Canadian Western Bank Logo

Canadian Western Bank

CWB.TO

(3.0)
Stock Price

53,51 CAD

0.81% ROA

8.57% ROE

8.59x PER

Market Cap.

2.917.163.262,00 CAD

196.7% DER

2.15% Yield

22.37% NPM

Canadian Western Bank Stock Analysis

Canadian Western Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Canadian Western Bank Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.71x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 ROE

The stock's ROE falls within an average range (8.89%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.81%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (95), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 DER

The stock is burdened with a heavy load of debt (197%), making it financially unstable and potentially risky for investors.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Canadian Western Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Canadian Western Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Canadian Western Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Canadian Western Bank Revenue
Year Revenue Growth
1996 55.432.277
1997 60.900.000 8.98%
1998 70.490.217 13.61%
1999 86.216.272 18.24%
2000 93.722.000 8.01%
2001 111.355.000 15.83%
2002 118.711.000 6.2%
2003 138.589.000 14.34%
2004 158.827.000 12.74%
2005 194.141.000 18.19%
2006 217.692.000 10.82%
2007 268.070.000 18.79%
2008 293.186.000 8.57%
2009 320.119.000 8.41%
2010 418.788.000 23.56%
2011 475.986.000 12.02%
2012 518.828.000 8.26%
2013 564.345.000 8.07%
2014 618.929.000 8.82%
2015 610.782.000 -1.33%
2016 657.896.000 7.16%
2017 726.635.000 9.46%
2018 803.358.000 9.55%
2019 861.604.000 6.76%
2020 897.395.000 3.99%
2021 1.016.033.000 11.68%
2022 1.076.287.000 5.6%
2023 1.167.052.000 7.78%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Canadian Western Bank Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Canadian Western Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 17.441.620
1997 19.000.000 8.2%
1998 21.366.723 11.08%
1999 30.376.197 29.66%
2000 27.207.000 -11.65%
2001 30.469.000 10.71%
2002 34.585.000 11.9%
2003 37.680.000 8.21%
2004 45.998.000 18.08%
2005 56.608.000 18.74%
2006 64.759.000 12.59%
2007 76.506.000 15.35%
2008 87.660.000 12.72%
2009 104.105.000 15.8%
2010 123.972.000 16.03%
2011 141.865.000 12.61%
2012 153.844.000 7.79%
2013 175.180.000 12.18%
2014 187.871.000 6.76%
2015 196.510.000 4.4%
2016 209.162.000 6.05%
2017 225.510.000 7.25%
2018 245.440.000 8.12%
2019 264.904.000 7.35%
2020 286.359.000 7.49%
2021 330.824.000 13.44%
2022 353.859.000 6.51%
2023 467.468.000 24.3%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Canadian Western Bank EBITDA
Year EBITDA Growth
1996 108.759.529
1997 104.600.000 -3.98%
1998 125.304.845 16.52%
1999 141.655.341 11.54%
2000 172.311.000 17.79%
2001 198.253.000 13.09%
2002 168.446.000 -17.7%
2003 194.618.000 13.45%
2004 192.785.000 -0.95%
2005 223.587.000 13.78%
2006 315.588.000 29.15%
2007 435.639.000 27.56%
2008 492.737.000 11.59%
2009 440.896.000 -11.76%
2010 464.890.000 5.16%
2011 526.745.000 11.74%
2012 562.917.000 6.43%
2013 600.608.000 6.28%
2014 668.972.000 10.22%
2015 772.735.000 13.43%
2016 657.662.000 -17.5%
2017 726.346.000 9.46%
2018 890.396.000 18.42%
2019 421.903.000 -111.04%
2020 418.062.000 -0.92%
2021 538.267.000 22.33%
2022 1.151.290.000 53.25%
