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Community West Bancshares

CWBC Financial Banks Regional

Community West Bancshares' revenue for fiscal 2025 (year ended December 2025) was $196.2 million, up 17.6% from fiscal 2024.

Revenue
+46.2%
EPS
−47.4%
Free cash flow
+65.6%
Total debt
+7.02%

Quarter to September 2026, against a year earlier

26.10 0.64 −2.39%
Market cap
$707.1M
P/E
16.4×
Fwd P/E
15.8×
Dividend yield
1.84%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.22
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 1 6 — — 2 2 1 5 — — —
Sell — — — — — — — — — — — —
Insider Ownership 10.05%

Capital & Financial Ratios $m

Size
Market Cap 707.13
Revenue ttm 237.90
Net income ttm 33.42
Free cash flow ttm 48.26
Net debt Q (103.35)
Valuation
P/E 16.42
Forward P/E 15.80
Price / sales 2.97
Forward P/S Powerpack
Price / FCF 14.65
Price / book 1.17
Financial health
Current ratio Q 0.00
Debt / equity Q 0.12
Interest coverage Q —
Growth
Revenue growth Q +46.15% (above 0%: growing)
Operating income growth Q −61.30% (below 0%: shrinking)
EPS, this year −17.67% (below 0%: weak)
EPS, next year A +80.77% (at or above 15%: strong)
Revenue, next year A +6.37%
EPS, past 5 yrs +4.30%
EPS, next 5 yrs A +16.08% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 80.86%
10-year low 10-year high
P/S against its own 10 years 52.29%
10-year low 10-year high
P/B against its own 10 years 64.43%
10-year low 10-year high

Dividends

Yield
1.84%
Annual rate
0.48
Payout ratio
30.4%
Growth, 2018–26
−0.51%/yr
  1. 0.50 ’18
  2. 0.65 ’19 +29
  3. 0.53 ’20 −19
  4. 0.74 ’21 +41
  5. 0.66 ’22 −11
  6. 0.68 ’23 +4
  7. 0.56 ’24 −18
  8. 0.48 ’25 −14
  9. 0.48 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 54 120 119 178
Receivables — — — —
Inventory — — — —
Other — — — —
1,411 2,542 2,733 —
2023 2024 2025 Q'26
Payables 2,042 2,911 3,095 4,220
ST’ Debt — — — —
Other — — — —
2,157 3,089 3,211 4,336

Compound Annual Growth %

10y 5y 3y
Sales 14.38% 19.71% 30.62%
Cash Flow 10.16% 22.11% 24.90%
Earnings 13.29% 13.41% 12.73%
Book Value 11.39% 10.82% 32.86%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.65 Actual 0.66

