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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Commencement Bancorp has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Commencement Bancorp's interest coverage with the available data.
Commencement Bancorp's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.16.
Altman Z-Score does not apply to banks and insurance companies.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Commencement Bancorp has the Financial Strength Rank of 5.
Commencement Bancorp Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Commencement Bancorp Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Commencement Bancorp's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Commencement Bancorp (CBWA) has a Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Commencement Bancorp and its competitors. This is near median its historical median of 5.00. Over the past decade, Commencement Bancorp's Financial Strength has ranged from 3.00 to 6.00.
Is Commencement Bancorp's Financial Strength too high?
Commencement Bancorp's current Financial Strength of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 6.00. Overall, Commencement Bancorp has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commencement Bancorp's Financial Strength compare to DWNX and LFGP?
Commencement Bancorp's Financial Strength of 5 can be compared against companies in the Banks industry. Historically, Commencement Bancorp's own Financial Strength has ranged from 3.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Commencement Bancorp and its competitors. Commencement Bancorp's current Financial Strength is 5, which is near median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commencement Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Commencement Bancorp (CBWA) is currently considered Fairly Valued. The stock's GF Value™ is $17.53, compared to a current price of $19.18 — trading 9.4% above its estimated fair value. The current Financial Strength is 5, which is near median its 10-year median of 5.00. Commencement Bancorp's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Commencement Bancorp (CBWA), the current Financial Strength is 5 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Commencement Bancorp (CBWA) Overvalued in 2026?
Based on GuruFocus' analysis, Commencement Bancorp stock appears to be overvalued.
The current stock price of $19.18 is trading 9.4% above its estimated GF Value™ of $17.53.
GuruFocus considers Commencement Bancorp to be Fairly Valued.
Key valuation signals for CBWA:
Financial Strength: 5 (near median its 10-year median of 5.00)
GF Value™: $17.53 vs. price of $19.18 (9.4% above fair value)
No single metric tells the full story. See the CBWA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commencement Bancorp Inc is a holding company that operates through its subsidiary. It provides loan and deposit services to customers, who are predominately individuals and small and midsized businesses in western Washington. The company offers banking products and services such as Personal Banking which includes Personal Checking, Personal Loans & Credit, Savings & Money markets, Business Banking which includes Business Loans, Checking & Savings, Business Services, and Merchant Services.
63GF Score
Get the complete analysis for CBWA
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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