CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA) Stock Fundamental Analysis
Canada - TSX:CWB-PR-D - CA1367658806
26.88 CAD
+0.04 (+0.15%)
Taking everything into account, CWB-PR-D scores 3 out of 10 in our fundamental rating. CWB-PR-D was compared to 26 industry peers in the Banks industry. Both the profitability and financial health of CWB-PR-D have multiple concerns. CWB-PR-D has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CWB-PR-D was profitable.
CWB-PR-D had a positive operating cash flow in the past year.
Each year in the past 5 years CWB-PR-D has been profitable.
Of the past 5 years CWB-PR-D 4 years had a positive operating cash flow.
1.2 Ratios
CWB-PR-D has a Return On Assets of 0.62%. This is comparable to the rest of the industry: CWB-PR-D outperforms 43.33% of its industry peers.
CWB-PR-D's Return On Equity of 6.14% is on the low side compared to the rest of the industry. CWB-PR-D is outperformed by 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.14% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.75%
ROE(3y)7.5%
ROE(5y)7.85%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CWB-PR-D has a Profit Margin (22.63%) which is in line with its industry peers.
In the last couple of years the Profit Margin of CWB-PR-D has declined.
The Operating Margin and Gross Margin are not available for CWB-PR-D so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.63% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.12%
PM growth 5Y-6.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CWB-PR-D does not have a ROIC to compare to the WACC, probably because it is not profitable.
CWB-PR-D has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CWB-PR-D has more shares outstanding
The debt/assets ratio for CWB-PR-D is higher compared to a year ago.
2.2 Solvency
CWB-PR-D has a debt to FCF ratio of 7.63. This is a slightly negative value and a sign of low solvency as CWB-PR-D would need 7.63 years to pay back of all of its debts.
CWB-PR-D has a better Debt to FCF ratio (7.63) than 63.33% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that CWB-PR-D is somewhat dependend on debt financing.
CWB-PR-D has a Debt to Equity ratio of 0.97. This is amongst the best in the industry. CWB-PR-D outperforms 93.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 7.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC27.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CWB-PR-D shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.64%.
Measured over the past years, CWB-PR-D shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.78% on average per year.
CWB-PR-D shows a small growth in Revenue. In the last year, the Revenue has grown by 6.41%.
Measured over the past years, CWB-PR-D shows a small growth in Revenue. The Revenue has been growing by 6.56% on average per year.
EPS 1Y (TTM)-15.64%
EPS 3Y-7.45%
EPS 5Y-0.78%
EPS Q2Q%-27.66%
Revenue 1Y (TTM)6.41%
Revenue growth 3Y5.23%
Revenue growth 5Y6.56%
Sales Q2Q%7.13%
3.2 Future
Based on estimates for the next years, CWB-PR-D will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.25% on average per year.
Based on estimates for the next years, CWB-PR-D will show a small growth in Revenue. The Revenue will grow by 5.44% on average per year.
EPS Next Y14.77%
EPS Next 2Y12.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.13%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.90 indicates a reasonable valuation of CWB-PR-D.
73.33% of the companies in the same industry are cheaper than CWB-PR-D, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CWB-PR-D to the average of the S&P500 Index (26.11), we can say CWB-PR-D is valued rather cheaply.
The Price/Forward Earnings ratio is 7.76, which indicates a rather cheap valuation of CWB-PR-D.
CWB-PR-D's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CWB-PR-D is more expensive than 76.67% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.55. CWB-PR-D is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.9 | ||
| Fwd PE | 7.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CWB-PR-D indicates a rather cheap valuation: CWB-PR-D is cheaper than 96.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CWB-PR-D's earnings are expected to grow with 12.25% in the coming years.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y12.25%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CWB-PR-D has a Yearly Dividend Yield of 2.54%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.54, CWB-PR-D pays less dividend than the industry average, which is at 3.82. 90.00% of the companies listed in the same industry pay a better dividend than CWB-PR-D!
Compared to an average S&P500 Dividend Yield of 2.37, CWB-PR-D has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.54% |
5.2 History
The dividend of CWB-PR-D has a limited annual growth rate of 4.68%.
CWB-PR-D has been paying a dividend for over 5 years, so it has already some track record.
