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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.21
CWBC's Cash to Debt is ranked higher than
57% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. CWBC: 3.21 )
Ranked among companies with meaningful Cash to Debt only.
CWBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.31 Max: No Debt
Current: 3.21
Equity to Asset 0.10
CWBC's Equity to Asset is ranked lower than
51% of the 1608 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CWBC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CWBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.13
Current: 0.1
0.07
0.13
Interest Coverage 3.26
CWBC's Interest Coverage is ranked higher than
69% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. CWBC: 3.26 )
Ranked among companies with meaningful Interest Coverage only.
CWBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.54 Max: 3.66
Current: 3.26
0.12
3.66
F-Score: 6
M-Score: -2.47
WACC vs ROIC
3.62%
14.18%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 31.29
CWBC's Operating margin (%) is ranked higher than
51% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. CWBC: 31.29 )
Ranked among companies with meaningful Operating margin (%) only.
CWBC' s Operating margin (%) Range Over the Past 10 Years
Min: -32.2  Med: 13.69 Max: 44.49
Current: 31.29
-32.2
44.49
Net-margin (%) 18.49
CWBC's Net-margin (%) is ranked lower than
64% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. CWBC: 18.49 )
Ranked among companies with meaningful Net-margin (%) only.
CWBC' s Net-margin (%) Range Over the Past 10 Years
Min: -33.28  Med: 10.12 Max: 34.08
Current: 18.49
-33.28
34.08
ROE (%) 8.96
CWBC's ROE (%) is ranked higher than
53% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. CWBC: 8.96 )
Ranked among companies with meaningful ROE (%) only.
CWBC' s ROE (%) Range Over the Past 10 Years
Min: -20.54  Med: 4.03 Max: 13.18
Current: 8.96
-20.54
13.18
ROA (%) 0.91
CWBC's ROA (%) is ranked higher than
52% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CWBC: 0.91 )
Ranked among companies with meaningful ROA (%) only.
CWBC' s ROA (%) Range Over the Past 10 Years
Min: -1.61  Med: 0.52 Max: 1.68
Current: 0.91
-1.61
1.68
Revenue Growth (3Y)(%) -0.70
CWBC's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CWBC: -0.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CWBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.4  Med: 0.6 Max: 20.3
Current: -0.7
-17.4
20.3
EBITDA Growth (3Y)(%) 14.60
CWBC's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. CWBC: 14.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CWBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -51.1  Med: 5.9 Max: 189.3
Current: 14.6
-51.1
189.3
EPS Growth (3Y)(%) -1.10
CWBC's EPS Growth (3Y)(%) is ranked lower than
73% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CWBC: -1.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CWBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4 Max: 75.9
Current: -1.1
0
75.9
GuruFocus has detected 3 Warning Signs with Community West Bancshares $CWBC.
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» CWBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-26)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:SBFG, NAS:PFBX, OTCPK:CMTV, OTCPK:CRLN, OTCPK:CLDB, NAS:PLBC, OTCPK:HARL, OTCPK:COFS, OTCPK:TYCB, NAS:SFBC, NAS:UBCP, NAS:EBMT, NAS:MGYR, NAS:CWAY, NAS:MFNC, NAS:BYBK, OTCPK:CPKF, NAS:ASRV, OTCBB:CSBB, NAS:UBOH » details
Community West Bancshares is a bank holding company providing banking and financial products such as lending and deposit products to small to mid-sized businesses and individual households, through its wholly-owned subsidiary Community West Bank, N.A.

