NASDAQ Financial Services Banks - Regional CWBC

Community West Bancshares

$ 25.19 0.76 %

Community West Bancshares acts as the holding company for Community West Bank, N.A., providing a comprehensive array of financial products and services across California. The company's offerings include various deposit accounts, such as checking, savings, money market accounts, and fixed-rate, fixed-maturity certificates of deposit, alongside cash management solutions. Its lending portfolio is extensive, featuring commercial, commercial real estate, consumer, manufactured housing, and Small Business Administration (SBA) loans. Additionally, it extends agricultural loans for both property and operational financing, home equity lines of credit secured by residential properties, single-family residential loans, and installment loans like those for automobiles and general purposes. Community West Bancshares primarily serves small to medium-sized enterprises and their owners, professionals, affluent individuals, and non-profit organizations. The bank operates through seven branch locations situated in Goleta, Santa Barbara, Santa Maria, Ventura, San Luis Obispo, Oxnard, and Paso Robles. The institution was established in 1989 and has its headquarters in Goleta, California.

CEO: James J. Kim - https://www.communitywest.com

Summary 30-Y Financials Dividend Analyst Key metrics Ownership / Senat
Price objectif

$29.75 18.10 %

Recommandation

Buy

DCF

$ 51.00

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CWBC vs S&P500

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Quick ratio

1.12

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

11.66

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

2.16

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

10.30 %

reflects reasonable profitability, showing good use of equity.

ROIC

1.12 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

12.09

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.25

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

2.15

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

22.20 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
8 indicates good financial health
Altman score
0.29 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
1.12 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.03 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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