ScoreComparison
Why is Community West Bancshares ?
1
High Profitability with a Net Interest Margin of 13.13%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 45.97 MM
- NII(Q) Highest at USD 36.56 MM
- ROCE(HY) Highest at 1.14%
3
With ROA of 0.58%, it has a fair valuation with a 1.06 Price to Book Value
- Over the past year, while the stock has generated a return of 38.79%, its profits have risen by 382.5% ; the PEG ratio of the company is 0
4
High Institutional Holdings at 58.16%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.24% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 38.79% in the last 1 year, much higher than market (S&P 500) returns of 25.41%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Community West Bancshares should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Community West Bancshares for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Community West Bancshares
38.79%
2.16
22.88%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.99%
EBIT Growth (5y)
13.88%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
23.98%
Pledged Shares
0
Institutional Holding
58.16%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.06
EV to EBIT
8.89
EV to EBITDA
8.17
EV to Capital Employed
1.06
EV to Sales
2.32
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
11.92%
ROE (Latest)
9.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 45.97 MM
NII(Q)
Highest at USD 36.56 MM
ROCE(HY)
Highest at 1.14%
NET SALES(Q)
Highest at USD 48.45 MM
CASH AND EQV(HY)
Highest at USD 65.55 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 81.2%
OPERATING PROFIT(Q)
Highest at USD 16 MM
PRE-TAX PROFIT(Q)
Highest at USD 16 MM
NET PROFIT(Q)
Highest at USD 11.7 MM
EPS(Q)
Highest at USD 0.6
-5What is not working for the Company
ROCE(HY)
Lowest at 1.14%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 19.99%
Here's what is working for Community West Bancshares
NII
Highest at USD 36.56 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 45.97 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 48.45 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 16 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 16 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 11.7 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.6
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 65.55 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 81.2%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 12.01%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Community West Bancshares
Non Performing Loans (%)
Highest at 0.9%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 19.99%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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