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 Outstanding results in Dec 25
- The company has declared positive results for the last 2 consecutive quarters
- NII(Q) Highest at USD 35.99 MM
- OPERATING CASH FLOW(Y) Highest at USD 35.8 MM
- ROCE(HY) Highest at 1.06%
3
With ROA of 0.62%, it has a attractive valuation with a 1.06 Price to Book Value
- Over the past year, while the stock has generated a return of 23.96%, its profits have risen by 382.5% ; the PEG ratio of the company is 0
4
High Institutional Holdings at 55.92%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.64% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- 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
26.07%
1.26
25.87%
S&P 500
16.12%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.99%
EBIT Growth (5y)
14.27%
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
24.00%
Pledged Shares
0
Institutional Holding
55.92%
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
9.03
EV to EBITDA
8.44
EV to Capital Employed
1.06
EV to Sales
2.40
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
11.75%
ROE (Latest)
9.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
NII(Q)
Highest at USD 35.99 MM
OPERATING CASH FLOW(Y)
Highest at USD 35.8 MM
ROCE(HY)
Highest at 1.06%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Highest at 82.09%
NET SALES(Q)
Highest at USD 47.9 MM
OPERATING PROFIT(Q)
Highest at USD 15.85 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.09 %
PRE-TAX PROFIT(Q)
Highest at USD 15.85 MM
NET PROFIT(Q)
Highest at USD 11.55 MM
EPS(Q)
Highest at USD 0.58
-2What is not working for the Company
ROCE(HY)
Lowest at 1.06%
Here's what is working for Community West Bancshares
NII
Highest at USD 35.99 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.27%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at USD 35.8 MM
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 47.9 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 15.85 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.09 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 15.85 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 11.55 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 82.09%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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