NasdaqGM:CWBC

Stock Analysis Report

Community West Bancshares

Executive Summary

Community West Bancshares operates as the bank holding company for Community West Bank, N.A.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Community West Bancshares is not covered by any analysts.

Similar Companies

Share Price & News

How has Community West Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.5%

CWBC

-1.1%

US Banks

-0.6%

US Market


1 Year Return

-17.1%

CWBC

-6.8%

US Banks

0.7%

US Market

CWBC underperformed the Banks industry which returned -6.9% over the past year.

CWBC underperformed the Market in United States of America which returned 0.7% over the past year.


Share holder returns

CWBCIndustryMarket
7 Day0.5%-1.1%-0.6%
30 Day2.2%10.7%4.9%
90 Day1.4%5.3%1.7%
1 Year-15.4%-17.1%-4.1%-6.8%3.0%0.7%
3 Year26.2%19.8%53.8%43.2%44.8%35.4%
5 Year67.4%53.8%63.8%46.1%62.0%44.3%

Price Volatility Vs. Market

How volatile is Community West Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

1 month ago | Simply Wall St

Community West Bancshares (NASDAQ:CWBC) Is About To Go Ex-Dividend, And It Pays A 0.6% Yield

Valuation

Is Community West Bancshares undervalued based on future cash flows and its price relative to the stock market?

12.17x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Community West Bancshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Community West Bancshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Community West Bancshares is good value based on earnings compared to the US Banks industry average.

Community West Bancshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Community West Bancshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Community West Bancshares is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Community West Bancshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

7.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Community West Bancshares is high growth as no revenue estimate data is available.

Community West Bancshares's earnings are expected to grow by 7.7% yearly, however this is not considered high growth (20% yearly).

Unable to compare Community West Bancshares's revenue growth to the United States of America market average as no estimate data is available.

Community West Bancshares's earnings growth is positive but not above the United States of America market average.

Community West Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Community West Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Community West Bancshares performed over the past 5 years?

4.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Community West Bancshares's year on year earnings growth rate has been positive over the past 5 years.

Community West Bancshares's 1-year earnings growth exceeds its 5-year average (20% vs 4.3%)

Community West Bancshares's earnings growth has not exceeded the US Banks industry average in the past year (20% vs 32%).


Return on Equity

Community West Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Community West Bancshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Community West Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Community West Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Community West Bancshares has an acceptable proportion of non-loan assets held.

Community West Bancshares has a sufficient allowance for bad loans.

Community West Bancshares's liabilities are made up of primarily low risk sources of funding.

Community West Bancshares's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Community West Bancshares are broadly funded by customer deposits.

Community West Bancshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Community West Bancshares's current dividend yield, its reliability and sustainability?

2.23%

Current Dividend Yield


Dividend Yield and Payments Analysis

Community West Bancshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).

Community West Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.71%).

Whilst dividend payments have been stable, Community West Bancshares has been paying a dividend for less than 10 years.

Dividend payments have increased, but Community West Bancshares only paid a dividend in the past 5 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Community West Bancshares's salary, the management and board of directors tenure and is there insider trading?

5.8yrs

Average management tenure


CEO

Marty Plourd (60yo)

7.5yrs

Tenure

US$715,663

Compensation

Mr. Martin E. Plourd, also known as Marty, has been the Chief Executive Officer and President of Community West Bancshares since May 29, 2012. Mr. Plourd has been the Chief Executive Officer and President  ...


CEO Compensation Analysis

Marty's remuneration is higher than average for companies of similar size in United States of America.

Marty's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

5.8yrs

Average Tenure

56yo

Average Age

The average tenure for the Community West Bancshares management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

7.8yrs

Average Tenure

68.5yo

Average Age

The tenure for the Community West Bancshares board of directors is about average.


Insider Trading

More shares have been bought than sold by Community West Bancshares individual insiders in the past 3 months.