Community West Bancshares was incorporated in the State of California on November 26, 1996. It is a bank holding company providing full service banking through its wholly-owned subsidiary Community West Bank, N.A. (CWB). Through its wholly owned bank, the Company provides a financial products and services such as lending and deposit products to professionals, small to mid-sized businesses and individual households. Relationship banking is conducted at the community level through five full-service branch offices in the cities of Goleta, Santa Barbara, Santa Maria, Ventura and Westlake Village, California. The primary customers are small to mid-sized businesses in these communities and their owners and managers. Its deposit products include checking accounts, savings accounts, money market accounts and fixed rate, fixed maturity certificates of deposits and lending products including; commercial, commercial real estate and consumer loans. CWB also offers Business & Industry loans. CWB also originates conventional and investor loans which are funded by the Company's secondary-market partners for which the Bank receives a premium. The Company has an agricultural lending program for agricultural land, agricultural operational lines, and agricultural term loans for crops, equipment and livestock. CWB is an approved Federal Agricultural Mortgage Corporation lender under the Farmer Mac I and Farmer Mac II Programs. The Company originates residential real estate loans primarily in the Central Coast of California. The Bank provides loans, letters of credit and other trade-related services to commercial enterprises that conduct business outside the United States. It competes for loans, deposits and customers with other banks, credit unions, securities and brokerage companies, mortgage companies, insurance companies, finance companies, and other non-bank financial services providers.

Ratios

vs
industry
vs
history
P/E(ttm) 13.65
CWBC's P/E(ttm) is ranked higher than
51% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. CWBC: 13.65 )
Ranked among companies with meaningful P/E(ttm) only.
CWBC' s P/E(ttm) Range Over the Past 10 Years
Min: 5.68  Med: 14.31 Max: 30.63
Current: 13.65
5.68
30.63
PE(NRI) 13.65
CWBC's PE(NRI) is ranked higher than
51% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. CWBC: 13.65 )
Ranked among companies with meaningful PE(NRI) only.
CWBC' s PE(NRI) Range Over the Past 10 Years
Min: 5.68  Med: 14.31 Max: 30.63
Current: 13.65
5.68
30.63
Price/Owner Earnings (ttm) 11.52
CWBC's Price/Owner Earnings (ttm) is ranked higher than
60% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. CWBC: 11.52 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CWBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.07  Med: 11.22 Max: 27.34
Current: 11.52
2.07
27.34
P/B 1.14
CWBC's P/B is ranked lower than
52% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CWBC: 1.14 )
Ranked among companies with meaningful P/B only.
CWBC' s P/B Range Over the Past 10 Years
Min: 0.21  Med: 0.9 Max: 2.08
Current: 1.14
0.21
2.08
P/S 2.48
CWBC's P/S is ranked higher than
64% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CWBC: 2.48 )
Ranked among companies with meaningful P/S only.
CWBC' s P/S Range Over the Past 10 Years
Min: 0.28  Med: 1.76 Max: 3.4
Current: 2.48
0.28
3.4
PFCF 8.71
CWBC's PFCF is ranked higher than
62% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. CWBC: 8.71 )
Ranked among companies with meaningful PFCF only.
CWBC' s PFCF Range Over the Past 10 Years
Min: 1.03  Med: 7.58 Max: 44.67
Current: 8.71
1.03
44.67
POCF 7.80
CWBC's POCF is ranked higher than
61% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. CWBC: 7.80 )
Ranked among companies with meaningful POCF only.
CWBC' s POCF Range Over the Past 10 Years
Min: 0.99  Med: 6.97 Max: 28.6
Current: 7.8
0.99
28.6
EV-to-EBIT 6.36
CWBC's EV-to-EBIT is ranked higher than
73% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. CWBC: 6.36 )
Ranked among companies with meaningful EV-to-EBIT only.
CWBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -57  Med: 11.2 Max: 351.2
Current: 6.36
-57
351.2
EV-to-EBITDA 5.98
CWBC's EV-to-EBITDA is ranked higher than
73% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. CWBC: 5.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
CWBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -77.3  Med: 10.8 Max: 129.9
Current: 5.98
-77.3
129.9
Shiller P/E 93.27
CWBC's Shiller P/E is ranked lower than
96% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CWBC: 93.27 )
Ranked among companies with meaningful Shiller P/E only.
CWBC' s Shiller P/E Range Over the Past 10 Years
Min: 6.11  Med: 26.22 Max: 97.34
Current: 93.27
6.11
97.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
CWBC's Dividend Yield is ranked lower than
79% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. CWBC: 1.49 )
Ranked among companies with meaningful Dividend Yield only.
CWBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.3  Med: 1.55 Max: 6.23
Current: 1.49
0.3
6.23
Dividend Payout 0.19
CWBC's Dividend Payout is ranked higher than
77% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CWBC: 0.19 )
Ranked among companies with meaningful Dividend Payout only.
CWBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.37 Max: 0.5
Current: 0.19
0.05
0.5
Forward Dividend Yield 1.47
CWBC's Forward Dividend Yield is ranked lower than
82% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. CWBC: 1.47 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.49
CWBC's Yield on cost (5-Year) is ranked lower than
83% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. CWBC: 1.49 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CWBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.3  Med: 1.55 Max: 6.23
Current: 1.49
0.3
6.23
3-Year Average Share Buyback Ratio -11.10
CWBC's 3-Year Average Share Buyback Ratio is ranked lower than
77% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. CWBC: -11.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CWBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28.4  Med: -0.6 Max: 3
Current: -11.1
-28.4
3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
CWBC's Price/Tangible Book is ranked higher than
52% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CWBC: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
CWBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.26  Med: 0.99 Max: 3.17
Current: 1.15
0.26
3.17
Price/Projected FCF 0.58
CWBC's Price/Projected FCF is ranked higher than
68% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CWBC: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
CWBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.48 Max: 1.23
Current: 0.58
0.1
1.23
Price/Median PS Value 1.41
CWBC's Price/Median PS Value is ranked lower than
76% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CWBC: 1.41 )
Ranked among companies with meaningful Price/Median PS Value only.
CWBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.17  Med: 1.01 Max: 5.01
Current: 1.41
0.17
5.01
Price/Graham Number 0.84
CWBC's Price/Graham Number is ranked higher than
55% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CWBC: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
CWBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 0.97 Max: 4.59
Current: 0.84
0.48
4.59
Earnings Yield (Greenblatt) (%) 15.68
CWBC's Earnings Yield (Greenblatt) (%) is ranked higher than
80% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CWBC: 15.68 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CWBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 5.7 Max: 48.9
Current: 15.68
0.3
48.9
Forward Rate of Return (Yacktman) (%) 1.92
CWBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
74% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. CWBC: 1.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CWBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.92  Med: 19.9 Max: 59.3
Current: 1.92
1.92
59.3

