Operates as a holding company for Pacific Western Bank, a regional bank. Offers diverse deposit accounts including checking, money market, and time deposits. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
No real growth (2% a year). Red columns mark years that ended in a loss.
The market pays 2.1× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Analysts' average target sits 358% above today's price.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
An investor who bought at the very peak is down 85% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
The net profit margin is 33% — still a thick cushion, though costs have been eating into it lately.
It pays out $0.28 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales grew only 2% a year on average. At this size, speeding back up is not easy.
Since the drop from its peak, buyer appetite hasn’t come back.
We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.
One-line summary: few numbers, an untested story. Keep watching.