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%)
We assign a fundamental rating of 3 out of 10 to CWB-PR-D. 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
CWB-PR-D had positive earnings in the past year.
In the past year CWB-PR-D had a positive cash flow from operations.
In the past 5 years CWB-PR-D has always been profitable.
Of the past 5 years CWB-PR-D 4 years had a positive operating cash flow.
1.2 Ratios
CWB-PR-D's Return On Assets of 0.62% is in line compared to the rest of the industry. CWB-PR-D outperforms 43.33% of its industry peers.
Looking at the Return On Equity, with a value of 6.14%, CWB-PR-D is doing worse than 90.00% of the companies in the same industry.
| 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.
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.
The number of shares outstanding for CWB-PR-D has been increased compared to 1 year ago.
Compared to 5 years ago, CWB-PR-D has more shares outstanding
Compared to 1 year ago, CWB-PR-D has a worse debt to assets ratio.
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.
With a decent Debt to FCF ratio value of 7.63, CWB-PR-D is doing good in the industry, outperforming 63.33% of the companies in the same industry.
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.
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%.
CWB-PR-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.78% yearly.
Looking at the last year, CWB-PR-D shows a small growth in Revenue. The Revenue has grown by 6.41% in the last year.
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
CWB-PR-D is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.25% yearly.
CWB-PR-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.44% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.90 indicates a reasonable valuation of CWB-PR-D.
Based on the Price/Earnings ratio, CWB-PR-D is valued a bit more expensive than the industry average as 73.33% of the companies are valued more cheaply.
CWB-PR-D's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.08.
Based on the Price/Forward Earnings ratio of 7.76, the valuation of CWB-PR-D can be described as very cheap.
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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, CWB-PR-D is valued rather cheaply.
| 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
With a Yearly Dividend Yield of 2.54%, CWB-PR-D has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.60, 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!
Compared to an average S&P500 Dividend Yield of 2.30, 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.
CWB-PR-D's earnings are growing more than its dividend. This makes the dividend growth 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%.