Community West Bancshares CWBC R2K

Financial Services · Banks - Regional · United States

https://www.communitywestbank.com

Community West Bancshares operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. It also provides products, such as commercial and industrial loans, as well as loans secured by crop production and livestock; commercial real estate construction and other land loans, real estate collateral secured by commercial or professional properties with repayment arising from the owner's business cash flows, investor commercial real estate loans, farmland, and multi-family loans; 1-4 family close-ended, revolving real estate loans, and residential construction loans; manufactured housing loans; and equity loans, lines of credit, and installment and other consumer loans. In addition, the company offers domestic and international wire transfer, inquiry, account status, bill paying, account transfers, cash management, and other customary banking services. The company was formerly known as Central Valley Community Bancorp and changed its name to Community West Bancshares in November 2000. Community West Bancshares was founded in 1979 and is based in Fresno, California.

Market & Price

Market Cap

$651.49M

Current Price

$24.01

High / Low (52W)

$25.28 / $17.20

Beta

0.82

Valuation

Stock P/E

11.12

Industry PE

12.01

Forward P/E

8.00

PEG Ratio

1.50

Book Value

$21.85

Price to Book

1.10

P/S

4.44

EV/EBITDA

Dividend Yield

2.00%

Profitability & Returns

ROCE

ROE

10.45%

ROA

1.14%

Profit Margin

28.22%

Op Margin

41.35%

EPS (Latest Qtr)

$0.60

EPS (TTM)

$2.16

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$103.18M

Total Assets

$3.69B

Current Assets

Working Capital

Ownership

Promoter Holding

11.59%

Chg in Prom Hold

FII / Inst Holding

41.66%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$624.34M

Total Revenue (TTM)

$146.58M

EBITDA

Free Cash Flow

Operating Cash Flow

$45.98M

Shares Outstanding

27.13M

Gross Margin

0.00%

Payout Ratio

22.22%

Growth (CAGR)

Revenue 5Y

20.11%

Profit 5Y

12.73%

Revenue (YoY)

11.10%

Earnings (YoY)

37.00%

PROS

Excellent profit margin of 28.2%.
Compounding revenue at 20.1% over 5 years.
Profit CAGR of 12.7% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CWBC Community West Bancshares R2K	24.01	11.12	$651.49M	2.00%	-	10.45%	20.11%	12.73%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	34.19M	35.11M	37.30M	37.61M	38.26M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.96M	12.72M	11.94M	11.91M	11.89M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.36M	10.76M	15.08M	15.33M	15.71M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.07M	2.93M	4.20M	4.16M	4.22M
Net Income	1.29M	2.97M	2.62M	2.69M	2.35M	2.47M	3.08M	2.52M	3.40M	6.06M	3.11M	4.25M	4.95M	4.49M	4.96M	4.96M	5.75M	5.22M	6.09M	5.69M	6.62M	2.30M	4.34M	7.48M	7.56M	6.52M	6.09M	6.54M	6.38M	6.97M	6.28M	6.39M	3.68M	-6.29M	3.38M	8.29M	7.83M	10.87M	11.17M	11.49M
Diluted EPS	0.12	0.26	0.24	0.24	0.21	0.22	0.28	0.23	0.31	0.55	0.28	0.35	0.40	0.36	0.38	0.36	0.42	0.38	0.45	0.42	0.52	0.18	0.35	0.60	0.60	0.54	0.51	0.56	0.55	0.59	0.54	0.54	0.31	-0.33	0.18	0.44	0.41	0.57	0.58	0.60

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	83.22M	87.71M	114.17M	144.20M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	3.42M	19.99M	50.02M	49.53M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	35.14M	33.84M	11.00M	52.53M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	8.50M	8.30M	3.33M	14.36M
Net Income	2.59M	3.28M	6.48M	7.52M	8.25M	5.29M	10.96M	15.18M	14.03M	21.29M	21.44M	20.35M	-	26.64M	25.54M	7.67M	38.17M
Diluted EPS	0.28	0.31	0.63	0.75	0.77	0.48	1.00	1.33	1.10	1.54	1.59	1.62	-	2.27	2.17	0.45	2.00

