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Community West Bancshares

Community West Bancshares

CWBC · NASDAQ · Financial Services / Banks - Regional

25.43USD-0.21 (-0.82%)

Price History

Full chart

Market Stats

Previous Close25.64
Open25.64
Day Range25.36 – 25.64
52-Week Range19.40 – 28.04
Volume126.80K
Market Cap726.38M
P/E (TTM)15.21
Forward P/E9.42
EPS1.76
Dividend Yield1.82%
Beta0.80
50-Day Avg25.99
200-Day Avg24.50

About

Community West Bancshares operates as the bank holding company for Community West Bank, a California state-chartered commercial bank that provides a range of banking products and services to businesses, agribusiness customers, professionals, and individuals throughout Central California. The company accepts checking, savings, money market, and time deposit accounts, including certificates of deposit and non-interest-bearing demand deposits. It offers commercial and industrial loans; commercial real estate, construction, agricultural, farmland, multifamily, residential construction, mortgage, manufactured housing, SBA, and consumer loans; as well as lines of credit and other lending products. The company also provides private banking, treasury management, cash management, online and mobile banking, remote deposit capture, domestic and international wire transfers, bill payment, account transfers, and other customary banking services. Community West Bank operates full-service banking centers across Greater Sacramento, the San Joaquin Valley, and the Central Coast. The company was formerly known as Central Valley Community Bancorp and changed its name to Community West Bancshares in April 2024. Community West Bancshares was founded in 1979 and is based in Fresno, California.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James J. Kim
  • Employees418
  • Headquarters7100 North Financial Drive, Fresno, CA, United States, 93720, USA
  • Websitehttps://www.communitywestbank.com

Leadership

  • Mr. James J. KimPresident, CEO & Director · b. 1976
  • Ms. Shannon R. Livingston CPAExecutive VP & CFO · b. 1983
  • Mr. Blaine C. LauhonExecutive VP & COO · b. 1963
  • Mr. Jeffrey M. MartinExecutive VP & Chief Banking Officer
  • Mr. Steven D. McDonaldSecretary & Independent Director · b. 1950
  • Ms. Dawn M. CagleExecutive VP & Chief Human Resources Officer
  • Mr. Timothy Joseph StronksExecutive VP & Chief Risk Officer · b. 1969
  • Mr. Hinson M. ThomasExecutive VP & Chief Credit Officer · b. 1970

