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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 7.09
CWBC's Cash to Debt is ranked higher than
63% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. CWBC: 7.09 )
Ranked among companies with meaningful Cash to Debt only.
CWBC' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.21 Max: No Debt
Current: 7.09
Equity to Asset 0.12
CWBC's Equity to Asset is ranked higher than
68% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CWBC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
CWBC' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.14
Current: 0.12
0.07
0.14
Interest Coverage 3.66
CWBC's Interest Coverage is ranked higher than
72% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CWBC: 3.66 )
Ranked among companies with meaningful Interest Coverage only.
CWBC' s 10-Year Interest Coverage Range
Min: 0.12  Med: 0.45 Max: 3.66
Current: 3.66
0.12
3.66
F-Score: 5
WACC vs ROIC
11.35%
12.48%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 46.26
CWBC's Operating margin (%) is ranked higher than
82% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. CWBC: 46.26 )
Ranked among companies with meaningful Operating margin (%) only.
CWBC' s 10-Year Operating margin (%) Range
Min: -32.2  Med: 12.46 Max: 44.49
Current: 46.26
-32.2
44.49
Net-margin (%) 27.15
CWBC's Net-margin (%) is ranked higher than
68% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. CWBC: 27.15 )
Ranked among companies with meaningful Net-margin (%) only.
CWBC' s 10-Year Net-margin (%) Range
Min: -33.39  Med: 8.89 Max: 34.08
Current: 27.15
-33.39
34.08
ROE (%) 10.07
CWBC's ROE (%) is ranked higher than
64% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. CWBC: 10.07 )
Ranked among companies with meaningful ROE (%) only.
CWBC' s 10-Year ROE (%) Range
Min: -20.54  Med: 5.34 Max: 14.14
Current: 10.07
-20.54
14.14
ROA (%) 1.31
CWBC's ROA (%) is ranked higher than
77% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CWBC: 1.31 )
Ranked among companies with meaningful ROA (%) only.
CWBC' s 10-Year ROA (%) Range
Min: -1.61  Med: 0.56 Max: 1.68
Current: 1.31
-1.61
1.68
ROC (Joel Greenblatt) (%) 419.85
CWBC's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. CWBC: 419.85 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CWBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -279.58  Med: 112.87 Max: 410.08
Current: 419.85
-279.58
410.08
Revenue Growth (3Y)(%) -15.50
CWBC's Revenue Growth (3Y)(%) is ranked lower than
90% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CWBC: -15.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CWBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -17.4  Med: 1.30 Max: 21.5
Current: -15.5
-17.4
21.5
» 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) 8.44
CWBC's P/E(ttm) is ranked higher than
81% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CWBC: 8.44 )
Ranked among companies with meaningful P/E(ttm) only.
CWBC' s 10-Year P/E(ttm) Range
Min: 5.76  Med: 15.10 Max: 1740
Current: 8.44
5.76
1740
PE(NRI) 8.50
CWBC's PE(NRI) is ranked higher than
81% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CWBC: 8.50 )
Ranked among companies with meaningful PE(NRI) only.
CWBC' s 10-Year PE(NRI) Range
Min: 5.92  Med: 15.16 Max: 48.5
Current: 8.5
5.92
48.5
P/B 0.90
CWBC's P/B is ranked higher than
66% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CWBC: 0.90 )
Ranked among companies with meaningful P/B only.
CWBC' s 10-Year P/B Range
Min: 0.21  Med: 0.89 Max: 2.08
Current: 0.9
0.21
2.08
P/S 2.09
CWBC's P/S is ranked higher than
72% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CWBC: 2.09 )
Ranked among companies with meaningful P/S only.
CWBC' s 10-Year P/S Range
Min: 0.28  Med: 1.75 Max: 3.4
Current: 2.09
0.28
3.4
PFCF 5.03
CWBC's PFCF is ranked higher than
71% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. CWBC: 5.03 )
Ranked among companies with meaningful PFCF only.
CWBC' s 10-Year PFCF Range
Min: 1.18  Med: 9.13 Max: 45.59
Current: 5.03
1.18
45.59
POCF 4.84
CWBC's POCF is ranked higher than
70% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. CWBC: 4.84 )
Ranked among companies with meaningful POCF only.
CWBC' s 10-Year POCF Range
Min: 1.13  Med: 8.08 Max: 31.3
Current: 4.84
1.13
31.3
EV-to-EBIT 2.43
CWBC's EV-to-EBIT is ranked higher than
97% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. CWBC: 2.43 )
Ranked among companies with meaningful EV-to-EBIT only.
