On the stock market since 1980, it operates in the world of money and finance. It has 36 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 24% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Sales are growing strongly for its sector.
Clearly above the class average — a step short of the very top.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 12% off the top. A pullback, not a collapse.
The net profit margin is 46% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 40% a year on average.
Over the last 12 months, company executives reported 15 buys and 7 sells. Management buying with its own money is usually read as a good sign.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 10/100.
On our five-subject report card, CSWC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: CSWC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.