CA
NZ
UK
AU
IND
US
…
Commencement Bancorp Inc. operates as a bank holding company for Commencement Bank that provides various banking products and services for individuals, and small and midsized businesses in western Washington. The company accepts checking, demand, savings, NOW, money market, and time deposits, as well as certificates of deposit and individual retirement accounts. It also offers term loans, home equity loans and lines of credit, and reserve overdraft lines; real estate loans, including residential 1-4 family, multi-family, commercial, and construction and land loans; business lines of credit; government backed loans; sweep accounts; and credit cards. In addition, the company provides remote deposit capture, lockbox remittance processing, positive pay, and automated clearing house origination services, as well as merchant services, debit cards, ATM services, and online and mobile banking services. It operates branches in Tacoma, Enumclaw, Auburn, Olympia, and Gig Harbo, Washington. The company was founded in 2006 and is based in Tacoma, Washington.
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Commencement Bancorp, Inc. appears to be the holding company for Commencement Bank, a regional community bank providing retail and commercial banking services. Long-term growth may be supported by local economic activity, organic loan and deposit expansion and fee income, which could support net interest income and make it a way to gain exposure to a relationship-driven local banking franchise.
Principal risks include interest-rate sensitivity and net interest margin pressure, credit losses from commercial and real-estate lending, competitive and regulatory pressures facing smaller banks, and limited liquidity and disclosure as an OTC-listed issuer.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 8.35M | 3.63M | 3.68M | 6.74M | 5.20M |
| Net income | 6.71M | 3.01M | 3.05M | 5.49M | 4.19M |
| Selling general administrative | 12.18M | 11.23M | 10.07M | 7.87M | 7.15M |
| Reconciled depreciation | 1.08M | 0.88M | 0.88M | 0.88M | 1.00M |
| Other operating expenses | - | - | - | 3.15M | 2.66M |
| Interest expense | 9.19M | 10.32M | 8.08M | 1.42M | 1.43M |
| Tax provision | 1.64M | 0.62M | 0.63M | 1.25M | 1.01M |
| Interest income | 34.60M | 29.69M | 26.29M | 19.71M | 19.08M |
| Net interest income | 25.40M | 19.37M | 18.21M | 18.29M | 17.65M |
| Income tax expense | - | - | - | 1.25M | 1.01M |
| Total revenue | 27.48M | 20.09M | 19.65M | 19.93M | 18.69M |
| Net income from continuing ops | 6.71M | 3.01M | 3.05M | 5.49M | 4.19M |
| Net income applicable to common shares | - | - | - | 5.49M | 4.19M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 683.02M | 649.69M | 586.19M | 580.76M | 531.44M |
| Other current assets | - | - | - | 1.53M | 1.08M |
| Total liab | 622.82M | 598.27M | 536.08M | 534.11M | 477.82M |
| Total stockholder equity | 60.20M | 51.42M | 50.11M | 46.66M | 53.62M |
| Common stock | - | - | - | 3.97M | 4.08M |
| Capital stock | 3.73M | 3.81M | 3.97M | 3.97M | 4.08M |
| Retained earnings | 24.17M | 17.47M | 15.24M | 12.19M | 6.70M |
| Other liab | - | - | - | 2.94M | 3.47M |
| Other assets | - | - | - | 446.92M | 358.40M |
| Cash | 20.31M | 58.32M | 12.86M | 13.51M | 18.64M |
| Total current liabilities | - | - | - | 530.00M | 472.05M |
| Net debt | - | - | - | 13.34M | - |
| Other stockholder equity | - | - | - | -12.34M | -1.06M |
| Property plant equipment | - | - | - | 5.63M | 6.40M |
| Total current assets | - | - | - | 15.05M | 64.24M |
| Long term investments | 82.84M | 83.76M | 101.29M | 110.04M | 100.32M |
| Net tangible assets | - | - | - | 45.43M | 52.36M |
| Short term investments | 82.84M | 83.76M | 101.29M | 110.04M | 100.32M |
| Net receivables | 2.31M | 1.78M | 2.07M | 1.53M | 1.08M |
| Long term debt | - | - | - | 26.85M | - |
