AMRB, BSRR, PCBK, HAFC, NARA, CLFC, Banks

August 19, 2011/ M2 PRESSWIRE / BUYINS.NET / http://www.squeezetrigger.com is monitoring the Banks - West sector and these stocks are the most undervalued as of today. AMERICAN RIVER BANKSHRS (NASDAQ:AMRB), SIERRA BANCORP (NASDAQ:BSRR), PACIFIC CONTINENTAL CORP (NASDAQ:PCBK), HANMI FINANCIAL CORPORATION (NASDAQ:HAFC), NARA BANCORP INC (NASDAQ:NARA), CENTER FINANCIAL CORP (NASDAQ:CLFC) are all expected to go Up as they are Undervalued according to industry standard valuation metrics. The valuation model employs a three-factor approach to stock valuation using fundamental variables--the company's trailing 12-month Earnings-Per-Share (EPS), the analyst consensus estimate of the company's forecasted 12-month EPS, and the 30-year Treasury yield--to create a highly accurate reflection of a company's fair value.

The chart below displays the projected Fair Value and Valuation discount/premium of the most undervalued stocks in the highlighted industry group:

     Symbol     Company Name                        Last Close     Fair Value     Valuation                   Industry               
     AMRB       AMERICAN RIVER BANKSHRS             5.11           8.02           36.30% Undervalued          Banks - West           
     BSRR       SIERRA BANCORP                      10.01          10.48          4.50% Undervalued           Banks - West           
     PCBK       PACIFIC CONTINENTAL CORP            7.9            12.28          35.70% Undervalued          Banks - West           
     HAFC       HANMI FINANCIAL CORPORATION         0.87           6.59           86.80% Undervalued          Banks - West           
     NARA       NARA BANCORP INC                    6.66           12.43          46.40% Undervalued          Banks - West           
     CLFC       CENTER FINANCIAL CORP               5.1            8.7            41.40% Undervalued          Banks - West

Here are some of the variables that are utilized when calculating the Fair Market Valuation of a stock: Long-run EPS growth rate, Duration of Business-growth-cycle, Volatility of EPS growth rate, Systematic or beta risk of the firm, Correlation between the firm's EPS and the interest rate environment, EPS growth volatility, Dividend payout ratio, Buffer earnings, Interest rate related criteria: Interest rate (30 year yield) long-run level, Duration of interest rate cycle, Interest rate volatility. The Fair Market Valuation uses 12-month historic and forecasted EPS values and the current 30-year treasury yield as primary determinants. When calculating risk/return values such as the Sharpe ratio, the historic periods used are five years.

Some expected results of the Valuation Model are: the valuation of a stock increases in a declining interest rate environment. Increasing current and/or projected EPS will produce a higher Valuation. While long-term EPS growth would produce a corresponding long-term Valuation increase, concomitant long-term interest rate increases would offset EPS growth and depress the Valuation. The shorter a company's own business cycle, the higher its stock Valuation will be.

AMERICAN RIVER BANKSHRS (NASDAQ:AMRB) - American River Bankshares operates as the holding company for American River Bank that provides commercial banking services for small to mid-sized businesses in California. It offers checking and savings deposits, money market deposit accounts, and certificates of deposits; secured and unsecured commercial, secured real estate, and other installment and term loans; and other customary banking services. In addition, the company conducts lease financing for various types of business equipment, from computer software to heavy earth-moving equipment. As of December 31, 2009, it operated five full service offices in Sacramento and Placer counties; two full service offices under the North Coast Bank name in Sonoma County; and three full service banking offices under Bank of Amador name in Amador County. American River Bankshares was founded in 1983 and is headquartered in Rancho Cordova, California.

SIERRA BANCORP (NASDAQ:BSRR) - Sierra Bancorp operates as the bank holding company for Bank of the Sierra that offers retail and commercial banking services in the central and southern sections of the San Joaquin Valley in California. Its deposit products include checking, interest-bearing transaction, savings, money market demand, time deposit, retirement, and sweep accounts, as well as remote deposit capture facilities. The companys loan portfolio comprises real estate, commercial, and agricultural loans, as well as land acquisition and development loans, construction loans for residential and commercial development, and multifamily credit facilities; small business administration (SBA) loans; equipment leasing, such as direct finance and operating leases; and retail lending services, which include home equity lines and consumer loans. In addition, it offers secondary market services, installment note collection services, cashiers checks, travelers checks, gift cards, bank-by-mail services, night depository services, safe deposit boxes, direct deposit and automated payroll services, electronic funds transfers, online banking services, ATMs, and other customary banking services. As of January 25, 2010, the company operated 24 branch offices, an agricultural credit center, an SBA center, and an online virtual branch. Sierra Bancorp has a strategic alliance with Investment Centers of America, Inc. to provide non-deposit investment options. The company was founded in 1977 and is headquartered in Porterville, California.

