How does CWBK's PE Ratio compare to its peers?

CWBK is expensive based on its Price-To-Earnings Ratio (8.6x) compared to the peer average (7.7x).

How does CWBK's PE Ratio compare vs other companies in the US Banks Industry?

CWBK is good value based on its Price-To-Earnings Ratio (8.6x) compared to the US Banks industry average (12.4x).

What is CWBK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate CWBK's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of CWBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CWBK ($36.5) is trading below our estimate of [[fair value]] ($93.3)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

CWBK Stock Overview

Operates as a holding company for CommerceWest Bank that provides various commercial banking products and services for small and mid-sized businesses in California. More details

CWBK fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 60.9% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

CW Bancorp Competitors

Benchmark Bankshares

OTCPK:BMBN

US$115.9m

Pinnacle Bank

OTCPK:PBNK

US$109.5m

Kish Bancorp

OTCPK:KISB

US$99.3m

Somerset Trust Holding

OTCPK:SOME

US$118.5m

Price History & Performance

Summary of share price highs, lows and changes for CW Bancorp
Historical stock prices
Current Share Price	US$36.50
52 Week High	US$37.75
52 Week Low	US$29.51
Beta	0.49
1 Month Change	-2.67%
3 Month Change	7.35%
1 Year Change	20.66%
3 Year Change	22.48%
5 Year Change	53.36%
Change since IPO	447.50%

Recent updates

Shareholder Returns

	CWBK	US Banks	US Market
7D	0%	-3.4%	-2.4%
1Y	20.7%	29.1%	23.4%

Return vs Industry: CWBK underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: CWBK underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is CWBK's price volatile compared to industry and market?
CWBK volatility
CWBK Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CWBK's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CWBK's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2001	n/a	Ivo Tjan	www.cwbk.com

CW Bancorp operates as a holding company for CommerceWest Bank that provides various commercial banking products and services for small and mid-sized businesses in California. It offers checking, money market deposit, savings, sweep, escrow trust, NOW, and attorney client trust accounts; and certificate of deposits. The company also provides loans, including commercial real estate, asset based, mergers and acquisitions, international, and term loans, as well as lines of credit.

CW Bancorp Fundamentals Summary

How do CW Bancorp's earnings and revenue compare to its market cap?
CWBK fundamental statistics
Market cap	US$109.52m
Earnings (TTM)	US$12.75m
Revenue (TTM)	US$44.41m

8.6x

P/E Ratio

1.3x

P/B Ratio

Is CWBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CWBK income statement (TTM)
Revenue	US$44.41m
Cost of Revenue	US$0
Gross Profit	US$44.41m
Other Expenses	US$31.66m
Earnings	US$12.75m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.25
Gross Margin	100.00%
Net Profit Margin	28.71%
Debt/Equity Ratio	58.8%

How did CWBK perform over the long term?

See historical performance and comparison

Dividends

2.5%

Current Dividend Yield

6%

Payout Ratio

Does CWBK pay a reliable dividends?

See CWBK dividend history and benchmarks

When do you need to buy CWBK by to receive an upcoming dividend?
CW Bancorp dividend dates
Ex Dividend Date	Dec 16 2024
Dividend Pay Date	Jan 02 2025
Days until Ex dividend	7 days
Days until Dividend pay date	10 days

Does CWBK pay a reliable dividends?

See CWBK dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 14:48
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

CW Bancorp is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Timothy Coffey	FIG Partners