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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 2.75
CWBC's Cash to Debt is ranked lower than
51% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. CWBC: 2.75 )
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: 2.75
Equity to Asset 0.10
CWBC's Equity to Asset is ranked lower than
51% of the 1667 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: 0.10 Max: 0.14
Current: 0.1
0.07
0.14
Interest Coverage 1.63
CWBC's Interest Coverage is ranked lower than
51% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CWBC: 1.63 )
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: 1.63
0.12
3.66
F-Score: 5
M-Score: -2.72
WACC vs ROIC
4.87%
5.27%
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 (%) 13.75
CWBC's Operating margin (%) is ranked lower than
83% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. CWBC: 13.75 )
Ranked among companies with meaningful Operating margin (%) only.
CWBC' s Operating margin (%) Range Over the Past 10 Years
Min: -32.2  Med: 13.71 Max: 44.49
Current: 13.75
-32.2
44.49
Net-margin (%) 7.82
CWBC's Net-margin (%) is ranked lower than
86% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. CWBC: 7.82 )
Ranked among companies with meaningful Net-margin (%) only.
CWBC' s Net-margin (%) Range Over the Past 10 Years
Min: -33.39  Med: 10.15 Max: 34.08
Current: 7.82
-33.39
34.08
ROE (%) 3.39
CWBC's ROE (%) is ranked lower than
83% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. CWBC: 3.39 )
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: 3.39
-20.54
13.18
ROA (%) 0.40
CWBC's ROA (%) is ranked lower than
77% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CWBC: 0.40 )
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: 0.4
-1.61
1.68
Revenue Growth (3Y)(%) -0.50
CWBC's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CWBC: -0.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CWBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.4  Med: 0.60 Max: 18.9
Current: -0.5
-17.4
18.9
EBITDA Growth (3Y)(%) 14.60
CWBC's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 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: -63.2  Med: 6.80 Max: 188.7
Current: 14.6
-63.2
188.7
EPS Growth (3Y)(%) 5.30
CWBC's EPS Growth (3Y)(%) is ranked lower than
56% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CWBC: 5.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CWBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.00 Max: 83.6
Current: 5.3
0
83.6
» CWBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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
Compare:NAS:SFBC, NAS:ASRV, OTCPK:MCBK, OTCPK:PBAM, NAS:UBOH, OTCPK:NWYF, NAS:CWAY, OTCPK:CNAF, NAS:CZWI, OTCPK:FABK, OTCPK:VABK, NAS:MGYR, OTCPK:JFBC, NAS:BYBK, NAS:FUNC, NAS:SBBX, OTCPK:FFHD, OTCPK:EMPK, NAS:FBSS, NAS:PFBX » 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) 30.26
CWBC's P/E(ttm) is ranked lower than
90% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CWBC: 30.26 )
Ranked among companies with meaningful P/E(ttm) only.
CWBC' s P/E(ttm) Range Over the Past 10 Years
Min: 5.76  Med: 15.24 Max: 1740
Current: 30.26
5.76
1740
PE(NRI) 30.26
CWBC's PE(NRI) is ranked lower than
90% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. CWBC: 30.26 )
Ranked among companies with meaningful PE(NRI) only.
CWBC' s PE(NRI) Range Over the Past 10 Years
Min: 5.92  Med: 15.25 Max: 48.5
Current: 30.26
5.92
48.5
Price/Owner Earnings (ttm) 14.99
CWBC's Price/Owner Earnings (ttm) is ranked lower than
65% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. CWBC: 14.99 )
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: 11.58 Max: 27.34
Current: 14.99
2.07
27.34
P/B 0.95
CWBC's P/B is ranked higher than
56% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. CWBC: 0.95 )
Ranked among companies with meaningful P/B only.
CWBC' s P/B Range Over the Past 10 Years
Min: 0.21  Med: 0.90 Max: 2.08
Current: 0.95
0.21
2.08
P/S 2.00
CWBC's P/S is ranked higher than
69% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CWBC: 2.00 )
Ranked among companies with meaningful P/S only.
CWBC' s P/S Range Over the Past 10 Years
Min: 0.28  Med: 1.75 Max: 3.4
Current: 2
0.28
3.4
PFCF 13.34
CWBC's PFCF is ranked lower than
67% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. CWBC: 13.34 )
Ranked among companies with meaningful PFCF only.
CWBC' s PFCF Range Over the Past 10 Years
Min: 1.03  Med: 8.68 Max: 44.67
Current: 13.34
1.03
44.67
POCF 12.45
CWBC's POCF is ranked lower than
71% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. CWBC: 12.45 )
Ranked among companies with meaningful POCF only.
CWBC' s POCF Range Over the Past 10 Years
Min: 0.99  Med: 7.58 Max: 28.6
Current: 12.45
0.99
28.6
EV-to-EBIT 9.62
CWBC's EV-to-EBIT is ranked higher than
66% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. CWBC: 9.62 )
Ranked among companies with meaningful EV-to-EBIT only.
CWBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -57  Med: 14.50 Max: 351.2
Current: 9.62
-57
351.2
EV-to-EBITDA 8.69
CWBC's EV-to-EBITDA is ranked higher than
66% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. CWBC: 8.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
CWBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -77.3  Med: 13.50 Max: 129.9
Current: 8.69
-77.3
129.9
Shiller P/E 67.63
CWBC's Shiller P/E is ranked lower than
96% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. CWBC: 67.63 )
Ranked among companies with meaningful Shiller P/E only.
CWBC' s Shiller P/E Range Over the Past 10 Years
Min: 5.89  Med: 20.50 Max: 68.48
Current: 67.63
5.89
68.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.72
CWBC's Dividend Yield is ranked lower than
78% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CWBC: 1.72 )
Ranked among companies with meaningful Dividend Yield only.
CWBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.3  Med: 1.52 Max: 4.59
Current: 1.72
0.3
4.59
Dividend Payout 0.47
CWBC's Dividend Payout is ranked lower than
70% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CWBC: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
CWBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.25 Max: 1
Current: 0.47
0.08
1
Forward Dividend Yield 1.93
CWBC's Forward Dividend Yield is ranked lower than
78% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. CWBC: 1.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.72
CWBC's Yield on cost (5-Year) is ranked lower than
79% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CWBC: 1.72 )
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: 1.52 Max: 4.59
Current: 1.72
0.3
4.59
3-Year Average Share Buyback Ratio -11.10
CWBC's 3-Year Average Share Buyback Ratio is ranked lower than
78% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: -0.60 Max: 3
Current: -11.1
-28.4
3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.95
CWBC's Price/Tangible Book is ranked higher than
60% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CWBC: 0.95 )
Ranked among companies with meaningful Price/Tangible Book only.
CWBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.26  Med: 1.00 Max: 3.17
Current: 0.95
0.26
3.17
Price/Projected FCF 0.48
CWBC's Price/Projected FCF is ranked higher than
69% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. CWBC: 0.48 )
Ranked among companies with meaningful Price/Projected FCF only.
CWBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.46 Max: 1.23
Current: 0.48
0.1
1.23
Price/Median PS Value 1.15
CWBC's Price/Median PS Value is ranked lower than
71% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CWBC: 1.15 )
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: 0.99 Max: 10.14
Current: 1.15
0.17
10.14
Price/Graham Number 1.13
CWBC's Price/Graham Number is ranked lower than
78% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CWBC: 1.13 )
Ranked among companies with meaningful Price/Graham Number only.
CWBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.51  Med: 0.93 Max: 2.05
Current: 1.13
0.51
2.05
Earnings Yield (Greenblatt) (%) 10.36
CWBC's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CWBC: 10.36 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CWBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 5.50 Max: 39.9
Current: 10.36
0.3
39.9
Forward Rate of Return (Yacktman) (%) 4.15
CWBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. CWBC: 4.15 )
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: 6.2  Med: 19.20 Max: 59.3
Current: 4.15
6.2
59.3

