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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. In the quarter to June 2026, revenue grew 32.6%, EPS fell 75.6%, free cash flow grew 65.6% and total debt rose 7.62%, each against the same quarter a year earlier. Revenue growth for ten consecutive years; insiders bought in the last twelve months.

25.75 0.02 −0.08%
Market cap
$699.2M
P/E
13.8×
Fwd P/E
11.5×
Dividend yield
1.86%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.24
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 5 — 1 6 — — 2 2 1 5 — —
Sell — — — — — — — — — — — —
Insider Ownership 9.98%

Capital & Financial Ratios $m

Market Cap 699.17
Revenue 214.89
Net Income 36.23
Free Cash Flow 48.26
Net Debt (131.55)
Current Ratio 0.89
Debt/Equity 0.12
P/E ratio 13.84
Fwd P/E 11.50
P/S ratio 3.24
P/B ratio 1.15
Past 5Y EPS Growth 4.30%
This Y EPS Growth (2.75%) (below 0%: weak)
Next Y EPS Growth 53.04% (at or above 15%: strong)
Next Y revenue growth 5.45%
Next 5Y EPS Growth 86.89% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 67.86%
10-year low 10-year high
P/S against its own 10 years 60.74%
10-year low 10-year high
P/B against its own 10 years 58.50%
10-year low 10-year high

Dividends

Payout Ratio 0.26
Annual Dividend Rate 0.48
Annual Dividend Yield 1.86%
total individual payouts
2027 Powerpack
2026 0.48
0.12
0.12
0.12
2025 0.48
0.12
0.12
0.12
0.12
2024 0.56
0.12
0.08
0.12
0.12
0.12
2023 0.68
0.08
0.12
0.08
0.12
0.08
0.12
0.08
2022 0.66
0.07
0.12
0.08
0.12
0.08
0.12
0.08
2021 0.74
0.06
0.11
0.12
0.07
0.12
0.07
0.12
0.07
2020 0.53
0.11
0.06
0.11
0.05
0.11
0.05
0.05
2019 0.65
0.10
0.05
0.11
0.06
0.11
0.06
0.11
0.06
2018 0.50
0.07
0.04
0.07
0.05
0.08
0.05
0.09
0.05
2017 0.34
0.04
0.06
0.04
0.06
0.04
0.06
0.04
2016 0.38
0.06
0.03
0.06
0.04
0.06
0.04
0.06
0.04
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 54 120 119 207
Receivables — — — —
Inventory — — — —
Other — — — —
1,411 2,542 2,733 3,858
2023 2024 2025 Q'26
Payables 2,042 2,911 3,095 4,119
ST’ Debt — — — —
Other — — — —
2,157 3,089 3,211 4,351

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%

Revenue $m

Mar Jun Sep Dec Year
’26 51 64 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.60 0.10 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 9.45 17.62 15.66 18.10 10.59 14.89 14.16 12.59 15.50 15.57

