Community West Financials
CWBC Stock | USD 19.40 0.27 1.37% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Debt Equity Ratio | 0.66 | 0.7232 |
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Current Ratio | 0.0083 | 0.0087 |
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Investors should never underestimate Community West's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Community West's cash flow, debt, and profitability to make informed and accurate decisions about investing in Community West Bancshares.
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Community | Select Account or Indicator |
Understanding current and past Community West Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Community West's financial statements are interrelated, with each one affecting the others. For example, an increase in Community West's assets may result in an increase in income on the income statement.
Please note, the presentation of Community West's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Community West's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Community West's management manipulating its earnings.
Community West Stock Summary
Community West competes with Home Federal, Magyar Bancorp, First Northwest, First Financial, and First Capital. Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California. Community West Bancshares was founded in 1989 and is headquartered in Goleta, California. Community West operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 122 people.Specialization | Financial Services, Banks - Regional |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US2041571017 |
CUSIP | 155685100 203937107 |
Older Symbol | CVCY |
Location | California; U.S.A |
Business Address | 7100 North Financial |
Sector | Banks |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.cvcb.com |
Phone | 559 298 1775 |
Currency | USD - US Dollar |
Community West Key Financial Ratios
Return On Equity | 0.0244 | ||||
Profit Margin | 0.07 % | ||||
Operating Margin | 0.25 % | ||||
Price To Sales | 3.86 X | ||||
Revenue | 57.52 M |
Community West Key Balance Sheet Accounts
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Total Assets | 913.9M | 975.4M | 1.2B | 1.1B | 2.4B | 2.6B | |
Other Current Liab | 399.6M | 722.9M | 800.9M | (32.6M) | 1.8B | 1.9B | |
Net Debt | (17.7M) | 44.5M | (118.4M) | 25.3M | 105.1M | 110.4M | |
Retained Earnings | 39.5M | 46.1M | 56.9M | 67.7M | 210.5M | 221.1M | |
Accounts Payable | 19.8M | 31.2M | 40.0M | 32.6M | 37.5M | 35.6M | |
Cash | 82.7M | 60.5M | 208.4M | 64.7M | 53.7M | 37.5M | |
Other Current Assets | 85.2M | 63.2M | 210.9M | 66.9M | 64.6M | 61.4M | |
Total Liab | 65M | 105M | 90M | 978.9M | 2.2B | 2.3B | |
Total Current Assets | 101.9M | 77.8M | 228.1M | 91.4M | 16.7M | 15.9M | |
Other Assets | 778.7M | 868.4M | 899.6M | 964.6M | 43.5M | 41.3M | |
Net Receivables | 32.1M | 29.2M | 32.7M | 76.9M | 88.4M | 84.0M | |
Common Stock | 42.6M | 42.9M | 44.4M | 45.7M | 62.6M | 41.1M | |
Other Liab | 9.6M | 8.3M | 15.5M | 13.8M | 15.8M | 16.6M | |
Long Term Debt | 75M | 65M | 105M | 90M | 69.7M | 61.2M | |
Inventory | (117.3M) | (92.3M) | (243.6M) | (117.1M) | (105.4M) | (100.1M) | |
Intangible Assets | (25.7M) | 1.2M | 1.6M | 1.5M | 1.3M | 1.4M | |
Short Term Debt | 51.0M | 16.0M | 887K | 1.0M | 80M | 84M | |
Net Tangible Assets | 82.0M | 89.0M | 101.4M | 112.7M | 129.5M | 77.3M | |
Long Term Debt Total | 75M | 65M | 105M | 90M | 103.5M | 56.0M |
Community West Key Income Statement Accounts
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Interest Expense | 11.4M | 7.3M | 3.7M | 3.3M | 20.0M | 21.0M | |
Total Revenue | 38.0M | 40.5M | 46.1M | 49.8M | 57.5M | 35.2M | |
Gross Profit | 38.0M | 40.5M | 46.1M | 49.8M | 9.9M | 9.4M | |
Operating Income | 11.4M | 11.8M | 18.3M | 22.0M | (10.3M) | (9.8M) | |
Ebit | 11.4M | 10.9M | 17.5M | 21.5M | (9.9M) | (9.4M) | |
Ebitda | 12.2M | 12.6M | 19.1M | 22.8M | (8.9M) | (8.5M) | |
Income Before Tax | 11.4M | 11.8M | 18.3M | 18.7M | 33.8M | 35.5M | |
Net Income | 8.0M | 8.2M | 13.1M | 13.4M | 25.5M | 26.8M | |
Income Tax Expense | 3.4M | 3.5M | 5.2M | 5.3M | 8.3M | 8.7M | |
Tax Provision | 3.4M | 3.5M | 5.2M | 5.3M | 8.3M | 4.9M | |
Net Interest Income | 34.4M | 36.6M | 42.4M | 45.8M | 82.4M | 44.6M | |
Interest Income | 45.7M | 43.9M | 46.1M | 49.1M | 102.4M | 52.5M |
Community West Key Cash Accounts
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Change In Cash | 25.7M | (22.1M) | 147.8M | (143.7M) | 22.6M | 23.7M | |
Free Cash Flow | 11.8M | 15.5M | 22.0M | 5.6M | 18.0M | 18.9M | |
Depreciation | 864K | 821K | 780K | 711K | 959K | 701.1K | |
Other Non Cash Items | 5.5M | 11.2M | 7.2M | 2.0M | 7.5M | 7.9M | |
Dividends Paid | 1.8M | 1.7M | 2.3M | 2.6M | (5.7M) | (5.4M) | |
Capital Expenditures | 2.1M | 338K | 206K | 239K | 9.8M | 10.3M | |
Net Income | 8.0M | 8.2M | 13.1M | 13.4M | 25.5M | 26.8M | |
End Period Cash Flow | 82.7M | 60.5M | 208.4M | 64.7M | 53.7M | 41.2M | |
Investments | (9.2M) | (91.6M) | (42.0M) | (72.9M) | 24.2M | 25.4M | |
Net Borrowings | 18.2M | (10M) | 40M | (15M) | (17.3M) | (16.4M) | |
Change To Netincome | 6.8M | 6.2M | 10.6M | 7.0M | 8.0M | 6.2M |
Community Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Community West's current stock value. Our valuation model uses many indicators to compare Community West value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Community West competition to find correlations between indicators driving Community West's intrinsic value. More Info.Community West Bancshares is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about 0.09 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Community West Bancshares is roughly 11.09 . At present, Community West's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Community West's earnings, one of the primary drivers of an investment's value.Community West Bancshares Systematic Risk
Community West's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Community West volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Community West Bancshares correlated with the market. If Beta is less than 0 Community West generally moves in the opposite direction as compared to the market. If Community West Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Community West Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Community West is generally in the same direction as the market. If Beta > 1 Community West moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Community West Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Community West's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Community West growth as a starting point in their analysis.
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Community West December 28, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Community West help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Community West Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Community West Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Community Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Community West's daily price indicators and compare them against related drivers.
Downside Deviation | 1.33 | |||
Information Ratio | (0.0001) | |||
Maximum Drawdown | 11.26 | |||
Value At Risk | (2.16) | |||
Potential Upside | 2.53 |
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When running Community West's price analysis, check to measure Community West's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Community West is operating at the current time. Most of Community West's value examination focuses on studying past and present price action to predict the probability of Community West's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Community West's price. Additionally, you may evaluate how the addition of Community West to your portfolios can decrease your overall portfolio volatility.
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