CWBC

Community West Bancshares

$18.17

0.02

(0.11%)

Exchange:	NASDAQ
Market Cap:	346.344M
Shares Outstanding:	2.946M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	29,620	31,117	35,359	36,271	37,964	40,501	46,127	49,788	57,522	114,175
? Cost Of Revenue	10	0	0	182	0	0	0	0	47,647	0
? Gross Profit	29,610	31,117	35,359	36,089	37,964	40,501	46,127	49,788	9,875	114,175
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	14,191	15,890	17,265	18,429	18,779	19,907	20,324	20,214	32,640	49,845
? Selling And Marketing Expenses	466	616	750	685	774	673	734	921	542	854
? Operating Expenses	466	616	750	-16,883	-26,590	-28,746	-27,814	921	88,113	114,175
? Net Interest Income	0	0	0	0	0	0	0	0	0	110,367
? Interest Income	30,222	32,216	37,391	42,631	45,739	43,854	46,078	49,138	102,418	160,388
? Interest Expense	2,516	3,127	4,729	8,988	11,382	7,265	3,704	3,328	19,989	50,021
? Depreciation And Amortization	399	1,726	1,952	2,461	2,787	1,699	1,640	1,276	9,896	2,206
? EBITDA	0	-7,506	22,423	30,370	0	0	0	0	0	0
? EBIT										-2,206
? Operating Income	7,524	11,969	15,192	19,206	11,374	11,755	18,313	22,039	-10,298	0
? Income Before Tax	5,008	8,842	10,463	10,218	11,374	11,755	18,313	18,711	33,840	10,998
? Income Tax Expense	2,138	3,613	5,548	2,809	3,411	3,510	5,212	5,262	8,304	3,332
? Net Income From Continuing Operations										7,666
? Net Income	2,870	5,229	4,915	7,409	7,963	8,245	13,101	13,449	25,536	7,666
? EPS (Earnings Per Share)	0.310	0.640	0.600	0.890	1.600	0.970	1.540	1.150	2.180	0.410
? EPS Diluted	0.300	0.620	0.570	0.880	1.590	0.970	1.540	1.150	2.170	0.410
? Weighted Average Shares Outstanding	8,238.710	8,170.312	8,191.667	8,324.719	8,496.875	8,474.193	8,511.765	11,715.376	11,728.858	18,843.606
? Weighted Average Shares Outstanding Diluted	8,513.333	8,433.871	8,622.807	8,419.318	8,496.875	8,474.193	8,511.765	11,739.074	11,752.872	18,843.606
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	35,618	34,116	45,869	56,915	82,661	60,540	208,375	64,690	53,728	120,398
? Short Term Investments	23,540	22,681	28,783	24,931	19,264	17,308	19,711	26,688	597,196	303,415
? Cash And Short Term Investments	59,038	56,781	74,640	81,838	101,925	77,848	228,086	64,690	16,703	423,813
? Net Receivables	0	0	0	0	0	0	0	0	0	0
? Accounts Receivables										0
? Inventory	0	0	0	0	-117,333	-92,318	-243,603	-117,117	0	0
? Total Current Assets	26,209	25,066	32,422	81,838	101,925	77,848	228,086	91,378	16,703	423,813
? Property Plant Equipment Net	2,993	3,931	5,581	6,381	7,655	7,154	6,576	6,104	14,042	24,469
? Goodwill	0	40,231	53,777	53,777	53,777	53,777	53,777	53,777	53,777	96,828
? Intangible Assets	0	0	0	0	-25,682	1,183	1,556	1,454	0	9,268
? Long Term Investments	30,466	31,683	36,348	32,353	25,563	22,043	22,773	29,470	906,287	785,058
? Total Non Current Assets	2,993	3,931	5,581	38,734	33,218	29,197	29,349	35,574	2,373,238.999	3,097,958
? Total Assets	621,213	710,572	833,315	877,291	913,870	975,435	1,157,052	1,091,502	2,433,426	3,521,771
? Account Payables	0	0	0	0	19,769	31,210	40,043	32,611	0	0
? Short Term Debt	0	400	0	10,000	0	0	0	0	80,000	133,442
? Deferred Revenue	0	0	0	0	-19,769	-31,210	-40,043	-32,611	0	0
? Total Current Liabilities	0	1,233,497	1,405,075	1,267,483	450,613	738,844	801,790	760,714	1,910,945	0
