(CWBC) Community West Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 641m USD | Total Return: 36.3% in 12m
Avg Turnover: 4.86M
EPS Trend: 82.5%
Qual. Beats: 0
Rev. Trend: 94.3%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Community West Bancshares (NASDAQ: CWBC) is the Fresno-based holding company for Central Valley Community Bank, serving small to middle-market businesses and individuals throughout California. The institution provides a comprehensive suite of deposit products, including demand, savings, and money market accounts, alongside diverse lending solutions for commercial, industrial, and agricultural sectors. Its credit portfolio specifically targets regional economic drivers, including crop production, livestock, and commercial real estate construction.
Operating within the regional banking sector, the company generates revenue primarily through the net interest margin-the spread between interest earned on loans and interest paid on deposits. As a community-focused bank, its performance is closely tied to the California Central Valleys economic health and local real estate valuations. For a deeper look at these performance metrics, ValueRay provides additional analytical tools.
In addition to traditional lending, the bank offers specialized cash management, international wire transfers, and bill-paying services to facilitate commercial operations. Founded in 1979 and rebranded in 2000, the company maintains a business model centered on relationship-based banking and professional property financing.
- Net interest margin expansion hinges on Federal Reserve monetary policy shifts
- Agricultural loan portfolio performance fluctuates with California Central Valley crop yields
- Strategic merger integration costs impact short-term earnings and operational efficiency
- Commercial real estate concentration increases sensitivity to regional property market valuations
- Deposit beta management determines profitability amidst competitive regional banking environment
| Net Income: 41.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.88 > 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 0.64%; Δ 7.28k% > 0.5%) |
| Asset Turnover: 5.43% > 50% (prev 5.19%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 1.17 > 6 (EBITDA TTM 61.4m / 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 May 24, 2026, the stock is trading at USD 23.74 with a total of 171,458 shares traded.
Over the past week, the price has changed by +2.63%,
over one month by -0.21%,
over three months by +1.91% and
over the past year by +36.31%.
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 | 19.5% |
P/E Forward = 9.4162
P/S = 4.376
P/B = 1.5062
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 = 715.6m USD (641.5m + Debt 112.1m - CCE 37.9m)
Interest Coverage Ratio = 1.17 (Ebit TTM 56.9m / Interest Expense TTM 48.5m)
EV/FCF = 16.97x (Enterprise Value 715.6m / FCF TTM 42.2m)
FCF Yield = 5.89% (FCF TTM 42.2m / Enterprise Value 715.6m)
FCF Margin = 21.41% (FCF TTM 42.2m / 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 = 0.19 (Enterprise Value 715.6m / Total Assets 3.70b)
Interest Expense / Debt = 43.25% (Interest Expense 48.5m / Debt 112.1m)
Taxrate = 26.89% (4.22m / 15.7m)
NOPAT = 41.6m (EBIT 56.9m * (1 - 26.89%))
Current Ratio = 0.04 (Total Current Assets 37.9m / Total Current Liabilities 945.7m)
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 = 1.76 (Net Debt 74.1m / FCF TTM 42.2m)
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 41.6m / Invested Capital 3.70b)
WACC = 12.47% (E(641.5m)/V(753.5m) * Re(9.13%) + D(112.1m)/V(753.5m) * Rd(43.25%) * (1-Tc(0.27)))
Discount Rate = 9.13% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 100.00 | Cagr: 24.10%
[DCF] Terminal Value 65.83% ; FCFF base≈28.9m ; Y1≈33.2m ; Y5≈48.8m
[DCF] Fair Price = 12.87 (EV 423.3m - Net Debt 74.1m = Equity 349.1m / Shares 27.1m; r=12.47% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 82.48 | EPS CAGR: 34.25% | SUE: 0.17 | # QB: 0
Revenue Correlation: 94.34 | Revenue CAGR: 37.71% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.58 | Chg30d=+2.79% | Revisions=+20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.68 | Chg30d=-1.09% | Revisions=+20% | Analysts=4
EPS current Year (2026-12-31): EPS=2.62 | Chg30d=+1.75% | Revisions=+0% | GrowthEPS=+28.8% | GrowthRev=+43.0%
EPS next Year (2027-12-31): EPS=3.00 | Chg30d=+0.53% | Revisions=+0% | GrowthEPS=+14.8% | GrowthRev=+12.9%
[Analyst] Revisions Ratio: +20%