CBWA

Commencement Bancorp Inc.

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Price alert · CBWA

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19.10 USD 0.00 0.00%
As of Oct 30, 2026
19.10 Day range 19.11
13.75 52-week range 19.30
YTD
+14.65%
1 year
+38.91%
Open
19.11
Prev close
19.10
Mkt cap
71.11M
Vol
300
Avg vol
1.76K
EPS
1.93
P/E
9.90
More statistics
Low
19.10
High
19.11

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Financial health

Altman Z-Score

0.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 4
  • P/B 3

Valuation

P/E 9.4×
FY 2016: 22.9×FY 2017: 25.4×FY 2018: 11.6×FY 2019: 12.3×FY 2020: 11.8×FY 2021: 13.4×FY 2022: 8.4×FY 2023: 13.0×FY 2024: 16.3×FY 2025: 9.4×
FY 2016 5y median 13.0× FY 2025
P/S 1.7×
FY 2016: 2.9×FY 2017: 3.6×FY 2018: 3.5×FY 2019: 3.2×FY 2020: 2.5×FY 2021: 2.8×FY 2022: 2.2×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.0×
FY 2016: 0.8×FY 2017: 1.4×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 203×
FY 2016: 0.0×FY 2017: 16.0×FY 2018: 11.2×FY 2019: 15.9×FY 2020: 8.8×FY 2021: 7.4×FY 2022: 14.5×FY 2023: 10.7×FY 2024: 14.2×FY 2025: 203×
FY 2016 5y median 14.2× FY 2025
EV/EBITDA 7.4×
FY 2016: -1.7×FY 2017: 6.1×FY 2018: 3.6×FY 2019: 2.3×FY 2020: -0.0×FY 2021: 6.8×FY 2022: 7.8×FY 2023: 6.4×FY 2024: -3.5×FY 2025: 7.4×
FY 2016 5y median 6.8× FY 2025
EV/Sales 1.7×
FY 2016: -0.4×FY 2017: 2.1×FY 2018: 1.4×FY 2019: 0.9×FY 2020: -0.0×FY 2021: 2.1×FY 2022: 2.8×FY 2023: 1.1×FY 2024: -0.4×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
FCF Yield 0.5%
FY 2016: 0.0%FY 2017: 6.3%FY 2018: 8.9%FY 2019: 6.3%FY 2020: 11.3%FY 2021: 13.6%FY 2022: 6.9%FY 2023: 9.4%FY 2024: 7.0%FY 2025: 0.5%
FY 2016 5y median 7.0% FY 2025

Profitability

Gross Margin 72.4%
FY 2016: 90.7%FY 2017: 87.8%FY 2018: 89.0%FY 2019: 83.7%FY 2020: 81.3%FY 2021: 81.0%FY 2022: 92.0%FY 2023: 70.7%FY 2024: 67.5%FY 2025: 72.4%
FY 2016 5y median 72.4% FY 2025
Operating Margin 22.8%
FY 2016: 19.5%FY 2017: 30.5%FY 2018: 37.6%FY 2019: 32.2%FY 2020: 26.5%FY 2021: 25.9%FY 2022: 31.6%FY 2023: 13.3%FY 2024: 24.2%FY 2025: 22.8%
FY 2016 5y median 24.2% FY 2025
Net Margin 18.3%
FY 2016: 12.6%FY 2017: 14.2%FY 2018: 29.8%FY 2019: 26.3%FY 2020: 21.1%FY 2021: 20.8%FY 2022: 25.7%FY 2023: 11.0%FY 2024: 9.9%FY 2025: 18.3%
FY 2016 5y median 18.3% FY 2025
ROE 11.1%
FY 2016: 3.4%FY 2017: 5.7%FY 2018: 11.9%FY 2019: 10.0%FY 2020: 7.8%FY 2021: 7.8%FY 2022: 11.8%FY 2023: 6.1%FY 2024: 5.9%FY 2025: 11.1%
FY 2016 5y median 7.8% FY 2025
ROIC 1.0%
FY 2016: 2.7%FY 2017: 4.8%FY 2018: 11.1%FY 2019: 8.9%FY 2020: 6.9%FY 2021: 7.1%FY 2022: 5.2%FY 2023: 5.6%FY 2024: 4.6%FY 2025: 1.0%
FY 2016 5y median 5.2% FY 2025
ROA 1.0%
FY 2016: 0.3%FY 2017: 0.6%FY 2018: 1.4%FY 2019: 1.2%FY 2020: 0.8%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 0.5%FY 2024: 0.5%FY 2025: 1.0%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 20.6%
FY 2016: 23.4%FY 2017: 58.4%FY 2018: 13.3%FY 2019: 7.9%FY 2020: 4.7%FY 2021: 5.5%FY 2022: 6.1%FY 2023: 29.9%FY 2024: 9.7%FY 2025: 20.6%
FY 2016 FY 2025
Operating Income 13.2%
FY 2016: 10.8%FY 2017: 148.6%FY 2018: 39.3%FY 2019: -7.4%FY 2020: -13.9%FY 2021: 2.9%FY 2022: 29.6%FY 2023: -45.4%FY 2024: 100.4%FY 2025: 13.2%
FY 2016 FY 2025
EPS (diluted) 131.2%
FY 2016: -4.8%FY 2017: 25.0%FY 2018: 140.0%FY 2019: -3.3%FY 2020: -18.1%FY 2021: 4.2%FY 2022: 36.4%FY 2023: -43.7%FY 2024: 1.3%FY 2025: 131.2%
FY 2016 FY 2025
Free Cash Flow -91.2%
FY 2016: -100.0%FY 2017: 0.0%FY 2018: 55.0%FY 2019: -29.3%FY 2020: 46.1%FY 2021: 40.8%FY 2022: -58.1%FY 2023: 16.8%FY 2024: -7.4%FY 2025: -91.2%
FY 2016 FY 2025

Financial Health

Current Ratio 14.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 14.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 14.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 14.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.6×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -0.1×
FY 2016: -15.3×FY 2017: -4.7×FY 2018: -5.1×FY 2019: -6.4×FY 2020: -8.0×FY 2021: -2.3×FY 2022: 1.7×FY 2023: -2.3×FY 2024: -17.0×FY 2025: -0.1×
FY 2016 5y median -2.3× FY 2025
Interest Coverage 0.9×
FY 2016: 2.1×FY 2017: 3.9×FY 2018: 4.0×FY 2019: 2.2×FY 2020: 2.1×FY 2021: 3.6×FY 2022: 4.7×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 1.6%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 26.1%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31