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Commencement Bancorp Inc. (CBWA)

USD18.15 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 1102 Commerce Street 98402
Tacoma, WA, US
CEO John E. Manolides
IPO 2015-06-02
ISIN US20051D1072

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Description

Commencement Bancorp Inc. functions as the parent entity for Commencement Bank, delivering a comprehensive array of financial products and services. These offerings are designed for individual customers, as well as small and medium-sized enterprises across western Washington. The bank accepts various deposit types, including non-interest-bearing, demand, savings, NOW, money market, and time accounts, alongside certificates of deposit. Its lending options span term loans, home equity loans and lines of credit, personal reserve overdraft facilities, and a wide spectrum of commercial real estate financing, encompassing residential (1-4 family), multi-family, commercial, construction, and land projects. Additionally, the company provides government-guaranteed and other specialized loans, coupled with credit/debit card services and ATM access. Founded in 2006 and headquartered in Tacoma, Washington, the bank maintains four branches situated in Tacoma, Enumclaw, Auburn, and Olympia.

News Sentiment (7d)
24 Negative

Based on only 1 article — low confidence

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD18.15 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
5.1K
Beta
0.13
Float Shares
4.02M
Free Float %
106.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.30% +0.72% +2.30% -2.60% +6.16% +1.32% +38.02% +79.57% +25.32% +107.37% +54.16%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
18.15
DCF (Unlevered) 22.84 +25.8%
DCF (Levered) 20.97 +15.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
-0.68
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +20.6% Q1'26: +12.6% (vs Q1'25)
  • EPS growth
    +131.2% Q1'26: +29.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +21.5% (vs Q1'25)
  • ROIC
    Q1'26: -16.0% (vs Q1'25)
  • Share dilution
    -4.0% Q1'26: -3.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.12) × ERP
WACC = 89% × Ke + 11% × Kd (115.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 22.84 Current price: 18.15
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-22 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-21 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-20 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-15 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-07 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-05-06 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-05-05 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-01 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-04-28 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-04-27 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-04-22 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.17M
OE per share TTM
0.30
Owner's Yield
1.83%
Maintenance CapEx ratio
25.18%
Maint CapEx / Avg PPE
30.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
104.3K
Shares Outstanding
3.77M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Brandi Parker Executive Vice President & Chief Financial Officer female
Harald R. Russell Founder & Chairman of the Board male
John E. Manolides CEO & Director male
Mandie Ereth Senior Vice President and Finance & Accounting Manager
Nigel L. English President, Chief Operating Officer & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend history

Earnings history

Earnings reports

Stock splits