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CANADIAN WESTERN BANK - CWBCN 6.371 PERP (CWB-PR-B.CA) Stock Fundamental Analysis

TSX:CWB-PR-B - Toronto Stock Exchange - CA1367655000 - Currency: CAD

25.88  +0.38 (+1.49%)

Fundamental Rating

3

CWB-PR-B gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 31 industry peers in the Banks industry. CWB-PR-B may be in some trouble as it scores bad on both profitability and health. CWB-PR-B is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CWB-PR-B had positive earnings in the past year.
In the past year CWB-PR-B had a positive cash flow from operations.
CWB-PR-B had positive earnings in each of the past 5 years.
CWB-PR-B had a positive operating cash flow in 4 of the past 5 years.
CWB-PR-B.CA Yearly Net Income VS EBIT VS OCF VS FCFCWB-PR-B.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

CWB-PR-B has a Return On Assets (0.62%) which is comparable to the rest of the industry.
CWB-PR-B has a worse Return On Equity (6.14%) than 87.10% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 6.14%
ROIC N/A
ROA(3y)0.71%
ROA(5y)0.75%
ROE(3y)7.5%
ROE(5y)7.85%
ROIC(3y)N/A
ROIC(5y)N/A
CWB-PR-B.CA Yearly ROA, ROE, ROICCWB-PR-B.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

CWB-PR-B has a Profit Margin of 22.63%. This is comparable to the rest of the industry: CWB-PR-B outperforms 45.16% of its industry peers.
In the last couple of years the Profit Margin of CWB-PR-B has declined.
CWB-PR-B does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.63%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.12%
PM growth 5Y-6.09%
GM growth 3YN/A
GM growth 5YN/A
CWB-PR-B.CA Yearly Profit, Operating, Gross MarginsCWB-PR-B.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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2

2. Health

2.1 Basic Checks

CWB-PR-B does not have a ROIC to compare to the WACC, probably because it is not profitable.
CWB-PR-B has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CWB-PR-B has been increased compared to 5 years ago.
CWB-PR-B has a worse debt/assets ratio than last year.
CWB-PR-B.CA Yearly Shares OutstandingCWB-PR-B.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
CWB-PR-B.CA Yearly Total Debt VS Total AssetsCWB-PR-B.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

CWB-PR-B has a debt to FCF ratio of 7.63. This is a slightly negative value and a sign of low solvency as CWB-PR-B would need 7.63 years to pay back of all of its debts.
The Debt to FCF ratio of CWB-PR-B (7.63) is better than 67.74% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that CWB-PR-B is somewhat dependend on debt financing.
CWB-PR-B has a better Debt to Equity ratio (0.97) than 96.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.63
Altman-Z N/A
ROIC/WACCN/A
WACC21.03%
CWB-PR-B.CA Yearly LT Debt VS Equity VS FCFCWB-PR-B.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CWB-PR-B.CA Yearly Current Assets VS Current LiabilitesCWB-PR-B.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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4

3. Growth

3.1 Past

CWB-PR-B shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.64%.
The Earnings Per Share has been decreasing by -0.78% on average over the past years.
CWB-PR-B shows a small growth in Revenue. In the last year, the Revenue has grown by 6.41%.
CWB-PR-B shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.56% yearly.
EPS 1Y (TTM)-15.64%
EPS 3Y-7.45%
EPS 5Y-0.78%
EPS Q2Q%-27.66%
Revenue 1Y (TTM)6.41%
Revenue growth 3Y5.23%
Revenue growth 5Y6.56%
Sales Q2Q%7.13%

3.2 Future

The Earnings Per Share is expected to grow by 12.25% on average over the next years. This is quite good.
Based on estimates for the next years, CWB-PR-B will show a small growth in Revenue. The Revenue will grow by 5.44% on average per year.
EPS Next Y14.77%
EPS Next 2Y12.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.13%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CWB-PR-B.CA Yearly Revenue VS EstimatesCWB-PR-B.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
CWB-PR-B.CA Yearly EPS VS EstimatesCWB-PR-B.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

CWB-PR-B is valuated reasonably with a Price/Earnings ratio of 8.57.
CWB-PR-B's Price/Earnings ratio is a bit more expensive when compared to the industry. CWB-PR-B is more expensive than 67.74% of the companies in the same industry.
CWB-PR-B is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.47, the valuation of CWB-PR-B can be described as very cheap.
Based on the Price/Forward Earnings ratio, CWB-PR-B is valued a bit more expensive than 64.52% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.68. CWB-PR-B is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.57
Fwd PE 7.47
CWB-PR-B.CA Price Earnings VS Forward Price EarningsCWB-PR-B.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CWB-PR-B is valued a bit more expensive than 70.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.53
EV/EBITDA N/A
CWB-PR-B.CA Per share dataCWB-PR-B.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