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.00M14.50M25.30M7.61M17.09M19.27M18.75M19.52M20.88M30.08M36.11M37.08M37.03M46.58M39.37M40.20M38.42M41.74M47.96M49.79M54.73M66.38M72.84M77.73M78.05M81.45M86.66M108.10M164.20M194.60M
Growth (%)-+31.82%+74.48%-69.92%+124.52%+12.76%-2.71%+4.10%+7.00%+44.04%+20.05%+2.70%-0.13%+25.78%-15.49%+2.11%-4.42%+8.64%+14.90%+3.80%+9.92%+21.30%+9.73%+6.72%+0.41%+4.35%+6.39%+24.75%+51.89%+18.52%
Cost of Revenue---4.61M4.30M4.76M2.73M2.29M1.98M4.65M7.36M8.54M8.57M17.14M8.08M3.99M2.58M1.39M9.14M1.65M-4.75M-13.00K1.53M3.58M4.87M-3.13M4.42M20.30M61.13M53.28M
Gross Profit11.00M14.50M25.30M3.00M12.79M14.51M16.02M17.23M18.91M25.43M28.75M28.55M28.47M29.44M31.29M36.21M35.84M40.36M38.82M48.14M59.48M66.39M71.31M74.15M73.18M84.58M82.24M87.80M103.06M141.32M
Gross Margin100.00%100.00%100.00%39.37%74.85%75.29%85.45%88.27%90.53%84.54%79.62%76.98%76.87%63.20%79.47%90.07%93.28%96.68%80.94%96.69%108.69%100.02%97.89%95.39%93.76%103.85%94.90%81.22%62.77%72.62%
Operating Expense6.70M8.80M11.20M2.07M10.11M10.86M11.99M12.36M13.27M16.04M18.54M19.10M20.98M27.53M28.38M27.87M26.64M30.76M34.10M34.59M37.38M42.57M43.40M44.20M45.92M46.57M47.10M53.96M92.06M88.79M
Operating Income4.30M5.70M14.10M924.50K2.68M3.65M4.03M4.87M5.64M9.39M10.21M9.45M7.49M1.91M2.91M8.34M9.21M9.60M4.72M13.55M22.10M23.82M27.91M29.95M27.26M38.02M35.14M33.84M11.00M52.53M
Operating Margin39.09%39.31%55.73%12.15%15.66%18.96%21.50%24.96%27.00%31.21%28.27%25.47%20.23%4.10%7.39%20.74%23.96%22.99%9.85%27.21%40.38%35.88%38.31%38.53%34.93%46.68%40.55%31.30%6.70%26.99%
EBITDA4.80M6.30M15.10M924.50K4.65M5.60M6.22M7.72M7.75M11.76M11.83M10.95M9.05M3.69M6.19M13.14M17.73M19.91M14.03M22.96M31.33M33.77M36.07M36.26M32.76M47.02M35.90M34.73M13.20M56.81M
EBITDA Margin43.64%43.45%59.68%12.15%27.21%29.08%33.20%39.57%37.09%39.08%32.76%29.52%24.43%7.93%15.71%32.69%46.13%47.69%29.25%46.12%57.25%50.87%49.52%46.64%41.98%57.72%41.42%32.13%8.04%29.19%
Net Income1.10M1.60M2.90M717.99K1.75M2.38M2.78M3.37M3.69M6.04M6.91M6.28M5.14M2.59M3.28M6.48M7.52M8.25M5.29M10.96M15.18M14.03M21.29M21.44M20.35M28.40M26.64M25.54M7.67M38.17M
Net Income Margin10.00%11.03%11.46%9.43%10.23%12.34%14.85%17.28%17.69%20.09%19.14%16.93%13.88%5.56%8.33%16.11%19.57%19.76%11.04%22.02%27.74%21.13%29.23%27.59%26.07%34.87%30.75%23.62%4.67%19.61%
R&D---------------00000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense2.40M2.90M9.30M3.34M4.25M4.14M2.73M2.29M1.98M4.14M6.56M8.06M7.28M6.63M4.28M2.94M1.88M1.39M1.16M1.05M1.10M1.14M1.48M2.56M1.59M1.30M3.42M19.99M50.02M49.53M
Interest Expense % of Total Revenue21.82%20.00%36.76%43.94%24.85%21.48%14.55%11.73%9.47%13.76%18.16%21.73%19.65%14.23%10.88%7.32%4.90%3.32%2.41%2.10%2.00%1.71%2.04%3.29%2.04%1.60%3.95%18.49%30.46%25.45%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets80.90M95.30M252.00M167.00M202.17M219.07M283.01M327.93M365.20M483.68M500.06M483.69M752.71M765.49M777.59M633.35M890.23M1.15B1.19B1.28B710.57M1.66B877.29M913.87M975.43M1.16B2.42B2.43B3.52B3.69B
Total Liabilities70.80M83.20M227.40M151.19M183.50M198.24M258.91M301.21M338.54M442.15M450.28M429.49M677.34M674.26M680.20M582.72M772.56M1.03B1.06B1.14B645.24M1.45B801.14M65.00M105.00M90.00M2.25B2.23B3.16B3.28B
Total Equity10.10M12.10M24.60M15.82M18.67M20.83M24.10M26.72M29.61M41.52M49.78M54.19M75.38M91.22M97.39M50.63M117.67M120.04M131.04M139.32M65.34M209.56M76.15M848.87M870.43M1.07B174.66M207.06M362.69M409.59M
Cash15.20M14.60M51.00M23.01M18.55M13.96M19.30M24.88M20.11M23.08M24.22M17.11M18.06M48.40M100.40M22.89M52.53M111.83M76.96M94.33M34.12M100.37M56.91M82.66M60.54M208.38M31.17M53.73M120.40M118.98M
Total Debt---250.37K35.91K3.00M9.00M7.00M8.50M6.50M3.25M20.00M30.52M24.16M19.16M76.70M9.15M5.16M5.16M5.16M29.40M5.16M85.00M116.02M120.99M90.89M115.60M149.74M203.33M142.53M
Net Debt-15.20M-14.60M-51.00M-22.76M-18.51M-10.96M-10.30M-17.88M-11.61M-16.58M-20.97M2.89M12.46M-24.25M-81.24M45.96M-43.37M-106.68M-71.81M-89.17M-5.12M-95.21M18.09M-17.66M44.46M-118.38M84.43M96.02M82.93M23.54M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow300.00K-900.00K-11.60M4.31M6.02M5.45M4.69M5.43M2.42M10.76M9.50M7.88M5.68M6.98M14.18M20.58M7.26M15.59M17.16M17.52M13.00M25.22M29.91M13.94M15.84M22.22M5.86M27.53M22.20M46.12M
Investing Cash Flow-8.50M-9.90M-32.70M-788.98K-37.41M-24.13M-46.13M-48.72M-31.05M-42.24M-20.56M-690.00K-48.22M8.78M32.58M-129.57M-36.65M-22.32M-84.76M-75.43M-68.33M46.50M39.03M-10.54M-91.57M-42.22M-197.07M24.52M64.47M-160.51M
Financing Cash Flow9.90M10.10M74.90M-3.48M31.46M13.73M59.79M42.13M37.10M39.66M7.18M-23.66M30.42M13.40M5.56M52.80M37.54M65.82M32.88M75.20M-720.00K-9.90M-137.60M22.35M53.60M167.84M-76.65M-29.49M-20.00M112.97M
Capital Expenditure1.30M900.00K2.60M2.08M2.42M580.06K1.86M586.00K539.00K781.00K2.50M2.05M1.09M991.00K595.00K1.25M1.35M1.16M1.33M741.00K861.00K859.00K791.00K2.15M338.00K206.00K239.00K9.81M5.04M2.51M
Free Cash Flow-1.00M-1.80M-14.20M2.23M3.60M4.87M2.83M4.85M1.89M9.98M7.00M5.83M4.58M5.99M13.58M19.34M5.91M14.43M15.83M16.78M12.14M24.36M29.12M11.79M15.51M22.01M5.62M17.72M17.16M43.61M
Dividends Paid100.00K--871.00K130.35K-129.75K258.00K263.00K1.09M1.33M595.00K598.00K277.00K349.00K307.00K830.00K2.49M2.19M1.98M2.71M3.01M4.27M1.82M1.65M2.31M2.57M5.66M8.23M9.16M
FCF to OCF-333.33%200.00%122.41%51.80%59.77%89.35%60.39%89.22%77.77%92.74%73.71%74.01%80.76%85.79%95.80%93.95%81.37%92.56%92.26%95.77%93.38%96.59%97.36%84.61%97.87%99.07%95.92%64.38%77.30%94.56%
Dividend Paid to FCF-10.00%--39.00%3.62%-4.58%5.32%13.94%10.94%18.99%10.21%13.05%4.63%2.57%1.59%14.05%17.23%13.84%11.80%22.37%12.36%14.66%15.44%10.65%10.50%45.83%31.92%47.95%21.01%

