CW Bancorp (CWBK)
OTHER OTC:CWBK
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CW Bancorp
(OTC:CWBK)
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Rating:74Outperform
Price Target:
$42.00
▲(16.38% Upside)
Action:ReiteratedDate:03/31/26
The score is driven primarily by solid but decelerating financial performance (stalled revenue growth and lower earnings/ROE), offset by improving leverage and continued positive cash generation. Technicals are supportive with the stock trading above key moving averages and positive MACD, while valuation is a key positive given the low P/E and dividend yield.
Positive Factors
Improving leverage
Debt-to-equity falling to ~0.53 reflects a stronger capital structure and rising equity. This durable improvement reduces solvency risk, increases capacity to absorb loan losses or fund growth, and supports regulatory/commercial credibility over the next several quarters.
Negative Factors
Stalled revenue growth
Momentum loss in revenue is a structural concern: with top-line flat to declining, the bank must rely on margins or non-recurring items to sustain profits. Over months this reduces growth optionality and raises sensitivity to competitive or macro pressures.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage
Debt-to-equity falling to ~0.53 reflects a stronger capital structure and rising equity. This durable improvement reduces solvency risk, increases capacity to absorb loan losses or fund growth, and supports regulatory/commercial credibility over the next several quarters.
Read all positive factors
CW Bancorp (CWBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$125.44M
Dividend Yield2.54%
Average Volume (3M)542.00
Price to Earnings (P/E)8.6
Beta (1Y)0.25
Revenue Growth6.54%
EPS Growth3.12%
CountryUS
Employees47
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.17
Shares Outstanding3,353,158
10 Day Avg. Volume150
30 Day Avg. Volume542
Financial Highlights & Ratios
PEG Ratio-1.79
Price to Book (P/B)1.11
Price to Sales (P/S)1.76
P/FCF Ratio6.89
Enterprise Value/Market Cap-2.73
Enterprise Value/Revenue-5.51
Enterprise Value/Gross Profit-7.22
Enterprise Value/Ebitda-18.72
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
CW Bancorp Business Overview & Revenue Model
Company Description
CW Bancorp operates as a holding company for CommerceWest Bank that provides various commercial banking services for small and mid-sized businesses in California. The company offers personal checking account, checking account, money market deposit...
CW Bancorp Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
74
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 62.03M | 60.23M | 60.36M | 58.57M | 47.38M | 36.36M |
| Gross Profit | 47.40M | 46.52M | 46.12M | 48.42M | 42.19M | 33.81M |
| EBITDA | 18.27M | 17.35M | 18.60M | 24.68M | 24.36M | 18.76M |
| Net Income | 13.11M | 12.25M | 13.17M | 17.61M | 17.36M | 14.18M |
Balance Sheet | ||||||
| Total Assets | 1.18B | 1.48B | 1.49B | 1.30B | 1.44B | 1.37B |
| Cash, Cash Equivalents and Short-Term Investments | 314.88M | 504.63M | 580.25M | 498.27M | 563.04M | 548.59M |
| Total Debt | 52.75M | 52.38M | 53.04M | 53.72M | 54.36M | 54.79M |
| Total Liabilities | 1.09B | 1.39B | 1.41B | 1.22B | 1.37B | 1.29B |
| Stockholders Equity | 89.42M | 94.92M | 84.59M | 78.86M | 69.62M | 73.53M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 15.35M | 13.74M | 17.37M | 20.98M | 11.61M |
| Operating Cash Flow | 0.00 | 15.47M | 13.79M | 17.68M | 20.99M | 12.71M |
| Investing Cash Flow | 0.00 | 9.57M | -74.89M | 87.63M | -47.78M | -281.55M |
| Financing Cash Flow | 0.00 | -23.77M | 177.30M | -156.27M | 67.60M | 28.42M |
CW Bancorp Technical Analysis
Neutral
36.09
Price Trends
37.13
Positive
36.20
Positive
35.19
Positive
Market Momentum
0.07
Positive
50.92
Neutral
20.18
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 36.09 is below the 20-day moving average (MA) of 37.54, below the 50-day MA of 37.13, and above the 200-day MA of 35.19, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 50.92 is Neutral, neither overbought nor oversold. The STOCH value of 20.18 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $125.44M | 8.63 | 15.46% | 2.54% | 6.54% | 3.12% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $135.92M | 14.73 | 6.68% | ― | 5.18% | 36.12% | |
65 Neutral | $115.86M | 15.59 | 6.70% | 1.75% | 2.85% | 73.41% | |
60 Neutral | $117.43M | 18.92 | 2.98% | 1.51% | 8.77% | 369.81% | |
59 Neutral | $132.56M | 35.78 | 1.57% | 0.88% | 9.43% | 166.36% | |
58 Neutral | $149.79M | 18.95 | 5.01% | 0.97% | -7.20% | -29.17% |
* Financial Sector Average
CWBK
CW Bancorp
37.41
7.65
25.71%
RVSB
Riverview Bancorp
5.67
-0.03
-0.44%
AFBI
Affinity Bancshares
22.30
4.80
27.43%
SFBC
Sound Financial Bancorp
45.15
-4.34
-8.76%
FNWD
Finward Bancorp
34.59
6.08
21.33%
SRBK
SR Bancorp, Inc.
17.50
5.57
46.68%
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.