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Community West Bancshares(CWBC)Earnings, Financials & Key Ratios
CWBC•NASDAQ•Banking & Credit
12.7× P/E·Price updated Jun 11, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCommunity West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California. The company offers deposit products, such as checking accounts, savings accounts, money market accounts, and fixed rate and fixed maturity certificates of deposit; and cash management products. It also provides commercial, commercial real estate, consumer, manufactured housing, and small business administration loans, as well as agricultural loans for real estate and operating lines; home equity lines of credit collateralized by residential real estate; single family real estate loans; and installment loans consisting of automobile and general-purpose loans. The company serves small to medium-sized businesses and their owners, professionals, high-net worth individuals, and non-profit organizations. It operates through a network of seven branch banking offices in Goleta, Santa Barbara, Santa Maria, Ventura, San Luis Obispo, Oxnard, and Paso Robles. Community West Bancshares was founded in 1989 and is headquartered in Goleta, California.Show more
- Net Interest Income$137M+24.3%
- Total Revenue$195M+18.5%
- Net Income$38M+397.9%
- Return on Equity9.88%+267.3%
- Net Interest Margin3.72%+18.6%
- Efficiency Ratio45.63%-18.6%
- ROA1.06%+311.0%
- Equity / Assets11.1%+7.8%
- Book Value per Share21.48+1.7%
- Tangible BV/Share15.97+6.9%
- Debt/Equity0.35-37.9%
CWBC Key Insights
Community West Bancshares (CWBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 3.7%
- ✓Efficient operations: 45.6% efficiency ratio
- ✓Well capitalized: 11.1% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 1.2x book value
✗Weaknesses
- ✗Shares diluted 11.0% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CWBC Price & Volume
Community West Bancshares (CWBC) stock price & volume — 10-year historical chart
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CWBC Growth Metrics
Community West Bancshares (CWBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.6%
5 Years20.05%
3 Years30.95%
TTM-
Profit CAGR
10 Years13.29%
5 Years13.41%
3 Years12.73%
TTM397.89%
EPS CAGR
10 Years7.18%
5 Years4.3%
3 Years-4.13%
TTM284.62%
Return on Capital
10 Years10.79%
5 Years8.98%
3 Years5.84%
Last Year2.57%
CWBC Recent Earnings
Community West Bancshares (CWBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (40%)●Beat Revenue 3/12 qtrs (30%)
Q2 2026Latest
Apr 23, 2026EPS
$0.61
Est $0.56
+8.9%
Revenue
$39M
Est $38M
+1.0%
Q2 2026
Mar 11, 2026EPS
$0.58
Revenue
$49M
Q1 2026
Jan 22, 2026EPS
$0.60
Est $0.57
+5.3%
Revenue
$38M
Est $38M
-0.2%
Q4 2025
Oct 16, 2025EPS
$0.57
Est $0.53
+7.5%
Revenue
$37M
Est $39M
-3.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.61vs $0.56+8.9% | $39Mvs $38M+1.0% |
| Q2 2026 | Mar 11, 2026 | $0.58 | $49M |
| Q1 2026 | Jan 22, 2026 | $0.60vs $0.57+5.3% | $38Mvs $38M-0.2% |
| Q4 2025 | Oct 16, 2025 | $0.57vs $0.53+7.5% | $37Mvs $39M-3.2% |