Analyst estimates 2026–2028

Powerpack
High 20.00 23.94 22.34 22.15 21.69 23.83 23.99 25.99 24.47 24.37
People
People Employees 319 343 309 288 287 247 262 267 355 341
Revenue/emp, $m 0.18 0.20 0.24 0.28 0.28 0.34 0.34 0.41 0.47 0.58
Income, $m
Income, $m Revenue 56 68 75 80 80 83 88 109 167 196
Gross margin, % 98.05 98.33 98.01 96.79 98.00 98.43 96.11 81.73 70.02 74.76
EBT 22 24 28 30 27 38 35 34 11 53
EBT margin, % 39.28 34.92 37.46 37.61 34.16 45.88 39.91 30.92 6.59 26.77
Net income 15 14 21 21 20 28 27 26 8 38
Depreciation 8 9 7 5 4 8 8 8 6 2
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
Earnings 1.34 1.12 1.55 1.60 1.62 2.32 2.27 2.17 0.45 2.01
Cash flow 1.15 2.02 2.18 1.62 1.36 3.50 2.02 2.35 1.30 2.43
Capex (0.08) (0.07) (0.06) (0.07) (0.12) (0.08) (0.03) (0.56) (0.29) (0.12)
Free cash flow 1.07 1.95 2.13 1.55 1.24 3.42 1.99 1.79 1.01 2.31
Book value 14.48 16.80 16.04 17.01 19.55 20.25 14.91 17.65 21.24 21.56
Shares, m 11 12 14 13 13 12 12 12 17 19
Valuation, ×
Valuation, × P/E 14.71 17.46 12.17 13.54 9.19 8.95 9.28 10.24 36.55 11.19
P/S 4.00 3.67 3.47 3.65 2.34 3.07 2.80 2.39 1.98 2.18
P/B 1.37 1.20 1.18 1.27 0.76 1.03 1.41 1.26 0.91 1.04
EV/Sales 3.41 2.28 3.11 3.06 1.52 1.57 3.24 2.54 1.68 1.93
EV/FCF 15.78 6.37 7.97 11.67 7.84 3.11 12.23 13.25 16.31 8.60
Cash, $m
Cash, $m Operating cash flow 13 25 30 22 17 43 24 28 22 46
Capex (1) (1) (1) (1) (1) (1) 0 (7) (5) (2)
Free cash flow 12 24 29 21 16 42 23 21 17 44
Balance, $m
Balance, $m Working capital (458) (429) (346) (344) (565) (937) (825) (746) (547) (478)
Total debt 5 5 5 5 5 39 70 70 70 70
Net debt (33) (95) (27) (47) (65) (124) 38 16 (51) (49)
Shareholders’ equity 164 210 220 228 245 248 175 207 363 410
Returns, %
Returns, % ROA 1.12 0.90 1.33 1.37 1.13 1.28 1.09 1.05 0.26 1.06
ROIC 11.43 14.02 9.10 10.36 9.47 19.19 10.31 9.81 4.13 9.25
ROE 10.01 7.51 9.92 9.58 8.60 11.52 12.61 13.38 2.69 9.88
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
VBNK VersaBank $725.9M 29.3× 18.0× +19.17% (above 0%: growing) +46.67% (above 0%: growing) −124.97% (below 0%: shrinking) 42.29% 0.00% Compare
WASH Washington Trust Bancorp, Inc. $707.1M 12.7× 10.7× −2.18% (below 0%: shrinking) +21.74% (above 0%: growing) +101.28% (above 0%: growing) 64.44% 0.00% Compare
CWBC Community West Bancshares $699.2M 13.8× 11.5× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00%
BCAL California BanCorp $698.0M 11.7× 11.5× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
TCBX Third Coast Bancshares, Inc. $689.5M 8.8× 10.6× +24.52% (above 0%: growing) +11.61% (above 0%: growing) +223.46% (above 0%: growing) 59.80% 0.00% Compare
AROW Arrow Financial Corporation $681.7M 11.9× 13.8× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
PFIS Peoples Financial Services Corp. $681.2M 12.0× 9.2× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
CARE Carter Bankshares, Inc. $671.8M 5.2× 4.6× +44.00% (above 0%: growing) +254.05% (above 0%: growing) −3,522.21% (below 0%: shrinking) 76.12% 0.00% Compare
MSBI Midland States Bancorp, Inc. $670.3M 20.7× 9.1× −7.83% (below 0%: shrinking) +86.36% (above 0%: growing) +9.48% (above 0%: growing) 74.46% 0.00% Compare
Median of peers $685.6M 12.0× 10.6× +4.17% +16.68% +23.35% 70.81% 0.00%

All 323 Banks Regional stocks →

Community West Bancshares (CWBC) key facts

  • Strength: Community West Bancshares' revenue for fiscal 2025 (year ended December 2025) was $196.2 million, up 17.6% from fiscal 2024.
  • Community West Bancshares (CWBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CWBC traded at $25.75, a market capitalization of $699.2 million.
  • Community West Bancshares pays an annual dividend of $0.48 per share, a yield of 1.86%, with a payout ratio of 26.0%.
  • Return on equity was 9.88% and debt-to-equity 0.12.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Community West Bancshares (CWBC) Latest News

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stockrow.com/CWBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com