More Statistics

Revenue (TTM) (Mil) $31.04
EPS (TTM) $ 0.67
Beta-0.02
Short Percentage of Float0.11%
52-Week Range $6.79 - 9.95
Shares Outstanding (Mil)8.09
» More Articles for CWBC

Headlines

Articles On GuruFocus.com
Community West Bancshares (CWBC) CFO Charles G Baltuskonis buys 1,000 Shares Dec 14 2010 
Community West Bancshares Reports Operating Results (10-Q) Nov 12 2010 
Community West Bancshares Reports Operating Results (10-Q) Aug 12 2010 
Community West Bancshares (CWBC) CFO Charles G Baltuskonis buys 1,961 Shares Jul 23 2010 
Community West Bancshares (CWBC) CFO Charles G Baltuskonis buys 1,000 Shares May 18 2010 
Community West Bancshares Reports Operating Results (10-Q) May 14 2010 
Community West Bancshares Reports Operating Results (10-Q) Aug 14 2009 
Community West Bancshares (CWBC) CFO Charles G Baltuskonis buys 1,110 Shares Jun 10 2009 
Community West Bancshares Reports Operating Results (10-Q) May 15 2009 

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COMMUNITY WEST BANCSHARES / Financials Nov 09 2016
COMMUNITY WEST BANCSHARES / Files SEC form 10-Q, Quarterly Report Nov 02 2016
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Community West Bank Invests in Santa Barbara County Housing Trust Fund Oct 13 2016
Community West Bancshares Named to Sandler O’Neill 2016 Bank and Thrift Sm-All Stars Sep 29 2016
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Sep 29 2016
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers Aug 31 2016
Community West Bancshares Earns $1.1 Million in Second Quarter 2016 Aug 15 2016
Community West Bank Receives Approval to Open Full Service Branch Office in Oxnard Aug 08 2016
Community West Bancshares :CWBC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
COMMUNITY WEST BANCSHARES / Files SEC form 10-Q, Quarterly Report Aug 01 2016
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Business Banker Justin Vanderlinden Joins Community West Bank Jul 25 2016

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