Community West Bancshares (CWBC) vs VersaBank (VBNK)

Community West Bancshares and VersaBank are both Banks Regional companies. Community West Bancshares and VersaBank are of similar size ($755.7M and $722.9M). Community West Bancshares trades at the lower P/E: 14.4× against 30.8×. VersaBank grew revenue faster over the last twelve months: 14.5% against 12.9%. Community West Bancshares has the higher net margin (16.9% vs 9.94%) and the lower return on invested capital (6.83% vs 41.3%). Both pay a dividend; Community West Bancshares yields more (2.77% vs 0.62%). Across the 20 metrics below, Community West Bancshares leads on 13 and VersaBank on 7.

Valuation

Metric CWBC VBNK Banks Regional median
P/E 14.39 30.80 12.15
P/S 3.37 3.07 2.37
P/B 1.19 1.87 1.21
Price to free cash flow 15.01 107.29 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.76 1.64 2.27
Earnings yield 6.95% 3.25% 8.11%
Free cash flow yield 6.66% 0.93% 8.98%

Profitability

Metric CWBC VBNK Banks Regional median
Gross margin 76.29% 43.56% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.86% 9.94% 18.66%
Free cash flow margin 22.46% 2.86% 21.18%
Return on equity 7.33% 6.20% 10.64%
Return on assets 0.84% 0.55% 1.13%
Return on invested capital 6.83% 41.26% 8.33%

Growth

Metric CWBC VBNK Banks Regional median
Revenue growth (TTM) 12.91% 14.54% 6.61%
EPS growth (last fiscal year) 344.44% (41.28%) —
Revenue growth, 5-year CAGR 19.71% 27.64% 12.30%
Net income growth, 5-year CAGR 13.41% 9.64% 9.71%

Health

Metric CWBC VBNK Banks Regional median
Debt to equity 0.12 0.00 0.22
Current ratio 0.89 1.11 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CWBC VBNK Banks Regional median
Dividend yield 2.77% 0.62% 3.75%
Payout ratio 0.21 0.08 0.27

Size

Metric CWBC VBNK Banks Regional median
Market cap 722.94m 755.71m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack