CW Bancorp (CWBK) AI Stock Analysis

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CW Bancorp

(Other OTC:CWBK)

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Rating:75Outperform

Price Target:$48.00▲(18.08% Upside)

Action:reiterated

Date:08/06/26

Strong technical uptrend and attractive valuation drive the score, supported by stable financials despite revenue inconsistencies.

Positive Factors

Improving leverage and capital baseThe 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 decelerationA 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.

CW Bancorp (CWBK) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $119.04M
Dividend Yield: 2.21%
Average Volume (3M): 9,846
Price to Earnings (P/E): 8.9
Beta (1Y): 0.25
Revenue Growth: -3.93%
EPS Growth: 6.35%
Country: US
Employees: 47
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 enterprise...

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 in...

CW Bancorp Financial Statement Overview

Summary

CW Bancorp shows stable financials with growing equity and strong cash flow, but inconsistent revenue growth and declining margins limit the score.

Income Statement

65Positive

Balance Sheet

70Positive

Cash Flow

68Positive

Financial statement breakdown
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	36.99M	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	15.35M	13.74M	17.37M	20.98M	11.61M
Operating Cash Flow	0	15.47M	13.79M	17.68M	20.99M	12.71M
Investing Cash Flow	0	9.57M	-74.89M	87.63M	-47.78M	-281.55M
Financing Cash Flow	0	-23.77M	177.30M	-156.27M	67.60M	28.42M

CW Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CWBK against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	75Outperform	$145.41M	16.69	7.78%	1.93%	4.31%	24.16%
CWBK	75Outperform	$119.04M	8.91	13.94%	2.21%	-3.93%	6.35%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	54Neutral	$134.47M	36.84	2.02%	1.17%	9.63%	37.01%
PNBK	52Neutral	$102.88M	-11.09	-7.10%	―	15.58%	99.36%

* Financial Sector Average

Performance Comparison

CWBK and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CWBK	CW Bancorp	40.65	6.85	20.27%
LSBK	Lake Shore Bancorp	18.69	4.83	34.80%
PNBK	Patriot National Bancorp	0.83	-0.40	-32.36%
SRBK	SR Bancorp, Inc.	18.79	4.21	28.89%
HYNE	Hoyne Bancorp, Inc.	18.80	4.80	34.29%

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.

Date of analysis: Aug 06, 2026

CW Bancorp AI Stock Analysis