Community West Bancshares (CWBC) vs Hingham Institution for Savings (HIFS)

Community West Bancshares and Hingham Institution for Savings are both Banks Regional companies. Community West Bancshares and Hingham Institution for Savings are of similar size ($707.1M and $659.4M). Hingham Institution for Savings trades at the lower P/E: 10.0× against 14.0×. Hingham Institution for Savings grew revenue faster over the last twelve months: 13.0% against 12.9%. Hingham Institution for Savings has the higher net margin (27.0% vs 16.9%) and the lower return on invested capital (2.88% vs 6.83%). Both pay a dividend; Community West Bancshares yields more (1.84% vs 0.62%). Across the 19 metrics below, Community West Bancshares leads on 11 and Hingham Institution for Savings on 8.

Valuation

Metric CWBC HIFS Banks Regional median
P/E 14.03 10.02 12.02
P/S 3.29 2.71 2.36
P/B 1.16 1.31 1.23
Price to free cash flow 14.63 18.81 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.13% 9.98% 8.21%
Free cash flow yield 6.84% 5.32% 9.23%

Profitability

Metric CWBC HIFS Banks Regional median
Gross margin 76.29% 49.39% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.86% 26.99% 18.82%
Free cash flow margin 22.46% 14.43% 17.97%
Return on equity 7.33% 13.91% 10.28%
Return on assets 0.84% 1.46% 1.13%
Return on invested capital 6.83% 2.88% 8.45%

Growth

Metric CWBC HIFS Banks Regional median
Revenue growth (TTM) 12.91% 13.03% 6.37%
EPS growth (last fiscal year) 344.44% 92.68% 18.85%
Revenue growth, 5-year CAGR 19.71% 15.43% 12.65%
Net income growth, 5-year CAGR 13.41% 1.45% 9.81%

Health

Metric CWBC HIFS Banks Regional median
Debt to equity 0.12 2.77 0.17
Current ratio 0.89 1.50 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CWBC HIFS Banks Regional median
Dividend yield 1.84% 0.62% 2.49%
Payout ratio 0.26 0.06 0.29

Size

Metric CWBC HIFS Banks Regional median
Market cap 707.13m 659.44m 934.85m

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