? Long Term Debt	5,155	5,155	5,155	35,000	15,573	14,036	45,438	90,000	76,650	69,889
? Deferred Revenue Non Current	0	-20,128	-25,195	-23,216	63,049	102,720	87,375	976,848	0	0
? Deferred Tax Liabilities Non Current	0	2,372	3,941	2,571	1,951	2,280	2,625	2,004	4,439	0
? Total Non Current Liabilities	10,500	29,000	56,843	75,000	65,000	105,000	90,000	978,852	319,856	0
? Total Liabilities	559,269	645,236	763,245	801,140	65,000	105,000	90,000	978,852	2,226,362	3,159,086
? Treasury Stock										0
? Preferred Stock	68	0	0	0	42,586	42,909	44,431	0	0	0
? Common Stock	42,355	41,575	42,604	42,964	42,586	42,909	44,431	45,694	62,550	207,816
? Retained Earnings	19,657	23,790	27,441	33,328	39,470	46,063	56,852	67,727	210,548	209,984
? Additional Paid In Capital										0
? Total Stockholders Equity	61,944	65,336	70,070	76,151	81,978	89,007	101,375	112,650	207,064	362,685
? Total Equity	61,944	65,336	70,070	76,151	81,978	89,007	101,375	112,650	207,064	362,685
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	621,213	710,572	833,315	877,291	913,870	975,435	1,157,052	1,091,502	2,433,426	3,521,771
? Total Investments	54,105	54,364	65,131	57,284	44,827	39,351	42,484	56,158	1,503,483	1,088,473
? Total Debt	10,500	29,000	56,843	75,000	65,000	105,000	90,000	90,000	158,864	203,331
? Net Debt	-25,118	-5,116	10,974	18,085	-17,661	44,460	-118,375	25,310	105,136	82,933
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	2,870	5,229	4,915	7,409	7,963	8,245	13,101	13,449	25,536	7,666
? Depreciation And Amortization	399	678	685	764	864	821	780	711	959	2,206
? Deferred Income Tax	-21	-409	528	-529	-328	-959	-505	250	110	-867
? Stock Based Compensation	412	338	537	478	382	470	562	776	858	879
? Change In Working Capital	3,325	-924	915	1,284	-470	-3,803	1,294	-10,854	-7,132	254
? Accounts Receivables	0	0	0	0	0	-1,128	-2,209	-7,361	0	1,101
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	1,165	9,124	-7,148	0	-847
? Net Cash Provided By Operating Activities	7,012	7,870	14,243	16,321	13,937	15,843	22,220	5,856	27,852	22,202
? Investments In Property Plant And Equipment	-371	-1,616	-2,335	-1,564	-2,145	-338	-206	-239	-9,806	-5,039
? Acquisitions Net	-49,896	-90,084	-110,069	-40,290	301,254	-91,763	-41,596	15	3,262	58,521
? Purchases Of Investments	-11,370	-12,507	-9,413	-794	-301,254	-3,000	-6,250	-40,360	0	0
? Sales Maturities Of Investments	11,388	11,439	4,669	4,476	6,837	6,580	5,637	32,491	67,001.999	125,847
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	64,473
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-35,000
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-45,000
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	10,000
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-38
? Net Dividends Paid	-1,426	-1,096	-1,264	-1,581	-5,805	-5,530	-5,757	-5,638	-5,657	-8,230
? Common Dividends Paid										-8,230
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	59,429	84,184	114,519	32,780	22,347	53,603	167,838	-76,647	-29,488	-20,005
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	16,560	-1,403	11,753	11,046	25,746	-22,121	147,835	-143,685	22,558	66,670
? Cash At End Of Period	35,519	34,116	45,869	56,915	82,661	60,540	208,375	64,690	53,728	120,398
