1	11	-28	-22	5	17	60	28	-21

Shares Outstanding	- -	- -	- -	- -	- -	- -	3	3	3	3	3
Diluted Weighted Avg Shares	- -	- -	- -	- -	3	3	3	3	3	3	3
Basic Weighted Avg Shares	- -	- -	- -	- -	3	3	3	3	3	3	3
Revenue per Share	0.55	7.5	18.53	28.34	1.45	2.27	3.69	4.26	3.75	3.55	4.49
EBITDA per Share	- -	- -	- -	0.52	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-5.53	-7.51	6.19	4.88	-0.34	-0.23	0.57	0.69	-0.09	-0.13	0.24
Basic EPS from Cont Ops	-5.53	-7.51	6.19	4.88	-0.34	-0.23	0.57	0.69	-0.09	-0.13	0.24
Diluted EPS, GAAP	-5.53	-7.51	6.19	4.88	-0.34	-0.23	0.57	0.69	-0.09	-0.13	0.24
Diluted EPS from Cont Ops	-5.53	-7.51	6.19	4.88	-0.34	-0.23	0.57	0.69	-0.09	-0.13	0.24
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	13.51	-0.41	0.44	0.49	1.5	0.37	-0.43	0.68
Free Cash Flow per Basic Share	- -	- -	- -	11.3	-0.56	0.39	0.47	1.42	0.06	-0.46	0.55
Cash & Equivalents per Share	0.83	8.3	18.3	11.46	- -	- -	11.6	6.18	4.27	4.94	19.84
Book Value per Share	91.29	85.16	91.41	99.09	- -	- -	13.19	12.75	12.72	12.61	13.22
Tangible Book Value per Share	91.29	85.16	91.41	99.09	- -	- -	13.19	12.75	12.72	12.61	13.22

Pacific West Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)