2023 518.568.000 -122.01%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Canadian Western Bank Gross Profit
Year Gross Profit Growth
1996 55.432.277
1997 60.900.000 8.98%
1998 70.490.217 13.61%
1999 86.216.272 18.24%
2000 93.722.000 8.01%
2001 111.355.000 15.83%
2002 118.711.000 6.2%
2003 138.589.000 14.34%
2004 158.827.000 12.74%
2005 194.141.000 18.19%
2006 217.692.000 10.82%
2007 268.070.000 18.79%
2008 293.186.000 8.57%
2009 320.119.000 8.41%
2010 418.788.000 23.56%
2011 475.986.000 12.02%
2012 518.828.000 8.26%
2013 564.345.000 8.07%
2014 618.929.000 8.82%
2015 610.782.000 -1.33%
2016 657.896.000 7.16%
2017 726.635.000 9.46%
2018 803.358.000 9.55%
2019 861.604.000 6.76%
2020 897.395.000 3.99%
2021 1.016.033.000 11.68%
2022 1.076.287.000 5.6%
2023 1.167.052.000 7.78%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Canadian Western Bank Net Profit
Year Net Profit Growth
1996 12.830.617
1997 15.800.000 18.79%
1998 18.970.454 16.71%
1999 19.950.045 4.91%
2000 26.949.000 25.97%
2001 30.145.000 10.6%
2002 29.612.000 -1.8%
2003 38.193.000 22.47%
2004 44.161.000 13.51%
2005 54.391.000 18.81%
2006 72.007.000 24.46%
2007 96.282.000 25.21%
2008 102.019.000 5.62%
2009 106.285.000 4.01%
2010 163.621.000 35.04%
2011 178.149.000 8.15%
2012 187.405.000 4.94%
2013 202.382.000 7.4%
2014 230.059.000 12.03%
2015 325.201.000 29.26%
2016 188.373.000 -72.64%
2017 228.527.000 17.57%
2018 263.506.000 13.27%
2019 286.794.000 8.12%
2020 270.582.000 -5.99%
2021 356.963.000 24.2%
2022 336.896.000 -5.96%
2023 335.848.000 -0.31%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Canadian Western Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 0
1997 0 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 2 100%
2008 2 0%
2009 2 0%
2010 2 50%
2011 2 0%
2012 2 0%
2013 2 0%
2014 3 0%
2015 4 33.33%
2016 2 -50%
2017 2 0%
2018 3 0%
2019 3 33.33%
2020 3 -50%
2021 4 33.33%
2022 3 0%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Canadian Western Bank Free Cashflow
Year Free Cashflow Growth
1996 -10.324.637
1997 16.100.000 164.13%
1998 32.249.772 50.08%
1999 29.774.689 -8.31%
2000 28.850.000 -3.21%
2001 39.703.000 27.34%
2002 26.753.000 -48.41%
2003 45.153.000 40.75%
2004 24.603.000 -83.53%
2005 101.663.000 75.8%
2006 109.844.000 7.45%
2007 135.661.000 19.03%
2008 106.857.000 -26.96%
2009 99.957.000 -6.9%
2010 204.959.000 51.23%
2011 226.732.000 9.6%
2012 230.834.000 1.78%
2013 -115.206.000 300.37%
2014 -73.076.000 -57.65%
2015 352.135.000 120.75%
2016 -268.685.000 231.06%
2017 -67.308.000 -299.19%
2018 -840.012.000 91.99%
2019 -29.081.000 -2788.53%
2020 805.660.000 103.61%
2021 744.685.000 -8.19%
2022 1.092.815.000 31.86%
2023 236.324.000 -362.42%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Canadian Western Bank Operating Cashflow
Year Operating Cashflow Growth
1996 7.116.983
1997 19.100.000 62.74%
1998 35.944.019 46.86%
1999 32.882.485 -9.31%
2000 34.189.000 3.82%
2001 44.057.000 22.4%
2002 27.670.000 -59.22%
2003 47.535.000 41.79%
2004 32.436.000 -46.55%
2005 107.529.000 69.84%
2006 119.172.000 9.77%
2007 142.673.000 16.47%
2008 119.384.000 -19.51%
2009 114.766.000 -4.02%
2010 226.038.000 49.23%
2011 245.773.000 8.03%
2012 258.420.000 4.89%
2013 -87.702.000 394.66%
2014 -34.864.000 -151.55%
2015 393.288.000 108.86%
2016 -230.178.000 270.86%
2017 -38.462.000 -498.46%
