Demonstrações financeiras detalhadas de Community West Bancshares (CWBC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Community West Bancshares registou receitas de $194.6M no último exercício, com um CAGR de 5 anos de 20.0%. O lucro líquido atingiu $38.2M, com CAGR de 5 anos de 13.4%.
Margens dos últimos 12 meses: margem bruta 70.7%, margem operacional 25.5%, margem líquida 18.4%. O fluxo de caixa livre cresceu a CAGR de 23.0% em 5 anos.
Ao preço atual de $25.95, CWBC negocia a um P/L de 13.95 e um ROE de 7.90%. A capitalização de mercado é de $546M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $54.7M | $66.4M | $72.8M | $77.7M | $78.1M | $81.5M | $86.7M | $108.1M | $164.2M | $194.6M |
| Custo da Receita | -$4.8M | -$13000 | $1.5M | $3.6M | $4.9M | -$3.1M | $4.4M | $20.3M | $61.1M | $53.3M |
| Lucro Bruto | $59.5M | $66.4M | $71.3M | $74.2M | $73.2M | $84.6M | $82.2M | $87.8M | $103.1M | $141.3M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $27.6M | $31.1M | $32.7M | $34.4M | $30.2M | $30.2M | $30.3M | $33.2M | $50.7M | $61.6M |
| Despesas Operacionais | $37.4M | $42.6M | $43.4M | $44.2M | $45.9M | $46.6M | $47.1M | $54.0M | $92.1M | $88.8M |
| Lucro Operacional | $22.1M | $23.8M | $27.9M | $30.0M | $27.3M | $38.0M | $35.1M | $33.8M | $11.0M | $52.5M |
| EBITDA | $31.3M | $33.8M | $36.1M | $36.3M | $32.8M | $47.0M | $35.9M | $34.7M | $13.2M | $56.8M |
| Despesas com Juros | $1.1M | $1.1M | $1.5M | $2.6M | $1.6M | $1.3M | $3.4M | $20.0M | $50.0M | $49.5M |
| Lucro Antes de Impostos | $22.1M | $23.8M | $27.9M | $30.0M | $27.3M | $38.0M | $35.1M | $33.8M | $11.0M | $52.5M |
| Imposto | $6.9M | $9.8M | $6.6M | $8.5M | $6.9M | $9.6M | $8.5M | $8.3M | $3.3M | $14.4M |
| Lucro Líquido | $15.2M | $14.0M | $21.3M | $21.4M | $20.3M | $28.4M | $26.6M | $25.5M | $7.7M | $38.2M |
| LPA | $1.34 | $1.12 | $1.55 | $1.60 | $1.62 | $2.32 | $2.27 | $2.18 | $0.45 | $2.01 |
| LPA Diluído | $1.33 | $1.10 | $1.54 | $1.59 | $1.62 | $2.31 | $2.27 | $2.17 | $0.45 | $2.00 |
| Ações em Circulação (Diluídas) | $11.4M | $12.7M | $13.8M | $13.5M | $12.6M | $12.5M | $11.7M | $11.8M | $17.2M | $19.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $49.2M | $49.2M | $50.1M | $48.7M |
| Lucro Bruto | $36.6M | $36.7M | $38.1M | $27.8M |
| Lucro Operacional | $15.1M | $15.3M | $15.7M | $4.2M |
| EBITDA | $16.2M | $16.4M | $16.8M | $1.2M |
| Lucro Líquido | $10.9M | $11.2M | $11.5M | $2.7M |
| LPA | $0.57 | $0.59 | $0.60 | $0.10 |
| LPA Diluído | $0.57 | $0.58 | $0.60 | $0.10 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $38.6M | $100.4M | $31.7M | $52.6M | $70.3M | $163.5M | $31.2M | $53.7M | $120.4M | $119.0M |
| Investimentos de Curto Prazo | $547.7M | $535.3M | $463.9M | $470.7M | $710.1M | $1.11B | $648.8M | $408.0M | $303.4M | 0 |
| Contas a Receber | $29.9M | $25.8M | $25.2M | $32.1M | $29.2M | $32.7M | $76.9M | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $616.2M | $661.5M | $520.8M | $555.5M | $809.5M | $1.31B | $756.9M | $461.7M | $423.8M | $119.0M |