CWBC' s 10-Year EV-to-EBIT Range
Min: -57  Med: 16.50 Max: 353
Current: 2.43
-57
353
Shiller P/E 117.89
CWBC's Shiller P/E is ranked lower than
97% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. CWBC: 117.89 )
Ranked among companies with meaningful Shiller P/E only.
CWBC' s 10-Year Shiller P/E Range
Min: 3.59  Med: 16.18 Max: 118.07
Current: 117.89
3.59
118.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.36
CWBC's Dividend Yield is ranked lower than
79% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CWBC: 1.36 )
Ranked among companies with meaningful Dividend Yield only.
CWBC' s 10-Year Dividend Yield Range
Min: 0.3  Med: 1.42 Max: 4.59
Current: 1.36
0.3
4.59
Dividend Payout 0.08
CWBC's Dividend Payout is ranked higher than
96% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CWBC: 0.08 )
Ranked among companies with meaningful Dividend Payout only.
CWBC' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.25 Max: 1
Current: 0.08
0.08
1
Yield on cost (5-Year) 1.35
CWBC's Yield on cost (5-Year) is ranked lower than
80% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CWBC: 1.35 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CWBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.3  Med: 1.42 Max: 4.59
Current: 1.35
0.3
4.59
Share Buyback Rate -12.50
CWBC's Share Buyback Rate is ranked lower than
80% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CWBC: -12.50 )
Ranked among companies with meaningful Share Buyback Rate only.
CWBC' s 10-Year Share Buyback Rate Range
Min: 2.9  Med: -1.60 Max: -20.5
Current: -12.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.89
CWBC's Price/Tangible Book is ranked higher than
70% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CWBC: 0.89 )
Ranked among companies with meaningful Price/Tangible Book only.
CWBC' s 10-Year Price/Tangible Book Range
Min: 0.26  Med: 1.01 Max: 3.17
Current: 0.89
0.26
3.17
Price/Projected FCF 0.42
CWBC's Price/Projected FCF is ranked higher than
78% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CWBC: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
CWBC' s 10-Year Price/Projected FCF Range
Min: 0.1  Med: 0.51 Max: 1.26
Current: 0.42
0.1
1.26
Price/Median PS Value 1.20
CWBC's Price/Median PS Value is ranked lower than
65% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CWBC: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
CWBC' s 10-Year Price/Median PS Value Range
Min: 0.17  Med: 0.96 Max: 10.21
Current: 1.2
0.17
10.21
Price/Graham Number 0.52
CWBC's Price/Graham Number is ranked higher than
83% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CWBC: 0.52 )
Ranked among companies with meaningful Price/Graham Number only.
CWBC' s 10-Year Price/Graham Number Range
Min: 0.32  Med: 0.94 Max: 8.33
Current: 0.52
0.32
8.33
Earnings Yield (Greenblatt) (%) 41.35
CWBC's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CWBC: 41.35 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CWBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 5.40 Max: 41.23
Current: 41.35
0.3
41.23
Forward Rate of Return (Yacktman) (%) 2.56
CWBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CWBC: 2.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CWBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.2  Med: 18.10 Max: 59.3
Current: 2.56
6.2
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 

More From Other Websites
Community West Bancshares Reports Second Quarter Results; Jul 23 2015
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 23 2015
Community West Bancshares Reports Second Quarter Results; Highlighted by Strong Loan Growth and... Jul 23 2015
James W. Lokey Appointed to Community West Bancshares Board of Directors Jul 03 2015
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 29 2015
James W. Lokey Appointed to Community West Bancshares Board of Directors Jun 29 2015
Community West Bancshares Announces Resolution of Loan Litigation Jun 12 2015
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 12 2015
Community West Bancshares Announces Resolution of Loan Litigation Jun 12 2015
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 29 2015
Community West Bancshares Announces Partial Redemption of Preferred Stock May 28 2015
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 28 2015
Community West Bancshares Announces Partial Redemption of Preferred Stock May 28 2015
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 27 2015
William F. Filippin to Join Community West Bank as EVP & Market President May 27 2015
William F. Filippin to Join Community West Bank as EVP & Market President May 27 2015
COMMUNITY WEST BANCSHARES / Financials May 20 2015
10-Q for Community West Bancshares May 11 2015
COMMUNITY WEST BANCSHARES / Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for Community West Bancshares May 07 2015

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