Compounded Sales Growth

5 Years:	20.11%
1 Year:	11.10%

Compounded Profit Growth

5 Years:	12.73%
1 Year:	37.00%

Stock Price Performance

1 Year:	+37.84%
6 Months:	+6.52%
3 Months:	+3.87%
1 Month:	+2.25%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	777.59M	849.02M	890.23M	1.15B	1.19B	1.28B	1.44B	1.66B	1.54B	1.60B	2.00B	-	2.42B	2.43B	3.52B	3.69B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	19.52M	48.68M	101.00M	44.80M	52.96M	112.05M	77.33M	94.62M	38.57M	100.38M	31.73M	52.57M	70.28M	-	31.17M	53.73M	120.40M	118.98M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	32.71M	76.86M	-	-	-
Total Liabilities	-	-	680.20M	741.54M	772.56M	1.03B	1.06B	1.14B	1.28B	1.45B	1.32B	1.37B	1.76B	-	2.25B	2.23B	3.16B	3.28B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	4.00M	4.00M	-	-	-	-	-	-	-	-	-	-	69.60M	69.74M	69.89M	69.53M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	115.60M	149.74M	203.33M	142.53M
Total Equity	75.38M	91.22M	97.39M	107.48M	117.67M	120.04M	131.04M	139.32M	164.03M	209.56M	219.74M	228.13M	245.02M	-	174.66M	207.06M	362.69M	409.59M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.74M	11.82M	18.97M	19.16M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	-	-	25.22M	29.91M	21.72M	16.99M	42.85M	23.67M	27.53M	22.20M	46.12M
Investing Cash Flow	8.78M	32.58M	-129.57M	-36.65M	-22.32M	-84.76M	-75.43M	-68.33M	46.50M	39.03M	-20.93M	-372.61M	-365.14M	-197.07M	24.52M	64.47M	-160.51M
Financing Cash Flow	13.40M	5.56M	52.80M	37.54M	65.82M	32.88M	75.20M	-720.00K	-9.90M	-137.60M	20.05M	373.32M	415.47M	41.10M	-29.49M	-20.00M	112.97M
Capital Expenditure	-991.00K	-595.00K	-1.25M	-1.35M	-1.16M	-1.33M	-741.00K	-861.00K	-859.00K	-791.00K	-876.00K	-1.49M	-1.05M	-362.00K	-9.81M	-5.04M	-2.51M
Free Cash Flow	-	-	-	-	-	-	-	-	24.36M	29.12M	20.84M	15.50M	41.81M	23.31M	17.72M	17.16M	43.61M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-132.30M	22.56M	66.67M	-1.41M
Share Buybacks	-	0	0	0	0	0	-	-	-	894.00K	15.62M	11.05M	13.62M	6.81M	1.00K	38.00K	151.00K
Dividends Paid	-	-	-	-	-	-	-	-	-	-	-	-	-	38.00M	6.96M	14.00M	14.20M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	32.0%	29.1%	6.7%	26.5%
ROE %	2.8%	3.4%	6.0%	6.4%	6.9%	4.0%	7.9%	9.3%	6.7%	9.7%	9.4%	8.3%	-	15.3%	12.3%	2.1%	9.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

11.59%

Institutions

41.66%

Public Float

47.13%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.96%	1.89M	$45.36M
2	Fourthstone LLC	5.02%	1.36M	$32.71M
3	Dimensional Fund Advisors LP	3.10%	840.45K	$20.18M
4	Vanguard Capital Management LLC	2.74%	744.69K	$17.88M
5	Private Management Group, Inc.	1.95%	529.64K	$12.72M
6	Systematic Financial Management, L.P.	1.51%	410.58K	$9.86M
7	Geode Capital Management, LLC	1.46%	396.50K	$9.52M
8	State Street Corporation	1.26%	341.18K	$8.19M
9	Manufacturers Life Insurance Co.	1.25%	338.92K	$8.14M
10	American Century Companies Inc	1.22%	331.05K	$7.95M

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