PACIFIC CONTINENTAL CORP (NASDAQ:PCBK) - Pacific Continental Corporation operates as the bank holding company for Pacific Continental Bank that provides commercial banking services primarily in Oregon and Washington. The company offers a range of banking and related services to community-based business, not-for-profits, professional service providers, business owners, and executives. It accepts a range of deposit products, including demand, checking, savings, money market, and time deposits. The companys loan portfolio comprises secured and unsecured commercial loans for general operating purposes, acquisition of fixed assets, purchases of equipment and machinery, financing of inventory and accounts receivable, and other business purposes; small business administration loans; and permanent and construction loan finance products for commercial facilities and for pre-sold, custom, and speculative home construction. Its loan portfolio also comprises residential mortgage loans; and secured and unsecured loans to individuals for various purposes, such as purchases of automobiles, mobile homes, boats, and other recreational vehicles, as well as for home improvements, education, and personal investment. In addition, the company offers credit card services, merchant card payment services, and cash management products to its business customers; and online banking, safe deposit, debit and ATM cards, ACH transactions, savings bonds, cashiers checks, travelers checks, and notary services. As of March 30, 2010, it operated 14 banking offices in Oregon and Washington. The company was founded in 1972 and is headquartered in Eugene, Oregon.

HANMI FINANCIAL CORPORATION (NASDAQ:HAFC) - Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides general business banking products and services in the United States. Its deposit product line comprises business and personal checking accounts, savings accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. The companys loan portfolio includes real estate loans, such as commercial property, construction, and residential property loans; commercial and industrial loans comprising commercial term loans, commercial lines of credit, small business administration loans, and international trade finance; and consumer loans consisting of automobile loans, secured and unsecured personal loans, home improvement loans, home equity lines of credit, overdraft protection loans, and unsecured lines of credit and credit cards. It also offers various insurance products, such as life, commercial, automobile, health, and property and casualty. The company serves the Korean-American community, as well as other communities in the multi-ethnic populations of Los Angeles County, Orange County, San Bernardino County, San Diego County, the San Francisco Bay area, and the Silicon Valley area in Santa Clara County. As of December 31, 2009, it operated a branch network of 27 full-service branch offices in California; and 2 loan production offices in Virginia and Washington. The company was founded in 1981 and is headquartered in Los Angeles, California.

NARA BANCORP INC (NASDAQ:NARA) - Nara Bancorp, Inc. operates as the holding company for Nara Bank that provides commercial banking services primarily to small-to medium-sized businesses in California. The company offers various short-term and long-term deposit products, including personal and business checking accounts, money market accounts, savings, certificates of deposit, and individual retirement accounts. It also offers commercial business, real estate, trade finance, and small business administration loans. In addition, the company offers trade finance products, such as issuance and collection of letters of credit, international collection, and import/export financing. Further, it offers automated teller machines, telephone and Internet banking, bill-pay, travelers checks, safe deposit boxes, notary services, and other customary bank services. As of December 31, 2009, Nara Bancorp operated 21 banking offices, of which 16 are located in the Los Angeles, Orange County, Oakland, and Silicon Valley areas of California, and 5 are located in the New York metropolitan area and New Jersey, together with 1 loan production office located in Dallas. The company was founded in 1989 and is headquartered in Los Angeles, California.

CENTER FINANCIAL CORP (NASDAQ:CLFC) - Center Financial Corporation operates as the holding company of Center Bank, which offers financial services for small to medium sized business customers in Southern California. Its deposit products include demand deposit accounts, money market accounts, and savings accounts, as well as time certificates of deposit and fixed maturity installment savings. The company offers small business administration loans, trade finance loans, commercial and real estate secured loans, commercial loans, working capital lines, automobile loans and other personal loans, and construction loans. It also provides international banking services, such as letters of credit, acceptances and wire transfers, merchant deposit services, cash management services, travelers checks, debit cards, and safe deposit boxes; and Internet banking services. The company serves small and medium sized Korean-American businesses, professionals, and other individuals in Los Angeles metropolitan area, including Los Angeles, Orange, San Bernardino, and San Diego counties. As of December 31, 2009, it operated 19 full-service branches and 1 loan production office, 16 of which are located in Los Angeles, Orange, San Bernardino, and San Diego counties. The company was founded in 1985 and is headquartered in Los Angeles, California.

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AMRB, BSRR, PCBK, HAFC, NARA, CLFC, Banks - West Stocks Undervalued