Based on last 12 quarters of dataView full earnings history →
CWBC Peer Comparison
Community West Bancshares (CWBC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CVBF | 2.84B | 20.92 | 13.76 | -2.33% | 32.48% | 9.25% | 0.43 | |
 WAFD | 2.82B | 36.57 | 13.90 | -1.58% | 17.46% | 8.02% | 0.60 | |
 BANR | 2.26B | 66.85 | 11.85 | -0.95% | 23.84% | 10.34% | 0.19 | |
 COLB | 7.34B | 30.82 | 13.40 | 8.35% | 17.11% | 8.39% | 0.51 | |
 PFBC | 1.23B | 100.98 | 9.70 | -4.11% | 26.59% | 17.29% | 0.49 | |
 SMBC | 792.97M | 71.39 | 13.78 | 11.72% | 20.82% | 11.85% | 0.26 | |
 HAFC | 934.74M | 31.27 | 12.46 | 3.55% | 17.12% | 9.85% | 0.35 | |
 NBTB | 2.49B | 47.67 | 14.32 | 10.36% | 18.76% | 9.51% | 0.17 |
Compare CWBC vs Peers
Community West Bancshares (CWBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CWBC Income Statement
Community West Bancshares (CWBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 56.24M | 62.7M | 63.77M | 64.42M | 72.55M | 79.57M | 82.43M | 110.37M | 137.14M |
NII Growth % | 23.39% | 11.49% | 1.7% | 1.02% | 12.62% | 9.66% | 3.6% | 33.89% | 24.26% |
Net Interest Margin % | 3.38% | 4.08% | 3.99% | 3.21% | 2.96% | 3.28% | 3.39% | 3.13% | 3.72% |
Interest Income | 57.38M | 64.19M | 66.33M | 66.02M | 73.86M | 82.99M | 102.42M | 160.39M | 186.67M |
Interest Expense | 1.14M | 1.48M | 2.56M | 1.59M | 1.3M | 3.42M | 19.99M | 50.02M | 49.53M |
Loan Loss Provision | -1.15M | 50K | 1.02M | 3.27M | -4.43M | 995K | 309K | 11.11M | 3.75M |
Non-Interest Income | 9M | 8.65M | 11.4M | 12.04M | 7.59M | 3.67M | 5.68M | 3.81M | 7.93M |
Non-Interest Income % | 13.56% | 11.88% | 14.67% | 15.42% | 9.32% | 4.23% | 5.26% | 2.32% | 4.08% |
Total Revenue | 66.38M▲ 0% | 72.84M▲ 9.7% | 77.73M▲ 6.7% | 78.05M▲ 0.4% | 81.45M▲ 4.4% | 86.66M▲ 6.4% | 108.1M▲ 24.7% | 164.2M▲ 51.9% | 194.6M▲ 18.5% |
Revenue Growth % | 21.3% | 9.73% | 6.72% | 0.41% | 4.35% | 6.39% | 24.75% | 51.89% | 18.52% |
Non-Interest Expense | 42.57M | 43.4M | 44.2M | 45.92M | 46.57M | 47.1M | 53.96M | 92.06M | 88.79M |
Efficiency Ratio | 64.14% | 59.58% | 56.86% | 58.83% | 57.17% | 54.35% | 49.92% | 56.07% | 45.63% |
Operating Income | 23.82M▲ 0% | 27.91M▲ 17.2% | 29.95M▲ 7.3% | 27.26M▼ 9.0% | 38.02M▲ 39.5% | 35.14M▼ 7.6% | 33.84M▼ 3.7% | 11M▼ 67.5% | 52.53M▲ 377.6% |
Operating Margin % | 35.88% | 38.31% | 38.53% | 34.93% | 46.68% | 40.55% | 31.3% | 6.7% | 26.99% |
Operating Income Growth % | 7.78% | 17.17% | 7.32% | -8.98% | 39.46% | -7.56% | -3.7% | -67.5% | 377.61% |
Pretax Income | 23.82M▲ 0% | 27.91M▲ 17.2% | 29.95M▲ 7.3% | 27.26M▼ 9.0% | 38.02M▲ 39.5% | 35.14M▼ 7.6% | 33.84M▼ 3.7% | 11M▼ 67.5% | 52.53M▲ 377.6% |
Pretax Margin % | 35.88% | 38.31% | 38.53% | 34.93% | 46.68% | 40.55% | 31.3% | 6.7% | 26.99% |
Income Tax | 9.79M | 6.62M | 8.51M | 6.91M | 9.62M | 8.5M | 8.3M | 3.33M | 14.36M |
Effective Tax Rate % | 41.11% | 23.72% | 28.41% | 25.36% | 25.29% | 24.18% | 24.54% | 30.3% | 27.34% |
Net Income | 14.03M▲ 0% | 21.29M▲ 51.8% | 21.44M▲ 0.7% | 20.35M▼ 5.1% | 28.4M▲ 39.6% | 26.64M▼ 6.2% | 25.54M▼ 4.2% | 7.67M▼ 70.0% | 38.17M▲ 397.9% |
