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California BanCorp (BCAL) vs Community West Bancshares (CWBC)

California BanCorp and Community West Bancshares are both Banks Regional companies. California BanCorp and Community West Bancshares are of similar size ($699.2M and $698.0M). California BanCorp trades at the lower P/E: 11.7× against 13.8×. Community West Bancshares grew revenue faster over the last twelve months: 12.9% against −2.30%. California BanCorp has the higher net margin (26.0% vs 16.9%) and the higher return on invested capital (16.2% vs 6.83%). Both pay a dividend; California BanCorp yields more (1.93% vs 1.86%). Across the 19 metrics below, California BanCorp leads on 17 and Community West Bancshares on 2.

Valuation

Metric BCAL CWBC Banks Regional median
P/E 11.69 13.84 11.98
P/S 3.02 3.24 2.34
P/B 1.19 1.15 1.19
Price to free cash flow 11.79 14.43 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.56% 7.22% 8.23%
Free cash flow yield 8.48% 6.93% 9.08%

Profitability

Metric BCAL CWBC Banks Regional median
Gross margin 77.87% 76.29% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.01% 16.86% 18.66%
Free cash flow margin 25.61% 22.46% 21.11%
Return on equity 10.61% 7.33% 10.65%
Return on assets 1.51% 0.84% 1.13%
Return on invested capital 16.15% 6.83% 8.35%

Growth

Metric BCAL CWBC Banks Regional median
Revenue growth (TTM) (2.30%) 12.91% 6.98%
EPS growth (last fiscal year) 777.27% 344.44% 18.88%
Revenue growth, 5-year CAGR 37.44% 19.71% 12.38%
Net income growth, 5-year CAGR 67.92% 13.41% 9.71%

Health

Metric BCAL CWBC Banks Regional median
Debt to equity 0.00 0.12 0.22
Current ratio 0.99 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCAL CWBC Banks Regional median
Dividend yield 1.93% 1.86% 2.57%
Payout ratio 0.23 0.26 0.30

Size

Metric BCAL CWBC Banks Regional median
Market cap 697.99m 699.17m 913.33m

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