Banks - Regional
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Side-by-side financial analysisStock Comparison
CWBC vs BANR vs KO vs JPM vs ICE
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Beverages - Non-Alcoholic
Banks - Diversified
Financial - Data & Stock Exchanges
CWBC vs BANR vs KO vs JPM vs ICE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Beverages - Non-Alcoholic | Banks - Diversified | Financial - Data & Stock Exchanges |
| Market Cap | $494M | $2.28B | $355.61B | $896.00B | $79.60B |
| Revenue (TTM) | $194M | $819M | $49.28B | $280.33B | $12.64B |
| Net Income (TTM) | $38M | $195M | $13.70B | $57.05B | $3.30B |
| Gross Margin | 72.5% | 79.0% | 61.7% | 60.0% | 61.9% |
| Operating Margin | 27.1% | 29.5% | 29.3% | 25.9% | 38.7% |
| Forward P/E | 11.9x | 10.9x | 25.3x | 14.4x | 17.3x |
| Total Debt | $143M | $373M | $45.49B | $942.38B | $20.28B |
| Cash & Equiv. | $119M | $183M | $10.27B | $343.34B | $837M |
CWBC vs BANR vs KO vs JPM vs ICE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Community West Banc… (CWBC) | 100 | 305.8 | +205.8% |
| Banner Corporation (BANR) | 100 | 176.9 | +76.9% |
| The Coca-Cola Compa… (KO) | 100 | 184.9 | +84.9% |
| JPMorgan Chase & Co. (JPM) | 100 | 341.0 | +241.0% |
| Intercontinental Ex… (ICE) | 100 | 153.4 | +53.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CWBC vs BANR vs KO vs JPM vs ICE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
CWBC has the current edge in this matchup, primarily because of its strength in growth exposure and defensive.
- Rev growth 18.5%, EPS growth 344.4%
- Beta 0.78, yield 1.9%, current ratio 1.63x
- NIM 3.7% vs JPM's 2.2%
- 18.5% NII/revenue growth vs BANR's -0.9%
BANR is the #2 pick in this set and the best alternative if income & stability is your priority.
- Dividend streak 1 yrs, beta 0.67, yield 2.9%
- Lower P/E (10.9x vs 17.3x), PEG 0.94 vs 1.95
- 2.9% yield, 1-year raise streak, vs KO's 2.5%
KO ranks third and is worth considering specifically for quality and efficiency.
- 27.8% margin vs CWBC's 19.7%
- 13.1% ROA vs CWBC's 1.1%, ROIC 15.8% vs 7.0%
JPM is the clearest fit if your priority is long-term compounding and valuation efficiency.
- 465.8% 10Y total return vs CWBC's 304.9%
- PEG 0.81 vs CWBC's 2.76
ICE is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 0.35, Low D/E 69.9%, current ratio 1.02x
- Beta 0.35 vs JPM's 0.94, lower leverage
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 18.5% NII/revenue growth vs BANR's -0.9% | |
| Value | Lower P/E (10.9x vs 17.3x), PEG 0.94 vs 1.95 | |
| Quality / Margins | 27.8% margin vs CWBC's 19.7% | |
| Stability / Safety | Beta 0.35 vs JPM's 0.94, lower leverage | |
| Dividends | 2.9% yield, 1-year raise streak, vs KO's 2.5% | |
| Momentum (1Y) | +40.9% vs ICE's -20.4% | |
| Efficiency (ROA) | 13.1% ROA vs CWBC's 1.1%, ROIC 15.8% vs 7.0% |
CWBC vs BANR vs KO vs JPM vs ICE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
CWBC vs BANR vs KO vs JPM vs ICE — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
BANR leads in 1 of 6 categories
KO leads 1 • JPM leads 1 • CWBC leads 0 • ICE leads 0 • 3 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
Evenly matched — CWBC and BANR and KO and JPM and ICE each lead in 1 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $280.3B annually — 1445.5x CWBC's $194M. KO is the more profitable business, keeping 27.8% of every revenue dollar as net income compared to CWBC's 19.7%.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $194M | $819M | $49.3B | $280.3B | $12.6B |
| EBITDAEarnings before interest/tax | $56M | $253M | $15.5B | $81.4B | $6.5B |