| Accounts payable | 0.49M | 0.50M | 0.37M | 502.48M | 472.03M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 11.36M | 10.45M | -2.23M | -22.29M | -53.02M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | - | - | - | -106.71M | 12.08M |
| Net borrowings | 0.00M | 0.00M | -26.85M | 26.85M | 26.85M |
| Total cash from financing activities | 16.88M | 58.21M | 1.77M | 55.79M | 0.93M |
| Change to operating activities | - | - | - | -0.38M | -0.48M |
| Net income | 6.71M | 3.01M | 3.05M | 5.49M | 4.19M |
| Change in cash | -32.25M | 49.81M | 3.51M | -47.65M | 20.67M |
| Begin period cash flow | 64.10M | 14.29M | 10.78M | 58.43M | 37.76M |
| End period cash flow | 31.85M | 64.10M | 14.29M | 10.78M | 58.43M |
| Total cash from operating activities | 1.73M | 4.78M | 3.98M | 3.27M | 7.66M |
| Issuance of capital stock | 0.11M | 0.13M | 0.12M | 0.14M | 0.14M |
| Depreciation | 1.08M | 0.88M | 0.88M | 0.88M | 1.00M |
| Other cashflows from investing activities | - | - | - | -1.16M | -0.17M |
| Dividends paid | 0.00M | -0.79M | - | - | - |
| Change to account receivables | -0.53M | 0.29M | -0.53M | -0.46M | 0.82M |
| Sale purchase of stock | -1.45M | -1.89M | -0.21M | -1.70M | -1.58M |
| Other cashflows from financing activities | - | - | - | 30.45M | 2.32M |
| Change to netincome | - | - | - | -2.27M | 2.14M |
| Capital expenditures | 1.43M | 1.33M | 0.26M | 0.08M | 0.05M |
| Change in working capital | -0.54M | 0.42M | -0.20M | -0.44M | 0.80M |
| Stock based compensation | 0.60M | 0.40M | 0.42M | 0.33M | 0.24M |
| Other non cash items | -7.34M | -0.77M | -0.24M | -3.59M | -1.08M |
| Free cash flow | 0.30M | 3.45M | 3.73M | 3.19M | 7.61M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CBWA Commencement Bancorp Inc |
- -% |
19.10 | 9.63 | - | 2.37 | 1.04 | 2.28 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Commencement Bancorp Inc. operates as a bank holding company for Commencement Bank that provides various banking products and services for individuals, and small and midsized businesses in western Washington. The company accepts checking, demand, savings, NOW, money market, and time deposits, as well as certificates of deposit and individual retirement accounts. It also offers term loans, home equity loans and lines of credit, and reserve overdraft lines; real estate loans, including residential 1-4 family, multi-family, commercial, and construction and land loans; business lines of credit; government backed loans; sweep accounts; and credit cards. In addition, the company provides remote deposit capture, lockbox remittance processing, positive pay, and automated clearing house origination services, as well as merchant services, debit cards, ATM services, and online and mobile banking services. It operates branches in Tacoma, Enumclaw, Auburn, Olympia, and Gig Harbo, Washington. The company was founded in 2006 and is based in Tacoma, Washington.
| Name | Title | Year Born |
|---|---|---|
| Mr. Harald R. Russell | Founder & Chairman | 1955 |
| Mr. John E. Manolides | Chief Exec. Officer | 1964 |
| Mr. Thomas L. Dhamers | Sec. | NA |
| Mr. Harald R. Russell | Founder & Chairman of the Board | 1955 |
| Mr. John E. Manolides | President, CEO & Director | 1963 |
| Ms. Brandi Parker | Executive VP & CFO | NA |
| Mandie Ereth | Senior VP and Finance & Accounting Manager | NA |
| Mr. Thomas L. Dhamers | Secretary | NA |
| Mr. John E. Manolides | CEO & Director | 1964 |
| Mr. Nigel L. English | President, COO & Director | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
Download a free report with stock ideas and industry insights for general information.
Download Free Report Now →
Basic Materials
-1.82%
Communication Services
-0.22%
Consumer Cyclical
-0.13%
Consumer Defensive
+0.32%
Energy
+0.15%
Financial Services
-0.85%
Financials
+2.34%
Healthcare
-1.28%
Industrials
-0.96%
Real Estate
-0.38%
Technology
-2.73%
Utilities
-0.31%
Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
Portfolio
Watchlist
Please wait processing your request...