Logo image of CWB-PR-D.CA

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%)
Last: 3/12/2025, 7:00:00 PM
Fundamental Rating

3

CWB-PR-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 26 industry peers in the Banks industry. CWB-PR-D may be in some trouble as it scores bad on both profitability and health. CWB-PR-D has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

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.
CWB-PR-D.CA Yearly Net Income VS EBIT VS OCF VS FCFCWB-PR-D.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

With a Return On Assets value of 0.62%, CWB-PR-D perfoms like the industry average, outperforming 43.33% of the companies in the same industry.
CWB-PR-D has a worse Return On Equity (6.14%) than 90.00% of its industry peers.
Industry RankSector 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
CWB-PR-D.CA Yearly ROA, ROE, ROICCWB-PR-D.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of CWB-PR-D (22.63%) is comparable to the rest of the industry.
CWB-PR-D's Profit Margin has declined in the last couple of years.
CWB-PR-D does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
CWB-PR-D.CA Yearly Profit, Operating, Gross MarginsCWB-PR-D.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

More info and screens

2

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.
The number of shares outstanding for CWB-PR-D has been increased compared to 5 years ago.
The debt/assets ratio for CWB-PR-D is higher compared to a year ago.
CWB-PR-D.CA Yearly Shares OutstandingCWB-PR-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
CWB-PR-D.CA Yearly Total Debt VS Total AssetsCWB-PR-D.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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.
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.
A Debt/Equity ratio of 0.97 indicates that CWB-PR-D is somewhat dependend on debt financing.
The Debt to Equity ratio of CWB-PR-D (0.97) is better than 93.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.63
Altman-Z N/A
ROIC/WACCN/A
WACC27.34%
CWB-PR-D.CA Yearly LT Debt VS Equity VS FCFCWB-PR-D.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CWB-PR-D.CA Yearly Current Assets VS Current LiabilitesCWB-PR-D.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

More info and screens

4

3. Growth

3.1 Past

The earnings per share for CWB-PR-D have decreased strongly by -15.64% in the last year.
CWB-PR-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.78% yearly.
The Revenue has been growing slightly by 6.41% in the past 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

The Earnings Per Share is expected to grow by 12.25% on average over the next years. This is quite good.
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.
CWB-PR-D.CA Yearly Revenue VS EstimatesCWB-PR-D.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
CWB-PR-D.CA Yearly EPS VS EstimatesCWB-PR-D.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.90, which indicates a very decent valuation of CWB-PR-D.
Based on the Price/Earnings ratio, CWB-PR-D is valued a bit more expensive than 73.33% of the companies in the same industry.
When comparing the Price/Earnings ratio of CWB-PR-D to the average of the S&P500 Index (27.38), we can say CWB-PR-D is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.76, the valuation of CWB-PR-D can be described as very cheap.
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.
CWB-PR-D is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.9
Fwd PE 7.76
CWB-PR-D.CA Price Earnings VS Forward Price EarningsCWB-PR-D.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CWB-PR-D's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CWB-PR-D is cheaper than 96.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.24
EV/EBITDA N/A
CWB-PR-D.CA Per share dataCWB-PR-D.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600 800

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.
CWB-PR-D's earnings are expected to grow with 12.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y12.25%
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.54%, CWB-PR-D has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.54, CWB-PR-D pays less dividend than the industry average, which is at 4.04. 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 2.38, CWB-PR-D has a dividend comparable with the average S&P500 company.
Industry RankSector 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.
As CWB-PR-D did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)4.68%
Div Incr Years1
Div Non Decr Years5
CWB-PR-D.CA Yearly Dividends per shareCWB-PR-D.CA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

58.26% of the earnings are spent on dividend by CWB-PR-D. 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
CWB-PR-D.CA Yearly Income VS Free CF VS DividendCWB-PR-D.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
CWB-PR-D.CA Dividend Payout.CWB-PR-D.CA Dividend Payout, showing the Payout Ratio.CWB-PR-D.CA Dividend Payout.PayoutRetained Earnings

More info and screens

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)02-27 2025-02-27
Earnings (Next)05-29 2025-05-29
Inst Owners129.62%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap134.40M
Analysts70
Price Target24.48 (-8.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.54%
Yearly Dividend1.62
Dividend Growth(5Y)4.68%
DP58.26%
Div Incr Years1
Div Non Decr Years5
Ex-Date01-24 2025-01-24 (0.4781875)
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 RankSector 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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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%