2018 -795.809.000 95.17%
2019 19.988.000 4081.43%
2020 860.479.000 97.68%
2021 800.716.000 -7.46%
2022 1.192.067.000 32.83%
2023 262.890.000 -353.45%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Canadian Western Bank Capital Expenditure
Year Capital Expenditure Growth
1996 17.441.620
1997 3.000.000 -481.39%
1998 3.694.247 18.79%
1999 3.107.796 -18.87%
2000 5.339.000 41.79%
2001 4.354.000 -22.62%
2002 917.000 -374.81%
2003 2.382.000 61.5%
2004 7.833.000 69.59%
2005 5.866.000 -33.53%
2006 9.328.000 37.11%
2007 7.012.000 -33.03%
2008 12.527.000 44.02%
2009 14.809.000 15.41%
2010 21.079.000 29.75%
2011 19.041.000 -10.7%
2012 27.586.000 30.98%
2013 27.504.000 -0.3%
2014 38.212.000 28.02%
2015 41.153.000 7.15%
2016 38.507.000 -6.87%
2017 28.846.000 -33.49%
2018 44.203.000 34.74%
2019 49.069.000 9.92%
2020 54.819.000 10.49%
2021 56.031.000 2.16%
2022 99.252.000 43.55%
2023 26.566.000 -273.61%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Canadian Western Bank Equity
Year Equity Growth
1996 102.845.418
1997 128.500.000 19.96%
1998 145.074.058 11.42%
1999 160.001.360 9.33%
2000 195.195.000 18.03%
2001 252.262.000 22.62%
2002 278.087.000 9.29%
2003 316.231.000 12.06%
2004 367.589.000 13.97%
2005 457.990.000 19.74%
2006 519.530.000 11.85%
2007 595.493.000 12.76%
2008 679.148.000 12.32%
2009 986.499.000 31.16%
2010 1.148.043.000 14.07%
2011 1.293.566.000 11.25%
2012 1.464.981.000 11.7%
2013 1.605.427.000 8.75%
2014 1.693.527.000 5.2%
2015 1.910.907.000 11.38%
2016 2.342.040.000 18.41%
2017 2.461.045.000 4.84%
2018 2.588.503.000 4.92%
2019 2.947.682.000 12.19%
2020 3.332.400.000 11.54%
2021 3.533.885.000 5.7%
2022 3.732.976.000 5.33%
2023 4.026.667.000 7.29%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Canadian Western Bank Assets
Year Assets Growth
1996 1.758.295.783
1997 2.023.000.000 13.08%
1998 2.382.788.973 15.1%
1999 2.699.170.801 11.72%
2000 3.055.603.000 11.66%
2001 3.439.568.000 11.16%
2002 3.828.162.000 10.15%
2003 4.343.972.000 11.87%
2004 4.918.895.000 11.69%
2005 5.705.028.000 13.78%
2006 7.268.360.000 21.51%
2007 9.525.040.000 23.69%
2008 10.600.732.000 10.15%
2009 11.635.872.000 8.9%
2010 12.806.870.000 9.14%
2011 14.877.260.000 13.92%
2012 16.873.269.000 11.83%
2013 18.520.260.000 8.89%
2014 20.608.656.000 10.13%
2015 22.838.527.000 9.76%
2016 25.222.549.000 9.45%
2017 26.447.453.000 4.63%
2018 29.021.463.000 8.87%
2019 31.424.235.000 7.65%
2020 33.937.865.000 7.41%
2021 37.323.176.000 9.07%
2022 41.440.143.000 9.93%
2023 42.320.103.000 2.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Canadian Western Bank Liabilities
Year Liabilities Growth
1996 1.655.450.366
1997 1.894.500.000 12.62%
1998 2.237.714.915 15.34%
1999 2.539.169.442 11.87%
2000 2.860.408.000 11.23%
2001 3.187.306.000 10.26%
2002 3.550.075.000 10.22%
2003 4.027.741.000 11.86%
2004 4.551.306.000 11.5%
2005 5.247.038.000 13.26%
2006 6.748.830.000 22.25%
2007 8.929.547.000 24.42%
2008 9.921.584.000 10%
2009 10.649.373.000 6.83%
2010 11.553.648.000 7.83%
2011 13.478.469.000 14.28%
2012 15.303.044.000 11.92%
2013 16.808.771.000 8.96%
2014 18.914.063.000 11.13%
2015 20.926.628.000 9.62%
2016 22.879.736.000 8.54%
2017 23.983.611.000 4.6%
2018 26.432.960.000 9.27%
2019 28.476.553.000 7.18%
2020 30.605.465.000 6.96%
2021 33.789.291.000 9.42%
2022 37.707.167.000 10.39%
2023 38.293.436.000 1.53%