| Imobilizado | $9.4M | $9.4M | $8.5M | $7.7M | $8.2M | $8.4M | $8.0M | $14.0M | $24.5M | $23.5M |
| Ágio | $40.2M | $53.8M | $53.8M | $53.8M | $53.8M | $53.8M | $53.8M | $53.8M | $96.8M | $96.8M |
| Ativos Intangíveis | $1.4M | $3.0M | $2.6M | $1.9M | $1.2M | $522000 | $68000 | 0 | $9.3M | $8.3M |
| Ativos Totais | $1.44B | $1.66B | $1.54B | $1.60B | $2.00B | $2.45B | $2.42B | $2.43B | $3.52B | $3.69B |
| Contas a Pagar | $17.8M | $21.3M | $20.6M | $19.8M | $31.2M | $40.0M | $32.6M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $400000 | 0 | $10.0M | 0 | 0 | 0 | $46.0M | $80.0M | $133.4M | $73.0M |
| Passivos Circulantes | $1.27B | $1.45B | $1.31B | $1.35B | $1.75B | $2.16B | $2.18B | $2.12B | $3.04B | $73.0M |
| Dívida de Longo Prazo | $5.2M | $5.2M | $5.2M | $5.2M | $5.2M | $39.5M | $69.6M | $69.7M | $69.9M | $69.5M |
| Passivos Totais | $1.28B | $1.45B | $1.32B | $1.37B | $1.76B | $2.20B | $2.25B | $2.23B | $3.16B | $3.28B |
| Reservas | $92.9M | $103.4M | $120.3M | $135.9M | $150.7M | $173.4M | $194.4M | $210.5M | $210.0M | $239.0M |
| Patrimônio Líquido | $164.0M | $209.6M | $219.7M | $228.1M | $245.0M | $247.8M | $174.7M | $207.1M | $362.7M | $409.6M |
| Dívida Total | $5.6M | $5.2M | $15.2M | $15.6M | $14.0M | $39.5M | $115.6M | $149.7M | $203.3M | $142.5M |
| Dívida Líquida | -$580.7M | -$630.5M | -$480.5M | -$507.7M | -$766.3M | -$1.23B | -$564.4M | -$312.0M | -$220.5M | $23.5M |
| Capital de Giro | -$657.9M | -$785.5M | -$792.1M | -$797.6M | -$944.4M | -$857.5M | -$1.42B | -$1.66B | -$2.62B | $46.0M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $121.6M | $119.0M | $37.9M | $73.3M |
| Ativos Totais | $3.61B | $3.69B | $3.70B | $5.03B |
| Passivos Totais | $3.21B | $3.28B | $3.28B | $4.43B |
| Patrimônio Líquido | $397.6M | $409.6M | $419.2M | $607.8M |
| Dívida Total | $90.0M | $142.5M | $103.2M | $250.3M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $15.2M | $14.0M | $21.3M | $21.4M | $20.3M | $28.4M | $26.6M | $25.5M | $7.7M | $38.2M |
| Depreciação e Amortização | $9.2M | $9.9M | $8.2M | $6.3M | $5.5M | $9.0M | $755000 | $891000 | $2.2M | $4.3M |
| Compensação em Ações | $284000 | $384000 | $478000 | $555000 | $470000 | $562000 | $776000 | $858000 | $879000 | $1.2M |
| Variação Capital de Giro | -$3.9M | -$893000 | $2.6M | $120000 | $37000 | $6.9M | -$14.5M | -$7.1M | $254000 | -$803000 |
| Fluxo de Caixa Operacional | $13.0M | $25.2M | $29.9M | $21.7M | $17.0M | $42.9M | $23.7M | $27.5M | $22.2M | $46.1M |
| CapEx | -$861000 | -$859000 | -$791000 | -$876000 | -$1.5M | -$1.0M | -$362000 | -$9.8M | -$5.0M | -$2.5M |
| Aquisições | $13.2M | $26.3M | 0 | 0 | 0 | 0 | 0 | 0 | $58.5M | 0 |
| Recompra de Ações | 0 | 0 | -$894000 | -$15.6M | -$11.1M | -$13.6M | -$6.8M | -$1000 | -$38000 | -$151000 |
| Dividendos Pagos | -$2.7M | -$3.0M | -$4.3M | -$5.8M | -$5.5M | -$5.8M | -$5.6M | -$5.7M | -$8.2M | -$9.2M |
