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Beo Bancorp

Sure, here's an overview of the financial data and growth prospects for Regional Pacific Banks (BEOB) in the US stock market.

Financial Data:

* Market capitalization: $372 million

* Average trading volume: 223,948 shares

* 52-week high: $25.60

* 52-week low: $14.10

* Price-to-earnings ratio: 11.34

* Dividend yield: 2.36%

Earnings:

* Net income for 2022: $128.3 million

* Net interest income: $337.8 million

* Net interest margin: 3.27%

* Efficiency ratio: 62.78%

Growth Prospects:

* Analysts' estimates for revenue growth in the next five years: 2.5% - 3.5% annually

* Anticipated growth in net interest income: 4% - 6% annually

* Projected return on equity (ROE): 8% - 10%

Other Factors:

* BEOB's loan portfolio primarily comprises commercial and industrial loans (54.8%), real estate loans (21.6%), and consumer loans (23.6%).

* Deposits primarily consist of demand and savings accounts (65.9%), time deposits (27.7%), and money market accounts (6.4%).

* The company's capital ratios are sufficient, with a tier 1 risk-based capital ratio of 11.32%, exceeding the minimum requirement of 8%.

* BEOB has a high level of non-performing loans, with a non-performing loan ratio of 1.85% as of December 31, 2022.

* The company has a history of dividend payments and has been steadily increasing its dividend payout since 2014.

Wall Street's views on BEOB vary, with some analysts maintaining a "buy" rating due to the bank's strong capital levels, solid deposit funding, and improved profitability. At the same time, others have a "neutral" rating, citing concerns about loan quality and limited revenue growth opportunities.

It is essential to remember that this information only represents a summary, and thorough stock research necessitates a far more comprehensive analysis of the company's finances, management, industry trends, and market conditions.

Before making these decisions, you should do your research and are advised to seek detailed research reports from reputable sources and seek advice from financial advisors or brokers who are familiar with your individual circumstances and risk tolerance.

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