CW Bancorp (CWBK) AI Stock Analysis

• Market Cap: $112.33M
• Dividend Yield: 2.78%
• Average Volume (3M): 699.00
• Price to Earnings (P/E): 7.8
• Beta (1Y): 0.20
• Revenue Growth: 4.81%
• EPS Growth: -13.03%
• Country: US
• Employees: 47
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.97
• Shares Outstanding: 3,353,158
• 10 Day Avg. Volume: 107
• 30 Day Avg. Volume: 699
• PEG Ratio: -0.66
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: ―

CW Bancorp's overall stock score reflects strong financial performance with solid revenue growth, a robust balance sheet, and effective cost management. The technical analysis shows mixed signals with potential short-term weakness but long-term strength. The stock's valuation is attractive with a low P/E ratio and reasonable dividend yield. These factors combine to give CWBK a solid overall score, making it a potentially appealing investment in the banking sector.

CW Bancorp Business Overview & Revenue Model

Company Description

CW Bancorp operates as a holding company for CommerceWest Bank that provides various commercial banking services for small and mid-sized businesses in California. The company offers personal checking account, checking account, money market deposit account, savings account, sweep accounts, business accounts, attorney client trust accounts, and personal certificate of deposits It also provides loans, including lines of credit, commercial real estate loan, asset based, mergers and acquisitions, international, and term loan. In addition, the company offers remote deposit solutions; and online banking, mobile banking, and treasury management services. CW Bancorp was founded in 2001 and is headquartered in Irvine, California.

How the Company Makes Money

CW Bancorp generates revenue through various streams typical of a banking institution. Key revenue sources include interest income from loans and credit products extended to personal and business clients, as well as fees from various banking services such as account maintenance, transaction processing, and wealth management advisory. The company also earns from mortgage origination and servicing fees. Additionally, CW Bancorp may engage in strategic partnerships with other financial entities to enhance its product offerings and expand its customer base, thereby contributing to its earnings. These diversified revenue streams allow the company to maintain financial stability and growth.

CW Bancorp Financial Statement Overview

Summary

CW Bancorp demonstrates solid financial health with strong revenue growth, effective cost management, and stable profitability. The balance sheet is robust, with low leverage and growing equity. Cash flows are generally positive, supporting operational and strategic needs, though recent declines in operating cash flow warrant attention. Overall, the company is well-positioned in the banking industry with a solid financial foundation.

Income Statement

CW Bancorp shows strong financial performance with consistent revenue growth, increasing from $24.76M in 2019 to $48.42M in 2023. The gross profit margin improved significantly, reflecting effective cost management. The net profit margin remains stable, demonstrating strong profitability. However, a slight decline in EBIT and EBITDA margins in the most recent year suggests potential cost pressures.

Balance Sheet

The company maintains a solid balance sheet with a low debt-to-equity ratio, indicating prudent leverage management. Stockholders' equity has increased over time, enhancing the equity ratio and reflecting a strong financial position. However, the decline in total assets over the recent year may need monitoring.

Cash Flow

CW Bancorp's cash flow shows resilience with positive operating cash flow and free cash flow. While free cash flow growth has fluctuated, the company maintains a healthy free cash flow to net income ratio, indicating efficient cash management. Recent declines in operating cash flow should be watched for potential impacts on liquidity.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
55.10M	48.42M	43.38M	34.34M	33.25M	24.76M
	Gross Profit
55.10M	58.57M	43.38M	34.34M	33.25M	24.76M
	EBIT
30.27M	48.42M	28.10M	18.59M	12.25M	10.72M
	EBITDA
2.37M	24.68M	34.48M	18.76M	12.37M	10.92M
	Net Income Common Stockholders
14.86M	17.61M	17.36M	14.18M	9.09M	8.21M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
305.02M	387.46M	563.04M	548.64M	715.36M	428.01M
	Total Assets
798.29M	1.30B	1.44B	1.37B	1.32B	883.33M
	Total Debt
0.00	53.72M	54.36M	54.79M	173.00K	0.00
	Net Debt
-305.02M	-333.74M	-384.08M	-343.33M	-638.37M	-359.55M
	Total Liabilities
0.00	1.22B	54.36M	54.79M	1.25B	818.59M
	Stockholders Equity
59.23M	78.86M	69.62M	73.53M	70.21M	64.86M
Cash Flow		Free Cash Flow
0.00	17.37M	20.98M	11.61M	14.77M	8.77M
	Operating Cash Flow
0.00	17.68M	20.99M	12.71M	15.04M	8.81M
	Investing Cash Flow
0.00	87.63M	-47.78M	-281.55M	-158.71M	-27.75M
	Financing Cash Flow
0.00	-156.27M	67.60M	28.42M	422.90M	74.05M

CW Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 33.08
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CWBK, the sentiment is Neutral. The current price of 33.08 is above the 20-day moving average (MA) of 33.07, above the 50-day MA of 32.65, and below the 200-day MA of 33.89, indicating a neutral trend. The MACD of 0.17 indicates Negative momentum. The RSI at 52.11 is Neutral, neither overbought nor oversold. The STOCH value of 39.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CWBK.

CW Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CWBK	70 Outperform	$112.33M	7.79	15.77%	2.78%	4.81%	-13.03%
Sector *	64 Neutral	$12.67B	9.74	7.58%	17015.08%	12.21%	-6.96%
AFBI	64 Neutral	$115.71M	20.31	4.84%	―	8.74%	-1.73%
SRBK	63 Neutral	$108.96M	668.18	-0.05%	0.38%	―	―
RVSB	60 Neutral	$121.45M	24.87	3.11%	1.38%	9.61%	29.84%
RBKB	51 Neutral	$124.41M	―	-6.20%	―	-17.91%	-257.99%