Community West Bancshares (CWBC) vs Midland States Bancorp, Inc. (MSBI)

Community West Bancshares and Midland States Bancorp, Inc. are both Banks Regional companies. Community West Bancshares and Midland States Bancorp, Inc. are of similar size ($722.9M and $687.5M). Community West Bancshares trades at the lower P/E: 14.4× against 21.3×. Community West Bancshares grew revenue faster over the last twelve months: 12.9% against −12.2%. Community West Bancshares has the higher net margin (16.9% vs 7.34%) and the higher return on invested capital (6.83% vs 6.06%). Both pay a dividend; Midland States Bancorp, Inc. yields more (5.03% vs 2.77%). Across the 20 metrics below, Community West Bancshares leads on 14 and Midland States Bancorp, Inc. on 6.

Valuation

Metric CWBC MSBI Banks Regional median
P/E 14.39 21.32 12.15
P/S 3.37 1.53 2.37
P/B 1.19 1.53 1.21
Price to free cash flow 15.01 5.59 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.76 1.62 2.27
Earnings yield 6.95% 4.69% 8.11%
Free cash flow yield 6.66% 17.87% 8.98%

Profitability

Metric CWBC MSBI Banks Regional median
Gross margin 76.29% 72.03% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.86% 7.34% 18.66%
Free cash flow margin 22.46% 27.38% 21.18%
Return on equity 7.33% 7.28% 10.64%
Return on assets 0.84% 0.49% 1.13%
Return on invested capital 6.83% 6.06% 8.33%

Growth

Metric CWBC MSBI Banks Regional median
Revenue growth (TTM) 12.91% (12.17%) 6.61%
EPS growth (last fiscal year) 344.44% (484.76%) —
Revenue growth, 5-year CAGR 19.71% 9.23% 12.30%
Net income growth, 5-year CAGR 13.41% 0.00% 9.71%

Health

Metric CWBC MSBI Banks Regional median
Debt to equity 0.12 0.59 0.22
Current ratio 0.89 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CWBC MSBI Banks Regional median
Dividend yield 2.77% 5.03% 3.75%
Payout ratio 0.21 0.29 0.27

Size

Metric CWBC MSBI Banks Regional median
Market cap 722.94m 687.52m 921.07m

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