CWBC Stock Analysis: Community West Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 705m USD | 12M Return: 22.4% | US2039371073 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.71M
EPS Trend: 35.6%
Qual. Beats: 0
Rev. Trend: 92.5%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Community West Bancshares (CWBC) is the holding company for Community West Bank, a California state-chartered commercial bank serving businesses, agribusiness customers, professionals, and individuals across Central California. The company accepts a range of deposits, including checking, savings, money market, and time deposit accounts, and offers loans across commercial, real estate, construction, agricultural, multifamily, SBA, and consumer categories, along with lines of credit.
In addition to lending, Community West provides private banking, treasury and cash management, online and mobile banking, remote deposit capture, wire transfer, and bill payment services. The bank operates full-service branches across Greater Sacramento, the San Joaquin Valley, and the Central Coast.
The company was founded in 1979, is headquartered in Fresno, California, and was formerly known as Central Valley Community Bancorp before adopting its current name in April 2024. As a community-oriented regional bank, CWBC generates revenue primarily through net interest income from its loan portfolio, supplemented by fee-based services such as treasury management and deposit-related products.
- Net interest margin expands on Fed rate environment
- Agribusiness and CRE loan portfolio growth accelerates
- Deposit costs rise amid California banking competition
| Net Income: 33.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.19 > 1.0 |
| NWC/Revenue: -1.47k% < 20% (prev -1.40k%; Δ -75.24% < -1%) |
| CFO/TA 0.01 > 3% & CFO 61.7m > Net Income 33.4m |
| Net Debt (-887.7m) to EBITDA (50.8m): -17.49 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (27.1m) vs 12m ago 42.17% < -2% |
| Gross Margin: 72.53% > 18% (prev 71.01%; Δ 1.51% > 0.5%) |
| Asset Turnover: 5.12% > 50% (prev 5.30%; Δ -0.18% > 0%) |
| Interest Coverage Ratio: 0.86 > 6 (EBIT TTM 46.5m / Interest Expense TTM 53.8m) |
| A: -0.65 (Total Current Assets 1.01b - Total Current Liabilities 4.26b) / Total Assets 5.01b |
| B: 0.05 (Retained Earnings 252.4m / Total Assets 5.01b) |
| C: 0.01 (EBIT TTM 46.5m / Avg Total Assets 4.31b) |
| D: 0.14 (Book Value of Equity 602.2m / Total Liabilities 4.41b) |
| Altman-Z'' = -3.87 = D |
As of November 12, 2026, the stock is trading at USD 25.88 with a total of 114,116 shares traded. Over the past week, the price has changed by -2.77%, over one month by +0.00%, over three months by +2.08% and over the past year by +22.41%.
Current recommended Stop Loss: 24.60 (which is 4.9% or 1.7 ATR below the current price).
Community West Bancshares has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy CWBC.
- StrongBuy: 3
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 30.1 | 16.3% |
P/E Trailing = 17.4295
P/E Forward = 9.4162
P/S = 3.981
P/B = 1.171
P/EG = 1.5023
Revenue TTM = 220.8m USD
EBIT TTM = 46.5m USD
EBITDA TTM = 50.8m USD
Long Term Debt = 69.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 41.0m USD (from shortTermDebt, last quarter)
Debt = 124.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 8.88m
Net Debt = -887.7m USD (calculated: Debt 124.8m - CCE 1.01b)
Enterprise Value = 704.8m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.86 (Ebit TTM 46.5m / Interest Expense TTM 53.8m)
EV/FCF = 12.57x (Enterprise Value 704.8m / FCF TTM 56.1m)
FCF Yield = 7.95% (FCF TTM 56.1m / Enterprise Value 704.8m)
FCF Margin = 25.39% (FCF TTM 56.1m / Revenue TTM 220.8m)
Net Margin = 15.14% (Net Income TTM 33.4m / Revenue TTM 220.8m)
Gross Margin = 72.53% ((Revenue TTM 220.8m - Cost of Revenue TTM 60.7m) / Revenue TTM)
Gross Margin QoQ = 78.84% (prev 57.17%)
Tobins Q-Ratio = 0.14 (Enterprise Value 704.8m / Total Assets 5.01b)
Interest Expense / Debt = 43.14% (Interest Expense 53.8m / Debt 124.8m)
Taxrate = 28.11% (13.1m / 46.5m)
NOPAT = 33.4m (EBIT 46.5m * (1 - 28.11%))
Current Ratio = 0.24 (Total Current Assets 1.01b / Total Current Liabilities 4.26b)
Debt / Equity = 0.21 (Debt 124.8m / totalStockholderEquity, last quarter 602.2m)
Debt / EBITDA = -17.49 (Net Debt -887.7m / EBITDA 50.8m)
Debt / FCF = -15.84 (Net Debt -887.7m / FCF TTM 56.1m)
Total Stockholder Equity = 509.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.77% (Net Income 33.4m / Total Assets 5.01b)
RoE = 6.56% (Net Income TTM 33.4m / Total Stockholder Equity 509.7m)
RoCE = 8.03% (EBIT 46.5m / Capital Employed (Equity 509.7m + L.T.Debt 69.5m))
RoIC = 4.28% (NOPAT 33.4m / Invested Capital 781.6m)
WACC = 11.31% (E(704.8m)/V(829.6m) * Re(7.82%) + D(124.8m)/V(829.6m) * Rd(43.14%) * (1-Tc(0.28)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.75 | Cagr: 17.69%
[DCF] Terminal Value 69.02% ; FCFF base≈47.0m ; Y1≈53.9m ; Y5≈79.3m
[DCF] Fair Price = 61.53 (EV 782.2m - Net Debt -887.7m = Equity 1.67b / Shares 27.1m; r=11.31% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 35.60 | EPS CAGR: 6.96% | SUE: 0.14 | # QB: 0
Revenue Correlation: 92.54 | Revenue CAGR: 35.30% | SUE: 0.89 | # QB: 1
EPS current Quarter (2027-03-31): EPS=0.70 | Chg30d=-0.56% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=2.37 | Chg30d=-0.27% | Revisions=-40% | GrowthEPS=+16.6% | GrowthRev=+42.3%
EPS next Year (2027-12-31): EPS=2.98 | Chg30d=-0.50% | Revisions=-17% | GrowthEPS=+26.0% | GrowthRev=+14.6%
[Analyst] Revisions Ratio: -25% (up=3, down=6)