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COMMUNITY WEST BANCSHARES (CWBC) Stock Fundamental Analysis

NASDAQ:CWBC - Nasdaq - US2039371073 - Common Stock - Currency: USD

17.99  +0.49 (+2.8%)

After market: 17.99 0 (0%)

Fundamental Rating

3

Taking everything into account, CWBC scores 3 out of 10 in our fundamental rating. CWBC was compared to 398 industry peers in the Banks industry. CWBC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CWBC has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

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.
CWBC had positive earnings in 4 of the past 5 years.
CWBC had a positive operating cash flow in 4 of the past 5 years.
CWBC Yearly Net Income VS EBIT VS OCF VS FCFCWBC 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 5M 10M 15M 20M 25M

1.2 Ratios

CWBC has a Return On Assets of 0.67%. This is in the lower half of the industry: CWBC underperforms 63.07% of its industry peers.
CWBC's Return On Equity of 6.29% is on the low side compared to the rest of the industry. CWBC is outperformed by 67.59% of its industry peers.
Industry RankSector 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
CWBC Yearly ROA, ROE, ROICCWBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

CWBC's Profit Margin of 15.79% is on the low side compared to the rest of the industry. CWBC is outperformed by 73.87% 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 RankSector 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
CWBC Yearly Profit, Operating, Gross MarginsCWBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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4

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.
CWBC Yearly Shares OutstandingCWBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
CWBC Yearly Total Debt VS Total AssetsCWBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC10.21%
CWBC Yearly LT Debt VS Equity VS FCFCWBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CWBC Yearly Current Assets VS Current LiabilitesCWBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2M 4M 6M

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3

3. Growth

3.1 Past

The earnings per share for CWBC have decreased strongly by -41.47% in the last year.
CWBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.39% yearly.
EPS 1Y (TTM)-41.47%
EPS 3Y-18.08%
EPS 5Y-4.39%
EPS Q2Q%-28%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%59.58%

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 34.49% on average per year.
Based on estimates for the next years, CWBC will show a quite strong growth in Revenue. The Revenue will grow by 12.59% on average per year.
EPS Next Y65.29%
EPS Next 2Y34.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.4%
Revenue Next 2Y12.59%
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.
CWBC Yearly Revenue VS EstimatesCWBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M
CWBC Yearly EPS VS EstimatesCWBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.17, which indicates a correct valuation of CWBC.
Based on the Price/Earnings ratio, CWBC is valued a bit more expensive than 64.57% of the companies in the same industry.
When comparing the Price/Earnings ratio of CWBC to the average of the S&P500 Index (28.22), we can say CWBC is valued slightly cheaper.
CWBC is valuated reasonably with a Price/Forward Earnings ratio of 8.57.
CWBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CWBC is cheaper than 73.87% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CWBC to the average of the S&P500 Index (20.86), we can say CWBC is valued rather cheaply.
Industry RankSector Rank
PE 14.17
Fwd PE 8.57
CWBC Price Earnings VS Forward Price EarningsCWBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CWBC is valued a bit more expensive than 71.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19
EV/EBITDA N/A
CWBC Per share dataCWBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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 34.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y34.49%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

CWBC has a Yearly Dividend Yield of 2.76%. Purely for dividend investing, there may be better candidates out there.
CWBC's Dividend Yield is comparable with the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.44, CWBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.76%

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.
The dividend of CWBC decreased recently.
Dividend Growth(5Y)4.35%
Div Incr Years1
Div Non Decr Years1
CWBC Yearly Dividends per shareCWBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

77.40% of the earnings are spent on dividend by CWBC. 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 2Y34.49%
EPS Next 3YN/A
CWBC Yearly Income VS Free CF VS DividendCWBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
CWBC Dividend Payout.CWBC Dividend Payout, showing the Payout Ratio.CWBC Dividend Payout.PayoutRetained Earnings

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COMMUNITY WEST BANCSHARES

NASDAQ:CWBC (5/2/2025, 8:00:01 PM)

After market: 17.99 0 (0%)

17.99

+0.49 (+2.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners50.51%
Inst Owner Change-0.03%
Ins Owners9.77%
Ins Owner Change-0.87%
Market Cap342.89M
Analysts80
Price Target20.4 (13.4%)
Short Float %0.7%
Short Ratio2.21
Dividend
Industry RankSector Rank
Dividend Yield 2.76%
Yearly Dividend0.53
Dividend Growth(5Y)4.35%
DP77.4%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-07 2025-02-07 (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)-13.98%
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 RankSector Rank
PE 14.17
Fwd PE 8.57
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)1.27
EY7.06%
EPS(NY)2.1
Fwd EY11.67%
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 RankSector 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 RankSector 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
WACC10.21%
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)-41.47%
EPS 3Y-18.08%
EPS 5Y-4.39%
EPS Q2Q%-28%
EPS Next Y65.29%
EPS Next 2Y34.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%59.58%
Revenue Next Year20.4%
Revenue Next 2Y12.59%
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%