CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CWB-PR-D - CA1367658806
26.88 CAD
+0.04 (+0.15%)
CWB-PR-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 24 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
- CWB-PR-D had positive earnings in the past year.
- CWB-PR-D had a positive operating cash flow in the past year.
- In the past 5 years CWB-PR-D has always been profitable.
- CWB-PR-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CWB-PR-D has a Return On Assets (0.62%) which is comparable to the rest of the industry.
- With a Return On Equity value of 6.14%, CWB-PR-D is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
| 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
- With a Profit Margin value of 22.63%, CWB-PR-D perfoms like the industry average, outperforming 43.33% of the companies in the same industry.
- In the last couple of years the Profit Margin of CWB-PR-D has declined.
- CWB-PR-D does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- The number of shares outstanding for CWB-PR-D has been increased compared to 5 years ago.
- CWB-PR-D has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of CWB-PR-D is 7.63, which is on the high side as it means it would take CWB-PR-D, 7.63 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of CWB-PR-D (7.63) is better than 63.33% of its industry peers.
- CWB-PR-D has a Debt/Equity ratio of 0.97. This is a neutral value indicating CWB-PR-D is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.97, CWB-PR-D belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
| 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%.
- CWB-PR-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.78% yearly.
- CWB-PR-D shows a small growth in Revenue. In the last year, the Revenue has grown by 6.41%.
- CWB-PR-D shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.56% yearly.
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.
- The Revenue is expected to grow by 5.44% on average over the next years.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- The Price/Earnings ratio is 8.90, which indicates a very decent 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.
- CWB-PR-D's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
- The Price/Forward Earnings ratio is 7.76, which indicates a rather cheap valuation of CWB-PR-D.
- Based on the Price/Forward Earnings ratio, CWB-PR-D is valued a bit more expensive than 76.67% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of CWB-PR-D to the average of the S&P500 Index (24.32), we can say CWB-PR-D is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.9 | ||
| Fwd PE | 7.76 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CWB-PR-D is valued cheaply inside the industry as 96.67% of the companies are valued more expensively.
| 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%.
- Compared to an average industry Dividend Yield of 3.33, CWB-PR-D's dividend is way lower than its industry peers. On top of this 90.00% of the companies listed in the same industry pay a better dividend than CWB-PR-D!
- CWB-PR-D's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| 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 / 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.
Can you provide the valuation status for CANADIAN WESTERN BANK - CWBCN 7.651 PERP?
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.
What is the valuation of CANADIAN WESTERN BANK - CWBCN 7.651 PERP based on its PE and PB ratios?
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.
Is the dividend of CANADIAN WESTERN BANK - CWBCN 7.651 PERP sustainable?
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%.