CWBC Stock Analysis: Community West Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 698m USD | 12M Return: 26% | US2039371073 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.40M
EPS Trend: -6.0%
Qual. Beats: -1
Rev. Trend: 93.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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: 36.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: -1.88k% < 20% (prev -1.32k%; Δ -562.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 54.0m > Net Income 36.2m |
| Net Debt (-384.2m) to EBITDA (50.6m): -7.60 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.1m) vs 12m ago 21.55% < -2% |
| Gross Margin: 70.66% > 18% (prev 69.41%; Δ 1.24% > 0.5%) |
| Asset Turnover: 4.58% > 50% (prev 5.25%; Δ -0.67% > 0%) |
| Interest Coverage Ratio: 0.99 > 6 (EBIT TTM 50.3m / Interest Expense TTM 50.9m) |
| A: -0.74 (Total Current Assets 643.4m - Total Current Liabilities 4.35b) / Total Assets 5.03b |
| B: 0.05 (Retained Earnings 247.6m / Total Assets 5.03b) |
| C: 0.01 (EBIT TTM 50.3m / Avg Total Assets 4.31b) |
| D: 0.14 (Book Value of Equity 607.8m / Total Liabilities 4.43b) |
| Altman-Z'' = -4.45 = D |
As of September 25, 2026, the stock is trading at USD 26.36 with a total of 255,286 shares traded. Over the past week, the price has changed by +1.35%, over one month by +1.35%, over three months by -1.43% and over the past year by +25.98%.
Current recommended Stop Loss: 25.40 (which is 3.6% or 1.9 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 | 29.6 | 12.4% |
P/E Trailing = 14.625
P/E Forward = 9.4162
P/S = 4.4528
P/B = 1.1579
P/EG = 1.5023
Revenue TTM = 197.2m USD
EBIT TTM = 50.3m USD
EBITDA TTM = 50.6m USD
Long Term Debt = 75.3m USD (from longTermDebt, last quarter)
Short Term Debt = 175.0m USD (from shortTermDebt, last quarter)
Debt = 259.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 8.88m
Net Debt = -384.2m USD (calculated: Debt 259.2m - CCE 643.4m)
Enterprise Value = 314.1m USD (698.4m + Debt 259.2m - CCE 643.4m)
Interest Coverage Ratio = 0.99 (Ebit TTM 50.3m / Interest Expense TTM 50.9m)
EV/FCF = 6.55x (Enterprise Value 314.1m / FCF TTM 47.9m)
FCF Yield = 15.26% (FCF TTM 47.9m / Enterprise Value 314.1m)
FCF Margin = 24.32% (FCF TTM 47.9m / Revenue TTM 197.2m)
Net Margin = 18.37% (Net Income TTM 36.2m / Revenue TTM 197.2m)
Gross Margin = 70.66% ((Revenue TTM 197.2m - Cost of Revenue TTM 57.9m) / Revenue TTM)
Gross Margin QoQ = 57.17% (prev 76.09%)
Tobins Q-Ratio = 0.06 (Enterprise Value 314.1m / Total Assets 5.03b)
Interest Expense / Debt = 19.66% (Interest Expense 50.9m / Debt 259.2m)
Taxrate = 27.95% (14.1m / 50.3m)
NOPAT = 36.2m (EBIT 50.3m * (1 - 27.95%))
Current Ratio = 0.15 (Total Current Assets 643.4m / Total Current Liabilities 4.35b)
Debt / Equity = 0.43 (Debt 259.2m / totalStockholderEquity, last quarter 607.8m)
Debt / EBITDA = -7.60 (Net Debt -384.2m / EBITDA 50.6m)
Debt / FCF = -8.01 (Net Debt -384.2m / FCF TTM 47.9m)
Total Stockholder Equity = 458.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 36.2m / Total Assets 5.03b)
RoE = 7.90% (Net Income TTM 36.2m / Total Stockholder Equity 458.5m)
RoCE = 9.42% (EBIT 50.3m / Capital Employed (Equity 458.5m + L.T.Debt 75.3m))
RoIC = 4.27% (NOPAT 36.2m / Invested Capital 848.3m)
WACC = 9.96% (E(698.4m)/V(957.5m) * Re(8.40%) + D(259.2m)/V(957.5m) * Rd(19.66%) * (1-Tc(0.28)))
Discount Rate = 8.40% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 70.70 | Cagr: 34.96%
[DCF] Terminal Value 72.94% ; FCFF base≈40.4m ; Y1≈46.3m ; Y5≈68.1m
[DCF] Fair Price = 43.59 (EV 798.5m - Net Debt -384.2m = Equity 1.18b / Shares 27.1m; r=9.96% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -5.97 | EPS CAGR: -1.15% | SUE: -2.27 | # QB: -1
Revenue Correlation: 92.97 | Revenue CAGR: 35.95% | SUE: -0.46 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.65 | Chg30d=-4.19% | Revisions=-50% | Analysts=3
EPS current Year (2026-12-31): EPS=2.36 | Chg30d=-10.74% | Revisions=-50% | GrowthEPS=+16.3% | GrowthRev=+40.4%
EPS next Year (2027-12-31): EPS=3.02 | Chg30d=+0.20% | Revisions=+40% | GrowthEPS=+28.1% | GrowthRev=+15.2%
[Analyst] Revisions Ratio: -36% (up=2, down=6)