| Fluxo de Caixa Livre | $12.1M | $24.4M | $29.1M | $20.8M | $15.5M | $41.8M | $23.3M | $17.7M | $17.2M | $43.6M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $13.2M | $10.3M | $10.9M | $19.6M |
| CapEx | -$424000 | -$813000 | -$2.7M | -$2.1M |
| Fluxo de Caixa Livre | $12.8M | $9.5M | $8.2M | $17.5M |
| Dividendos Pagos | -$2.3M | -$2.3M | -$2.3M | -$3.3M |
| Compensação em Ações | $275000 | $283000 | $278000 | $305000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +21.3% | +9.7% | +6.7% | +0.4% | +4.4% | +6.4% | +24.7% | +51.9% | +18.5% |
| Crescimento Lucro Líquido (anual) | | -7.6% | +51.8% | +0.7% | -5.1% | +39.6% | -6.2% | -4.2% | -70.0% | +397.9% |
| Crescimento LPA (anual) | | -16.4% | +38.4% | +3.2% | +1.3% | +43.2% | -2.2% | -4.0% | -79.4% | +346.7% |
| Variação de Ações (anual) | | +11.3% | +8.7% | -2.2% | -6.9% | -0.2% | -6.4% | +0.1% | +46.2% | +11.0% |
| Crescimento FCF (anual) | | +100.7% | +19.5% | -28.4% | -25.6% | +169.6% | -44.2% | -24.0% | -3.1% | +154.1% |
| Margem Bruta | 108.7% | 100.0% | 97.9% | 95.4% | 93.8% | 103.8% | 94.9% | 81.2% | 62.8% | 72.6% |
| Margem Operacional | 40.4% | 35.9% | 38.3% | 38.5% | 34.9% | 46.7% | 40.6% | 31.3% | 6.7% | 27.0% |
| Margem EBITDA | 57.3% | 50.9% | 49.5% | 46.6% | 42.0% | 57.7% | 41.4% | 32.1% | 8.0% | 29.2% |
| Margem Líquida | 27.7% | 21.1% | 29.2% | 27.6% | 26.1% | 34.9% | 30.7% | 23.6% | 4.7% | 19.6% |
| Margem FCF | 22.2% | 36.7% | 40.0% | 26.8% | 19.9% | 51.3% | 26.9% | 16.4% | 10.5% | 22.4% |
| Taxa Efetiva de Imposto | 31.3% | 41.1% | 23.7% | 28.4% | 25.4% | 25.3% | 24.2% | 24.5% | 30.3% | 27.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.06 | $1.91 | $2.11 | $1.54 | $1.23 | $3.33 | $1.99 | $1.51 | $1.00 | $2.29 |
| Dividendo por Ação | $0.24 | $0.24 | $0.31 | $0.43 | $0.44 | $0.46 | $0.48 | $0.48 | $0.48 | $0.48 |
| Ações em Circulação (Básicas) | $11.3M | $12.5M | $13.7M | $13.4M | $12.5M | $12.5M | $11.7M | $11.7M | $17.1M | $19.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 7.90% |
| Retorno sobre capital investido | -1.10% |
| Retorno sobre ativos | 0.72% |
| Margem bruta | 70.66% |
| Margem operacional | 25.50% |
| Margem líquida | 18.37% |
Saúde financeira
| Dívida / Patrimônio | 0.41 |
| Liquidez corrente | 0.15 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 0.28 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.85 | 18.96 | 13.70 | 13.54 | 9.19 | 8.95 | 9.33 | 10.25 | 43.04 | 11.19 |
| P/VP | 1.47 | 1.26 | 1.32 | 1.27 | 0.76 | 1.05 | 1.42 | 1.27 | 0.91 | 1.04 |
| P/V | 4.40 | 3.99 | 3.99 | 3.74 | 2.39 | 3.19 | 2.86 | 2.42 | 2.01 | 2.20 |
| Margem Bruta | 108.7% | 100.0% | 97.9% | 95.4% | 93.8% | 103.8% | 94.9% | 81.2% | 62.8% | 72.6% |
| Margem Operacional | 40.4% | 35.9% | 38.3% | 38.5% | 34.9% | 46.7% | 40.6% | 31.3% | 6.7% | 27.0% |
| Margem Líquida | 27.7% | 21.1% | 29.2% | 27.6% | 26.1% | 34.9% | 30.7% | 23.6% | 4.7% | 19.6% |