CommerceWest Bank
CW Bancorp operates as a holding company for CommerceWest Bank that provides various commercial banking products and services for small and mid-sized businesses in California. The company offers loans, including commercial real estate, asset based, mergers and acquisitions, international, and term loans, as well as lines of credit. It also provides checking and analyzed, money market deposit, sav… Read more
CommerceWest Bank (CWBK) - Net Assets
Latest net assets as of September 2025: $91.57 Million USD
Based on the latest financial reports, CommerceWest Bank (CWBK) has net assets worth $91.57 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.13 Billion) and total liabilities ($1.03 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $91.57 Million |
| % of Total Assets | 8.13% |
| Annual Growth Rate | 4.43% |
| 5-Year Change | 20.48% |
| 10-Year Change | 43.26% |
| Growth Volatility | 5.53 |
CommerceWest Bank - Net Assets Trend (2014–2024)
This chart illustrates how CommerceWest Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for CommerceWest Bank (2014–2024)
The table below shows the annual net assets of CommerceWest Bank from 2014 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $84.59 Million | +7.26% |
| 2023-12-31 | $78.86 Million | +13.27% |
| 2022-12-31 | $69.62 Million | -5.32% |
| 2021-12-31 | $73.53 Million | +4.74% |
| 2020-12-31 | $70.21 Million | +8.25% |
| 2019-12-31 | $64.86 Million | +9.50% |
| 2018-12-31 | $59.23 Million | -1.56% |
| 2017-12-31 | $60.17 Million | -1.61% |
| 2016-12-31 | $61.16 Million | +3.58% |
| 2015-12-31 | $59.04 Million | +7.73% |
| 2014-12-31 | $54.81 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CommerceWest Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 8008200000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $80.08 Million | 94.68% |
| Other Components | $4.50 Million | 5.32% |
| Total Equity | $84.59 Million | 100.00% |
CommerceWest Bank Competitors by Market Cap
The table below lists competitors of CommerceWest Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Viet Dragon Securities Corp
VN:VDS
|
$76.67 Million |
|
Atha Energy Corp.
PINK:SASKF
|
$76.70 Million |
|
Johnson Controls - Hitachi Air Conditioning India Limited
NSE:JCHAC
|
$76.71 Million |
|
Cita Mineral Investindo Tbk PT
JK:CITA
|
$76.72 Million |
|
Proact IT Group AB (publ)
LSE:0GT3
|
$76.63 Million |
|
Rane Holdings Limited
NSE:RANEHOLDIN
|
$76.63 Million |
|
AME Elite Consortium Bhd
KLSE:5293
|
$76.60 Million |
|
Hanla IMS Co. Ltd
KQ:092460
|
$76.58 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CommerceWest Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 78,861,000 to 84,586,000, a change of 5,725,000 (7.3%).
- Net income of 13,173,000 contributed positively to equity growth.
- Dividend payments of 2,784,000 reduced retained earnings.
- Share repurchases of 4,486,000 reduced equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $13.17 Million | +15.57% |
| Dividends Paid | $2.78 Million | -3.29% |
| Share Repurchases | $4.49 Million | -5.3% |
| Other Changes | $-178.00K | -0.21% |
| Total Change | $- | 7.26% |
Book Value vs Market Value Analysis
This analysis compares CommerceWest Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.14x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.97x to 1.14x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | $16.39 | $32.31 | x |
| 2018-12-31 | $16.14 | $32.31 | x |
| 2019-12-31 | $17.67 | $32.31 | x |
| 2020-12-31 | $19.73 | $32.31 | x |
| 2021-12-31 | $21.03 | $32.31 | x |
| 2022-12-31 | $21.01 | $32.31 | x |
| 2023-12-31 | $25.47 | $32.31 | x |
| 2024-12-31 | $28.29 | $32.31 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CommerceWest Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.57%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.57%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 17.62x
- Recent ROE (15.57%) is above the historical average (13.68%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 9.57% | 31.15% | 0.04x | 7.71x | $-234.80K |
| 2015 | 6.96% | 21.18% | 0.04x | 8.96x | $-1.79 Million |
| 2016 | 7.90% | 23.92% | 0.03x | 10.08x | $-1.29 Million |
| 2017 | 8.32% | 22.84% | 0.03x | 12.79x | $-1.01 Million |
| 2018 | 10.02% | 25.26% | 0.03x | 13.48x | $13.80K |
| 2019 | 12.66% | 33.14% | 0.03x | 13.62x | $1.72 Million |
| 2020 | 12.95% | 27.34% | 0.03x | 18.79x | $2.07 Million |
| 2021 | 19.28% | 41.29% | 0.03x | 18.58x | $6.83 Million |
| 2022 | 24.94% | 40.02% | 0.03x | 20.65x | $10.40 Million |
| 2023 | 22.33% | 37.39% | 0.04x | 16.51x | $9.72 Million |
| 2024 | 15.57% | 28.57% | 0.03x | 17.62x | $4.71 Million |
Industry Comparison
This section compares CommerceWest Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CommerceWest Bank (CWBK) | $91.57 Million | 9.57% | 11.29x | $76.64 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |