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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 0.62
CWBC's Cash to Debt is ranked higher than
68% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CWBC: 0.62 )
CWBC' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 0.62

Equity to Asset 0.13
CWBC's Equity to Asset is ranked higher than
83% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CWBC: 0.13 )
CWBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.13

0.07
0.13
Interest Coverage 1.43
CWBC's Interest Coverage is ranked higher than
71% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 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: 7
Z-Score: 0.16
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 (%) 23.42
CWBC's Operating margin (%) is ranked higher than
65% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. CWBC: 23.42 )
CWBC' s 10-Year Operating margin (%) Range
Min: -32.2   Max: 32.14
Current: 23.42

-32.2
32.14
Net-margin (%) 34.08
CWBC's Net-margin (%) is ranked higher than
90% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. CWBC: 34.08 )
CWBC' s 10-Year Net-margin (%) Range
Min: -33.39   Max: 34.08
Current: 34.08

-33.39
34.08
ROE (%) 13.30
CWBC's ROE (%) is ranked higher than
91% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. CWBC: 13.30 )
CWBC' s 10-Year ROE (%) Range
Min: -20.71   Max: 13.36
Current: 13.3

-20.71
13.36
ROA (%) 1.67
CWBC's ROA (%) is ranked higher than
94% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CWBC: 1.67 )
CWBC' s 10-Year ROA (%) Range
Min: -1.66   Max: 1.67
Current: 1.67

-1.66
1.67
ROC (Joel Greenblatt) (%) 206.97
CWBC's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. CWBC: 206.97 )
CWBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -298.29   Max: 373.49
Current: 206.97

-298.29
373.49
Revenue Growth (%) -13.60
CWBC's Revenue Growth (%) is ranked higher than
52% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CWBC: -13.60 )
CWBC' s 10-Year Revenue Growth (%) Range
Min: -17.4   Max: 21.5
Current: -13.6

-17.4
21.5
EBITDA Growth (%) 9.90
CWBC's EBITDA Growth (%) is ranked higher than
75% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CWBC: 9.90 )
CWBC' s 10-Year EBITDA Growth (%) Range
Min: -51.9   Max: 198.5
Current: 9.9

-51.9
198.5
EPS Growth (%) 85.00
CWBC's EPS Growth (%) is ranked higher than
98% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. CWBC: 85.00 )
CWBC' s 10-Year EPS Growth (%) 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) 7.00
CWBC's P/E(ttm) is ranked higher than
93% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. CWBC: 7.00 )
CWBC' s 10-Year P/E(ttm) Range
Min: 5.76   Max: 1740
Current: 7

5.76
1740
P/B 1.00
CWBC's P/B is ranked higher than
68% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CWBC: 1.00 )
CWBC' s 10-Year P/B Range
Min: 0.21   Max: 2.08
Current: 1

0.21
2.08
P/S 2.27
CWBC's P/S is ranked higher than
68% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CWBC: 2.27 )
CWBC' s 10-Year P/S Range
Min: 0.28   Max: 3.4
Current: 2.27

0.28
3.4
PFCF 5.60
CWBC's PFCF is ranked higher than
72% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CWBC: 5.60 )
CWBC' s 10-Year PFCF Range
Min: 1.18   Max: 41.43
Current: 5.6

1.18
41.43
EV-to-EBIT 17.20
CWBC's EV-to-EBIT is ranked higher than
61% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. CWBC: 17.20 )
CWBC' s 10-Year EV-to-EBIT Range
Min: 6.2   Max: 353
Current: 17.2

6.2
353

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
CWBC's Price/Tangible Book is ranked higher than
77% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CWBC: 1.10 )
CWBC' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 2.06
Current: 1.1

0.26
2.06
Price/DCF (Projected) 0.50
CWBC's Price/DCF (Projected) is ranked higher than
82% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CWBC: 0.50 )
CWBC' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.97
Current: 0.5

0.1
0.97
Price/Median PS Value 1.30
CWBC's Price/Median PS Value is ranked lower than
62% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CWBC: 1.30 )
CWBC' s 10-Year Price/Median PS Value Range
Min: 0.18   Max: 1.97
Current: 1.3

0.18
1.97
Price/Graham Number 0.50
CWBC's Price/Graham Number is ranked higher than
87% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 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) 5.80
CWBC's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CWBC: 5.80 )
CWBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 16
Current: 5.8

0.3
16
Forward Rate of Return (Yacktman) 9.78
CWBC's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. CWBC: 9.78 )
CWBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.5   Max: 38.5
Current: 9.78

-8.5
38.5

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 for Community West Bank, National Association (CWB or Bank). CWB offers various commercial and retail financial services to professionals, small to mid-sized businesses and individual households. These services include various loan and deposit products. CWB also offers other financial services. CWB offers various commercial and retail financial services, including the acceptance of demand, savings and time deposits, and the origination of commercial, real estate, construction, home improvement, home equity lines of credit and other installment and term loans. Its customers are also provided with the choice of a range of cash management services, merchant credit card processing, courier service and online banking. In addition to the traditional financial services offered, CWB offers remote deposit capture, automated clearinghouse origination; electronic data interchange and check imaging. CWB continues to investigate products and services that it believes address the growing needs of its customers and to analyze new markets for potential expansion opportunities. CWB also offers Business & Industry (B&I) loans. These loans are similar to the SBA product, except they are guaranteed by the U.S. Department of Agriculture. CWB also originates conventional and investor loans which are funded by its secondary-market partners for which the Bank receives a premium. The Mortgage Loan Division originates residential real estate loans mainly in the California counties of Santa Barbara, Ventura and San Luis Obispo. The Company's operations are affected by various state and federal legislative changes and by regulations and policies of various regulatory authorities, including those of the states in which it operates and the U.S. government.

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