Community West Bancshares (CWBC) vs Red River Bancshares, Inc. (RRBI)

Community West Bancshares and Red River Bancshares, Inc. are both Banks Regional companies. Community West Bancshares and Red River Bancshares, Inc. are of similar size ($707.1M and $687.9M). Community West Bancshares trades at the lower P/E: 14.0× against 15.0×. Community West Bancshares grew revenue faster over the last twelve months: 12.9% against 7.09%. Red River Bancshares, Inc. has the higher net margin (26.3% vs 16.9%) and the higher return on invested capital (18.9% vs 6.83%). Both pay a dividend; Community West Bancshares yields more (1.84% vs 0.86%). Across the 19 metrics below, Community West Bancshares leads on 11 and Red River Bancshares, Inc. on 8.

Valuation

Metric CWBC RRBI Banks Regional median
P/E 14.03 15.01 12.02
P/S 3.29 3.94 2.36
P/B 1.16 1.79 1.23
Price to free cash flow 14.63 13.28 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.13% 6.66% 8.21%
Free cash flow yield 6.84% 7.53% 9.23%

Profitability

Metric CWBC RRBI Banks Regional median
Gross margin 76.29% 75.26% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.86% 26.25% 18.82%
Free cash flow margin 22.46% 29.67% 17.97%
Return on equity 7.33% 12.77% 10.28%
Return on assets 0.84% 1.42% 1.13%
Return on invested capital 6.83% 18.89% 8.45%

Growth

Metric CWBC RRBI Banks Regional median
Revenue growth (TTM) 12.91% 7.09% 6.37%
EPS growth (last fiscal year) 344.44% 28.89% 18.85%
Revenue growth, 5-year CAGR 19.71% 11.06% 12.65%
Net income growth, 5-year CAGR 13.41% 8.73% 9.81%

Health

Metric CWBC RRBI Banks Regional median
Debt to equity 0.12 0.00 0.17
Current ratio 0.89 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CWBC RRBI Banks Regional median
Dividend yield 1.84% 0.86% 2.49%
Payout ratio 0.26 0.13 0.29

Size

Metric CWBC RRBI Banks Regional median
Market cap 707.13m 687.91m 934.85m

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