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NARA Bancorp

BigRed said: "Hey! Normally I wouldn't trade a stock that trades such light volume but this stock appeared to have some potential growth. Anyone interested in evaluating it? NARA Bancorp Symbol: NARA Name is mike by the way"

AlfredSokol said: "Hi Mike, welcome aboard. What do you like about this particular stock or company?"

BigRed said: "Just got an upgrade to $18.... :) great minds think alike as I was thinking the exact same thing. I had my money tied up in GE, so when the stock dropped after I purchased it I couldn't even dollar cost average.. Stock looks good both fundamentally and technically. Additionally, as the fed will hold off on hiking up the interest rate due to this Katrina incident, the bank should continue a steady line of loans. Dividend yield is less than 1% so it appears to be reinvesting its profits into growth. What do you think."

LanceJ said: "Hi Mike, They had 27% growth in 2004, anticipated 23% growth in 2005, and anticipated 21% growth in 2006, very nice! Their valuation is: Trailing P/E (ttm, intraday): 16.27 Forward P/E (fye 31-Dec-06) 1: 12.89 The industry average is a P/E of 15.3... so they are fairly valued. PEG Ratio (5 yr expected): 0.80 Now I love this. Taken together with the forward P/E, we can see that NARA is either undervalued in relation to its anticipated future growth, or that the market does not expect the company to achieve the earnings growth that is reflected in the Street estimates. In otherwords, the valuation may look so good because investors are not buying because they are concerned that as the Fed continues to raise the prime interest rate, the banks number of loans will go down as it becomes more expensive to borrow money. It's beautiful when you can see human behavior of this nature expressed in mathematical formula. Price/Sales (ttm): 4.14 The price to sales is high. Sales are not priced cheaply by Wall Street. From 4th Quarter 2004, to 1st Quarter 2005, their EPS dropped from $0.24 to $0.22, which resulted in some serious punishment by investors. Their Balance Sheet, Income Statement, and Cash Flow Statement all show nice growth for the last 5 years. We even have an insider, Lee, Chong Moon, purchasing 1,440,922 shares in a private placement for $13.88 per share, a cool $20 million dollars worth on August 31, 2005. Considering Friday's close is $15.08, investors have the chance to get in at near insider cost. But should investors be concerned that the valuation may look so good because investors are not buying because they are concerned that as the Fed continues to raise the prime interest rate, the banks number of loans will go down as it becomes more expensive to borrow money? Probably. One should exercise caution when dealing with the Banking sector at this time. The Banking sector has performed poorly as of this year, ranked in the bottom 30 performing sectors out of about 150, and with the Fed's announcement that they will continue to raise the prime rate, I can understand why. New Investors: PEG Ratio The PEG ratio compares a stock's price/earnings ("P/E") ratio to its expected EPS growth rate. If the PEG ratio is equal to one, it means that the market is pricing the stock to fully reflect the stock's EPS growth. This is "normal" in theory because, in a rational and efficient market, the P/E is supposed to reflect a stock's future earnings growth. If the PEG ratio is greater than one, it indicates that the stock is possibly overvalued or that the market expects future EPS growth to be greater than what is currently in the Street consensus number. Growth stocks typically have a PEG ratio greater than one because investors are willing to pay more for a stock that is expected to grow rapidly (otherwise known as "growth at any price"). Google is an excellent example of this with a PEG of 1.8. If the PEG ratio is less than one, it is a sign of a possibly undervalued stock or that the market does not expect the company to achieve the earnings growth that is reflected in the Street estimates. Value stocks usually have a PEG ratio less than one because the stock's earnings expectations have risen and the market has not yet recognized the growth potential. On the other hand, it could also indicate that earnings expectations have fallen faster than the Street could issue new forecasts. It is important to note that the PEG ratio cannot be used in isolation. As with all financial ratios, investors using PEG ratios must also use additional information to get a clear perspective of the investment potential of a company. Investors must understand the company's operating trends, fundamentals and what the expected EPS growth rate reflects. Additionally, to determine if the stock is overvalued or undervalued, investors must analyze the company's P/E and PEG ratios in relation to its peer group and the overall market. Price to Sales (P/S) This ratio shows how much Wall Street values every dollar of the company's sales. How much you are paying for each sale. The lower the ratio, the more attractive the investment. Source: [url]http://www.investopedia.com/articles/analyst/043002.asp[/url]"