Net Margin % | 21.13% | 29.23% | 27.59% | 26.07% | 34.87% | 30.75% | 23.62% | 4.67% | 19.61% |
Net Income Growth % | -7.61% | 51.78% | 0.72% | -5.11% | 39.58% | -6.18% | -4.16% | -69.98% | 397.89% |
Net Income (Continuing) | 14.03M | 21.29M | 21.44M | 20.35M | 28.4M | 26.64M | 25.54M | 7.67M | 38.17M |
EPS (Diluted) | 1.10▲ 0% | 1.54▲ 40.0% | 1.59▲ 3.2% | 1.62▲ 1.9% | 2.31▲ 42.6% | 2.27▼ 1.7% | 2.17▼ 4.4% | 0.45▼ 79.3% | 2.00▲ 344.4% |
EPS Growth % | -17.29% | 40% | 3.25% | 1.89% | 42.59% | -1.73% | -4.41% | -79.26% | 344.44% |
EPS (Basic) | 1.12 | 1.55 | 1.60 | 1.62 | 2.32 | 2.27 | 2.18 | 0.45 | 2.01 |
Diluted Shares Outstanding | 12.72M | 13.82M | 13.51M | 12.58M | 12.55M | 11.74M | 11.75M | 17.18M | 19.07M |
CWBC Balance Sheet
Community West Bancshares (CWBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 635.65M | 495.63M | 523.32M | 780.37M | 1.27B | 680M | 461.75M | 423.81M | 118.98M |
Cash & Due from Banks | 100.37M | 31.73M | 52.57M | 70.28M | 163.47M | 31.17M | 53.73M | 120.4M | 118.98M |
Short Term Investments | 535.28M | 463.9M | 470.75M | 710.09M | 1.11B | 648.83M | 408.02M | 303.42M | 0 |
Total Investments | 1.43B | 1.38B | 1.41B | 1.81B | 2.15B | 2.21B | 2.18B | 3.09B | 3.38B |
Investments Growth % | 10.78% | -3.75% | 2.3% | 27.94% | 18.76% | 2.79% | -1.07% | 41.74% | 9.15% |
Long-Term Investments | 899.32M | 916.85M | 941.72M | 1.1B | 1.04B | 1.56B | 1.77B | 2.79B | 3.38B |
Accounts Receivables | 25.82M | 25.18M | 32.15M | 29.16M | 32.71M | 76.86M | 0 | 0 | 0 |
Goodwill & Intangibles | 56.8M | 56.35M | 55.66M | 54.96M | 54.3M | 53.84M | 53.78M | 106.1M | 105.09M |
Goodwill | 53.78M | 53.78M | 53.78M | 53.78M | 53.78M | 53.78M | 53.78M | 96.83M | 96.83M |
Intangible Assets | 3.03M | 2.57M | 1.88M | 1.18M | 522K | 68K | 0 | 9.27M | 8.27M |
PP&E (Net) | 9.4M | 8.48M | 7.66M | 8.23M | 8.38M | 7.99M | 14.04M | 24.47M | 23.55M |
Other Assets | 34.67M | 35.34M | 36.26M | 34.31M | 45.15M | 46.71M | 129.45M | 177.33M | 66.25M |
Total Current Assets | 661.46M | 520.81M | 555.47M | 809.53M | 1.31B | 756.86M | 461.75M | 423.81M | 118.98M |
Total Non-Current Assets | 1B | 1.02B | 1.04B | 1.19B | 1.14B | 1.67B | 1.97B | 3.1B | 3.57B |
Total Assets | 1.66B▲ 0% | 1.54B▼ 7.5% | 1.6B▲ 3.8% | 2B▲ 25.5% | 2.45B▲ 22.3% | 2.42B▼ 1.1% | 2.43B▲ 0.5% | 3.52B▲ 44.7% | 3.69B▲ 4.8% |
Asset Growth % | 15.13% | -7.45% | 3.83% | 25.51% | 22.26% | -1.13% | 0.45% | 44.72% | 4.79% |
Return on Assets (ROA) | 0.9% | 1.33% | 1.37% | 1.13% | 1.28% | 1.09% | 1.05% | 0.26% | 1.06% |
Accounts Payable | 21.25M | 20.64M | 19.77M | 31.21M | 40.04M | 32.61M | 0 | 0 | 0 |
Total Debt | 5.16M | 15.15M | 15.57M | 14.04M | 39.45M | 115.6M | 149.74M | 203.33M | 142.53M |
Net Debt | -95.21M | -16.57M | -37M | -56.24M | -124.01M | 84.43M | 96.02M | 82.93M | 23.54M |
Long-Term Debt | 5.16M | 5.16M | 5.16M | 5.16M | 39.45M | 69.6M | 69.74M | 69.89M | 69.53M |
Short-Term Debt | 0 | 10M | 0 | 0 | 0 | 46M | 80M | 133.44M | 73M |
Other Liabilities | 0 | 0 | 0 | -8.88M | 0 | 0 | 35.01M | 44.98M | 3.14B |
Total Current Liabilities | 1.45B | 1.31B | 1.35B | 1.75B | 2.16B | 2.18B | 2.12B | 3.04B | 73M |
Total Non-Current Liabilities | 5.16M | 5.16M | 15.57M | 5.16M | 39.45M | 69.6M | 104.75M | 114.87M | 3.21B |
Total Liabilities | 1.45B | 1.32B | 1.37B | 1.76B | 2.2B | 2.25B | 2.23B | 3.16B | 3.28B |
Total Equity | 209.56M▲ 0% | 219.74M▲ 4.9% | 228.13M▲ 3.8% | 245.02M▲ 7.4% | 247.84M▲ 1.2% | 174.66M▼ 29.5% | 207.06M▲ 18.6% | 362.69M▲ 75.2% | 409.59M▲ 12.9% |
Equity Growth % | 27.75% | 4.86% | 3.82% | 7.41% | 1.15% | -29.53% | 18.55% | 75.16% | 12.93% |
Equity / Assets (Capital Ratio) | 12.61% | 14.29% | 14.29% | 12.23% | 10.12% | 7.21% | 8.51% | 10.3% | 11.1% |
Return on Equity (ROE) | 7.51% | 9.92% | 9.58% | 8.6% | 11.52% | 12.61% | 13.38% | 2.69% | 9.88% |
Book Value per Share | 16.47 | 15.89 | 16.88 | 19.48 | 19.75 | 14.88 | 17.62 | 21.11 | 21.48 |
Tangible BV per Share | 12.01 | 11.82 | 12.76 | 15.11 | 15.43 | 10.29 | 13.04 | 14.94 | 15.97 |
Common Stock | 103.31M | 103.85M | 89.38M | 79.42M | 66.82M | 61.49M | 62.55M | 207.82M | 210.22M |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 103.42M | 120.29M | 135.93M | 150.75M | 173.39M | 194.4M | 210.55M | 209.98M | 238.99M |
Accumulated OCI | 2.83M | -4.41M | 2.82M | 14.86M | 7.63M | -81.23M | -66.03M | -55.12M | -39.62M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CWBC Cash Flow Statement
Community West Bancshares (CWBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 25.22M | 29.91M | 21.72M | 16.99M | 42.85M | 23.67M | 27.53M | 22.2M | 46.12M |
Operating CF Growth % | 94% | 18.61% | -27.38% | -21.78% | 152.24% | -44.76% | 16.28% | -19.34% | 107.73% |
Net Income | 14.03M | 21.29M | 21.44M | 20.35M | 28.4M | 26.64M | 25.54M | 7.67M | 38.17M |
Depreciation & Amortization | 9.95M | 8.16M | 6.31M | 5.5M | 9M | 755K | 891K | 2.21M | 0 |
Deferred Taxes | 7.18M | 403K | -589K | -1.05M | 1.47M | 224K | 110K | -867K | 0 |
Other Non-Cash Items | -5.43M | -3.04M | -6.11M | -8.32M | -3.49M | 9.78M | 7.26M | 12.06M | 8.76M |
Working Capital Changes | -893K | 2.62M | 120K | 37K | 6.92M | -14.51M | -7.13M | 254K | -803K |
Cash from Investing | 46.5M | 39.03M | -20.93M | -372.61M | -365.14M | -197.07M | 24.52M | 64.47M | -160.51M |
Purchase of Investments | -226.74M | -225.97M | -301.25M | -540.36M | -495.88M | -301.7M | 0 | 0 | 0 |
Sale/Maturity of Investments | 273.36M | 286.27M | 307.03M | 319.87M | 81.04M | 321.55M | 67M | 125.85M | 0 |
Net Investment Activity | 46.62M | 60.3M | 5.77M | -220.49M | -414.83M | 19.85M | 67M | 125.85M | 0 |
Acquisitions | 26.28M | 0 | 0 | 0 | 0 | 0 | 0 | 58.52M | 0 |
Other Investing | -25.54M | -20.48M | -25.82M | -150.62M | 50.75M | -216.56M | -32.68M | -114.86M | -160.51M |
Cash from Financing | -9.9M | -137.6M | 20.05M | 373.32M | 415.47M | 41.1M | -29.49M | -20M | 112.97M |
Dividends Paid | -3.01M | -4.27M | -5.8M | -5.53M | -5.76M | -5.64M | -5.66M | -8.23M | -9.16M |
Share Repurchases | 0 | -894K | -15.62M | -11.05M | -13.62M | -6.81M | -1K | -38K | -151K |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.4M |
Net Stock Activity | 0 | -894K | -15.62M | -11.05M | -13.62M | -6.81M | -1K | -38K | 1.25M |
Debt Issuance (Net) | -1000K | 1000K | -1000K | 0 | 1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 508K | -142.44M | 51.48M | 389.9M | 400.55M | -22.44M | -57.83M | 23.26M | 183.39M |
Net Change in Cash | 61.81M▲ 0% | -68.66M▼ 211.1% | 20.85M▲ 130.4% | 17.7M▼ 15.1% | 93.19M▲ 426.4% | -132.3M▼ 242.0% | 22.56M▲ 117.1% | 66.67M▲ 195.5% | -1.41M▼ 102.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 38.57M | 100.38M | 31.73M | 52.57M | 70.28M | 163.47M | 31.17M | 53.73M | 120.4M |
Cash at End | 100.38M | 31.73M | 52.57M | 70.28M | 163.47M | 31.17M | 53.73M | 120.4M | 118.98M |
Interest Paid | 1.17M | 1.46M | 2.52M | 1.71M | 1.17M | 2.83M | 20M | 48.77M | 46.26M |
Income Taxes Paid | 4.72M | 2.7M | 9.14M | 5.12M | 8.15M | 8.31M | 7.7M | 2.57M | 8.01M |
Free Cash Flow | 24.36M▲ 0% | 29.12M▲ 19.5% | 20.84M▼ 28.4% | 15.51M▼ 25.6% | 41.81M▲ 169.6% | 23.31M▼ 44.2% | 17.72M▼ 24.0% | 17.16M▼ 3.1% | 43.61M▲ 154.1% |
FCF Growth % | 100.68% | 19.55% | -28.42% | -25.62% | 169.63% | -44.24% | -23.98% | -3.15% | 154.1% |
CWBC Banking Ratios
Community West Bancshares (CWBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.01% | 7.51% | 9.92% | 9.58% | 8.6% | 11.52% | 12.61% | 13.38% | 2.69% | 9.88% |
| Return on Assets (ROA) | 1.12% | 0.9% | 1.33% | 1.37% | 1.13% | 1.28% | 1.09% | 1.05% | 0.26% | 1.06% |
| Net Interest Margin | 3.16% | 3.38% | 4.08% | 3.99% | 3.21% | 2.96% | 3.28% | 3.39% | 3.13% | 3.72% |
| Efficiency Ratio | 68.31% | 64.14% | 59.58% | 56.86% | 58.83% | 57.17% | 54.35% | 49.92% | 56.07% | 45.63% |
| Equity / Assets | 11.36% | 12.61% | 14.29% | 14.29% | 12.23% | 10.12% | 7.21% | 8.51% | 10.3% | 11.1% |
| Book Value / Share | 14.34 | 16.47 | 15.89 | 16.88 | 19.48 | 19.75 | 14.88 | 17.62 | 21.11 | 21.48 |
| NII Growth | 11.78% | 23.39% | 11.49% | 1.7% | 1.02% | 12.62% | 9.66% | 3.6% | 33.89% | 24.26% |
| Dividend Payout | 17.88% | 21.46% | 20.06% | 27.07% | 27.18% | 20.27% | 21.16% | 22.15% | 107.36% | 24% |
Related:CWBC Dividend History·CWBC Revenue History·CWBC Price History·CWBC P/E History·CWBC Financial Ratios·CWBC Institutional Holders
CWBC SEC Filings & Documents
Community West Bancshares (CWBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
CWBC Frequently Asked Questions
Community West Bancshares (CWBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Community West Bancshares (CWBC) grew revenue by 18.5% over the past year. This is strong growth.
Yes, Community West Bancshares (CWBC) is profitable, generating $38.2M in net income for fiscal year 2025 (19.6% net margin).
Dividend & Returns
Yes, Community West Bancshares (CWBC) pays a dividend with a yield of 1.89%. This makes it attractive for income-focused investors.
Community West Bancshares (CWBC) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
Industry Metrics
Community West Bancshares (CWBC) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Community West Bancshares (CWBC) has an efficiency ratio of 45.6%. This is excellent, indicating strong cost control.