Community West Bancshares (CWBC)
NASDAQ:CWBC
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Community West Bancshares
(NASDAQ:CWBC)
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Rating:72Outperform
Price Target:
$26.00
▲(6.91% Upside)
Action:Reiterated
Date:05/14/26
CWBC scores well primarily on improved financial performance (stronger profitability, cleaner leverage, and better cash flow support) and attractive valuation (low P/E with a dividend). The score is held back by softer technical momentum and some merger-related execution/legal overhang despite the strategic expansion.
Positive Factors
Profitability Recovery
TTM margin expansion and stronger operating profitability signal a meaningful recovery in core banking economics. Higher sustained margins improve internal capital generation, support dividends and reinvestment, and provide a larger earnings buffer versus credit or rate shocks over the medium term.
Negative Factors
Earnings Volatility
Historic swings in margins and earnings reduce predictability of recurring profits. Such volatility complicates capital planning and dividend sustainability, and raises sensitivity to rate cycles or one-time items, making medium-term earnings power less certain for stakeholders.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
TTM margin expansion and stronger operating profitability signal a meaningful recovery in core banking economics. Higher sustained margins improve internal capital generation, support dividends and reinvestment, and provide a larger earnings buffer versus credit or rate shocks over the medium term.
Read all positive factors
Community West Bancshares (CWBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$641.45M
Dividend Yield2.12%
Average Volume (3M)224.24K
Price to Earnings (P/E)9.7
Beta (1Y)0.81
Revenue Growth6.30%
EPS Growth234.95%
CountryUS
Employees342
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.17
Shares Outstanding27,134,207
10 Day Avg. Volume202,449
30 Day Avg. Volume224,239
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.04
Price to Sales (P/S)2.20
P/FCF Ratio9.80
Enterprise Value/Market Cap0.80
Enterprise Value/Revenue2.62
Enterprise Value/Gross Profit3.56
Enterprise Value/Ebitda8.69
Forecast
1Y Price Target
$28.25Price Target Upside16.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.18
Revenue Forecast (FY)$202.15M
Community West Bancshares Business Overview & Revenue Model
Company Description
Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California. The company offers deposit products, such as checking accounts, savings accounts, mon...
How the Company Makes Money
CWBC generates earnings primarily through its banking subsidiary by (1) earning interest income on loans and other interest-earning assets and (2) charging fees for banking services. The core revenue engine is net interest income: the bank collect...
Community West Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 196.90M | 194.60M | 164.20M | 108.10M | 86.66M | 81.45M |
| Gross Profit | 144.55M | 141.32M | 103.06M | 87.80M | 82.24M | 84.58M |
| EBITDA | 59.26M | 52.53M | 13.20M | 34.73M | 35.90M | 47.02M |
| Net Income | 41.36M | 38.17M | 7.67M | 25.54M | 26.64M | 28.40M |
Balance Sheet | ||||||
| Total Assets | 3.70B | 3.69B | 3.52B | 2.43B | 2.42B | 2.45B |
| Cash, Cash Equivalents and Short-Term Investments | 37.92M | 118.98M | 423.81M | 461.75M | 680.00M | 1.27B |
| Total Debt | 103.18M | 142.53M | 203.33M | 149.74M | 115.60M | 39.45M |
| Total Liabilities | 3.28B | 3.28B | 3.16B | 2.23B | 2.25B | 2.20B |
| Stockholders Equity | 419.20M | 409.59M | 362.69M | 207.06M | 174.66M | 247.84M |
Cash Flow | ||||||
| Free Cash Flow | 41.06M | 43.61M | 17.16M | 17.72M | 23.31M | 41.81M |
| Operating Cash Flow | 45.98M | 46.12M | 22.20M | 27.53M | 23.67M | 42.85M |
| Investing Cash Flow | -165.73M | -160.51M | 64.47M | 24.52M | -197.07M | -365.14M |
| Financing Cash Flow | 101.69M | 112.97M | -20.00M | -29.49M | 41.10M | 415.47M |
Community West Bancshares Technical Analysis
Positive
24.32
Price Trends
23.34
Positive
23.36
Positive
22.23
Positive
Market Momentum
-0.04
Positive
51.17
Neutral
26.06
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CWBC, the sentiment is Positive. The current price of 24.32 is above the 20-day moving average (MA) of 23.66, above the 50-day MA of 23.34, and above the 200-day MA of 22.23, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 51.17 is Neutral, neither overbought nor oversold. The STOCH value of 26.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CWBC.
Community West Bancshares Risk Analysis
Community West Bancshares disclosed 47 risk factors in its most recent earnings report. Community West Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Community West Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $451.58M | 9.46 | 16.09% | 2.00% | 10.89% | 40.90% | |
75 Outperform | $419.96M | 11.99 | 11.26% | 3.76% | -30.41% | -412.21% | |
75 Outperform | $523.12M | 7.87 | 10.21% | 2.96% | 4.52% | 19.77% | |
73 Outperform | $569.24M | 6.43 | 6.16% | 5.87% | -19.77% | ― | |
72 Outperform | $641.45M | 9.66 | 10.30% | 2.12% | 6.30% | 234.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $389.33M | 13.05 | 9.60% | 1.41% | 7.99% | 8.25% |
* Financial Sector Average
CWBC
Community West Bancshares
23.64
6.02
34.14%
BMRC
Bank Of Marin Bancorp
25.94
5.82
28.93%
CIVB
Civista Bancshares
25.17
3.21
14.61%
MSBI
Midland States Bancrop
27.46
11.45
71.49%
FRBA
First Bank
15.49
0.96
6.60%
OBT
Orange County Bancorp
33.68
8.10
31.68%
Community West Bancshares Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Community West Bancshares Completes Merger and Boosts Earnings
Positive
Apr 23, 2026
Community West Bancshares reported unaudited net income of $11.49 million, or $0.60 per diluted share, for the quarter ended March 31, 2026, up from $8.29 million and $0.44 per share a year earlier, driven by higher net interest income, modest loa...
Business Operations and StrategyM&A TransactionsShareholder Meetings
Community West Bancshares Completes Merger With United Security
Positive
Apr 1, 2026
On April 1, 2026, Community West Bancshares completed its all-stock merger with United Security Bancshares, in which USB merged into Community West and United Security Bank merged into Community West Bank, with both Community West entities survivi...
Legal ProceedingsM&A TransactionsRegulatory Filings and ComplianceShareholder Meetings
Community West Bancshares Advances Merger Amid Shareholder Challenges
Negative
Mar 20, 2026
Community West Bancshares and United Security Bancshares, both based in California, moved forward with their previously announced merger agreement from December 16, 2025, as the SEC declared effective the S-4 registration and joint proxy statement...
Business Operations and StrategyM&A TransactionsRegulatory Filings and ComplianceShareholder Meetings
Community West Bancshares Gains Key Approvals for Merger
Positive
Mar 17, 2026
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 bo...
Business Operations and StrategyExecutive/Board Changes
Community West Bancshares Announces COO Blaine Lauhon Retirement
Neutral
Mar 4, 2026
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 ban...
Executive/Board Changes
Community West Bancshares Announces Upcoming Board Leadership Changes
Neutral
Feb 20, 2026
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 Ma...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.