| Net IncomeAfter-tax profit | $38M | $195M | $13.7B | $57.0B | $3.3B |
| Free Cash FlowCash after capex | $44M | $248M | $12.6B | $100.9B | $4.3B |
| Gross MarginGross profit ÷ Revenue | +72.5% | +79.0% | +61.7% | +60.0% | +61.9% |
| Operating MarginEBIT ÷ Revenue | +27.1% | +29.5% | +29.3% | +25.9% | +38.7% |
| Net MarginNet income ÷ Revenue | +19.7% | +23.8% | +27.8% | +20.4% | +26.1% |
| FCF MarginFCF ÷ Revenue | +22.5% | +30.3% | +25.5% | +36.0% | +33.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | +12.1% | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +61.1% | +11.2% | +18.2% | +16.0% | +23.1% |
Valuation Metrics
BANR leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 11.9x trailing earnings, BANR trades at a 56% valuation discount to KO's 27.2x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 0.90x vs CWBC's 2.99x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $494M | $2.3B | $355.6B | $896.0B | $79.6B |
| Enterprise ValueMkt cap + debt − cash | $517M | $2.5B | $390.8B | $1.50T | $99.0B |
| Trailing P/EPrice ÷ TTM EPS | 12.88x | 11.92x | 27.18x | 16.00x | 24.36x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.89x | 10.92x | 25.27x | 14.40x | 17.34x |
| PEG RatioP/E ÷ EPS growth rate | 2.99x | 1.03x | 2.43x | 0.90x | 2.74x |
| EV / EBITDAEnterprise value multiple | 9.85x | 9.77x | 26.39x | 18.36x | 15.34x |
| Price / SalesMarket cap ÷ Revenue | 2.54x | 2.78x | 7.42x | 3.20x | 6.30x |
| Price / BookPrice ÷ Book value/share | 1.20x | 1.19x | 10.40x | 2.47x | 2.77x |
| Price / FCFMarket cap ÷ FCF | 11.32x | 9.19x | 67.15x | 8.88x | 18.56x |
Profitability & Efficiency
KO leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
KO delivers a 41.1% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $10 for CWBC. BANR carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. On the Piotroski fundamental quality scale (0–9), ICE scores 9/9 vs JPM's 5/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +9.8% | +10.3% | +41.1% | +15.9% | +11.6% |
| ROA (TTM)Return on assets | +1.1% | +1.2% | +13.1% | +1.3% | +2.3% |
| ROICReturn on invested capital | +7.0% | +7.7% | +15.8% | +4.5% | +7.5% |
| ROCEReturn on capital employed | +2.6% | +10.1% | +17.3% | +8.9% | +9.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 7 | 7 | 5 | 9 |
| Debt / EquityFinancial leverage | 0.35x | 0.19x | 1.33x | 2.60x | 0.70x |
| Net DebtTotal debt minus cash | $24M | $190M | $35.2B | $599.0B | $19.4B |
| Cash & Equiv.Liquid assets | $119M | $183M | $10.3B | $343.3B | $837M |
| Total DebtShort + long-term debt | $143M | $373M | $45.5B | $942.4B | $20.3B |
| Interest CoverageEBIT ÷ Interest expense | 1.06x | 1.11x | 10.70x | 0.74x | 6.53x |
Total Returns (Dividends Reinvested)
JPM leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JPM five years ago would be worth $21,820 today (with dividends reinvested), compared to $13,085 for ICE. Over the past 12 months, CWBC leads with a +40.9% total return vs ICE's -20.4%. The 3-year compound annual growth rate (CAGR) favors JPM at 33.6% vs ICE's 10.4% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +17.9% | +9.3% | +20.3% | -0.5% | -11.8% |
| 1-Year ReturnPast 12 months | +40.9% | +11.1% | +17.2% | +21.8% | -20.4% |
| 3-Year ReturnCumulative with dividends | +132.6% | +59.7% | +47.0% | +138.2% | +34.6% |
| 5-Year ReturnCumulative with dividends | +117.4% | +35.1% | +65.6% | +118.2% | +30.9% |
| 10-Year ReturnCumulative with dividends | +304.9% | +101.5% | +121.1% | +465.8% | +195.3% |
| CAGR (3Y)Annualised 3-year return | +32.5% | +16.9% | +13.7% | +33.6% | +10.4% |
Risk & Volatility
Evenly matched — CWBC and KO each lead in 1 of 2 comparable metrics.
