A regional bank founded in 1873 that lends to small businesses and finances commercial real estate across 11 western US states, operating 422 branches.
Earns money mainly from interest on commercial loans and mortgages; net income was USD 0.90B in 2025 with a 18.18% net margin, recurring and stable.
Deep local relationships and 150 years of western US presence create switching costs for business borrowers, but larger national banks like Bank of America and Wells Fargo compete aggressively on price and technology.
Buy (sector percentile 81) — value A, growth B+, profitability B+, momentum B, revisions C-. Updated daily, sector-relative, identical for every user.
Key events, in time order
Company announces enhanced shareholder returns backed by strong capital, while California State Teachers Retirement System increased its stake by 26.7%.
Shares fell 4% to $69.06, yet remain above GF Value, indicating cautious sentiment.
Q2 beat on NII and fee income, but higher costs and provisions sent shares down 4% after hours.
Earnings beat, but higher costs and provisions pressure shares, warranting attention on operational efficiency.
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