CWBC
Community West Bancshares
CWBC's outlook is improving, though it still trails on the overall score.
MS
Morgan Stanley
MS has the edge over CWBC overall, supported by stronger fundamentals and stronger valuation.
CWBC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
CWBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CWBC.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
CWBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $12.74 | -50% |
| Forward | 8.9x | $25.64 | — |
| Fair | 10x | $16.28 | -37% |
| Expensive | 16x | $24.83 | -3.2% |
| Current | 16x | $25.64 | — |
Historical ranges are pointers, not guarantees.
CWBC's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 8.9x next year's earnings, in its cheap range.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS has the edge over CWBC in the historical PE scenario, which offers more potential upside but is not a forecast.
CWBC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for CWBC, with profitability improving.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
CWBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.88 | +82% |
| Q3 2026 | $1.58 | -7.6% |
| Q2 2026 | $1.85 | +40% |
| Q1 2026 | $2.16 | +272% |
| Q4 2025 | $2.00 | +344% |
| Q3 2025 | $1.71 | +159% |
| Q2 2025 | $1.32 | +29% |
| Q1 2025 | $0.58 | -69% |
| Q4 2024 | $0.45 | -79% |
CWBC's earnings per share have fallen from their peak: $1.58 over the past year, against $2.35 in early 2023.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over CWBC on earnings, with more consistent year-over-year improvement.
CWBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $58M | +53% |
| Q2 2026 | $48.9M | +37% |
| Q1 2026 | $38.8M | +11% |
| Q4 2025 | $38.3M | +12% |
| Q3 2025 | $37.9M | +21% |
| Q2 2025 | $35.7M | +17% |
| Q1 2025 | $34.8M | +68% |
| Q4 2024 | $34.3M | +53% |
CWBC has the edge over MS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 19% | -20 points |
| Q2 2026 | 8.5% | -22 points |
| Q1 2026 | 41% | +7.9 points |
| Q4 2025 | 40% | +11 points |
| Q3 2025 | 40% | +27 points |
| Q2 2025 | 30% | +56 points |
| Q1 2025 | 33% | +9.5 points |
| Q4 2024 | 29% | -5.5 points |
CWBC's operating margin was 19% last quarter, down 20 points from the same quarter a year ago.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over CWBC on profitability, with a higher operating margin.
CWBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $17.9M | +40% |
| Q2 2026 | $17.5M | +65% |
| Q1 2026 | $8.2M | -24% |
| Q4 2025 | $9.5M | +$10.2M |
| Q3 2025 | $12.8M | +51% |
| Q2 2025 | $10.6M | +80% |
| Q1 2025 | $10.8M | +204% |
| Q4 2024 | -$701K | +$81K |
CWBC has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
CWBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +35.7K shares |
| 1 year | +42% | +8.1M shares |
| 3 years | +131% | +15.4M shares |
| 5 years | +125% | +15.1M shares |
| Available history | +101% | +13.6M shares |
CWBC has 27M diluted shares, up 42% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $170,000 |
| Q1 2026 | $57,000 |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $71,000 |
| Q1 2025 | $80,000 |
| Q4 2024 | — |
CWBC has spent almost nothing on buybacks in the past year.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over CWBC on shareholder dilution, with a more favorable share count trend.
CWBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.5x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -0.9x | Net Cash |
| Q3 2025 | -2.0x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -3.6x | Net Cash |
CWBC has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
CWBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 44.2 | Neutral |
CWBC's weekly RSI is 51 (neutral) and its Stochastic is 44 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
CWBC PE vs Financial Services Sector
| Metric | CWBC | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 25% above |
| PE % | 85 | 63 | 22 pts above |
CWBC is trading at 16x earnings, a 25% premium to the Financial Services sector's median of 13x.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS has the edge over CWBC on valuation relative to its sector.
CWBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.0 | 1.5% below |
| 20 week MA | $26.1 | 1.6% below |
| 50 week MA | $24.7 | 3.9% above |
| 100 week MA | $22.1 | 16% above |
| 200 week MA | $20.3 | 27% above |
CWBC has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 27% above its 200-week average.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
CWBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.7 | $15.1 | -31% |
| 2021 | $15.1 | $20.9 | +39% |
| 2022 | $20.9 | $20.8 | -0.1% |
| 2023 | $20.8 | $22.4 | +7.3% |
| 2024 | $22.4 | $19.4 | -13% |
| 2025 | $19.4 | $22.7 | +17% |
| 2026 YTD | $22.7 | $25.6 | +13% |
CWBC has the edge over MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.