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Financial Services - Banks - Regional - NASDAQ - US
$ 16.6
-0.36 %
$ 316 M
Market Cap
36.89
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CWBC stock under the worst case scenario is HIDDEN Compared to the current market price of 16.6 USD, Community West Bancshares is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CWBC stock under the base case scenario is HIDDEN Compared to the current market price of 16.6 USD, Community West Bancshares is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CWBC stock under the best case scenario is HIDDEN Compared to the current market price of 16.6 USD, Community West Bancshares is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CWBC

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$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.0$18.0$18.0$17.0$17.0$16.0$16.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
114 M REVENUE
98.49%
0 OPERATING INCOME
100.00%
7.67 M NET INCOME
-69.98%
22.2 M OPERATING CASH FLOW
-20.29%
64.5 M INVESTING CASH FLOW
166.48%
-20 M FINANCING CASH FLOW
32.16%
33.4 M REVENUE
9.31%
0 OPERATING INCOME
0.00%
6.9 M NET INCOME
103.69%
924 K OPERATING CASH FLOW
-91.58%
-14.2 M INVESTING CASH FLOW
-669.62%
-15.4 M FINANCING CASH FLOW
-50.90%
Balance Sheet Community West Bancshares
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Current Assets 424 M
Cash & Short-Term Investments 424 M
Receivables 0
Other Current Assets 0
Non-Current Assets 3.1 B
Long-Term Investments 785 M
PP&E 24.5 M
Other Non-Current Assets 2.29 B
12.03 %22.29 %64.98 %Total Assets$3.5b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 133 M
Other Current Liabilities -133 M
Non-Current Liabilities 0
Long-Term Debt 69.9 M
Other Non-Current Liabilities -69.9 M
Infinity %Infinity %Total Liabilities$0.0
EFFICIENCY
Earnings Waterfall Community West Bancshares
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Revenue 114 M
Cost Of Revenue 0
Gross Profit 114 M
Operating Expenses 114 M
Operating Income 0
Other Expenses -7.67 M
Net Income 7.67 M
120m120m100m100m80m80m60m60m40m40m20m20m00114m0114m(114m)08m8mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
6.71% NET MARGIN
6.71%
2.11% ROE
2.11%
0.22% ROA
0.22%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Community West Bancshares
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25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 7.67 M
Depreciation & Amortization 2.21 M
Capital Expenditures -5.04 M
Stock-Based Compensation 879 K
Change in Working Capital 254 K
Others 12.1 M
Free Cash Flow 17.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Community West Bancshares
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CWBC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.62% DIVIDEND YIELD
0.12 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.5000.5000.4500.4500.4000.4000.3500.3500.3000.3000.2500.2500.2000.2000.1500.1500.1000.1000.0500.0500.0000.0000.020.060.030.060.070.050.110.060.110.120.120.120.080.120.030.060.060.0350.060.040.070.050.110.0550.110.0450.120.120.0750.120.080.120.060.060.0350.060.040.080.050.110.0550.110.0450.120.070.120.0750.120.080.120.060.170.030.210.060.190.0350.190.060.230.040.210.090.320.050.270.110.390.0550.340.110.380.120.410.070.340.120.480.0750.220.120.360.080.240.120.362015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Community West Bancshares
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Sold
0-3 MONTHS
149 K USD 1
3-6 MONTHS
474 K USD 1
6-9 MONTHS
60.1 K USD 2
9-12 MONTHS
0 USD 0
Bought
120 K USD 10
0-3 MONTHS
57.3 K USD 8
3-6 MONTHS
11.6 K USD 4
6-9 MONTHS
280 K USD 7
9-12 MONTHS
7. News
Community West Bancshares (CWBC) Upgraded to Buy: Here's Why Community West Bancshares (CWBC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 2 weeks ago
Community West Bank Appoints Hinson M. Thomas as Chief Credit Officer FRESNO, Calif.--(BUSINESS WIRE)-- #cwbc--James J. Kim, President and CEO of Community West Bank (the Bank), announced today the appointment of Hinson M. Thomas as Executive Vice President and Chief Credit Officer (CCO) for the Bank, effective March 17, 2025. Thomas brings over 30 years of experience in credit risk management, commercial banking and lending. Most recently, he served as EVP, Chief Credit Officer for a California-based community bank. A respected financial services industry leader, Thomas. businesswire.com - 1 month ago