More Statistics

Revenue (TTM) (Mil) $30.48
EPS (TTM) $ 0.24
Beta0.20
Short Percentage of Float0.29%
52-Week Range $6.59 - 7.55
Shares Outstanding (Mil)8.10
» 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 

More From Other Websites
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 31 2016
Community West Bank CEO Martin Plourd Elected to California Bankers Association’s Board of... May 18 2016
COMMUNITY WEST BANCSHARES / Financials May 17 2016
COMMUNITY WEST BANCSHARES / Files SEC form 10-Q, Quarterly Report May 06 2016
Community West Bancshares :CWBC-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
Community West Bancshares Earns $1.3 Million in First Quarter Apr 29 2016
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 29 2016
Community West Bancshares Earns $1.3 Million in First Quarter; Book Value Per Common Share Increases... Apr 29 2016
Experienced Local Banker David Hall Joins Community West Bank Apr 22 2016
Business Banker Gerald Price Joins Community West Bank Apr 22 2016
Community West Bancshares: Leading performance but fundamentals not looking strong? Mar 07 2016
COMMUNITY WEST BANCSHARES / Files SEC form 10-K, Annual Report Mar 04 2016
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers Feb 29 2016
Community West Bancshares Earnings Analysis: Q4, 2015 By the Numbers Jan 28 2016
Community West Bancshares Earns $1.9 Million in Fourth Quarter Jan 26 2016
COMMUNITY WEST BANCSHARES / Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 26 2016
Community West Bank Files Application to Open Full Service Branch Office in San Luis Obispo Jan 12 2016
Community West Bancshares Completes Final Redemption of Preferred Stock Nov 17 2015
Community West Bancshares Earnings Q3, 2015 Nov 12 2015
COMMUNITY WEST BANCSHARES / Files SEC form 10-Q, Quarterly Report Nov 06 2015

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