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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 | 43.61M | 17.16M | 17.72M | 23.31M | 41.81M |
| Operating Cash Flow | 46.12M | 22.20M | 27.53M | 23.67M | 42.85M |
| Investing Cash Flow | -160.51M | 64.47M | 24.52M | -197.07M | -365.14M |
| Financing Cash Flow | 112.97M | -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 |
|---|---|---|---|---|---|---|---|
72 Outperform | $411.35M | 7.66 | 16.51% | 2.00% | 8.90% | 18.23% | |
69 Neutral | $425.75M | 9.59 | 9.79% | 2.12% | 32.03% | 170.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $384.05M | 9.41 | 10.03% | 1.41% | 9.76% | 4.43% | |
64 Neutral | $453.27M | 8.42 | 9.73% | 2.96% | 3.49% | 33.86% | |
63 Neutral | $380.26M | 9.53 | 2.24% | 3.76% | 23.93% | ― | |
54 Neutral | $435.95M | -3.72 | -17.52% | 5.87% | 12.76% | -401.62% |
Community West Bancshares Corporate Events
On March 16, 2026, Community West Bancshares and United Security Bancshares announced they had received required approvals from federal and California banking regulators, plus a Federal Reserve waiver, for their planned merger that will combine both holding companies and their subsidiary banks. The transaction, still subject to shareholder approval at March 30, 2026 special meetings and other customary conditions, is expected to close in the second quarter of 2026, with systems conversion targeted for the third quarter.
Upon completion, the combined institution is projected to hold about $5 billion in assets and operate banking centers across 31 communities in 13 Central California counties, significantly expanding Community West’s regional footprint. Executives from both banks said the deal will create a stronger community banking platform with greater lending capacity and long-term value for clients, employees, communities and shareholders, while emphasizing shared values and relationship-based banking as competitive pillars in the Central California market.
The most recent analyst rating on (CWBC) stock is a Hold with a $24.50 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
Community West Bank announced on March 3, 2026, that Executive Vice President and Chief Operating Officer Blaine C. Lauhon will retire effective December 31, 2026, concluding a banking career of more than 40 years. Lauhon formally notified the bank of his retirement intention on February 25, 2026, and his departure will mark the end of nearly a decade of service with Community West Bank.
Since joining the bank in 2017 through its acquisition of Folsom Lake Bank, Lauhon has held a series of senior roles, most recently overseeing key operational areas including loan operations, technology, data analytics, and marketing. His retirement represents a significant leadership transition for the growing community bank, which executives say has been strategically positioned for long-term success under his guidance as it continues to expand across Central California.
The most recent analyst rating on (CWBC) stock is a Buy with a $28.00 price target. To see the full list of analyst forecasts on Community West Bancshares stock, see the CWBC Stock Forecast page.
On February 18, 2026, Community West Bancshares announced that long-serving directors William S. Smittcamp and Tom L. Dobyns notified the board of their intention to retire from both the holding company and Community West Bank boards, effective March 31, 2026. The move marks an upcoming governance transition at the Fresno-based community bank as it continues to serve Central California markets.
In a February 20, 2026 release, the company highlighted Smittcamp’s 39 years of service, noting his role in guiding the bank from its early years through multiple growth phases and CEO successions. Board leaders praised his contributions in governance, committee leadership and recruitment, emphasizing his influence on maintaining a relationship-driven, community banking culture.
Smittcamp, president, CEO and owner of Wawona Frozen Foods, brought deep agricultural and family-business experience to the bank’s board, informing its understanding of key Central Valley industries. Executives said his practical perspective and community ties helped shape strategic decisions in markets where agriculture and family enterprises are central to the economy.
The company underscored Smittcamp’s civic profile across California’s Central Valley, citing service on boards for healthcare, water, higher education and industry associations, as well as multiple awards for leadership, philanthropy and agricultural impact. His retirement signals the eventual need for new board leadership with similarly strong regional ties, which could influence Community West’s future governance and community engagement priorities.
The most recent analyst rating on (CWBC) stock is a Buy with a $28.00 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 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.