CW Bancorp (CWBK) AI Stock Analysis

• Market Cap: $116.10M
• Dividend Yield: 2.66%
• Average Volume (3M): 542.00
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.23
• Revenue Growth: 6.54%
• EPS Growth: 3.12%
• Country: US
• Employees: 47
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.93
• Shares Outstanding: 3,353,158
• 10 Day Avg. Volume: 150
• 30 Day Avg. Volume: 542
• PEG Ratio: -0.40
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 1.79
• P/FCF Ratio: 7.85
• Enterprise Value/Market Cap: -0.19
• Enterprise Value/Revenue: -0.36
• Enterprise Value/Gross Profit: -0.47
• Enterprise Value/Ebitda: -1.21
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $38.00 ▲(10.72% Upside)

CWBK's overall score is driven by its strong valuation, reflecting an attractive P/E ratio and a solid dividend yield. Financial performance is stable, with strong revenue growth but challenges in profitability and liquidity. Technical analysis indicates a neutral market sentiment, with no significant momentum.

CW Bancorp Business Overview & Revenue Model

Company Description

CW Bancorp (CWBK) is a financial holding company that primarily operates through its banking subsidiary, providing a wide range of banking and financial services. The company caters to both individual consumers and businesses, offering products such as checking and savings accounts, loans, mortgages, and investment services. With a focus on community banking, CW Bancorp aims to foster strong relationships with its clients while contributing to the economic development of the regions it serves.

How the Company Makes Money

CW Bancorp generates revenue primarily through the interest income earned on loans and investments. The company provides various loan products, including commercial loans, residential mortgages, and consumer loans, which are a significant source of interest income. Additionally, CW Bancorp earns non-interest income from service fees, account maintenance charges, and transaction fees associated with its banking services. The company may also engage in investment activities, earning income through interest and dividends on securities. Strategic partnerships with local businesses and community organizations enhance its market presence and customer base, contributing to overall earnings.

CW Bancorp Financial Statement Overview

Summary

CW Bancorp exhibits strong revenue growth and a stable balance sheet, with efficient cost management reflected in its gross profit margin. However, declining net profit and EBIT margins indicate potential operational challenges. The cash flow statement reveals efficient cash conversion but highlights liquidity concerns due to reduced operating cash flow. Overall, the company maintains a solid financial position with areas for improvement in profitability and liquidity management.

Income Statement

CW Bancorp has demonstrated consistent revenue growth, with a 3.87% increase in the latest year. The gross profit margin remains strong at 76.40%, indicating efficient cost management. However, the net profit margin has decreased to 21.83% from previous years, suggesting increased expenses or reduced operational efficiency. The EBIT and EBITDA margins have also declined, reflecting potential challenges in maintaining operational profitability.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.63, indicating a stable leverage position. Return on equity is healthy at 15.57%, though it has decreased from previous years, suggesting a slight decline in profitability relative to equity. The equity ratio remains robust, reflecting a solid capital structure. Overall, the balance sheet shows stability but with a need for improved profitability.

Cash Flow

Operating cash flow has decreased, impacting the operating cash flow to net income ratio, which stands at 0.01. Free cash flow growth is strong, but the free cash flow to net income ratio is nearly 1, indicating efficient cash conversion. However, the decline in operating cash flow coverage suggests potential liquidity challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	62.03M	60.36M	58.57M	47.38M	36.36M	35.18M
Gross Profit	47.40M	46.12M	48.42M	42.19M	33.81M	26.66M
EBITDA	18.27M	18.60M	24.68M	34.48M	18.76M	12.37M
Net Income	13.11M	13.17M	17.61M	17.36M	14.18M	9.09M
Balance Sheet
Total Assets	1.18B	1.49B	1.30B	1.44B	1.37B	1.32B
Cash, Cash Equivalents and Short-Term Investments	314.88M	580.25M	498.27M	563.04M	548.64M	715.36M
Total Debt	52.75M	53.04M	53.72M	54.36M	54.79M	173.00K
Total Liabilities	1.09B	1.41B	1.22B	1.37B	1.29B	1.25B
Stockholders Equity	89.42M	84.59M	78.86M	69.62M	73.53M	70.21M
Cash Flow
Free Cash Flow	0.00	13.74M	17.37M	20.98M	11.61M	14.77M
Operating Cash Flow	0.00	13.79M	17.68M	20.99M	12.71M	15.04M
Investing Cash Flow	0.00	-74.89M	87.63M	-47.78M	-281.55M	-158.71M
Financing Cash Flow	0.00	177.30M	-156.27M	67.60M	28.42M	422.90M

CW Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 34.32
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• 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 34.32 is below the 20-day moving average (MA) of 34.57, below the 50-day MA of 34.58, and above the 200-day MA of 33.99, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 49.93 is Neutral, neither overbought nor oversold. The STOCH value of 46.67 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	71 Outperform	$116.10M	8.20	15.46%	2.66%	6.54%	3.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	63 Neutral	$112.39M	11.05	6.52%	1.69%	2.85%	73.57%
AFBI	62 Neutral	$118.05M	16.11	5.95%	―	5.18%	36.12%
FNWD	62 Neutral	$146.61M	17.80	5.05%	1.45%	-7.07%	-29.17%
RVSB	61 Neutral	$116.05M	25.00	2.90%	1.44%	8.77%	369.81%
SRBK	56 Neutral	$117.69M	39.72	1.57%	1.01%	9.43%	166.36%