Pacific West Bancorp
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… Read more
Pacific West Bancorp (PWBK) - Net Assets
Latest net assets as of December 2025: $35.65 Million USD
Based on the latest financial reports, Pacific West Bancorp (PWBK) has net assets worth $35.65 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($386.03 Million) and total liabilities ($350.38 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $35.65 Million |
| % of Total Assets | 9.24% |
| Annual Growth Rate | 8.12% |
| 5-Year Change | 1.51% |
| 10-Year Change | 278.07% |
| Growth Volatility | 74.97 |
Pacific West Bancorp - Net Assets Trend (2004–2025)
This chart illustrates how Pacific West Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Pacific West Bancorp (2004–2025)
The table below shows the annual net assets of Pacific West Bancorp from 2004 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $35.65 Million | +5.21% |
| 2024-12-31 | $33.89 Million | -0.48% |
| 2023-12-31 | $34.05 Million | +0.06% |
| 2022-12-31 | $34.03 Million | -3.11% |
| 2021-12-31 | $35.12 Million | +3.99% |
| 2020-12-31 | $33.78 Million | -0.75% |
| 2019-12-31 | $34.03 Million | -2.11% |
| 2018-12-31 | $34.76 Million | +282.63% |
| 2017-12-31 | $9.09 Million | -3.66% |
| 2016-12-31 | $9.43 Million | +25.58% |
| 2007-12-31 | $7.51 Million | +8.39% |
| 2006-12-31 | $6.93 Million | +7.34% |
| 2005-12-31 | $6.45 Million | -6.71% |
| 2004-12-31 | $6.92 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Pacific West Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 0.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $35.65 Million | 100.00% |
| Total Equity | $35.65 Million | 100.00% |
Pacific West Bancorp Competitors by Market Cap
The table below lists competitors of Pacific West Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Galecto Inc
NASDAQ:GLTO
|
$29.08 Million |
|
biote Corp
NASDAQ:BTMD
|
$29.09 Million |
|
Westport Fuel Systems Inc
NASDAQ:WPRT
|
$29.09 Million |
|
Western Carriers India Ltd
NSE:WCIL
|
$29.10 Million |
|
Starbreeze AB (publ)
PINK:STBEF
|
$29.06 Million |
|
Arcario AB
ST:ARCA
|
$29.05 Million |
|
Chungdamglobal Co. Ltd.
KQ:362320
|
$29.04 Million |
|
Rimbunan Sawit Bhd
KLSE:5113
|
$29.04 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Pacific West Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 33,888,510 to 35,653,000, a change of 1,764,490 (5.2%).
- Net income of 646,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 2,782,298.
- Other factors decreased equity by 1,663,808.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $646.00K | +1.81% |
| Other Comprehensive Income | $2.78 Million | +7.8% |
| Other Changes | $-1.66 Million | -4.67% |
| Total Change | $- | 5.21% |
Book Value vs Market Value Analysis
This analysis compares Pacific West Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.82x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.12x to 0.82x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $94.47 | $11.35 | x |
| 2005-12-31 | $88.13 | $11.35 | x |
| 2006-12-31 | $93.46 | $11.35 | x |
| 2007-12-31 | $101.30 | $11.35 | x |
| 2016-12-31 | $13.35 | $11.35 | x |
| 2017-12-31 | $12.86 | $11.35 | x |
| 2018-12-31 | $45.15 | $11.35 | x |
| 2019-12-31 | $12.84 | $11.35 | x |
| 2020-12-31 | $12.72 | $11.35 | x |
| 2021-12-31 | $13.18 | $11.35 | x |
| 2022-12-31 | $12.72 | $11.35 | x |
| 2023-12-31 | $12.66 | $11.35 | x |
| 2024-12-31 | $12.62 | $11.35 | x |
| 2025-12-31 | $13.80 | $11.35 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Pacific West Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 1.81%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 3.42%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.83x
- Recent ROE (1.81%) is below the historical average (2.18%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | -5.85% | -1013.87% | 0.00x | 1.36x | $-1.10 Million |
| 2005 | -8.52% | -100.18% | 0.03x | 2.74x | $-1.20 Million |
| 2006 | 6.63% | 33.41% | 0.05x | 3.83x | $-233.80K |
| 2007 | 4.82% | 11.84% | 0.07x | 5.59x | $-389.35K |
| 2016 | 34.86% | 118.62% | 0.04x | 6.99x | $2.34 Million |
| 2017 | -3.80% | -10.97% | 0.05x | 7.47x | $-1.25 Million |
| 2018 | -2.88% | -31.24% | 0.03x | 2.66x | $-4.48 Million |
| 2019 | -2.67% | -20.84% | 0.03x | 3.68x | $-4.31 Million |
| 2020 | -1.84% | -9.22% | 0.03x | 6.27x | $-4.00 Million |
| 2021 | 4.31% | 14.62% | 0.04x | 7.82x | $-2.00 Million |
| 2022 | 5.40% | 15.01% | 0.04x | 8.28x | $-1.57 Million |
| 2023 | -0.71% | -1.60% | 0.05x | 9.40x | $-3.65 Million |
| 2024 | -1.00% | -1.87% | 0.05x | 9.70x | $-3.73 Million |
| 2025 | 1.81% | 3.42% | 0.05x | 10.83x | $-2.92 Million |
Industry Comparison
This section compares Pacific West Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Pacific West Bancorp (PWBK) | $35.65 Million | -5.85% | 9.83x | $29.07 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |