Pacific West Bancorp (PWBK) fair value: what the stock is really worth
As of Aug 21, 2026: fair value of Pacific West Bancorp $8.89, price $12.30, upside -27.7%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 28, 2026.
How to read this chart
60‑month range $7.50 – $16.00 · the $12.30 price screens above the $8.89 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 28, 2026.
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Pacific West Bancorp provides banking products and services for businesses, non-profit organizations, and individuals. The company offers deposit products, including checking, savings, and money market accounts, as well as certificates of deposit.
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Pacific West Bancorp provides banking products and services for businesses, non-profit organizations, and individuals. The company offers deposit products, including checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial real estate, equipment term, business acquisition, and SBA 504 loans; and executive credit line and capital expenditure and operating lines of credit. In addition, the company offers online banking, bill pay, mobile banking, remote deposit capture, insurance, ACH origination, online wires, positive pay, debit and credit cards, merchant/credit card processing, and treasury management services. It operates in the greater Portland Metro area with offices located in West Linn, Lake Oswego, and Portland, Oregon, as well as Vancouver and Washington. Pacific West Bancorp was incorporated in 2004 and is based in West Linn, Oregon.
Stock analysis
Pacific West Bancorp (PWBK) currently trades at $12.30, while our model-based Fair Value estimate is $8.89, 27.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $8.83 per share, and 0 of the 4 models we run sit above the $12.30 price.
Bear case: the Multiples group reads lowest at $3.10, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Pacific West Bancorp reported revenue of $19.9M in FY2025 versus $10.4M in FY2021, a compound +17.7%/yr. Reported net income was $646K in FY2025, compounding −19.2%/yr from FY2021.
Key figures
Market cap $31.8M · P/E ratio 45.6 · P/S ratio 1.48 · EPS (TTM) $0.2700 · Net margin 3.2% · Return on equity 2.1% · Return on assets (EBIT) 0.4% · Operating margin 6.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).
What moves the price
The share trades about 2% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −28%, PWBK screens cheaper than that median.
Fair Value models
Bear $8.89Fair Value $8.89Bull $8.89
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.2042 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+10.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.2%
Start year 2020 (pandemic)
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−15.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−15.1%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−15.1% vs −25.3%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−12% → 6%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 5.5%/yr over ~18Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside−27.7% · Below median
Profitability
Return on equity (TTM)2.1% · Bottom 25%
Return on assets0.2% · Bottom 25%
Net margin (TTM)5.9% · Bottom 25%
Operating margin (TTM)6.6% · Bottom 25%
Growth and dividend
Revenue growth23.5% · Top 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)45.6× · Priciest 25%
P/B0.89× · Cheaper than median
P/S (TTM)2.60× · Cheaper than median
P/FCF21.5× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)100· sector 47
PAST (return on equity)8· sector 41
HEALTH (low debt)0· sector 84
DIVIDEND (yield)0· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Pacific West Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/PWBK
Frequently asked questions
Is Pacific West Bancorp (PWBK) overvalued or undervalued?
As of Sep 28, 2026, our model estimates a fair value of $8.89 versus the last price from Aug 21, 2026 of $12.30, about −28% upside (overvalued).
What is the fair value of PWBK?
Our model-based fair value for Pacific West Bancorp is $8.89 (as of Sep 28, 2026), built from audited fundamentals. Last price (from Aug 21, 2026): $12.30.
What is the quality score of PWBK?
Pacific West Bancorp has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pacific West Bancorp (PWBK)?
Our model-based price target is the fair value of $8.89 (as of Sep 28, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Pacific West Bancorp stock forecast for 2026?
Our models put fair value at $8.89, about −28% upside versus the last price from Aug 21, 2026 of $12.30 (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of Pacific West Bancorp (PWBK)?
Pacific West Bancorp reported trailing-twelve-month revenue of about $12.2M (latest available figure, as of Sep 28, 2026).