Recent Insider Transactions

BuyUS$18,69117 Sep 19
William Peeples
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares1,917
Max PriceUS$9.75
BuyUS$7,93712 Sep 19
William Peeples
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares814
Max PriceUS$9.75
BuyUS$2,99905 Sep 19
Kirk Stovesand
EntityIndividual
Role
Member of the Board of Directors
Director
Shares307
Max PriceUS$9.77
BuyUS$50,99126 Aug 19
William Peeples
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares5,263
Max PriceUS$9.70
BuyUS$14,52026 Aug 19
William Peeples
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares1,500
Max PriceUS$9.68
BuyUS$4,83514 Aug 19
Robert Bartlein
EntityIndividual
Role
Vice Chairman
Director
Shares500
Max PriceUS$9.67
BuyUS$4,91531 Jul 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.83
SellUS$4,88018 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.76
BuyUS$4,92518 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.85
BuyUS$21414 Jun 19
Robert Bartlein
EntityIndividual
Role
Vice Chairman
Director
Shares22
Max PriceUS$9.73
BuyUS$5,00013 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$10.00
BuyUS$4,93512 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.87
BuyUS$4,87511 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.75
BuyUS$2,98410 Jun 19
Kirk Stovesand
EntityIndividual
Role
Member of the Board of Directors
Director
Shares296
Max PriceUS$10.08
BuyUS$4,88510 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.77
BuyUS$9,75007 Jun 19
Robert Bartlein
EntityIndividual
Role
Vice Chairman
Director
Shares1,000
Max PriceUS$9.75
BuyUS$4,93506 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.87
BuyUS$4,96005 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$9.92
BuyUS$5,00004 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$10.00
BuyUS$9,90003 Jun 19
Robert Bartlein
EntityIndividual
Role
Vice Chairman
Director
Shares1,000
Max PriceUS$9.90
BuyUS$5,06003 Jun 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$10.12
BuyUS$5,03531 May 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$10.07
BuyUS$9,95022 May 19
Robert Bartlein
EntityIndividual
Role
Vice Chairman
Director
Shares1,000
Max PriceUS$9.95
BuyUS$10,18017 May 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares1,000
Max PriceUS$10.18
BuyUS$2,70607 Mar 19
Kirk Stovesand
EntityIndividual
Role
Member of the Board of Directors
Director
Shares263
Max PriceUS$10.29
SellUS$207,30419 Feb 19
William Peeples
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares20,000
Max PriceUS$10.37
BuyUS$10,30004 Feb 19
William Filippin
EntityIndividual
Role
Senior Key Executive
Executive VP & Chief Banking Officer of Community West Bank
Shares1,000
Max PriceUS$10.30
BuyUS$5,04230 Jan 19
Martin Plourd
EntityIndividual
Role
Chief Executive Officer
President
Shares500
Max PriceUS$10.08
SellUS$106,50012 Dec 18
William Peeples
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares10,000
Max PriceUS$10.65
SellUS$212,00006 Dec 18
William Peeples
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares20,000
Max PriceUS$10.60
BuyUS$2,68804 Dec 18
Kirk Stovesand
EntityIndividual
Role
Member of the Board of Directors
Director
Shares229
Max PriceUS$11.74

Ownership Breakdown


Management Team

  • Marty Plourd (60yo)

    President

    • Tenure: 7.5yrs
    • Compensation: US$715.66k
  • John Illgen (74yo)

    Secretary & Director

    • Tenure: 22.7yrs
    • Compensation: US$33.31k
  • Cynthia Hooper (56yo)

    Senior VP & Loan Servicing Department Manager

    • Tenure: 0yrs
    • Compensation: US$149.43k
  • Kirk Stovesand (56yo)

    Director

    • Tenure: 16.3yrs
    • Compensation: US$49.31k
  • Bill Filippin (55yo)

    Executive VP & Chief Banking Officer of Community West Bank

    • Tenure: 4.3yrs
    • Compensation: US$386.49k
  • Susan Thompson (56yo)

    Executive VP & CFO

    • Tenure: 2.4yrs
    • Compensation: US$291.50k
  • Tom Wetzel

    Senior VP & Chief Risk Officer

    • Tenure: 7.3yrs
  • Chris Lem

    Senior VP & Compliance Manager

    • Tenure: 0yrs
  • Jennifer Ofner

    Senior VP & Director of Human Resources

    • Tenure: 0yrs
  • Kevin Moon

    Senior VP and Director of Marketing & Product Development

    • Tenure: 0yrs

Board Members

  • Marty Plourd (60yo)

    President

    • Tenure: 7.5yrs
    • Compensation: US$715.66k
  • Jim Lokey (71yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: US$44.56k
  • Bill Peeples (76yo)

    Chairman of the Board

    • Tenure: 15.7yrs
    • Compensation: US$32.36k
  • Jean Blois (91yo)

    Director

    • Tenure: 22.7yrs
    • Compensation: US$29.91k
  • Robert Bartlein (71yo)

    Director

    • Tenure: 0yrs
    • Compensation: US$48.96k
  • John Illgen (74yo)

    Secretary & Director

    • Tenure: 22.7yrs
    • Compensation: US$33.31k
  • Kirk Stovesand (56yo)

    Director

    • Tenure: 16.3yrs
    • Compensation: US$49.31k
  • Tom Dobyns (66yo)

    Director

    • Tenure: 2.2yrs
    • Compensation: US$33.21k
  • Shereef Moharram (47yo)

    Director

    • Tenure: 7.8yrs
    • Compensation: US$28.41k
  • Dana Boutain (54yo)

    Director

    • Tenure: 2.2yrs
    • Compensation: US$30.88k

Company Information

Community West Bancshares's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community West Bancshares
  • Ticker: CWBC
  • Exchange: NasdaqGM
  • Founded: 1989
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$83.462m
  • Shares outstanding: 8.46m
  • Website: https://www.communitywest.com

Number of Employees


Location

  • Community West Bancshares
  • 445 Pine Avenue
  • Goleta
  • California
  • 93117
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CWBCNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDApr 1996

Biography

Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California. The company offers deposit products, such a ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/22 23:32
End of Day Share Price2019/09/20 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.