CWBC Fundamental Analysis - COMMUNITY WEST BANCSHARES

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CWBC. CWBC was compared to 396 industry peers in the Banks industry. While CWBC seems to be doing ok healthwise, there are quite some concerns on its profitability. CWBC has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year CWBC was profitable.

In the past year CWBC had a positive cash flow from operations.

Of the past 5 years CWBC 4 years were profitable.

CWBC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.67%, CWBC is not doing good in the industry: 63.89% of the companies in the same industry are doing better.

CWBC has a Return On Equity of 6.29%. This is in the lower half of the industry: CWBC underperforms 66.92% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.67%
ROE	6.29%
ROIC	N/A

ROA(3y)1.01%

ROA(5y)0.95%

ROE(3y)10.38%

ROE(5y)10.02%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 15.79%, CWBC is not doing good in the industry: 73.99% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of CWBC has declined.

The Operating Margin and Gross Margin are not available for CWBC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	15.79%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.1%

PM growth 5Y-5%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CWBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for CWBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

There is no outstanding debt for CWBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC10.35%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CWBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.93%.

Measured over the past years, CWBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.39% on average per year.

EPS 1Y (TTM)-25.93%

EPS 3Y-18.08%

EPS 5Y-4.39%

EPS Q2Q%41.94%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%65.52%

3.2 Future

Based on estimates for the next years, CWBC will show a very strong growth in Earnings Per Share. The EPS will grow by 32.46% on average per year.

CWBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.60% yearly.

EPS Next Y58.38%

EPS Next 2Y32.46%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year21.67%

Revenue Next 2Y13.6%

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.

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4. Valuation

4.1 Price/Earnings Ratio

CWBC is valuated correctly with a Price/Earnings ratio of 12.85.

The rest of the industry has a similar Price/Earnings ratio as CWBC.

CWBC is valuated cheaply when we compare the Price/Earnings ratio to 26.55, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 8.07, the valuation of CWBC can be described as reasonable.

75.51% of the companies in the same industry are more expensive than CWBC, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of CWBC to the average of the S&P500 Index (22.30), we can say CWBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.85
Fwd PE	8.07

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CWBC is valued a bit more expensive than the industry average as 73.99% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	19
EV/EBITDA	N/A

4.3 Compensation for Growth

CWBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CWBC's earnings are expected to grow with 32.46% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.22

PEG (5Y)N/A

EPS Next 2Y32.46%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CWBC has a Yearly Dividend Yield of 2.71%.

Compared to an average industry Dividend Yield of 3.51, CWBC has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.39, CWBC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.71%

5.2 History

The dividend of CWBC has a limited annual growth rate of 4.35%.

CWBC has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)4.35%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

CWBC pays out 77.40% of its income as dividend. This is not a sustainable payout ratio.

CWBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP77.4%

EPS Next 2Y32.46%

EPS Next 3YN/A

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COMMUNITY WEST BANCSHARES

NASDAQ:CWBC (6/6/2025, 8:00:01 PM)

After market: 17.99 0 (0%)

17.99

+0.25 (+1.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-21 2025-07-21/amc

Inst Owners50.51%

Inst Owner Change-44.15%

Ins Owners9.77%

Ins Owner Change1.37%

Market Cap342.89M

Analysts80

Price Target20.4 (13.4%)

Short Float %0.69%

Short Ratio2.26

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.71%

Yearly Dividend0.53

Dividend Growth(5Y)4.35%

DP77.4%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-02 2025-05-02 (0.12)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.07%

Min EPS beat(2)-4.02%

Max EPS beat(2)-0.11%

EPS beat(4)0

Avg EPS beat(4)-6.9%

Min EPS beat(4)-12.36%

Max EPS beat(4)-0.11%

EPS beat(8)3

Avg EPS beat(8)-1.98%

EPS beat(12)6

Avg EPS beat(12)3.55%

EPS beat(16)9

Avg EPS beat(16)7.02%

Revenue beat(2)0

Avg Revenue beat(2)-4.66%

Min Revenue beat(2)-5.17%

Max Revenue beat(2)-4.14%

Revenue beat(4)0

Avg Revenue beat(4)-16.37%

Min Revenue beat(4)-47.44%

Max Revenue beat(4)-4.14%

Revenue beat(8)0

Avg Revenue beat(8)-26.94%

Revenue beat(12)0

Avg Revenue beat(12)-30.58%

Revenue beat(16)0

Avg Revenue beat(16)-32.6%

PT rev (1m)0%

PT rev (3m)-13.98%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	12.85
Fwd PE	8.07
P/S	7.41
P/FCF	19
P/OCF	12.31
P/B	2.95
P/tB	2.95
EV/EBITDA	N/A

EPS(TTM)1.4

EY7.78%

EPS(NY)2.23

Fwd EY12.39%

FCF(TTM)0.95

FCFY5.26%

OCF(TTM)1.46

OCFY8.12%

SpS2.43

BVpS6.1

TBVpS6.1

PEG (NY)0.22

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.67%
ROE	6.29%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	15.79%
GM	N/A
FCFM	38.99%

ROA(3y)1.01%

ROA(5y)0.95%

ROE(3y)10.38%

ROE(5y)10.02%

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-8.1%

PM growth 5Y-5%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	99.09%
Cap/Sales	21.19%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	246.9%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC10.35%

ROIC/WACCN/A

Cap/Depr(3y)53.27%

Cap/Depr(5y)90.26%

Cap/Sales(3y)7.38%

Cap/Sales(5y)5.73%

Profit Quality(3y)152.16%

Profit Quality(5y)158.49%

High Growth Momentum

Growth

EPS 1Y (TTM)-25.93%

EPS 3Y-18.08%

EPS 5Y-4.39%

EPS Q2Q%41.94%

EPS Next Y58.38%

EPS Next 2Y32.46%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%65.52%

Revenue Next Year21.67%

Revenue Next 2Y13.6%

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 1Y221.1%

FCF growth 3Y5.2%

FCF growth 5Y4.1%

OCF growth 1Y375.29%

OCF growth 3Y20.7%

OCF growth 5Y11.28%

COMMUNITY WEST BANCSHARES (CWBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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