Logo image of CWBC

COMMUNITY WEST BANCSHARES (CWBC) Stock Fundamental Analysis

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

17.37  -0.01 (-0.06%)

After market: 17.37 0 (0%)

Fundamental Rating

3

CWBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year CWBC was profitable.
CWBC had a positive operating cash flow in the past year.
Of the past 5 years CWBC 4 years were profitable.
Of the past 5 years CWBC 4 years had a positive operating cash flow.
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

Looking at the Return On Assets, with a value of 0.67%, CWBC is doing worse than 63.07% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.29%, CWBC is doing worse than 67.59% of the companies in the same industry.
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 has a worse Profit Margin (15.79%) than 73.87% of its industry peers.
CWBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CWBC so they could not be analyzed.
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

More info and screens

4

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.
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

CWBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC10.22%
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

More info and screens

3

3. Growth

3.1 Past

CWBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.47%.
The Earnings Per Share has been decreasing by -4.39% on average over the past years.
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.
CWBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.59% yearly.
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

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.
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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.68 indicates a correct valuation of CWBC.
65.08% of the companies in the same industry are cheaper than CWBC, based on the Price/Earnings ratio.
CWBC is valuated cheaply when we compare the Price/Earnings ratio to 28.78, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.27, the valuation of CWBC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CWBC is valued a bit cheaper than 72.61% of the companies in the same industry.
CWBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.
Industry RankSector Rank
PE 13.68
Fwd PE 8.27
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

CWBC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CWBC is more expensive than 71.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.35
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.
A more expensive valuation may be justified as CWBC's earnings are expected to grow with 34.49% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y34.49%
EPS Next 3YN/A

More info and screens

4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.76%, CWBC has a reasonable but not impressive dividend return.
CWBC's Dividend Yield is comparable with the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.46, 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 been paying a dividend for at least 10 years, so it has a reliable track record.
CWBC has decreased its dividend 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

More info and screens

COMMUNITY WEST BANCSHARES

NASDAQ:CWBC (4/25/2025, 8:00:00 PM)

After market: 17.37 0 (0%)

17.37

-0.01 (-0.06%)

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-77.28%
Ins Owners9.77%
Ins Owner Change-0.87%
Market Cap331.07M
Analysts80
Price Target20.4 (17.44%)
Short Float %0.85%
Short Ratio2.68
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 13.68
Fwd PE 8.27
P/S 7.15
P/FCF 18.35
P/OCF 11.89
P/B 2.85
P/tB 2.85
EV/EBITDA N/A
EPS(TTM)1.27
EY7.31%
EPS(NY)2.1
Fwd EY12.08%
FCF(TTM)0.95
FCFY5.45%
OCF(TTM)1.46
OCFY8.41%
SpS2.43
BVpS6.1
TBVpS6.1
PEG (NY)0.21
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
WACC10.22%
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%