Switch to:

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.82
CWBC's Cash-to-Debt is ranked lower than
68% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. CWBC: 0.82 )
Ranked among companies with meaningful Cash-to-Debt only.
CWBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.42 Max: No Debt
Current: 0.82
Equity-to-Asset 0.09
CWBC's Equity-to-Asset is ranked lower than
62% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CWBC: 0.09 )
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: 0.14
Current: 0.09
0.07
0.14
Interest Coverage 2.69
CWBC's Interest Coverage is ranked higher than
63% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CWBC: 2.69 )
Ranked among companies with meaningful Interest Coverage only.
CWBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.98 Max: 3.66
Current: 2.69
0.12
3.66
Beneish M-Score: -3.08
WACC vs ROIC
4.42%
10.52%
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 : 3/10

vs
industry
vs
history
Operating Margin % 27.66
CWBC's Operating Margin % is ranked lower than
61% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. CWBC: 27.66 )
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: 27.66
-32.2
44.49
Net Margin % 16.34
CWBC's Net Margin % is ranked lower than
71% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. CWBC: 16.34 )
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: 16.34
-33.28
34.08
ROE % 8.24
CWBC's ROE % is ranked lower than
52% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. CWBC: 8.24 )
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: 8.24
-20.54
13.18
ROA % 0.78
CWBC's ROA % is ranked lower than
58% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CWBC: 0.78 )
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: 0.78
-1.61
1.68
3-Year Revenue Growth Rate 5.70
CWBC's 3-Year Revenue Growth Rate is ranked higher than
58% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CWBC: 5.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CWBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -17.4  Med: 1.3 Max: 20.3
Current: 5.7
-17.4
20.3
3-Year EBITDA Growth Rate 13.40
CWBC's 3-Year EBITDA Growth Rate is ranked higher than
69% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CWBC: 13.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CWBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -51.1  Med: 7.85 Max: 189.3
Current: 13.4
-51.1
189.3
3-Year EPS without NRI Growth Rate -14.20
CWBC's 3-Year EPS without NRI Growth Rate is ranked lower than
88% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CWBC: -14.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CWBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -6.9 Max: 75.9
Current: -14.2
0
75.9
GuruFocus has detected 5 Warning Signs with Community West Bancshares $CWBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CWBC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with CWBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:PUGB, OTCPK:CLDB, NAS:WBB, OTCPK:FBTT, OTCPK:CRLN, OTCPK:FABK, NAS:SBFG, NAS:GFED, OTCBB:CSBB, OTCPK:TYCB, OTCPK:FDVA, OTCPK:HARL, NAS:SVBI, OTCPK:VABK, NAS:BYBK, NAS:SSFN, OTCPK:COFS, OTCPK:CMTV, OTCPK:FFHD, NAS:SSBI » details
Headquarter Location:USA
Community West Bancshares provides banking and financial products such as lending and deposit products to small and mid-sized businesses and individual households.

