Community West Bancshares (CWBC)

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

• Sales growth 10Y > 5% 15.1%
• Exp. sales growth 3Y > 5% 10.4%
• EBIT growth 10Y > 5% 10.1%
• Exp. EBIT growth 3Y > 5% 22.9%
• Net debt < 4x EBIT 0.4x
• EBIT positive, 10Y straight 10
• Max. EBIT decline < 50% 71.1%
• Return on equity > 15% 12.5%
• ROCE > 15% 1.5%
• Expected return > 10% 30.7%

View all AAQS quality stocks · Read the methodology at AlleAktien

Source: fundamental data

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Ten checks against the annual reports — each one passed counts a point.

• Revenue grows by more than 15% a year over three years 31.0% passed
• More than 10% revenue growth is expected for the coming year 13.1% passed
• Share count grows by less than 3% a year 17.6% failed
• Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 40.9% passed
• Gross margin at 40% or higher and without meaningful erosion 72.6% failed
• Goodwill from acquisitions does not grow faster than revenue 2.6% passed
• Net debt below twice EBITDA 0.4 x EBITDA passed
• Operating cash flow covers the profits of the last three years 24 m passed
• Return on capital at 15% or higher, or up versus two years ago 1.5% failed
• Insiders hold at least 10% or are net buyers 11.6% passed

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail