Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Community West Bancshares's quarterly P/E stands at 9.7x, down 27.9% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 38.1% YoY to 7.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.88 | 9.70 | 9.14 | 11.90 | 10.50 | 13.45 | 26.75 | — | 16.04 | 8.70 | 6.01 | 5.63 | 5.36 |
| — | -27.9% | -65.8% | — | -34.5% | +54.7% | +344.8% | — | +199.3% | +51.0% | -5.2% | -11.9% | -22.0% | |
| P/S Ratio | 2.54 | 2.19 | 2.02 | 1.92 | 1.86 | 1.96 | 1.99 | 1.94 | 2.17 | 1.85 | 1.38 | 1.30 | 1.46 |
| — | +11.4% | +1.5% | -1.1% | -14.3% | +6.3% | +44.7% | +48.7% | +48.8% | +1.2% | -25.3% | -34.8% | -30.6% | |
| P/B Ratio | 1.20 | 1.05 | 1.00 | 0.98 | 0.94 | 1.01 | 1.00 | 0.99 | 1.11 | 0.99 | 0.84 | 0.76 | 0.82 |
| — | +3.6% | +0.2% | -1.6% | -14.7% | +2.5% | +18.8% | +30.5% | +35.9% | -1.5% | -18.1% | -22.5% | -6.1% | |
| P/FCF | 11.32 | 11.31 | 7.78 | 8.78 | 8.17 | — | 10.75 | 18.19 | 16.37 | — | 5.77 | 18.88 | 3.59 |
| — | — | -27.6% | -51.7% | -50.1% | — | +86.4% | -3.6% | +355.4% | — | +18.7% | +174.4% | — | |
| EV / EBITDA | 9.85 | 7.40 | 5.67 | 8.15 | 8.37 | 11.96 | 27.58 | — | 14.97 | 7.28 | 3.40 | 1.95 | 3.26 |
| — | -38.1% | -79.4% | — | -44.1% | +64.2% | +712.3% | — | +358.8% | +45.2% | -32.0% | -53.5% | +17.2% | |
| EV / EBIT | 9.85 | 7.40 | 6.08 | 9.13 | 8.96 | 11.36 | 25.02 | — | 16.16 | 9.77 | 4.35 | 2.51 | 4.13 |
| — | -34.9% | -75.7% | — | -44.5% | +16.3% | +474.5% | — | +291.7% | +55.2% | -32.7% | -54.9% | +12.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Community West Bancshares's operating margin was 31.2% in Q4 2025, up 0.6 pp QoQ and up 10.0 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 27.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 8.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.6% | 74.7% | 74.4% | 68.3% | 72.6% | 68.6% | 68.1% | 44.8% | 73.6% | 80.0% | 77.9% | 80.1% | 87.4% |
| — | +8.9% | +9.3% | +52.6% | -1.3% | -14.2% | -12.6% | -44.1% | -15.9% | -13.3% | -17.1% | -17.3% | -9.9% | |
| Operating Margin | 27.0% | 31.2% | 30.6% | 22.2% | 24.1% | 21.2% | 9.1% | -17.6% | 17.8% | 27.8% | 30.6% | 30.5% | 36.7% |
| — | +47.2% | +235.5% | +226.6% | +35.3% | -23.7% | -70.2% | -157.6% | -51.5% | -35.3% | -18.9% | -25.0% | -9.2% | |
| Net Margin | 19.6% | 22.7% | 22.1% | 16.2% | 17.6% | 14.7% | 7.4% | -14.0% | 13.6% | 21.3% | 23.0% | 23.0% | 27.5% |
| — | +54.2% | +197.3% | +215.4% | +29.0% | -30.7% | -67.8% | -161.0% | -50.3% | -33.1% | -20.1% | -26.6% | -10.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 2.8% | 2.8% | 2.1% | 2.3% | 1.9% | 0.9% | -2.2% | 1.8% | 3.0% | 3.5% | 3.4% | 3.9% |
| — | +45.8% | +194.8% | +193.1% | +28.6% | -37.4% | -72.6% | -165.8% | -55.1% | -33.8% | -10.7% | -5.9% | +41.1% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.1% | -0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +56.5% | +213.5% | +203.0% | +54.6% | -19.2% | -62.8% | -184.1% | -46.9% | -23.1% | -2.9% | -7.4% | +14.2% | |
| ROIC | 7.0% | 2.2% | 2.2% | 1.5% | 1.5% | 1.3% | 0.5% | -1.3% | 1.0% | 1.9% | 2.5% | 2.5% | 2.6% |
| — | +68.3% | +302.4% | +212.9% | +46.2% | -30.8% | -78.1% | -152.3% | -60.4% | -33.3% | -5.5% | -13.2% | +11.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Community West Bancshares's Debt/EBITDA ratio is 9.3x, up from 5.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 1070.8% YoY to 1.63x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.35 | 0.23 | 0.41 | 0.55 | 0.56 | 0.56 | 0.63 | 0.65 | 0.72 | 0.38 | 0.37 | 0.38 |
| — | -37.9% | -59.3% | -34.8% | -15.0% | -22.5% | +45.1% | +69.3% | +68.9% | +9.3% | -35.6% | +29.6% | +85.6% | |
| Debt / EBITDA | 2.71 | 9.30 | 5.57 | 12.93 | 16.79 | 21.59 | 53.63 | — | 26.40 | 14.51 | 6.40 | 6.48 | 5.91 |
| — | -56.9% | -89.6% | — | -36.4% | +48.8% | +737.5% | — | +346.6% | +62.4% | -26.8% | +49.9% | +57.3% | |
| Current Ratio | 1.63 | 1.63 | 0.14 | 0.20 | 0.20 | 0.14 | 0.21 | 0.21 | 0.30 | 0.22 | 0.31 | 0.34 | 0.35 |
| — | +1070.8% | -36.4% | -7.8% | -33.3% | -36.0% | -31.2% | -37.5% | -13.6% | -37.4% | -13.6% | -9.6% | -41.3% | |
| Quick Ratio | 1.63 | 1.63 | 0.14 | 0.20 | 0.20 | 0.14 | 0.21 | 0.21 | 0.30 | 0.22 | 0.31 | 0.34 | 0.35 |
| — | +1070.8% | -36.4% | -7.8% | -33.3% | -36.0% | -31.2% | -37.5% | -13.6% | -37.4% | -13.6% | -9.6% | -41.3% | |
| Interest Coverage | 1.06 | 1.29 | 1.26 | 0.85 | 0.88 | 0.74 | 0.28 | -0.53 | 0.73 | 1.35 | 1.43 | 1.44 | 3.65 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Community West Bancshares's current P/E is 12.9x. The average P/E over the last 4 quarters is 10.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Community West Bancshares's current operating margin is 27.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Community West Bancshares's business trajectory between earnings reports.