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CW Bancorp
(OTC:CWBK)
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Rating:74Outperform
Price Target:
$48.00
â–²(9.12% Upside)
Action:Reiterated
Date:08/06/26
The score is driven mainly by solid (but decelerating) financial performance—profitability and leverage are still healthy, yet revenue/earnings and ROE have stepped down since 2023. Technicals are supportive with price above key moving averages and positive momentum indicators, while valuation adds a meaningful boost due to a low P/E and a moderate dividend yield.
Positive Factors
Improving leverage and capital base
The steady reduction in debt-to-equity to ~0.53 by 2025 signals a stronger capital footing and lower financial risk. This durable improvement enhances regulatory resilience, supports incremental lending capacity and provides flexibility for underwriting and balance-sheet management over months.
Negative Factors
Revenue and earnings deceleration
A multi-year slowdown in top-line and a material drop in net income reduce internal growth funding and limit the bank's ability to expand lending or invest in new services. Prolonged deceleration can compress strategic options and pressure long-term profitability trends.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage and capital base
The steady reduction in debt-to-equity to ~0.53 by 2025 signals a stronger capital footing and lower financial risk. This durable improvement enhances regulatory resilience, supports incremental lending capacity and provides flexibility for underwriting and balance-sheet management over months.
Read all positive factors
CW Bancorp (CWBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$144.10M
Dividend Yield2.09%
Average Volume (3M)310.00
Price to Earnings (P/E)10.0
Beta (1Y)0.24
Revenue Growth-2.58%
EPS Growth-0.17%
CountryUS
Employees47
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.38
Shares Outstanding3,353,158
10 Day Avg. Volume339
30 Day Avg. Volume310
Financial Highlights & Ratios
PEG Ratio-1.79
Price to Book (P/B)1.11
Price to Sales (P/S)1.76
P/FCF Ratio6.89
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
CW Bancorp Business Overview & Revenue Model
Company Description
Headquartered in Irvine, California, CW Bancorp serves as the parent company for CommerceWest Bank. Established in 2001, this entity delivers a broad spectrum of commercial banking solutions specifically tailored for small and medium-sized enterpr...
How the Company Makes Money
CW Bancorp primarily makes money through the banking operations of its subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other funding sources, with the difference captured as net interest...
CW Bancorp Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
74
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.43M | 60.23M | 60.36M | 58.57M | 47.38M | 36.36M |
| Gross Profit | 47.86M | 46.52M | 46.12M | 48.42M | 42.19M | 33.81M |
| EBITDA | 17.82M | 17.35M | 18.60M | 24.68M | 24.36M | 18.76M |
| Net Income | 12.86M | 12.25M | 13.17M | 17.61M | 17.36M | 14.18M |
Balance Sheet | ||||||
| Total Assets | 1.20B | 1.48B | 1.49B | 1.30B | 1.44B | 1.37B |
| Cash, Cash Equivalents and Short-Term Investments | 176.57M | 504.63M | 580.25M | 498.27M | 563.04M | 548.59M |
| Total Debt | 35.00M | 52.38M | 53.04M | 53.72M | 54.36M | 54.79M |
| Total Liabilities | 1.10B | 1.39B | 1.41B | 1.22B | 1.37B | 1.29B |
| Stockholders Equity | 99.34M | 94.92M | 84.59M | 78.86M | 69.62M | 73.53M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 15.35M | 13.74M | 17.37M | 20.98M | 11.61M |
| Operating Cash Flow | 0.00 | 15.47M | 13.79M | 17.68M | 20.99M | 12.71M |
| Investing Cash Flow | 0.00 | 9.57M | -74.89M | 87.63M | -47.78M | -281.55M |
| Financing Cash Flow | 0.00 | -23.77M | 177.30M | -156.27M | 67.60M | 28.42M |
CW Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $136.50M | 16.07 | 5.91% | 2.00% | 5.96% | 49.37% | |
74 Outperform | $144.10M | 10.03 | 13.45% | 2.09% | -2.58% | -0.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $145.03M | 43.90 | 1.80% | 1.07% | 6.46% | 1.90% | |
52 Neutral | $131.80M | -13.18 | -7.10% | 0.33% | 15.58% | 99.36% |
* Financial Sector Average
CWBK
CW Bancorp
43.95
10.02
29.55%
LSBK
Lake Shore Bancorp
18.00
5.28
41.52%
PNBK
Patriot National Bancorp
0.99
-0.39
-28.26%
SRBK
SR Bancorp, Inc.
19.68
4.89
33.04%
HYNE
Hoyne Bancorp, Inc.
16.56
2.56
18.29%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.