CWB-PR-B's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CWB-PR-B's earnings are expected to grow with 12.25% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y12.25%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CWB-PR-B has a Yearly Dividend Yield of 2.54%.
Compared to an average industry Dividend Yield of 4.02, CWB-PR-B's dividend is way lower than its industry peers. On top of this 87.10% of the companies listed in the same industry pay a better dividend than CWB-PR-B!
CWB-PR-B's Dividend Yield is comparable with the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 2.54%

5.2 History

The dividend of CWB-PR-B has a limited annual growth rate of 4.68%.
CWB-PR-B has been paying a dividend for at least 10 years, so it has a reliable track record.
CWB-PR-B has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.68%
Div Incr Years1
Div Non Decr Years4
CWB-PR-B.CA Yearly Dividends per shareCWB-PR-B.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

CWB-PR-B pays out 58.26% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CWB-PR-B is growing, but earnings are growing more, so the dividend growth is sustainable.
DP58.26%
EPS Next 2Y12.25%
EPS Next 3YN/A
CWB-PR-B.CA Yearly Income VS Free CF VS DividendCWB-PR-B.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
CWB-PR-B.CA Dividend Payout.CWB-PR-B.CA Dividend Payout, showing the Payout Ratio.CWB-PR-B.CA Dividend Payout.PayoutRetained Earnings

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CANADIAN WESTERN BANK - CWBCN 6.371 PERP

TSX:CWB-PR-B (2/21/2025, 7:00:00 PM)

25.88

+0.38 (+1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-18 2024-12-18/bmo
Earnings (Next)02-27 2025-02-27
Inst Owners129.62%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap2.50B
Analysts70
Price Target23.37 (-9.7%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.54%
Yearly Dividend1.62
Dividend Growth(5Y)4.68%
DP58.26%
Div Incr Years1
Div Non Decr Years4
Ex-Date01-24 2025-01-24 (0.3981875)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-26.69%
Min EPS beat(2)-30.52%
Max EPS beat(2)-22.86%
EPS beat(4)1
Avg EPS beat(4)-14.69%
Min EPS beat(4)-30.52%
Max EPS beat(4)1.04%
EPS beat(8)4
Avg EPS beat(8)-5.09%
EPS beat(12)5
Avg EPS beat(12)-4.04%
EPS beat(16)9
Avg EPS beat(16)0.69%
Revenue beat(2)1
Avg Revenue beat(2)0.26%
Min Revenue beat(2)-0.24%
Max Revenue beat(2)0.76%
Revenue beat(4)1
Avg Revenue beat(4)-1.19%
Min Revenue beat(4)-3.13%
Max Revenue beat(4)0.76%
Revenue beat(8)2
Avg Revenue beat(8)-1.56%
Revenue beat(12)2
Avg Revenue beat(12)-1.93%
Revenue beat(16)5
Avg Revenue beat(16)-1.43%
PT rev (1m)1.26%
PT rev (3m)4.52%
EPS NQ rev (1m)-7.22%
EPS NQ rev (3m)-8.8%
EPS NY rev (1m)-5.94%
EPS NY rev (3m)-5.94%
Revenue NQ rev (1m)-0.39%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.28%
Valuation
Industry RankSector Rank
PE 8.57
Fwd PE 7.47
P/S 2.12
P/FCF 4.53
P/OCF 3.66
P/B 0.57
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)3.02
EY11.67%
EPS(NY)3.47
Fwd EY13.39%
FCF(TTM)5.71
FCFY22.08%
OCF(TTM)7.08
OCFY27.35%
SpS12.23
BVpS45.05
TBVpS41.11
PEG (NY)0.58
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 6.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.63%
GM N/A
FCFM 46.7%
ROA(3y)0.71%
ROA(5y)0.75%
ROE(3y)7.5%
ROE(5y)7.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.12%
PM growth 5Y-6.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.63
Debt/EBITDA N/A
Cap/Depr 185.95%
Cap/Sales 11.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 206.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC21.03%
ROIC/WACCN/A
Cap/Depr(3y)145.14%
Cap/Depr(5y)128.04%
Cap/Sales(3y)9.15%
Cap/Sales(5y)7.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.64%
EPS 3Y-7.45%
EPS 5Y-0.78%
EPS Q2Q%-27.66%
EPS Next Y14.77%
EPS Next 2Y12.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.41%
Revenue growth 3Y5.23%
Revenue growth 5Y6.56%
Sales Q2Q%7.13%
Revenue Next Year6.13%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y189.15%
FCF growth 3Y-9.45%
FCF growth 5YN/A
OCF growth 1Y226.52%
OCF growth 3Y-5.07%
OCF growth 5Y102.74%