Risk & Volatility
KO is the less volatile stock with a -0.20 beta — it tends to amplify market swings less than JPM's 0.94 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CWBC currently trades 99.8% from its 52-week high vs ICE's 74.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 0.67x | -0.20x | 0.94x | 0.35x |
| 52-Week HighHighest price in past year | $25.80 | $69.83 | $84.04 | $337.25 | $189.35 |
| 52-Week LowLowest price in past year | $17.98 | $57.05 | $65.35 | $262.71 | $136.67 |
| % of 52W HighCurrent price vs 52-week peak | +99.8% | +96.3% | +98.3% | +95.1% | +74.2% |
| RSI (14)Momentum oscillator 0–100 | 70.1 | 60.0 | 60.6 | 59.1 | 31.9 |
| Avg Volume (50D)Average daily shares traded | 254K | 218K | 12.7M | 7.0M | 3.2M |
Analyst Outlook
Evenly matched — BANR and KO each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: CWBC as "Buy", BANR as "Hold", KO as "Buy", JPM as "Buy", ICE as "Buy". Consensus price targets imply 38.0% upside for ICE (target: $194) vs -4.4% for BANR (target: $64). For income investors, BANR offers the higher dividend yield at 2.92% vs ICE's 1.38%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $29.75 | $64.25 | $86.13 | $339.75 | $194.00 |
| # AnalystsCovering analysts | 4 | 13 | 48 | 61 | 36 |
| Dividend YieldAnnual dividend ÷ price | +1.9% | +2.9% | +2.5% | +1.9% | +1.4% |
| Dividend StreakConsecutive years of raises | 0 | 1 | 56 | 15 | 13 |
| Dividend / ShareAnnual DPS | $0.48 | $1.96 | $2.04 | $5.95 | $1.93 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | +1.5% | +0.2% | +3.9% | +1.7% |
BANR leads in 1 of 6 categories (Valuation Metrics). KO leads in 1 (Profitability & Efficiency). 3 tied.
CWBC vs BANR vs KO vs JPM vs ICE: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is CWBC or BANR or KO or JPM or ICE a better buy right now?
For growth investors, Community West Bancshares (CWBC) is the stronger pick with 18.
5% revenue growth year-over-year, versus -0. 9% for Banner Corporation (BANR). Banner Corporation (BANR) offers the better valuation at 11. 9x trailing P/E (10. 9x forward), making it the more compelling value choice. Analysts rate Community West Bancshares (CWBC) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CWBC or BANR or KO or JPM or ICE?
On trailing P/E, Banner Corporation (BANR) is the cheapest at 11.
9x versus The Coca-Cola Company at 27. 2x. On forward P/E, Banner Corporation is actually cheaper at 10. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: JPMorgan Chase & Co. wins at 0. 81x versus Community West Bancshares's 2. 76x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — CWBC or BANR or KO or JPM or ICE?
Over the past 5 years, JPMorgan Chase & Co.
(JPM) delivered a total return of +118. 2%, compared to +30. 9% for Intercontinental Exchange, Inc. (ICE). Over 10 years, the gap is even starker: JPM returned +465. 8% versus BANR's +101. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CWBC or BANR or KO or JPM or ICE?
By beta (market sensitivity over 5 years), The Coca-Cola Company (KO) is the lower-risk stock at -0.
20β versus JPMorgan Chase & Co. 's 0. 94β — meaning JPM is approximately -571% more volatile than KO relative to the S&P 500. On balance sheet safety, Banner Corporation (BANR) carries a lower debt/equity ratio of 19% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — CWBC or BANR or KO or JPM or ICE?
By revenue growth (latest reported year), Community West Bancshares (CWBC) is pulling ahead at 18.
5% versus -0. 9% for Banner Corporation (BANR). On earnings-per-share growth, the picture is similar: Community West Bancshares grew EPS 344. 4% year-over-year, compared to 1. 5% for JPMorgan Chase & Co.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CWBC or BANR or KO or JPM or ICE?
The Coca-Cola Company (KO) is the more profitable company, earning 27.
3% net margin versus 19. 6% for Community West Bancshares — meaning it keeps 27. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ICE leads at 38. 7% versus 26. 0% for JPM. At the gross margin level — before operating expenses — BANR leads at 79. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CWBC or BANR or KO or JPM or ICE more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, JPMorgan Chase & Co. (JPM) is the more undervalued stock at a PEG of 0. 81x versus Community West Bancshares's 2. 76x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Banner Corporation (BANR) trades at 10. 9x forward P/E versus 25. 3x for The Coca-Cola Company — 14. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ICE: 38. 0% to $194. 00.
08Which pays a better dividend — CWBC or BANR or KO or JPM or ICE?
All stocks in this comparison pay dividends.
Banner Corporation (BANR) offers the highest yield at 2. 9%, versus 1. 4% for Intercontinental Exchange, Inc. (ICE).
09Is CWBC or BANR or KO or JPM or ICE better for a retirement portfolio?
For long-horizon retirement investors, The Coca-Cola Company (KO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.
20), 2. 5% yield, +121. 1% 10Y return). Both have compounded well over 10 years (KO: +121. 1%, JPM: +465. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CWBC and BANR and KO and JPM and ICE?
These companies operate in different sectors (CWBC (Financial Services) and BANR (Financial Services) and KO (Consumer Defensive) and JPM (Financial Services) and ICE (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: CWBC is a small-cap high-growth stock; BANR is a small-cap deep-value stock; KO is a large-cap quality compounder stock; JPM is a large-cap deep-value stock; ICE is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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