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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.63
CWBC's Cash to Debt is ranked higher than
78% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CWBC: 1.63 )
CWBC' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 1.63

Equity to Asset 0.12
CWBC's Equity to Asset is ranked higher than
84% of the 1967 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CWBC: 0.12 )
CWBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.12

0.07
0.14
Interest Coverage 1.43
CWBC's Interest Coverage is ranked higher than
70% of the 1806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. CWBC: 1.43 )
CWBC' s 10-Year Interest Coverage Range
Min: 0.12   Max: 1.43
Current: 1.43

0.12
1.43
F-Score: 5
Z-Score: 0.22
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 : 4/10

vs
industry
vs
history
Operating margin (%) 32.44
CWBC's Operating margin (%) is ranked higher than
79% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.56 vs. CWBC: 32.44 )
CWBC' s 10-Year Operating margin (%) Range
Min: -32.2   Max: 32.14
Current: 32.44

-32.2
32.14
Net-margin (%) 30.17
CWBC's Net-margin (%) is ranked higher than
88% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.62 vs. CWBC: 30.17 )
CWBC' s 10-Year Net-margin (%) Range
Min: -33.39   Max: 34.08
Current: 30.17

-33.39
34.08
ROE (%) 12.02
CWBC's ROE (%) is ranked higher than
88% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. CWBC: 12.02 )
CWBC' s 10-Year ROE (%) Range
Min: -18.68   Max: 14.9
Current: 12.02

-18.68
14.9
ROA (%) 1.45
CWBC's ROA (%) is ranked higher than
92% of the 1992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CWBC: 1.45 )
CWBC' s 10-Year ROA (%) Range
Min: -1.61   Max: 1.68
Current: 1.45

-1.61
1.68
ROC (Joel Greenblatt) (%) 289.36
CWBC's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 1960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.50 vs. CWBC: 289.36 )
CWBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -279.58   Max: 410.08
Current: 289.36

-279.58
410.08
Revenue Growth (3Y)(%) -13.60
CWBC's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CWBC: -13.60 )
CWBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -17.4   Max: 21.5
Current: -13.6

-17.4
21.5
EBITDA Growth (3Y)(%) 9.90
CWBC's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CWBC: 9.90 )
CWBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -51.9   Max: 198.5
Current: 9.9

-51.9
198.5
EPS Growth (3Y)(%) 85.00
CWBC's EPS Growth (3Y)(%) is ranked higher than
98% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CWBC: 85.00 )
CWBC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 85
Current: 85

0
85
» CWBC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 7.50
CWBC's P/E(ttm) is ranked higher than
95% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.50 vs. CWBC: 7.50 )
CWBC' s 10-Year P/E(ttm) Range
Min: 5.76   Max: 1740
Current: 7.5

5.76
1740
P/B 0.93
CWBC's P/B is ranked higher than
86% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. CWBC: 0.93 )
CWBC' s 10-Year P/B Range
Min: 0.21   Max: 2.08
Current: 0.93

0.21
2.08
P/S 2.06
CWBC's P/S is ranked higher than
88% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.69 vs. CWBC: 2.06 )
CWBC' s 10-Year P/S Range
Min: 0.28   Max: 3.4
Current: 2.06

0.28
3.4
PFCF 26.20
CWBC's PFCF is ranked higher than
77% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CWBC: 26.20 )
CWBC' s 10-Year PFCF Range
Min: 1.18   Max: 45.59
Current: 26.2

1.18
45.59
EV-to-EBIT 5.83
CWBC's EV-to-EBIT is ranked higher than
95% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.04 vs. CWBC: 5.83 )
CWBC' s 10-Year EV-to-EBIT Range
Min: -57   Max: 353
Current: 5.83

-57
353

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.61
CWBC's Dividend Yield is ranked lower than
91% of the 1885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.29 vs. CWBC: 0.61 )
CWBC' s 10-Year Dividend Yield Range
Min: 0.3   Max: 4.59
Current: 0.61

0.3
4.59
Dividend Payout 0.02
CWBC's Dividend Payout is ranked higher than
100% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CWBC: 0.02 )
CWBC' s 10-Year Dividend Payout Range
Min: 0.09   Max: 1
Current: 0.02

0.09
1
Yield on cost (5-Year) 0.60
CWBC's Yield on cost (5-Year) is ranked lower than
88% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.54 vs. CWBC: 0.60 )
CWBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 4.59
Current: 0.6

0.3
4.59
Share Buyback Rate -7.10
CWBC's Share Buyback Rate is ranked higher than
61% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CWBC: -7.10 )
CWBC' s 10-Year Share Buyback Rate Range
Min: 2.9   Max: -20.5
Current: -7.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
CWBC's Price/Tangible Book is ranked higher than
88% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CWBC: 0.93 )
CWBC' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 4.3
Current: 0.93

0.26
4.3
Price/DCF (Projected) 0.45
CWBC's Price/DCF (Projected) is ranked higher than
93% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.06 vs. CWBC: 0.45 )
CWBC' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.54
Current: 0.45

0.1
1.54
Price/Median PS Value 1.18
CWBC's Price/Median PS Value is ranked higher than
76% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CWBC: 1.18 )
CWBC' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 10.21
Current: 1.18

0.17
10.21
Price/Graham Number 0.50
CWBC's Price/Graham Number is ranked higher than
95% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CWBC: 0.50 )
CWBC' s 10-Year Price/Graham Number Range
Min: 0.32   Max: 8.33
Current: 0.5

0.32
8.33
Earnings Yield (Greenblatt) 17.20
CWBC's Earnings Yield (Greenblatt) is ranked higher than
94% of the 1959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CWBC: 17.20 )
CWBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 18
Current: 17.2

0.3
18
Forward Rate of Return (Yacktman) 2.87
CWBC's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. CWBC: 2.87 )
CWBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.2   Max: 59.3
Current: 2.87

5.2
59.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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 
Community West Bancshares Reports 2008 Q4 Results Jan 22 2009 

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