CWB-PR-D has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)4.68%
Div Incr Years1
Div Non Decr Years5
5.3 Sustainability
CWB-PR-D pays out 58.26% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CWB-PR-D is growing, but earnings are growing more, so the dividend growth is sustainable.
DP58.26%
EPS Next 2Y12.25%
EPS Next 3YN/A
CANADIAN WESTERN BANK - CWBCN 7.651 PERP
TSX:CWB-PR-D (3/12/2025, 7:00:00 PM)
26.88
+0.04 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners129.62%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap134.40M
Revenue(TTM)1.18B
Net Income(TTM)267.88M
Analysts70
Price Target24.48 (-8.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.54% |
Yearly Dividend1.62
Dividend Growth(5Y)4.68%
DP58.26%
Div Incr Years1
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-26.69%
Min EPS beat(2)-30.52%
Max EPS beat(2)-22.86%
EPS beat(4)1
Avg EPS beat(4)-14.69%
Min EPS beat(4)-30.52%
Max EPS beat(4)1.04%
EPS beat(8)4
Avg EPS beat(8)-5.09%
EPS beat(12)5
Avg EPS beat(12)-4.04%
EPS beat(16)9
Avg EPS beat(16)0.69%
Revenue beat(2)1
Avg Revenue beat(2)0.26%
Min Revenue beat(2)-0.24%
Max Revenue beat(2)0.76%
Revenue beat(4)1
Avg Revenue beat(4)-1.19%
Min Revenue beat(4)-3.13%
Max Revenue beat(4)0.76%
Revenue beat(8)2
Avg Revenue beat(8)-1.56%
Revenue beat(12)2
Avg Revenue beat(12)-1.93%
Revenue beat(16)5
Avg Revenue beat(16)-1.43%
PT rev (1m)0%
PT rev (3m)1.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.22%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.9 | ||
| Fwd PE | 7.76 | ||
| P/S | 0.11 | ||
| P/FCF | 0.24 | ||
| P/OCF | 0.2 | ||
| P/B | 0.03 | ||
| P/tB | 0.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.02
EY11.24%
EPS(NY)3.47
Fwd EY12.89%
FCF(TTM)110.58
FCFY411.38%
OCF(TTM)137
OCFY509.66%
SpS236.78
BVpS871.89
TBVpS795.61
PEG (NY)0.6
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.14% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.63% | ||
| GM | N/A | ||
| FCFM | 46.7% |
ROA(3y)0.71%
ROA(5y)0.75%
ROE(3y)7.5%
ROE(5y)7.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.12%
PM growth 5Y-6.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 7.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 185.95% | ||
| Cap/Sales | 11.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 206.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC27.34%
ROIC/WACCN/A
Cap/Depr(3y)145.14%
Cap/Depr(5y)128.04%
Cap/Sales(3y)9.15%
Cap/Sales(5y)7.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.64%
EPS 3Y-7.45%
EPS 5Y-0.78%
EPS Q2Q%-27.66%
EPS Next Y14.77%
EPS Next 2Y12.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.41%
Revenue growth 3Y5.23%
Revenue growth 5Y6.56%
Sales Q2Q%7.13%
Revenue Next Year6.13%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y189.15%
FCF growth 3Y-9.45%
FCF growth 5YN/A
OCF growth 1Y226.52%
OCF growth 3Y-5.07%
OCF growth 5Y102.74%
CANADIAN WESTERN BANK - CWBCN 7.651 PERP / CWB-PR-D.CA FAQ
Can you provide the ChartMill fundamental rating for CANADIAN WESTERN BANK - CWBCN 7.651 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to CWB-PR-D.CA.
What is the valuation status for CWB-PR-D stock?
ChartMill assigns a valuation rating of 6 / 10 to CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA). This can be considered as Fairly Valued.
What is the profitability of CWB-PR-D stock?
CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for CWB-PR-D stock?
The Price/Earnings (PE) ratio for CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA) is 8.9 and the Price/Book (PB) ratio is 0.03.
How sustainable is the dividend of CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA) stock?
The dividend rating of CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA) is 5 / 10 and the dividend payout ratio is 58.26%.