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CBWA Stock Chart & Stats
$19.08
$0.15(0.80%)
At close: 4:00 PM EDT
$19.08
$0.15(0.80%)
Day’s Range― - ―
52-Week Range$12.21 - $19.50
Previous CloseN/A
Volume340.00
Average Volume (3M)1.96K
Market Cap
$79.00M
Enterprise Value$60.54
Total Cash (Recent Filing)$9.79M
Total Debt (Recent Filing)$5.00M
Price to Earnings (P/E)9.6
Beta0.10
Next Earnings
Oct 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2%
Share Statistics
EPS (TTM)1.98
Shares Outstanding4,150,183
10 Day Avg. Volume2,180
30 Day Avg. Volume1,957
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.03
Price to Sales (P/S)1.69
P/FCF Ratio203.37
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue Growth And Margin RecoverySustained revenue acceleration (improving to ~12.1% in 2025) and a meaningful net income rebound underpin more resilient core earnings. Stronger margins and rising ROE provide durable earnings power that supports lending capacity and retained earnings over the next several quarters.
Conservative Balance Sheet And Low LeverageLow leverage and growing equity provide financial flexibility and lower insolvency risk in credit cycles. A conservatively funded balance sheet supports steady lending, regulatory resilience, and capacity to absorb loan losses without forcing asset sales or dilutive capital raises.
Diversified Traditional Banking Revenue ModelA mix of net interest income and fee-based treasury/transaction services spreads revenue risk across lending and service lines. Relationship-based commercial banking and treasury management generate recurring fee streams and deepen client ties, supporting stable deposit funding and cross-sell opportunities long-term.
Bears Say
Weak Cash Conversion In 2025Sharp decline in operating and free cash flow despite higher net income indicates deteriorating cash conversion, raising concerns about earnings quality. If persistent, weaker cash generation can constrain loan funding, dividend capacity, and capital investments over the medium term.
Earnings And Margin VolatilityMaterial swings in net margin and net income across recent years signal sensitivity to interest spreads, loan mix, or one-time items. Such volatility makes forecasting earnings and capital planning harder and can pressure returns during adverse rate or credit cycles.
Small Scale And Funding Mix SensitivityAs a small community bank with limited scale, changes in funding mix or reductions in debt can materially alter interest expense and liquidity profiles. Limited scale reduces underwriting diversification and increases reliance on local economic conditions, raising structural risk versus larger regional peers.
CBWA FAQ
What was Commencement Bank’s price range in the past 12 months?
Commencement Bank lowest stock price was $12.21 and its highest was $19.50 in the past 12 months.
What is Commencement Bank’s market cap?
Commencement Bank’s market cap is $79.00M.
When is Commencement Bank’s upcoming earnings report date?
Commencement Bank’s upcoming earnings report date is Oct 29, 2026 which is in 43 days.
How were Commencement Bank’s earnings last quarter?
Commencement Bank released its earnings results on Apr 30, 2026. The company reported $0.44 earnings per share for the quarter.
Is Commencement Bank overvalued?
According to Wall Street analysts Commencement Bank’s price is currently Overvalued.
Does Commencement Bank pay dividends?
Commencement Bank pays a Notavailable dividend of $0.2 which represents an annual dividend yield of 2%. See more information on Commencement Bank dividends here
What is Commencement Bank’s EPS estimate?
Commencement Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Commencement Bank have?
Commencement Bank has 4,150,183 shares outstanding.
What happened to Commencement Bank’s price movement after its last earnings report?
Commencement Bank reported an EPS of $0.44 in its last earnings report. Following the earnings report the stock price went up 0.794%.
Which hedge fund is a major shareholder of Commencement Bank?
Currently, no hedge funds are holding shares in CBWA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Commencement Bank Stock Smart Score
Neutral
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9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
56.01%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
8.54%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Commencement Bank
Commencement Bancorp Inc. functions as the parent entity for Commencement Bank, delivering a comprehensive array of financial products and services. These offerings are designed for individual customers, as well as small and medium-sized enterprises across western Washington. The bank accepts various deposit types, including non-interest-bearing, demand, savings, NOW, money market, and time accounts, alongside certificates of deposit. Its lending options span term loans, home equity loans and lines of credit, personal reserve overdraft facilities, and a wide spectrum of commercial real estate financing, encompassing residential (1-4 family), multi-family, commercial, construction, and land projects. Additionally, the company provides government-guaranteed and other specialized loans, coupled with credit/debit card services and ATM access. Founded in 2006 and headquartered in Tacoma, Washington, the bank maintains four branches situated in Tacoma, Enumclaw, Auburn, and Olympia.
Technical Analysis
Ownership Overview
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Insiders
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Mutual Funds
3.34% Other Institutional Investors
96.66% Public Companies and
Individual Investors