Commencement Bank (CBWA)
OTHER OTC:CBWA
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CBWA Stock Chart & Stats
$16.30
$0.00(0.00%)
At close: 4:00 PM EST
$16.30
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$11.75 - $17.40
Previous CloseN/A
Volume5.60K
Average Volume (3M)1.40K
Market Cap
$69.93M
Enterprise Value$62.21M
Total Cash (Recent Filing)$123.99M
Total Debt (Recent Filing)$15.00M
Price to Earnings (P/E)9.2
Beta0.13
Next Earnings
May 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
Shares Outstanding4,150,183
10 Day Avg. Volume564
30 Day Avg. Volume1,404
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.03
Price to Sales (P/S)1.69
P/FCF Ratio203.37
Enterprise Value/Market Cap0.89
Enterprise Value/Revenue1.90
Enterprise Value/Gross Profit2.75
Enterprise Value/Ebitda11.68
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
Bulls Say, Bears Say
Bulls Say
Revenue Growth TrendSustained top-line growth in 2024–2025 indicates expanding loan and fee activity and stronger core business traction. Persistent revenue gains support earnings durability, fund reinvestment, and provide cover for provisioning, helping the bank navigate normal cyclical headwinds over months.
Conservative Balance Sheet And CapitalLow leverage and rising equity provide a structural buffer versus credit cycles and interest-rate shocks. A conservatively positioned balance sheet increases resilience, preserves lending capacity, and supports capital allocation decisions without requiring near-term external funding.
Profitability Rebound And Margin ImprovementA marked recovery in net income and wider margins suggests improved pricing, cost control or mix shift toward higher-yielding assets. Higher operating profitability enhances internal capital generation and return-on-equity, supporting sustained business investment and shareholder returns over the medium term.
Bears Say
Weak Cash ConversionA sharp decline in operating and free cash flow versus reported earnings signals lower earnings quality or timing mismatches in loan collections and funding. Persistent weak cash conversion would constrain dividends, loan growth and balance sheet management, raising structural liquidity concerns.
Earnings And Margin VolatilitySignificant swing in margins across recent years points to sensitivity to rate, mix and credit factors. Continued margin volatility complicates forecasting and may lead to uneven capital generation, making medium-term profitability less predictable for stakeholders.
Funding Mix / Reported Debt Reduction RiskA pronounced drop in reported debt suggests a structural funding shift (less leverage or different funding sources). Such changes can alter net interest margin dynamics, liquidity buffer composition and cost of funds, potentially reducing earnings leverage or increasing funding cost sensitivity.
CBWA FAQ
What was Commencement Bank’s price range in the past 12 months?
Commencement Bank lowest stock price was $11.75 and its highest was $17.40 in the past 12 months.
What is Commencement Bank’s market cap?
Commencement Bank’s market cap is $69.93M.
When is Commencement Bank’s upcoming earnings report date?
Commencement Bank’s upcoming earnings report date is May 06, 2026 which is in 17 days.
How were Commencement Bank’s earnings last quarter?
Currently, no data Available
Is Commencement Bank overvalued?
According to Wall Street analysts Commencement Bank’s price is currently Overvalued.
Does Commencement Bank pay dividends?
Commencement Bank pays a Notavailable dividend of $0.2 which represents an annual dividend yield of N/A. See more information on Commencement Bank dividends here
What is Commencement Bank’s EPS estimate?
Commencement Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Commencement Bank have?
Commencement Bank has 4,150,183 shares outstanding.
What happened to Commencement Bank’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Commencement Bank?
Currently, no hedge funds are holding shares in CBWA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Commencement Bank Stock Smart Score
Neutral
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5
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8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.67%
12-Months-Change
Fundamentals
Return on Equity
11.88%
Trailing 12-Months
Asset Growth
5.12%
Trailing 12-Months
Company Description
Commencement Bank
Commencement Bancorp Inc. operates as a bank holding company for Commencement Bank that provides various banking products and services for individuals, and small and midsized businesses in western Washington. It accepts non-interest-bearing, demand, savings, NOW, money market, and time deposits, as well as certificates of deposit. The company also offers term loans, home equity loans and lines of credit, personal reserve overdraft lines; commercial real estate loans, including residential 1-4 family, multi-family, commercial, construction, and land; government guaranteed, and other loans; credit and debit cards; and ATM services. It has four branches in Tacoma, Enumclaw, Auburn, and Olympiad Washington. The company was founded in 2006 and is headquartered in Tacoma, Washington.
Technical Analysis
Ownership Overview
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Insiders
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Mutual Funds
3.15% Other Institutional Investors
96.85% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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