8-K Announcements
6Material company update
May 29, 2026·SEC
Material company update
May 4, 2026·SEC
Material company update
Apr 23, 2026·SEC
Community West Bancshares(CWBC)Earnings, Financials & Key Ratios
CWBC•NASDAQ•Banking & Credit
$27.18
13.6× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCommunity 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.Show more
- Net Interest Income$137M+24.3%
- Total Revenue$195M+18.5%
- Net Income$38M+397.9%
- Return on Equity9.88%+267.3%
- Net Interest Margin3.72%+18.6%
- Efficiency Ratio45.63%-18.6%
- ROA1.06%+311.0%
- Equity / Assets11.1%+7.8%
- Book Value per Share21.48+1.7%
CWBC Price & Volume
Community West Bancshares (CWBC) stock price & volume — 10-year historical chart
Loading chart...
Post-Merger Scaling Drives Sustainable Margin Expansion
Investment Thesis • Updated 2026Q1
VerdictPositive
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Merger integration and concentration
Key Thesis Takeaways
- Community West Bancshares has successfully navigated its recent merger, evidenced by a significant improvement in operational efficiency from a 62.3% ratio in 2024Q2 to 44.7% in 2026Q1.
- The bank's ability to scale its asset base to $3.7 billion while maintaining a stable 1.0% net interest margin suggests a disciplined approach to post-merger integration.
- Investors should monitor the sustainability of this earnings trajectory as the bank balances its $3.4 billion investment securities portfolio against potential credit volatility.
Verdict Logic
the bank's successful reduction of loan loss provisions from $9.8 million in 2024Q2 to $90,000 in 2026Q1 suggests a return to normalized credit quality that supports the current 12.19 forward P/E valuation.
CWBC Growth Metrics
Community West Bancshares (CWBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.6%
5 Years20.05%
3 Years30.95%
TTM-
Profit CAGR
10 Years13.29%
5 Years13.41%
3 Years12.73%
TTM236.76%
EPS CAGR
10 Years7.18%
5 Years4.3%
3 Years-4.13%
TTM232.31%
Return on Capital
10 Years10.79%
5 Years8.98%
3 Years5.84%
Last Year2.57%
CWBC Recent Earnings
Community West Bancshares (CWBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (40%)●Beat Revenue 3/12 qtrs (30%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.61+8.9%
$0.56
Rev
$39M+1.0%
$38M
Q2 2026
Mar 11, 2026Metric
Actual
Est
EPS
$0.58
—
Rev
$49M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.60+5.3%
$0.57
Rev
$38M-0.2%
$38M
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$0.57+7.5%
$0.53
Rev
$37M-3.2%
$39M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.61vs $0.56+8.9% | $39Mvs $38M+1.0% |
| Q2 2026 | Mar 11, 2026 | $0.58 | $49M |
| Q1 2026 | Jan 22, 2026 | $0.60vs $0.57+5.3% | $38Mvs $38M-0.2% |
| Q4 2025 | Oct 16, 2025 | $0.57vs $0.53+7.5% | $37Mvs $39M-3.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Community West Bancshares (CWBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $27.18 | $517.22M | 13.59 | 18.52% | 19.61% | 9.88% | 1.77% | |
| $22.76 | $3.09B | 14.97 | -2.33% | 32.4% | 9.16% | — | |
| $38.16 | $2.82B | 14.51 | -1.58% | 18.26% | 8.36% | — | |
| $67.60 | $2.3B | 11.99 | -0.95% | 24.82% | 10.66% | — | |
| $32.24 | $7.67B | 14.02 | 8.35% | 19.56% | 9.16% | — | |
| $107.53 | $1.27B | 10.33 | -4.11% | 26.69% | 17.48% | — |
Compare CWBC vs Peers
Community West Bancshares (CWBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CWBC SEC Filings & Documents
Community West Bancshares (CWBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when CWBC posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
CWBC Frequently Asked Questions
Community West Bancshares (CWBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Community West Bancshares growing?
Community West Bancshares (CWBC) grew revenue by 18.5% over the past year. This is strong growth.
Is CWBC profitable?
Yes, Community West Bancshares (CWBC) is profitable, generating $41.4M in net income for fiscal year 2025 (19.6% net margin).
Dividend & Returns
Does CWBC pay dividends?
Yes, Community West Bancshares (CWBC) pays a dividend with a yield of 1.77%. This makes it attractive for income-focused investors.
What is CWBC's return on equity?
Community West Bancshares (CWBC) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is Community West Bancshares's net interest margin?
Community West Bancshares (CWBC) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
What is Community West Bancshares's efficiency ratio?
Community West Bancshares (CWBC) has an efficiency ratio of 45.6%. This is excellent, indicating strong cost control.