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CWBC

Community West Bancshares
Chart
25.00 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-26 · 0.6w · Fresh
0.59
OS Score
33.0%
Value
72.0%
Quality
74.0%
Momentum
8/9
F-Score
0.487
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
4 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 35%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 22%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.80
⚡
Risk-Adj Momentum
RAM 1.58
V
Value Analysis
Cheapness relative to fundamentals
33.0%ile
P/E
18.7×
P/S
4.4×
P/B
1.1×
E/P
0.0588
FCF Yield
0.057
EBITDA/EV
0.059
SH Yield
0.017
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
72.00000000
/100 — 1=cheapest
VC2 (Trending Value)
72.00000000
/100
VC3 (Buyback)
36.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
72.0%ile
ROE
0.060
ROA
0.007
Net Margin
0.237
Op Margin
0.329
GPA
0.023
D/E
7.28
Current
0.15
F-Score
8/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.187
Earn Growth
0.372
Stability
0.435
lower=better
Accruals
-0.002
lower=better
5yr Consist
No
Highly leveraged with D/E of 7.28 — returns are being amplified by debt. F-Score of 8/9 indicates strong fundamental improvement across multiple dimensions.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
74.0%ile
6M Return
5.8%
12M Return
25.7%
12-1 Mom
35.3%
Risk-Adj
1.58
Vol 252d
22.3%
Vol 60d
47.9%
↑ Expanding
Max DD 12M
-12.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 35% is very strong — a clear uptrend. Risk-adjusted momentum of 1.58 is excellent — strong returns relative to volatility. Near-term vol (48%) is expanding vs long-term (22%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.59
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
0.2%
Sector Quality %ile
51.5%
P/E z-score
0.04
P/B z-score
-0.06
Sector Avg OS
85.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
HCI HCI Group Inc 98.0% 94.0% 93.0% 76.0%
IX Orix Corp Ads 98.0% 97.0% 82.0% 91.0%
SBFG SB Financial Group Inc 98.0% 96.0% 93.0% 76.0%
Factor Interactions
Quality Momentum — Expensive
Strong quality (72th) and momentum (74th) but expensive (33th value). Premium priced — watch for mean reversion.
Volatility Expanding
60-day vol (48%) significantly exceeds 252-day (22%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
55.3% avg (7 factors)
Quality
D
35.2% avg (8 factors)
Momentum
B
62.9% avg (4 factors)
Risk
A
79.5% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.590—0—
Value %ile0.330—0—
Quality %ile0.720—8—
Momentum %ile0.740—4—
F-Score8.000—8—
Confidence1.000—8—
Volatility0.223—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
18.73
Earnings Yield (E/P)
0.0588
Price / Sales
4.44
Price / Book
1.12
Price / Cash Flow
14.71
FCF Yield
5.7%
EBITDA / EV
5.9%
Sales Yield (1/P·S)
0.1787
Shareholder Yield
Div + net buyback / mktcap
1.7%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
6.0%
Return on Assets
0.7%
Net Margin
23.7%
Operating Margin
32.9%
Gross Profit / Assets
Novy-Marx GPA
2.3%
Debt / Equity
7.28
Current Ratio
0.15
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.002
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
5.8%
12M Return
25.7%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
35.3%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.58
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-18.7%
Earnings Growth (YoY)
37.2%
Earnings Stability (CV)
Lower = more stable
0.435
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
8
Dividend Yield
1.9%
Buyback Yield
-0.2%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
72
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
72
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
36
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity