Community West Bancshares (CWBC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.85
↓-14% vs avg
5yr avg: 11.39
30Y Low0.0·High31.5
P/FCF
↑
11.32
+8% vs avg
5yr avg: 10.46
30Y Low0.7·High41.9
P/B Ratio
↑
1.20
↑+29% vs avg
5yr avg: 0.93
30Y Low0.1·High2.7
ROE
↓
9.9%
-1% vs avg
5yr avg: 10.0%
30Y Low3%·High17%
Debt/EBITDA
↑
2.71
↓-49% vs avg
5yr avg: 5.30
30Y Low0.0·High15.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CWBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Community West Bancshares trades at 12.9x earnings, 14% below its 5-year average of 14.9x, sitting at the 60th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 7%. On a free-cash-flow basis, the stock trades at 11.3x P/FCF, 8% above the 5-year average of 10.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $494M | $429M | $333M | $204M | $176M | $168M | $114M | $150M | $139M | $135M | $106M |
| Enterprise Value | $517M | $453M | $416M | $300M | $260M | $44M | $58M | $113M | $122M | $40M | $73M |
| P/E Ratio → | 12.88 | 11.25 | 43.04 | 8.01 | 6.59 | 5.81 | 5.60 | 6.98 | 6.51 | 9.68 | 6.95 |
| P/S Ratio | 2.54 | 2.20 | 2.03 | 1.89 | 2.03 | 2.07 | 1.46 | 1.93 | 1.90 | 2.04 | 1.93 |
| P/B Ratio | 1.20 | 1.05 | 0.92 | 0.99 | 1.01 | 0.68 | 0.47 | 0.66 | 0.63 | 0.65 | 0.64 |
| P/FCF | 11.32 | 9.84 | 19.39 | 11.53 | 7.54 | 4.02 | 7.36 | 7.20 | 4.76 | 5.56 | 8.70 |
| P/OCF | 10.70 | 9.30 | 14.99 | 7.42 | 7.42 | 3.93 | 6.72 | 6.91 | 4.64 | 5.37 | 8.13 |
P/E links to full P/E history page with 30-year chart
CWBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Community West Bancshares's enterprise value stands at 9.8x EBITDA, 14% below its 5-year average of 11.4x. The Financial Services sector median is 11.5x, placing the stock at a 15% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.33 | 2.53 | 2.78 | 3.00 | 0.54 | 0.74 | 1.45 | 1.68 | 0.61 | 1.33 |
| EV / EBITDA | 9.85 | 8.62 | 31.48 | 8.65 | 7.25 | 0.94 | 1.77 | 3.12 | 3.38 | 1.19 | 2.32 |
| EV / EBIT | 9.85 | 8.62 | 37.80 | 8.88 | 7.40 | 1.16 | 2.13 | 3.77 | 4.37 | 1.69 | 3.29 |
| EV / FCF | — | 10.38 | 24.22 | 16.95 | 11.16 | 1.06 | 3.74 | 5.42 | 4.19 | 1.65 | 5.99 |
CWBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Community West Bancshares earns an operating margin of 27.0%, above the Financial Services sector average of 20.2%. Operating margins have compressed from 31.3% to 27.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 9.9% is modest. ROIC of 7.0% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.6% | 72.6% | 62.8% | 81.2% | 94.9% | 103.8% | 93.8% | 95.4% | 97.9% | 100.0% | 108.7% |
| Operating Margin | 27.0% | 27.0% | 6.7% | 31.3% | 40.6% | 46.7% | 34.9% | 38.5% | 38.3% | 35.9% | 40.4% |
| Net Profit Margin | 19.6% | 19.6% | 4.7% | 23.6% | 30.7% | 34.9% | 26.1% | 27.6% | 29.2% | 21.1% | 27.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 9.9% | 2.7% | 13.4% | 12.6% | 11.5% | 8.6% | 9.6% | 9.9% | 7.5% | 10.0% |
| ROA | 1.1% | 1.1% | 0.3% | 1.1% | 1.1% | 1.3% | 1.1% | 1.4% | 1.3% | 0.9% | 1.1% |
| ROIC | 7.0% | 7.0% | 1.8% | 7.8% | 9.1% | 10.4% | 8.1% | 9.4% | 9.3% | 9.3% | 10.6% |
| ROCE | 2.6% | 2.6% | 2.8% | 12.2% | 13.2% | 14.1% | 11.0% | 12.8% | 12.7% | 12.4% | 14.1% |
CWBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Community West Bancshares carries a Debt/EBITDA ratio of 2.7x, which is moderately leveraged (36% below the sector average of 4.3x). Net debt stands at $24M ($143M total debt minus $119M cash). Interest coverage of just 1.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.35 | 0.56 | 0.72 | 0.66 | 0.16 | 0.06 | 0.07 | 0.07 | 0.02 | 0.03 |
| Debt / EBITDA | 2.71 | 2.71 | 15.40 | 4.31 | 3.22 | 0.84 | 0.43 | 0.43 | 0.42 | 0.15 | 0.18 |
| Net Debt / Equity | — | 0.06 | 0.23 | 0.46 | 0.48 | -0.50 | -0.23 | -0.16 | -0.08 | -0.45 | -0.20 |
| Net Debt / EBITDA | 0.45 | 0.45 | 6.28 | 2.76 | 2.35 | -2.64 | -1.72 | -1.02 | -0.46 | -2.82 | -1.05 |
| Debt / FCF | — | 0.54 | 4.83 | 5.42 | 3.62 | -2.97 | -3.63 | -1.78 | -0.57 | -3.91 | -2.72 |
| Interest Coverage | 1.06 | 1.06 | 0.22 | 1.69 | 10.27 | 29.20 | 17.09 | 11.70 | 18.81 | 20.95 | 20.16 |
CWBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.63x means Community West Bancshares can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.22x to 1.63x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.63 | 1.63 | 0.14 | 0.22 | 0.35 | 0.60 | 0.46 | 0.41 | 0.40 | 0.46 | 0.48 |
| Quick Ratio | 1.63 | 1.63 | 0.14 | 0.22 | 0.35 | 0.60 | 0.46 | 0.41 | 0.40 | 0.46 | 0.48 |
| Cash Ratio | 1.63 | 1.63 | 0.04 | 0.03 | 0.01 | 0.08 | 0.04 | 0.04 | 0.02 | 0.07 | 0.03 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CWBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Community West Bancshares returns 1.9% to shareholders annually — split between a 1.9% dividend yield and 0.0% buyback yield. The payout ratio of 24.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 24.0% | 24.0% | 107.4% | 22.2% | 21.2% | 20.3% | 27.2% | 27.1% | 20.1% | 21.5% | 17.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 8.9% | 2.3% | 12.5% | 15.2% | 17.2% | 17.8% | 14.3% | 15.4% | 10.3% | 14.4% |
| FCF Yield | 8.8% | 10.2% | 5.2% | 8.7% | 13.3% | 24.8% | 13.6% | 13.9% | 21.0% | 18.0% | 11.5% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $19M | $17M | $12M | $12M | $13M | $13M | $14M | $14M | $13M | $11M |
Peer Comparison
Compare CWBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CWBCYou | $494M | 12.9 | 9.8 | 11.3 | 72.6% | 27.0% | 9.9% | 7.0% | 2.7 |
 CVBF | $3B | 14.0 | 13.4 | 13.3 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 WAFD | $3B | 14.1 | 13.4 | 13.7 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 BANR | $2B | 11.9 | 9.8 | 9.2 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 COLB | $7B | 13.6 | 12.2 | 10.6 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 PFBC | $1B | 9.8 | 4.3 | 7.4 | 55.0% | 38.0% | 17.2% | 13.5% | 2.0 |
 SMBC | $804M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 HAFC | $949M | 12.6 | 9.0 | 4.7 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FFIN | $5B | 19.0 | 11.8 | 15.7 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 TCBK | $2B | 14.2 | 8.8 | 13.2 | 75.9% | 31.7% | 9.5% | 8.9% | 0.4 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Compare NowCWBC — Frequently Asked Questions
Quick answers to the most common questions about buying CWBC stock.
What is Community West Bancshares's P/E ratio?
Community West Bancshares's current P/E ratio is 12.9x. The historical average is 16.9x. This places it at the 60th percentile of its historical range.
What is Community West Bancshares's EV/EBITDA?
Community West Bancshares's current EV/EBITDA is 9.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.0x.
What is Community West Bancshares's ROE?
Community West Bancshares's return on equity (ROE) is 9.9%. The historical average is 9.7%.
Is CWBC stock overvalued?
Based on historical data, Community West Bancshares is trading at a P/E of 12.9x. This is at the 60th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Community West Bancshares's dividend yield?
Community West Bancshares's current dividend yield is 1.87% with a payout ratio of 24.0%.
What are Community West Bancshares's profit margins?
Community West Bancshares has 72.6% gross margin and 27.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Community West Bancshares have?
Community West Bancshares's Debt/EBITDA ratio is 2.7x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.