What growth is priced into Pacific West Bancorp (PWBK)?
For today's price to be fair in a discounted-cash-flow model, Pacific West Bancorp would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +24.2 % per year. As of Sep 28, 2026.
What discount rate (WACC) does the fair value of PWBK use?
Our models discount Pacific West Bancorp at 8.5 %: a base by market capitalisation (nano), damped by beta 0.01, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Pacific West Bancorp that is less than minus 40 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Pacific West Bancorp (PWBK) delivered so far?
Over the past 5 years revenue at Pacific West Bancorp grew +24.2 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Pacific West Bancorp (PWBK) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Pacific West Bancorp (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Pacific West Bancorp (PWBK)?
The free-cash-flow yield on the price is 4.64 %: that much free cash flow Pacific West Bancorp produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Pacific West Bancorp (PWBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pacific West Bancorp it is $8.89 per share (as of Sep 28, 2026), against a price of $12.30. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Pacific West Bancorp stock overvalued or undervalued in 2026?
As of Sep 28, 2026, PWBK trades above its calculated fair value: price $12.30, fair value $8.89, a gap of about −28% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PWBK?
No. The price is what the market pays today ($12.30); the fair value is what the company's own numbers justify ($8.89). For Pacific West Bancorp the two are $3.41 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pacific West Bancorp worth?
The market values Pacific West Bancorp at about $31.8M (market capitalisation, as of Sep 28, 2026). Per share that is $12.30; our models calculate a fair value of $8.89 per share.
What is the P/E ratio of PWBK?
Pacific West Bancorp trades at a price-to-earnings ratio of 45.6 (as of Sep 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.89 is built from several models across several years. Other multiples: P/B 0.9, P/S 2.6.
How solid is the balance sheet of Pacific West Bancorp (PWBK)?
Balance-sheet figures for Pacific West Bancorp (as of Sep 28, 2026): return on equity 2.1%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is PWBK from its 52-week high?
Pacific West Bancorp trades at $12.30, about 2% below its 52-week high of $12.60 and 14% above the low of $10.80 (as of Aug 21, 2026). Distance from the high says nothing about value: that is what the fair value of $8.89 is for.
Which stocks are comparable to Pacific West Bancorp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pacific West Bancorp stock attractive at the current price?
The data as of Sep 28, 2026: price $12.30, calculated fair value $8.89 (−28%), Quality Score 56/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PWBK calculated?
We run Pacific West Bancorp through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $8.89, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Pacific West Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pacific West Bancorp (PWBK)?
The latest price we hold is from Aug 21, 2026 and stands at $12.30. Our model-based fair value is $8.89, about −28% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pacific West Bancorp right now?
The price sits above even our optimistic bull case ($8.89). The favourable scenario is already priced in. Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Pacific West Bancorp
How large is the market capitalisation of Pacific West Bancorp (PWBK)?
The market capitalisation of Pacific West Bancorp is $31.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pacific West Bancorp (PWBK)?
The price-to-sales ratio of Pacific West Bancorp is 1.48 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pacific West Bancorp (PWBK)?
Earnings per share at Pacific West Bancorp are $0.2700 (price ÷ EPS = P/E 45.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pacific West Bancorp (PWBK)?
The net margin of Pacific West Bancorp is 3.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pacific West Bancorp (PWBK)?
The return on equity (ROE) of Pacific West Bancorp is 2.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pacific West Bancorp (PWBK)?
On an EBIT basis the return on assets of Pacific West Bancorp is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pacific West Bancorp (PWBK)?
The operating margin of Pacific West Bancorp is 6.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pacific West Bancorp (PWBK)?
Revenue at Pacific West Bancorp is growing +23.5% versus a year earlier (3y avg +17.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pacific West Bancorp (PWBK)?
Earnings per share at Pacific West Bancorp are growing +100% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Pacific West Bancorp (PWBK) hold?
Pacific West Bancorp holds more cash than debt, $48.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 28, 2026