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
PE Ratio 16.10
CWBC's PE Ratio is ranked lower than
59% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CWBC: 16.10 )
Ranked among companies with meaningful PE Ratio only.
CWBC' s PE Ratio Range Over the Past 10 Years
Min: 5.68  Med: 14.66 Max: 30.63
Current: 16.1
5.68
30.63
PE Ratio without NRI 16.10
CWBC's PE Ratio without NRI is ranked lower than
58% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CWBC: 16.10 )
Ranked among companies with meaningful PE Ratio without NRI only.
CWBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.68  Med: 14.66 Max: 30.63
Current: 16.1
5.68
30.63
Price-to-Owner-Earnings 17.63
CWBC's Price-to-Owner-Earnings is ranked lower than
66% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. CWBC: 17.63 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CWBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.07  Med: 11.53 Max: 27.34
Current: 17.63
2.07
27.34
PB Ratio 1.23
CWBC's PB Ratio is ranked lower than
52% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CWBC: 1.23 )
Ranked among companies with meaningful PB Ratio only.
CWBC' s PB Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.9 Max: 2.08
Current: 1.23
0.21
2.08
PS Ratio 2.64
CWBC's PS Ratio is ranked higher than
65% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CWBC: 2.64 )
Ranked among companies with meaningful PS Ratio only.
CWBC' s PS Ratio Range Over the Past 10 Years
Min: 0.28  Med: 1.77 Max: 3.4
Current: 2.64
0.28
3.4
Price-to-Free-Cash-Flow 14.53
CWBC's Price-to-Free-Cash-Flow is ranked lower than
64% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. CWBC: 14.53 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CWBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.18  Med: 7.6 Max: 44.54
Current: 14.53
1.18
44.54
Price-to-Operating-Cash-Flow 10.36
CWBC's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. CWBC: 10.36 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CWBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.12  Med: 6.99 Max: 30.77
Current: 10.36
1.12
30.77
EV-to-EBIT 9.91
CWBC's EV-to-EBIT is ranked higher than
59% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. CWBC: 9.91 )
Ranked among companies with meaningful EV-to-EBIT only.
CWBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -57  Med: 10.4 Max: 351.2
Current: 9.91
-57
351.2
EV-to-EBITDA 9.20
CWBC's EV-to-EBITDA is ranked higher than
58% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. CWBC: 9.20 )
Ranked among companies with meaningful EV-to-EBITDA only.
CWBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -77.3  Med: 9.5 Max: 129.9
Current: 9.2
-77.3
129.9
Shiller PE Ratio 115.67
CWBC's Shiller PE Ratio is ranked lower than
97% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. CWBC: 115.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
CWBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.11  Med: 28.91 Max: 116.67
Current: 115.67
6.11
116.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.43
CWBC's Dividend Yield % is ranked lower than
78% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CWBC: 1.43 )
Ranked among companies with meaningful Dividend Yield % only.
CWBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.3  Med: 1.54 Max: 6.23
Current: 1.43
0.3
6.23
Dividend Payout Ratio 0.22
CWBC's Dividend Payout Ratio is ranked higher than
73% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CWBC: 0.22 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CWBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.37 Max: 0.5
Current: 0.22
0.05
0.5
Forward Dividend Yield % 1.58
CWBC's Forward Dividend Yield % is ranked lower than
80% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CWBC: 1.58 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.43
CWBC's 5-Year Yield-on-Cost % is ranked lower than
83% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CWBC: 1.43 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CWBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.3  Med: 1.54 Max: 6.23
Current: 1.43
0.3
6.23
3-Year Average Share Buyback Ratio -1.00
CWBC's 3-Year Average Share Buyback Ratio is ranked higher than
58% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CWBC: -1.00 )
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: -0.75 Max: 3
Current: -1
-28.4
3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.23
CWBC's Price-to-Tangible-Book is ranked higher than
53% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. CWBC: 1.23 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CWBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.26  Med: 1 Max: 3.17
Current: 1.23
0.26
3.17
Price-to-Intrinsic-Value-Projected-FCF 0.67
CWBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
60% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CWBC: 0.67 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CWBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.49 Max: 1.26
Current: 0.67
0.1
1.26
Price-to-Median-PS-Value 1.49
CWBC's Price-to-Median-PS-Value is ranked lower than
80% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CWBC: 1.49 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CWBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.17  Med: 1.03 Max: 4.99
Current: 1.49
0.17
4.99
Price-to-Graham-Number 0.94
CWBC's Price-to-Graham-Number is ranked higher than
50% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. CWBC: 0.94 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CWBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 0.96 Max: 4.59
Current: 0.94
0.48
4.59
Earnings Yield (Greenblatt) % 10.09
CWBC's Earnings Yield (Greenblatt) % is ranked higher than
68% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. CWBC: 10.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CWBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 5.9 Max: 48.9
Current: 10.09
0.3
48.9
Forward Rate of Return (Yacktman) % 1.48
CWBC's Forward Rate of Return (Yacktman) % is ranked lower than
78% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. CWBC: 1.48 )
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: 1.48  Med: 20.3 Max: 59.3
Current: 1.48
1.48
59.3

More Statistics

Revenue (TTM) (Mil) $32.46
EPS (TTM) $ 0.63
Beta0.17
Short Percentage of Float0.05%
52-Week Range $7.26 - 10.65
Shares Outstanding (Mil)8.10
» More Articles for CWBC

Headlines

Articles On GuruFocus.com
Community West Bank Expands into Paso Robles May 26 2017 
Shareholder Challenges the Increase in Authorized Shares Apr 20 2017 
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 

More From Other Websites
Community West Bank Expands into Paso Robles May 26 2017
Community West Bancshares : CWBC-US: Dividend Analysis : May 12th, 2017 (record date) : By the... May 10 2017
Community West Bancshares Earns $1.4 Million in 1Q17; Fueled by Strong Loan Growth of 6% Over The... Apr 28 2017
Shareholder Challenges the Increase in Authorized Shares Apr 20 2017
Susan Thompson Promoted to Executive Vice President, Chief Financial Officer of Community West... Mar 29 2017
Community West Bancshares :CWBC-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Community West Bancshares : CWBC-US: Dividend Analysis : November 14th, 2016 (record date) : By the... Jan 11 2017
Community West Bancshares :CWBC-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
Community West Bancshares : CWBC-US: Dividend Analysis : August 12th, 2016 (record date) : By the... Oct 18 2016
Community West Bancshares :CWBC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
Community West Bancshares :CWBC-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
Community West Bancshares: Leading performance but fundamentals not looking strong? Mar 07 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)