? Cash At Beginning Of Period	18,959	35,519	34,116	45,869	56,915	82,661	60,540	208,375	31,170	53,728
? Operating Cash Flow	7,012	7,870	14,243	16,321	13,937	15,843	22,220	5,856	27,852	22,202
? Capital Expenditure	-371	-1,616	-2,335	-1,564	-2,145	-338	-206	-239	-9,806	-5,039
? Free Cash Flow	6,641	6,254	11,908	14,757	11,792	15,505	22,014	5,617	18,046	17,163
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	67,712.110	71,439.709	74,407.832	74,276.775	80,502	84,379.861	88,781.826	120,643.942	144,590.733	150,042.554
Estimated Revenue (High)	70,047.482	73,903.645	76,974.137	76,838.560	83,278.492	87,148.044	92,766.782	120,861.412	146,174.204	158,361.745
Estimated Revenue (Avg)	68,888	72,680.333	75,700	75,566.667	81,900	85,900	90,752.500	120,747.500	145,214.225	154,202.150
Estimated Ebitda (Low)	20,454.423	21,580.453	22,477.061	22,437.472	24,317.983	0	0	0	0	0
Estimated Ebitda (High)	21,159.890	22,324.757	23,252.289	23,211.334	25,156.704	0	0	0	0	0
Estimated Ebitda (Avg)	20,809.635	21,955.220	22,867.399	22,827.121	24,740.290	0	0	0	0	0
Estimated Net Income (Low)	15,514.262	17,266.850	18,272.426	16,410.654	26,041.075	25,514.076	24,829.472	6,423.885	22,658.951	25,193.105
Estimated Net Income (High)	16,213.558	18,045.126	19,095.950	17,150.379	27,214.717	26,608.151	26,288.003	6,650.598	24,316.929	27,992.287
Estimated Net Income (Avg)	15,866.378	17,658.691	18,687.068	16,783.102	26,632.010	26,114.883	25,536	6,537.242	23,487.940	26,592.696
Estimated SGA Expense (Low)	29,908.706	31,555.201	32,866.233	32,808.345	35,558.051	41,870.228	44,054.532	59,864.870	71,747.535	74,452.789
Estimated SGA Expense (High)	30,940.249	32,643.532	33,999.780	33,939.895	36,784.439	43,243.832	46,031.912	59,972.781	72,533.271	78,580.865
Estimated SGA Expense (Avg)	30,428.101	32,103.190	33,436.989	33,378.095	36,175.553	42,624.538	45,032.403	59,916.257	72,056.919	76,516.827
Estimated EPS (Avg)	1.350	1.500	1.590	1.430	2.270	2.220	2.170	0.550	2.020	2.300
Estimated EPS (High)	1.380	1.540	1.620	1.460	2.320	2.260	2.240	0.570	2.070	2.380
Estimated EPS (Low)	1.320	1.470	1.550	1.400	2.220	2.170	2.110	0.550	1.930	2.140
Number of Analysts (Estimated Revenue)	1	1	1	1	1	1	2	3	3	3
Number of Analysts (Estimated EPS)	1	1	1	1	1	1	2	3	4	4

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Current Key Metrics

?	Revenue (TTM) :	166.826M	?	P/S (TTM) :	1.88
?	Net Income (TTM) :	7.666M	?	P/E (TTM) :	28.01
?	Enterprise Value (TTM) :	402.254M	?	EV/FCF (TTM) :	16.5
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.74
?	ROE (TTM) :	0.03	?	ROIC (TTM) :	0.02
?	Net Debt (TTM) :	185.617M	?	Debt/Equity (TTM) :	0.55
?	P/B (TTM) :	0.92	?	Current Ratio (TTM) :	0.2

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
13.46	12.11	11.43	12.71	8.00

SWOT Analysis

No SWOT analysis available for this stock.

CWBC

0.11

3.06

4.92

3.06

-4.63

6.92

132.46

Trading Metrics:

Open:	18.23	Previous Close:	18.15
Day Low:	18.03	Day High:	18.32
Year Low:	15.57	Year High:	22.89
Price Avg 50:	17.64	Price Avg 200:	18.91
Volume:	87710	Average Volume:	51855

CWBC

Community West Bancshares

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

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