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CWBC stock logo

CWBC

Community West Bancshares

$23.17
-0.03
 (-0.13%)
Exchange:  NASDAQ
Market Cap:  444.155M
Shares Outstanding:  2.946M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  James J. Kim
Full Time Employees:  342
Address: 
445 Pine Avenue
Fresno
CA
93117
US
Website:  https://www.communitywest.com
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

Year202320242025
Revenue108,102164,196194,602
Gross Profit87,804103,062141,318
EBITDA34,73113,20452,528
Operating Income33,84010,99852,528
Net Income25,5367,66638,168

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,433,4263,521,7713,690,317
Total Liabilities2,226,3623,159,0863,280,729
Total Stockholders Equity207,064362,685409,588
Total Debt149,744203,331142,526
Cash and Cash Equivalents53,728120,398118,984

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow27,52722,20246,120
Capital Expenditure-9,806-5,039-2,509
Free Cash Flow17,72117,16343,611
Net Income25,5367,66638,168
Net Change in Cash22,55866,670-1,414

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)232,109.861Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)237,503.032Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)235,162.600Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)77,204.345Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)78,998.221Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)78,219.747Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)56,030.150Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)57,739.521Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)57,169.731Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)76,727.023Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)78,509.808Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)77,736.147Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.030Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.940Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
166.826M  ?P/S
 (TTM)
: 
2.4
?Net Income
 (TTM)
: 
7.666M  ?P/E
 (TTM)
: 
12.13
?Enterprise Value
 (TTM)
: 
489.74M  ?EV/FCF
 (TTM)
: 
11.23
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.24
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
185.617M  ?Debt/Equity
 (TTM)
: 
0.35
?P/B
 (TTM)
: 
1.13  ?Current Ratio
 (TTM)
: 
1.63

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.82Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CWBC intrinsic value between $13.40 – $32.95 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate CWBC Intrinsic Value

Common questions about CWBC valuation

Is Community West Bancshares (CWBC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Community West Bancshares (CWBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CWBC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CWBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CWBC’s P/E ratio?

You can see CWBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CWBC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CWBC a good long-term investment?

Whether CWBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CWBC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.13
MARKETSnap

Trading Metrics:

Open: 23.02   Previous Close: 23.2
Day Low: 22.81   Day High: 23.34
Year Low: 15.57   Year High: 25.72
Price Avg 50: 23.56   Price Avg 200: 21.81
Volume: 163774   Average Volume: 172313

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See in Nexus

Relevant news

Why Community West Bancshares (CWBC) is Poised to Beat Earnings Estimates Again
15-04-2026 13:10
Why Community West Bancshares (CWBC) is Poised to Beat Earnings Estimates Again
Community West Bancshares Receives Regulatory Approvals to Merge With United Security Bancshares
16-03-2026 17:21
Community West Bancshares Receives Regulatory Approvals to Merge With United Security Bancshares
Community West Bancshares Announces Retirement of Board Member Tom L. Dobyns
20-02-2026 17:00
Community West Bancshares Announces Retirement of Board Member Tom L. Dobyns
Community West Bancshares Announces Retirement of Board Member William S. Smittcamp Following 39 Years of Service
20-02-2026 16:00
Community West Bancshares Announces Retirement of Board Member William S. Smittcamp Following 39 Years of Service
Are You Looking for a Top Momentum Pick? Why Community West Bancshares (CWBC) is a Great Choice
29-01-2026 13:01
Are You Looking for a Top Momentum Pick? Why Community West Bancshares (CWBC) is a Great Choice
Community West Bancshares Announces Retirement of Board Member Suzanne M. Chadwick
26-01-2026 19:01

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