Canadian Western Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.31
Net Income per Share
3.53
Price to Earning Ratio
8.59x
Price To Sales Ratio
2.68x
POCF Ratio
9.32
PFCF Ratio
13.82
Price to Book Ratio
0.74
EV to Sales
9.63
EV Over EBITDA
6.66
EV to Operating CashFlow
33.52
EV to FreeCashFlow
49.65
Earnings Yield
0.12
FreeCashFlow Yield
0.07
Market Cap
2,92 Bil.
Enterprise Value
10,48 Bil.
Graham Number
56.95
Graham NetNet
-78.59

Income Statement Metrics

Net Income per Share
3.53
Income Quality
0.92
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.74
EBT Per Ebit
0.7
Ebit per Revenue
0.44
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.34
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.44
Pretax Profit Margin
0.3
Net Profit Margin
0.22

Dividends

Dividend Yield
0.02
Dividend Yield %
2.15
Payout Ratio
0.41
Dividend Per Share
0.65

Operating Metrics

Operating Cashflow per Share
3.25
Free CashFlow per Share
2.19
Capex to Operating CashFlow
-0.32
Capex to Revenue
-0.09
Capex to Depreciation
-1.28
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-1.06

Balance Sheet

Cash per Share
1,83
Book Value per Share
40,89
Tangible Book Value per Share
354.46
Shareholders Equity per Share
40.89
Interest Debt per Share
91.21
Debt to Equity
1.97
Debt to Assets
0.18
Net Debt to EBITDA
4.81
Current Ratio
0
Tangible Asset Value
34,12 Bil.
Net Current Asset Value
-7,57 Bil.
Invested Capital
1.97
Working Capital
0,18 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.65

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Canadian Western Bank Dividends
Year Dividends Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 0 0%
2006 1 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Canadian Western Bank Profile

About Canadian Western Bank

Canadian Western Bank provides personal and business banking products and services primarily in Western Canada. The company offers current, savings, cash management, US dollar, and chequing accounts, as well as organization, strata solution/condo, general trust, and trust fund investment accounts. It also offers commercial lending and real estate, and equipment financing and leasing products; loans and mortgages; secured and unsecured lines of credit; registered retirement savings plan; consolidation, vehicle, and recreation vehicle loans; and credit cards. In addition, the company offers cash management services; life and disability insurance products; and ATM, mobile, and online banking services, as well cheque order services. Further, it provides investment products comprising guaranteed investment certificates, registered retirement income funds, tax-free savings accounts, registered education savings plans, and mutual funds, as well as personal and business planning services. Canadian Western Bank was founded in 1984 and is headquartered in Edmonton, Canada.

CEO
Mr. Christopher H. Fowler M.A.
Employee
2.734
Address
10303 Jasper Avenue NW
Edmonton, T5J 3X6

Canadian Western Bank Executives & BODs

Canadian Western Bank Executives & BODs
# Name Age
1 Ms. Monique M. Petrin Nicholson
Senior Vice President, Gen. Counsel & Corporation Sec.
70
2 Mr. Christopher H. Fowler M.A.
Pres, Chief Executive Officer & Director
70
3 Ms. Carolyn J. Graham F.C.A., FCA, FCPA, ICD.D.
Senior Executive Vice President
70
4 Mr. Mario V. Furlan
Senior Vice President of Real Estate - BC Region
70
5 Mr. Patrick Gallagher
Vice President of Strategy & Investor Relations
70
6 Mr. Azfar Karimuddin M.B.A.
Chief Information Officer
70
7 David Robert Parkatti
Vice President, Acting Gen. Counsel & Corporation Sec.
70
8 Mr. Vladimir Ahmad
Senior Vice President of Operations & Bus. Transformation
70
9 Angela Saveraux M.B.A.
Assistant Vice President of Marketing & PR
70
10 Mr. Stephen H. E. Murphy M.B.A.
Group Head of Commercial, Personal & Wealth
70
11 Mr. Robin Matthew Rudd C.A., CPA
Chief Financial Officer
70
12 Ms. M. Carolina Parra M.B.A.
Chief Risk Officer
70
13 Ms. Kelly S. Blackett
Chief People & Culture Officer
70

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