CWBC Stock Analysis: Community West Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 738m USD | 12M Return: 31.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 13.9M
EPS Trend: -41.1%
Qual. Beats: 0
Rev. Trend: 94.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Community West Bancshares (NASDAQ: CWBC) is a Fresno, California-based bank holding company that operates Central Valley Community Bank, serving small and middle-market businesses and individuals across the state. Originally founded in 1979 and taken public in 1996, the company rebranded from Central Valley Community Bancorp to its current name in November 2000.
As a community-oriented regional bank, CWBC generates revenue through a traditional spread-based banking model, accepting deposits-including demand, savings, time, NOW, and money market accounts-and lending those funds across diversified categories. Its loan portfolio spans commercial and industrial credit, agricultural production loans secured by crops and livestock, commercial real estate (including construction, investor-owned, and farmland), residential mortgages and construction, manufactured housing, and consumer credit products such as installment loans and home equity lines.
The company also provides standard ancillary banking services, including domestic and international wire transfers, bill payment, cash management, and account inquiry tools. Geographically, its operations are anchored in Californias Central Valley, one of the most productive agricultural regions in the United States, which explains the banks notable emphasis on farm-related and agribusiness lending-a niche typically underserved by larger national banks. As a small-cap regional bank (~$689M market capitalization) within the Financials sector, CWBC competes primarily on local market knowledge and relationship-driven service rather than scale.
- NIM compression as Fed cuts rates and deposit costs remain sticky
- CRE loan portfolio exposure raises credit risk concerns
- Agricultural lending hit by Central Valley drought conditions
| Net Income: 41.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.45 > 1.0 |
| NWC/Revenue: 1.99% < 20% (prev -1.33k%; Δ 1.33k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 46.0m > Net Income 41.4m |
| Net Debt (74.1m) to EBITDA (61.4m): 1.21 < 3 |
| Current Ratio: 1.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.1m) vs 12m ago 0.64% < -2% |
| Gross Margin: 73.41% > 18% (prev 63.71%; Δ 9.71% > 0.5%) |
| Asset Turnover: 5.43% > 50% (prev 5.19%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 1.17 > 6 (EBIT TTM 56.9m / Interest Expense TTM 48.5m) |
| A: 0.00 (Total Current Assets 37.9m - Total Current Liabilities 34.0m) / Total Assets 3.70b |
| B: 0.07 (Retained Earnings 248.2m / Total Assets 3.70b) |
| C: 0.02 (EBIT TTM 56.9m / Avg Total Assets 3.63b) |
| D: 0.13 (Book Value of Equity 419.2m / Total Liabilities 3.28b) |
| Altman-Z'' = 0.46 = B |
As of July 08, 2026, the stock is trading at USD 27.03 with a total of 210,844 shares traded. Over the past week, the price has changed by +0.97%, over one month by +8.60%, over three months by +16.99% and over the past year by +31.91%.
Current recommended Stop Loss: 26.30 (which is 2.7% or 1.2 ATR below the current price).
Community West Bancshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy CWBC.
- StrongBuy: 2
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 28.4 | 5% |
P/E Trailing = 12.5833
P/E Forward = 9.4162
P/S = 5.0313
P/B = 1.7451
P/EG = 1.5023
Revenue TTM = 196.9m USD
EBIT TTM = 56.9m USD
EBITDA TTM = 61.4m USD
Long Term Debt = 69.2m USD (from longTermDebt, last quarter)
Short Term Debt = 34.0m USD (from shortTermDebt, last quarter)
Debt = 112.1m USD (from shortLongTermDebtTotal, last quarter) + Leases 8.88m
Net Debt = 74.1m USD (calculated: Debt 112.1m - CCE 37.9m)
Enterprise Value = 811.6m USD (737.5m + Debt 112.1m - CCE 37.9m)
Interest Coverage Ratio = 1.17 (Ebit TTM 56.9m / Interest Expense TTM 48.5m)
EV/FCF = 19.77x (Enterprise Value 811.6m / FCF TTM 41.1m)
FCF Yield = 5.06% (FCF TTM 41.1m / Enterprise Value 811.6m)
FCF Margin = 20.86% (FCF TTM 41.1m / Revenue TTM 196.9m)
Net Margin = 21.01% (Net Income TTM 41.4m / Revenue TTM 196.9m)
Gross Margin = 73.41% ((Revenue TTM 196.9m - Cost of Revenue TTM 52.3m) / Revenue TTM)
Gross Margin QoQ = 76.09% (prev 74.73%)
Tobins Q-Ratio = 0.22 (Enterprise Value 811.6m / Total Assets 3.70b)
Interest Expense / Debt = 43.25% (Interest Expense 48.5m / Debt 112.1m)
Taxrate = 27.28% (15.5m / 56.9m)
NOPAT = 41.4m (EBIT 56.9m * (1 - 27.28%))
Current Ratio = 1.12 (Total Current Assets 37.9m / Total Current Liabilities 34.0m)
Debt / Equity = 0.27 (Debt 112.1m / totalStockholderEquity, last quarter 419.2m)
Debt / EBITDA = 1.21 (Net Debt 74.1m / EBITDA 61.4m)
Debt / FCF = 1.81 (Net Debt 74.1m / FCF TTM 41.1m)
Total Stockholder Equity = 401.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 41.4m / Total Assets 3.70b)
RoE = 10.30% (Net Income TTM 41.4m / Total Stockholder Equity 401.6m)
RoCE = 12.08% (EBIT 56.9m / Capital Employed (Equity 401.6m + L.T.Debt 69.2m))
RoIC = 1.12% (NOPAT 41.4m / Invested Capital 3.69b)
WACC = 11.64% (E(737.5m)/V(849.6m) * Re(8.63%) + D(112.1m)/V(849.6m) * Rd(43.25%) * (1-Tc(0.27)))
Discount Rate = 8.63% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 100.00 | Cagr: 24.10%
[DCF] Terminal Value 68.09% ; FCFF base≈33.9m ; Y1≈38.9m ; Y5≈57.3m
[DCF] Fair Price = 17.31 (EV 543.9m - Net Debt 74.1m = Equity 469.7m / Shares 27.1m; r=11.64% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -41.07 | EPS CAGR: -8.07% | SUE: 0.52 | # QB: 0
Revenue Correlation: 94.34 | Revenue CAGR: 37.71% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.60 | Chg30d=+3.35% | Revisions=+0% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.68 | Chg30d=+0.22% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=2.64 | Chg30d=+1.03% | Revisions=+0% | GrowthEPS=+30.1% | GrowthRev=+43.3%
EPS next Year (2027-12-31): EPS=3.01 | Chg30d=+0.18% | Revisions=+0% | GrowthEPS=+13.9% | GrowthRev=+13.1%
[Analyst] Revisions Ratio: +0% (up=0, down=0)