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.57 0.60 Beat by 0.03
Q1 FY26 0.56 0.61 Beat by 0.05
Q2 FY26 0.61 0.45 Miss by 0.16
Q3 FY26 0.65 0.66 Beat by 0.01
Q4 FY26 0.70 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.60 0.10 0.30 — —
’25 0.44 0.41 0.57 0.58 2.00
’24 0.31 (0.33) 0.18 0.36 0.45
’23 0.59 0.54 0.54 0.50 2.17
’22 0.51 0.56 0.55 0.65 2.27
’21 0.60 0.60 0.54 0.57 2.31
’20 0.52 0.18 0.35 0.57 1.62
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 51 64 73 — —
’25 48 48 50 50 196
’24 27 45 46 48 167
’23 26 28 28 28 109
’22 20 21 22 24 88
’21 20 20 21 22 83
’20 23 18 19 20 80
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 11 20 — — —
’25 11 12 13 10 46
’24 4 5 8 5 22
’23 11 5 8 4 28
’22 (1) 6 8 10 24
’21 6 21 4 11 43
’20 6 (4) 5 10 17
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 8 18 — — —
’25 11 11 13 10 44
’24 4 5 5 4 17
’23 10 2 9 0 21
’22 (1) 6 8 9 23
’21 6 21 4 11 42
’20 6 (4) 5 9 16
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 56 68 75 80 80 83 88 109 167 196 238 +14.9% 209 239 252 +8.6%
Gross margin, % 98.05 98.33 98.01 96.79 98.00 98.43 96.11 81.73 70.02 74.76 77.37 (23.3) pt
EBT 22 24 28 30 27 38 35 34 11 53 46 +10.1%
EBT margin, % 39.28 34.92 37.46 37.61 34.16 45.88 39.91 30.92 6.59 26.77 19.54 (12.5) pt
Net income 15 14 21 21 20 28 27 26 8 38 33 +10.8%
Per share, $
Per share, $ Revenue 4.97 5.47 5.44 5.94 6.37 6.77 7.52 9.33 9.77 10.33 8.78 +8.5%
Earnings 1.34 1.12 1.55 1.60 1.62 2.32 2.27 2.17 0.45 2.01 1.59 +4.6%
Cash flow 1.15 2.02 2.18 1.62 1.36 3.50 2.02 2.35 1.30 2.43 0.00 +8.7%
Capex (0.08) (0.07) (0.06) (0.07) (0.12) (0.08) (0.03) (0.56) (0.29) (0.12) 0.00 +4.8%
Free cash flow 1.07 1.95 2.13 1.55 1.24 3.42 1.99 1.79 1.01 2.31 0.00 +8.9%
Book value 14.48 16.80 16.04 17.01 19.55 20.25 14.91 17.65 21.24 21.56 22.23 +4.5%
Shares, m 11 12 14 13 13 12 12 12 17 19 23 +5.9%
Valuation, ×
Valuation, × P/E 14.71 17.46 12.17 13.54 9.19 8.95 9.28 10.24 36.55 11.19 16.42 14.3
P/S 4.00 3.67 3.47 3.65 2.34 3.07 2.80 2.39 1.98 2.18 2.97 3.0
P/B 1.37 1.20 1.18 1.27 0.76 1.03 1.41 1.26 0.91 1.04 1.17 1.1
EV/Sales 3.41 2.28 3.11 3.06 1.52 1.57 3.24 2.54 1.68 1.93 — 2.4
EV/FCF 15.78 6.37 7.97 11.67 7.84 3.11 12.23 13.25 16.31 8.60 — 10.3
Cash, $m
Cash, $m Operating cash flow 13 25 30 22 17 43 24 28 22 46 54 +15.1%
Capex (1) (1) (1) (1) (1) (1) 0 (7) (5) (2) (6) +11.0%
Free cash flow 12 24 29 21 16 42 23 21 17 44 48 +15.4%
Balance, $m
Balance, $m Working capital (458) (429) (346) (344) (565) (937) (825) (746) (547) (478) (4,336) +0.5%
Net debt (33) (95) (27) (47) (65) (124) 38 16 (51) (49) (103) +4.5%
Shareholders’ equity 164 210 220 228 245 248 175 207 363 410 602 +10.7%
Returns, %
Returns, % ROA 1.12 0.90 1.33 1.37 1.13 1.28 1.09 1.05 0.26 1.06 0.77 (0.1) pt
ROIC 11.43 14.02 9.10 10.36 9.47 19.19 10.31 9.81 4.13 9.25 0.00 (2.2) pt
ROE 10.01 7.51 9.92 9.58 8.60 11.52 12.61 13.38 2.69 9.88 6.69 (0.1) pt
People
People Employees 319 343 309 288 287 247 262 267 355 341 — +0.7%
Revenue/emp, $m 0.18 0.20 0.24 0.28 0.28 0.34 0.34 0.41 0.47 0.58 — +14.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Community West Bancshares vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PFIS Peoples Financial Services Corp. $730.2M 12.9× 11.0× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
VBNK VersaBank $724.9M 29.4× 25.8× +19.17% (above 0%: growing) +46.67% (above 0%: growing) −124.97% (below 0%: shrinking) 42.29% 0.00% Compare
AROW Arrow Financial Corporation $715.6M 12.5× 13.6× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
CWBC Community West Bancshares $707.1M 14.0× 15.8× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00%
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
RRBI Red River Bancshares, Inc. $687.9M 15.0× 14.2× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
Median of peers $693.8M 12.7× 12.2× +7.42% +14.34% +22.02% 72.42% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 10 April 2026

Ownership

Directors and executive officers, together 9.03%
BlackRock, Inc. 6.09%
Fourthstone LLC 5.76%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Community West Bancshares (CWBC) Latest News

23 Oct

Impact 3 · · Zacks

22 Oct

Impact 4 · · Zacks
Impact 3 · · Associated Press

23 Jul

Impact 3 ·
Impact 3 ·

23 Apr

Impact 4 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Business Wire

15 Apr

Impact 3 · · Zacks
Impact 3 · · Zacks

1 Apr

Impact 4 · · Business Wire

16 Mar

Impact 4 · · Business Wire

1 Feb

Impact 3 · · Simply Wall St.

29 Jan

Impact 4 · · Zacks

28 Jan

Impact 3 · · Zacks
Impact 3 · · Zacks

26 Jan

Impact 3 · · Business Wire

22 Jan

Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 · · Simply Wall St.
Impact 3 · · Zacks
Impact 3 ·

19 Jan

Impact 3 · · Simply Wall St.

15 Jan

Impact 4 · · Simply Wall St.

30 Dec

Impact 3 ·

29 Dec

Impact 3 · · Simply Wall St.

26 Dec

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

25 Dec

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.
stockrow.com/CWBC · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com