CWBC Fundamental Analysis - COMMUNITY WEST BANCSHARES

Fundamental Rating

Overall CWBC gets a fundamental rating of 3 out of 10. We evaluated CWBC against 394 industry peers in the Banks industry. While CWBC seems to be doing ok healthwise, there are quite some concerns on its profitability. CWBC is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year CWBC was profitable.

CWBC had a positive operating cash flow in the past year.

CWBC had positive earnings in 4 of the past 5 years.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 0.67%, CWBC is doing worse than 63.73% of the companies in the same industry.

CWBC's Return On Equity of 6.29% is on the low side compared to the rest of the industry. CWBC is outperformed by 66.75% 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

CWBC has a worse Profit Margin (15.79%) than 73.80% of its industry peers.

CWBC's Profit Margin has declined in the last couple of years.

CWBC 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)	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.

CWBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

CWBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

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

ROIC/WACCN/A

WACC10.16%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CWBC have decreased strongly by -25.93% in the last year.

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

CWBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.23% yearly.

CWBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.21% yearly.

EPS Next Y58.42%

EPS Next 2Y33.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year20.28%

Revenue Next 2Y13.21%

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.

More info and screens

Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

CWBC is valuated correctly with a Price/Earnings ratio of 14.80.

CWBC's Price/Earnings ratio is a bit more expensive when compared to the industry. CWBC is more expensive than 63.73% of the companies in the same industry.

CWBC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.

CWBC is valuated reasonably with a Price/Forward Earnings ratio of 9.19.

Based on the Price/Forward Earnings ratio, CWBC is valued a bit cheaper than 66.75% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of CWBC to the average of the S&P500 Index (35.19), we can say CWBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.8
Fwd PE	9.19

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CWBC is valued a bit more expensive than 74.56% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	21.88
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.

CWBC's earnings are expected to grow with 33.23% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.25

PEG (5Y)N/A

EPS Next 2Y33.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.29%, CWBC has a reasonable but not impressive dividend return.

CWBC's Dividend Yield is slightly below the industry average, which is at 3.31.

Compared to an average S&P500 Dividend Yield of 2.35, CWBC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.29%

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.

The dividend of CWBC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP77.4%

EPS Next 2Y33.23%

EPS Next 3YN/A

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COMMUNITY WEST BANCSHARES

NASDAQ:CWBC (7/11/2025, 8:02:33 PM)

After market: 20.72 0 (0%)

20.72

-0.27 (-1.29%)

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 Owners50.19%

Inst Owner Change0%

Ins Owners9.98%

Ins Owner Change2.61%

Market Cap394.92M

Analysts80

Price Target21.76 (5.02%)

Short Float %0.78%

Short Ratio2.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.29%

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)6.67%

PT rev (3m)-6.23%

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	14.8
Fwd PE	9.19
P/S	8.53
P/FCF	21.88
P/OCF	14.18
P/B	3.4
P/tB	3.4
EV/EBITDA	N/A

EPS(TTM)1.4

EY6.76%

EPS(NY)2.25

Fwd EY10.88%

FCF(TTM)0.95

FCFY4.57%

OCF(TTM)1.46

OCFY7.05%

SpS2.43

BVpS6.1

TBVpS6.1

PEG (NY)0.25

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

WACC10.16%

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 Y58.42%

EPS Next 2Y33.23%

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 Year20.28%

Revenue Next 2Y13.21%

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

More info and screens