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CANADIAN WESTERN BANK - CWBCN 7.651 PERP (CWB-PR-D.CA) Stock Fundamental Analysis

TSX:CWB-PR-D - Toronto Stock Exchange - CA1367658806 - Currency: CAD

27.97  +0.72 (+2.64%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CWB-PR-D. CWB-PR-D was compared to 31 industry peers in the Banks industry. CWB-PR-D has a bad profitability rating. Also its financial health evaluation is rather negative. CWB-PR-D has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CWB-PR-D had positive earnings in the past year.
In the past year CWB-PR-D had a positive cash flow from operations.
Each year in the past 5 years CWB-PR-D has been profitable.
Of the past 5 years CWB-PR-D 4 years had a positive operating cash flow.
CWB-PR-D.CA Yearly Net Income VS EBIT VS OCF VS FCFCWB-PR-D.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

Looking at the Return On Assets, with a value of 0.62%, CWB-PR-D is in line with its industry, outperforming 41.94% of the companies in the same industry.
The Return On Equity of CWB-PR-D (6.14%) is worse than 90.32% 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-D.CA Yearly ROA, ROE, ROICCWB-PR-D.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 22.63%, CWB-PR-D is in line with its industry, outperforming 41.94% of the companies in the same industry.
CWB-PR-D's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CWB-PR-D so they could not be analyzed.
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-D.CA Yearly Profit, Operating, Gross MarginsCWB-PR-D.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-D does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CWB-PR-D has been increased compared to 1 year ago.
Compared to 5 years ago, CWB-PR-D has more shares outstanding
The debt/assets ratio for CWB-PR-D is higher compared to a year ago.
CWB-PR-D.CA Yearly Shares OutstandingCWB-PR-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
CWB-PR-D.CA Yearly Total Debt VS Total AssetsCWB-PR-D.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

The Debt to FCF ratio of CWB-PR-D is 7.63, which is on the high side as it means it would take CWB-PR-D, 7.63 years of fcf income to pay off all of its debts.
CWB-PR-D has a better Debt to FCF ratio (7.63) than 64.52% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that CWB-PR-D is somewhat dependend on debt financing.
CWB-PR-D has a better Debt to Equity ratio (0.97) than 93.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.63
Altman-Z N/A
ROIC/WACCN/A
WACC20.59%
CWB-PR-D.CA Yearly LT Debt VS Equity VS FCFCWB-PR-D.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-D.CA Yearly Current Assets VS Current LiabilitesCWB-PR-D.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

The earnings per share for CWB-PR-D have decreased strongly by -15.64% in the last year.
The Earnings Per Share has been decreasing by -0.78% on average over the past years.
Looking at the last year, CWB-PR-D shows a small growth in Revenue. The Revenue has grown by 6.41% in the last year.
Measured over the past years, CWB-PR-D shows a small growth in Revenue. The Revenue has been growing by 6.56% on average per year.
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

CWB-PR-D is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.25% yearly.
Based on estimates for the next years, CWB-PR-D 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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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-D.CA Yearly Revenue VS EstimatesCWB-PR-D.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-D.CA Yearly EPS VS EstimatesCWB-PR-D.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

The Price/Earnings ratio is 9.26, which indicates a very decent valuation of CWB-PR-D.
CWB-PR-D's Price/Earnings ratio is a bit more expensive when compared to the industry. CWB-PR-D is more expensive than 74.19% of the companies in the same industry.
CWB-PR-D is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.07, which indicates a very decent valuation of CWB-PR-D.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CWB-PR-D indicates a slightly more expensive valuation: CWB-PR-D is more expensive than 70.97% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of CWB-PR-D to the average of the S&P500 Index (22.68), we can say CWB-PR-D is valued rather cheaply.
Industry RankSector Rank
PE 9.26
Fwd PE 8.07
CWB-PR-D.CA Price Earnings VS Forward Price EarningsCWB-PR-D.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CWB-PR-D indicates a slightly more expensive valuation: CWB-PR-D is more expensive than 74.19% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.9
EV/EBITDA N/A
CWB-PR-D.CA Per share dataCWB-PR-D.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

CWB-PR-D'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-D's earnings are expected to grow with 12.25% in the coming years.
PEG (NY)0.63
PEG (5Y)N/A
EPS Next 2Y12.25%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CWB-PR-D has a Yearly Dividend Yield of 2.54%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.02, CWB-PR-D's dividend is way lower than its industry peers. On top of this 90.32% of the companies listed in the same industry pay a better dividend than CWB-PR-D!
Compared to an average S&P500 Dividend Yield of 2.27, CWB-PR-D has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.54%

5.2 History

The dividend of CWB-PR-D has a limited annual growth rate of 4.68%.
CWB-PR-D has been paying a dividend for over 5 years, so it has already some track record.
As CWB-PR-D did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)4.68%
Div Incr Years1
Div Non Decr Years5
CWB-PR-D.CA Yearly Dividends per shareCWB-PR-D.CA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

58.26% of the earnings are spent on dividend by CWB-PR-D. This is a bit on the high side, but may be sustainable.
CWB-PR-D's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP58.26%
EPS Next 2Y12.25%
EPS Next 3YN/A
CWB-PR-D.CA Yearly Income VS Free CF VS DividendCWB-PR-D.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-D.CA Dividend Payout.CWB-PR-D.CA Dividend Payout, showing the Payout Ratio.CWB-PR-D.CA Dividend Payout.PayoutRetained Earnings

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CANADIAN WESTERN BANK - CWBCN 7.651 PERP

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

27.97

+0.72 (+2.64%)

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 Cap2.71B
Analysts70
Price Target24.48 (-12.48%)
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 Years5
Ex-Date01-24 2025-01-24 (0.4781875)
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)0%
PT rev (3m)4.6%
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 9.26
Fwd PE 8.07
P/S 2.29
P/FCF 4.9
P/OCF 3.95
P/B 0.62
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)3.02
EY10.8%
EPS(NY)3.47
Fwd EY12.39%
FCF(TTM)5.71
FCFY20.43%
OCF(TTM)7.08
OCFY25.31%
SpS12.23
BVpS45.05
TBVpS41.11
PEG (NY)0.63
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
WACC20.59%
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%