Community West Bancshares (CWBC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Community West Bancshares (CWBC) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Community West Bancshares (CWBC) Q4 Earnings Lag Estimates Community West Bancshares (CWBC) came out with quarterly earnings of $0.38 per share, missing the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.50 per share a year ago. zacks.com - 2 months ago
Community West Bancshares (CWBC) Reports Q3 Earnings: What Key Metrics Have to Say Although the revenue and EPS for Community West Bancshares (CWBC) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 5 months ago
Community West Bancshares (CWBC) Lags Q3 Earnings and Revenue Estimates Community West Bancshares (CWBC) came out with quarterly earnings of $0.30 per share, missing the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.54 per share a year ago. zacks.com - 5 months ago
Earnings Preview: Community West Bancshares (CWBC) Q3 Earnings Expected to Decline Community West Bancshares (CWBC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 6 months ago
Community West Bancshares (CWBC) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates Although the revenue and EPS for Community West Bancshares (CWBC) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 8 months ago
Community West Bancshares (CWBC) Q2 Earnings Beat Estimates Community West Bancshares (CWBC) came out with quarterly earnings of $0.41 per share, beating the Zacks Consensus Estimate of a loss of $0.01 per share. This compares to earnings of $0.54 per share a year ago. zacks.com - 8 months ago
Here's What Key Metrics Tell Us About Community West Bancshares (CWBC) Q1 Earnings The headline numbers for Community West Bancshares (CWBC) give insight into how the company performed in the quarter ended March 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 year ago
Central Valley Community Bancorp (CWBC) Misses Q1 Earnings and Revenue Estimates Central Valley Community Bancorp (CWBC) came out with quarterly earnings of $0.31 per share, missing the Zacks Consensus Estimate of $0.46 per share. This compares to earnings of $0.59 per share a year ago. zacks.com - 1 year ago
Community West Bancshares Reports Earnings Results for the Quarter Ended March 31, 2024, and Quarterly Dividend FRESNO, Calif.--(BUSINESS WIRE)-- #CWBC--The Board of Directors of Community West Bancshares (“Company”) (NASDAQ: CWBC), the parent company of Community West Bank (“Bank”), reported today unaudited consolidated net income of $3,676,000, and fully diluted earnings per common share of $0.31 for the three months ended March 31, 2024, compared to $6,970,000 and $0.59 per fully diluted common share for the three months ended March 31, 2023. On April 1, 2024, the Company, formerly named Central Valley Commun. businesswire.com - 1 year ago
8. Profile Summary

Community West Bancshares CWBC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 316 M
Dividend Yield 0.62%
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, money market accounts, and fixed rate and fixed maturity certificates of deposit; and cash management products. It also provides commercial, commercial real estate, consumer, manufactured housing, and small business administration loans, as well as agricultural loans for real estate and operating lines; home equity lines of credit collateralized by residential real estate; single family real estate loans; and installment loans consisting of automobile and general-purpose loans. The company serves small to medium-sized businesses and their owners, professionals, high-net worth individuals, and non-profit organizations. It operates through a network of seven branch banking offices in Goleta, Santa Barbara, Santa Maria, Ventura, San Luis Obispo, Oxnard, and Paso Robles. Community West Bancshares was founded in 1989 and is headquartered in Goleta, California.
Contact 445 Pine Avenue, Goleta, CA, 93117 https://www.communitywest.com
IPO Date Nov. 19, 1996
Employees 346
Officers Ms. Dawn M. Cagle Executive Vice President & Chief Human Resources Melissa Farrow Senior Vice President of Relationship Manager Mr. Steven D. McDonald Secretary & Independent Director Mr. Martin E. Plourd President & Director Ms. Linda Hischier Senior Vice President & Relationship Manager Ms. Debbie Nalchajian-Cohen Marketing Director Ms. Denise Jereb Senior Vice President of Senior Risk Manager Mr. James J. Kim Chief Executive Officer & Director Mr. Jeffrey M. Martin Executive Vice President & Chief Banking Officer Ms. Teresa Gilio Executive Vice President & Chief Administrative Officer of Central Valley Community Bank