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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 0.9x - 1.0x | 0.9x |
| Historical Pb Multiple | 0.7x - 0.9x | 0.8x |
| Fair Value | $26.18 - $28.94 | $27.56 |
| Upside | -9.4% - 0.2% | -4.6% |
| Benchmarks | - | Full Ticker |
| Westamerica Bancorporation | - | NasdaqGS:WABC |
| Heritage Financial Corporation | - | NasdaqGS:HFWA |
| FS Bancorp, Inc. | - | NasdaqCM:FSBW |
| Community West Bancshares | - | NasdaqCM:CWBC |
| United Security Bancshares | - | NasdaqGS:UBFO |
| BayCom Corp | - | NasdaqGS:BCML |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| WABC | HFWA | FSBW | CWBC | UBFO | BCML | |||
| NasdaqGS:WABC | NasdaqGS:HFWA | NasdaqCM:FSBW | NasdaqCM:CWBC | NasdaqGS:UBFO | NasdaqGS:BCML | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 11.5% | -8.5% | 8.8% | -18.6% | -0.5% | 6.4% | ||
| 3Y CAGR | 17.0% | -23.9% | -2.2% | -35.4% | 13.5% | 4.5% | ||
| Latest Twelve Months | -17.1% | 11.5% | -7.7% | 173.1% | -36.9% | -1.2% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 44.8% | 28.1% | 28.0% | 25.5% | 30.7% | 24.0% | ||
| Prior Fiscal Year | 49.8% | 25.8% | 25.5% | 28.6% | 37.1% | 26.7% | ||
| Latest Fiscal Year | 47.3% | 20.5% | 24.8% | 7.3% | 30.4% | 24.5% | ||
| Latest Twelve Months | 46.2% | 22.4% | 23.5% | 19.9% | 25.0% | 25.1% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 16.2% | 8.2% | 14.5% | 10.0% | 11.8% | 7.6% | ||
| Prior Fiscal Year | 23.5% | 7.5% | 14.3% | 13.4% | 16.8% | 8.7% | ||
| Latest Twelve Months | 14.6% | 5.7% | 11.3% | 7.2% | 8.5% | 7.5% | ||
| Next Fiscal Year | 12.8% | 8.1% | 10.6% | 9.9% | #NUM! | 7.5% | ||
| Two Fiscal Years Forward | 11.2% | 8.8% | 10.7% | 10.2% | 11.8% | 8.5% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 4.6x | 3.6x | 2.2x | 2.9x | 3.5x | 3.2x | ||
| Price / LTM EPS | 10.0x | 16.2x | 9.3x | 14.7x | 14.1x | 12.8x | ||
| Price / Book | 1.4x | 0.9x | 1.0x | 1.0x | 1.2x | 0.9x | ||
| Price / Fwd Book | 1.4x | 0.9x | 1.0x | 1.0x | 1.3x | 0.9x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.9x | 1.0x | 1.4x | |||||
| Historical P/B Ratio | 0.7x | 0.8x | 0.9x | |||||
| Selected P/B Multiple | 0.9x | 0.9x | 1.0x | |||||
| (x) Book Value | 331 | 331 | 331 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | WABC | HFWA | FSBW | CWBC | UBFO | BCML | |
| Value of Common Equity | 1,277 | 815 | 308 | 389 | 161 | 313 | |
| (/) Shares Outstanding | 25.5 | 34.0 | 7.5 | 19.1 | 17.5 | 10.9 | |
| Implied Stock Price | 50.17 | 24.02 | 41.16 | 20.32 | 9.19 | 28.89 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 50.17 | 24.02 | 41.16 | 20.32 | 9.19 | 28.89 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |