Pacific West Bancorp (PWBK) Fair Value & Analysis

Financial Services · US · Market cap $32.7M

A solid business, but screening 75% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($3.88). 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.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $7.50 – $16.00 · fair‑value band $2.33 – $3.88 · the $12.35 price screens above the $3.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

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Analysis

Pacific West Bancorp (PWBK) currently trades at $12.35, while our model-based Fair Value estimate is $3.10, implying the stock looks roughly 74.9% overvalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Pacific West Bancorp generated revenue of $12.2M at a net margin of 5.9%. Revenue grew 23.5% year over year. It earns a return on equity of 2.1%. The balance sheet holds a net cash position of $48.5M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $2.33 (bear case) to $3.88 (bull case); at $12.35, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 27% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -75%, PWBK screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based ($8.83) versus Multiples ($3.10). Highest evidence: P/E Multiple (63).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

PWBK screens 75% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.