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Community West Bancshares
(NASDAQ:CWBC)
Community West Bancshares (CWBC) vs. SPDR S&P 500 ETF (SPY)
Community West Bancshares Business Overview & Revenue Model
Community West Bancshares Financial Statement Overview
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 194.60M | 164.20M | 108.10M | 86.66M | 81.45M |
| Gross Profit | 141.32M | 103.06M | 87.80M | 82.24M | 84.58M |
| EBITDA | 52.53M | 13.20M | 34.73M | 35.90M | 47.02M |
| Net Income | 38.17M | 7.67M | 25.54M | 26.64M | 28.40M |
Balance Sheet | |||||
| Total Assets | 3.69B | 3.52B | 2.43B | 2.42B | 2.45B |
| Cash, Cash Equivalents and Short-Term Investments | 118.98M | 423.81M | 461.75M | 680.00M | 1.27B |
| Total Debt | 142.53M | 203.33M | 149.74M | 115.60M | 39.45M |
| Total Liabilities | 3.28B | 3.16B | 2.23B | 2.25B | 2.20B |
| Stockholders Equity | 409.59M | 362.69M | 207.06M | 174.66M | 247.84M |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 17.16M | 17.72M | 23.31M | 41.81M |
| Operating Cash Flow | 0.00 | 22.20M | 27.53M | 23.67M | 42.85M |
| Investing Cash Flow | 0.00 | 64.47M | 24.52M | -197.07M | -365.14M |
| Financing Cash Flow | 0.00 | -20.00M | -29.49M | 41.10M | 415.47M |
Community West Bancshares Technical Analysis
Community West Bancshares Risk Analysis
Community West Bancshares Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $467.03M | 10.50 | 15.69% | 2.00% | 8.90% | 18.23% | |
74 Outperform | $465.21M | 12.14 | 8.91% | 2.12% | 32.03% | 170.90% | |
72 Outperform | $425.53M | 9.73 | 10.03% | 1.41% | 9.76% | 4.43% | |
70 Outperform | $432.79M | -11.97 | 2.24% | 3.76% | 23.93% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $499.14M | -3.78 | -17.52% | 5.87% | 12.76% | -401.62% | |
60 Neutral | $461.96M | 9.06 | 9.73% | 2.96% | 3.49% | 33.86% |
Community West Bancshares Corporate Events
Community West Bancshares reported solid financial performance as of December 31, 2025, highlighted by total assets of $3.69 billion, net income of $38.17 million, diluted EPS of $2.00, and a net interest margin of 4.15%, with returns on average assets and equity of 1.07% and 9.92%, respectively, while maintaining stable credit quality with nonperforming assets at 0.19% of total assets and capital ratios comfortably above regulatory minimums. The company’s executive management is scheduled to participate in the Janney 2026 CEO Forum on February 4–5, 2026, using an investor presentation that underscores its financial momentum, dividend consistency, and positioning as an attractive investment opportunity in the community banking sector despite a competitive and uncertain macroeconomic environment.
The most recent analyst rating on (CWBC) stock is a Buy with a $29.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
On January 21, 2026, Community West Bancshares announced that board member Suzanne M. Chadwick will retire from the boards of both the company and its subsidiary Community West Bank, effective March 31, 2026, after joining the combined organization’s board on April 1, 2024 following a transformative merger. The company highlighted Chadwick’s key role in integrating the merger, including the addition of seven banking centers and staff across California’s Central Coast, and her contributions on key committees drawing on more than 40 years of banking experience and deep regional relationships; concurrently, the boards appointed Andriana D. Majarian as Lead Independent Director, succeeding Daniel N. Cunningham, signaling an orderly transition in board leadership with potential implications for ongoing governance and strategic oversight.
The most recent analyst rating on (CWBC) stock is a Buy with a $29.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
Community West Bancshares reported unaudited consolidated net income of $11.17 million, or $0.58 per diluted share, for the quarter ended December 31, 2025, up sharply from $6.90 million, or $0.36 per share, a year earlier, supported by higher net interest income, improving net interest margin and disciplined credit provisioning. The company grew gross loans by 3.66% quarter-over-quarter and 8.85% year-to-date, increased deposits while holding the cost of deposits steady, and delivered stronger returns on assets and equity alongside robust capital ratios, while its board declared a $0.12 per-share cash dividend payable on February 20, 2026 to shareholders of record on February 6, 2026. Against this backdrop, Community West highlighted its December 17, 2025 definitive merger agreement with United Security Bancshares, which is expected to create a roughly $5 billion-asset institution and further entrench its Central California presence, suggesting a meaningful step-up in scale and market positioning for clients, employees and shareholders.
The most recent analyst rating on (CWBC) stock is a Hold with a $25.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
On January 16, 2026, Community West Bancshares announced that founding board member Daniel N. Cunningham will retire from the board upon completion of his term on May 20, 2026, after 46 years of service, and will be appointed Director Emeritus at that time, becoming only the fourth person to hold this honorary role since the company’s founding. Cunningham’s long tenure as chairman, lead independent director, and vice chairman has shaped the bank’s governance, strategy, and relationship-based culture through multiple economic and industry cycles, and his continued involvement as Director Emeritus is intended to preserve leadership continuity and institutional knowledge for employees, clients, and the communities the bank serves.
The most recent analyst rating on (CWBC) stock is a Hold with a $25.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
On December 17, 2025, Community West Bancshares and United Security Bancshares announced that, in connection with their previously disclosed all-stock merger agreement, United Security Bancshares directors Jagroop “Jay” Gill and Dora Westerlund will join the Community West Bancshares board upon completion of the merger, subject to corporate governance requirements. Gill, currently the largest shareholder and vice chairman of United Security Bancshares, is expected to become vice chairman of Community West Bancshares’ board, a move that aims to carry leadership continuity and regional expertise into the combined institution as it pursues a more robust and visible Central California banking franchise.
The most recent analyst rating on (CWBC) stock is a Buy with a $26.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
On December 16, 2025, Community West Bancshares and United Security Bancshares announced their merger agreement, valued at approximately $191.9 million. This strategic merger aims to form a combined entity with $5 billion in total assets, enhancing their market reach across Central California. The deal will transfer United Security Bank’s 13 branches to Community West Bank, and two United Security Bancshares board members, including its chairman and CEO Dennis Woods, will take leadership roles in the combined entity. This move is expected to strengthen their banking operations, expand client services, and create value for shareholders through greater lending capacity, economies of scale, and stronger community impact.
The most recent analyst rating on (CWBC) stock is a Buy with a $26.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
On November 7, 2025, Martin E. Plourd announced his retirement as President of Community West Bancshares, effective March 31, 2026, after a 45-year career in banking. He will continue to serve as a director on the boards of both Community West Bancshares and Community West Bank. James J. Kim, currently CEO of the company and CEO and President of the bank, will assume the roles of CEO and President of both entities starting April 1, 2026. This leadership transition is expected to maintain stability and continuity within the company, leveraging Kim’s existing leadership experience.
The most recent analyst rating on (CWBC) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.