Earnings

Report DateMar 17, 1997Apr 16, 1997Jul 15, 1997Oct 7, 1997Jan 21, 1998Apr 13, 1998Jul 16, 1998Oct 8, 1998Feb 16, 1999Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jul 23, 2003Oct 22, 2003Jan 21, 2004Apr 26, 2004Jul 23, 2004Oct 29, 2004Jan 24, 2005Apr 26, 2005Jul 26, 2005Oct 25, 2005Jan 24, 2006Apr 25, 2006Jul 25, 2006Oct 24, 2006Jan 23, 2007Apr 24, 2007Jul 24, 2007Oct 16, 2007Jan 22, 2008Apr 15, 2008Jul 11, 2008Oct 16, 2008Jan 28, 2009Apr 16, 2009Jul 14, 2009Oct 20, 2009Feb 1, 2010Apr 23, 2010Jul 22, 2010Oct 21, 2010Feb 1, 2011Apr 20, 2011Jul 20, 2011Oct 19, 2011Feb 1, 2012Apr 18, 2012Jul 18, 2012Oct 17, 2012Mar 31, 2013Apr 17, 2013Jul 17, 2013Oct 16, 2013Jan 29, 2014Apr 16, 2014Jul 16, 2014Oct 15, 2014Feb 13, 2015Apr 24, 2015Jul 15, 2015Oct 21, 2015Jan 26, 2016Apr 20, 2016Jul 20, 2016Oct 19, 2016Jan 25, 2017Apr 19, 2017Jul 19, 2017Oct 18, 2017Jan 24, 2018Apr 18, 2018Jul 18, 2018Oct 17, 2018Jan 23, 2019Apr 17, 2019Jul 17, 2019Oct 16, 2019Jan 22, 2020Apr 15, 2020Jul 22, 2020Oct 28, 2020Jan 28, 2021Apr 22, 2021Jul 21, 2021Oct 20, 2021Jan 26, 2022Apr 20, 2022Jul 20, 2022Oct 19, 2022Jan 26, 2023Apr 20, 2023Jul 20, 2023Oct 19, 2023Jan 18, 2024Apr 18, 2024Jul 23, 2024Oct 24, 2024Jan 23, 2025Apr 21, 2025Jul 17, 2025Oct 16, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 15, 2026
EPS Estimate0.070.140.120.140.100.070.090.180.25------------------------------0.260.260.250.220.140.110.180.220.140.070.060.090.090.090.080.110.150.150.160.160.17-0.170.170.210.210.220.210.23-0.36-0.200.220.250.240.370.280.260.280.300.320.310.290.340.360.390.380.370.360.340.310.270.320.380.450.470.550.520.450.520.600.610.660.600.530.510.440.290.380.450.460.480.530.570.570.610.65
EPS Actual0.090.090.110.130.200.100.200.180.100.190.370.170.440.180.050.080.74-0.19-0.17-0.340.120.060.090.150.080.150.180.160.160.160.190.360.230.210.210.250.220.140.210.250.260.210.210.190.190.160.200.030.050.130.040.080.060.160.180.130.170.170.170.250.110.180.160.280.210.240.240.21-0.22-0.290.280.230.260.310.560.300.280.350.430.370.360.400.360.420.380.380.450.340.340.280.190.340.560.600.610.530.540.510.560.550.710.610.540.550.530.340.410.300.380.450.410.570.600.610.45-
Surprise28.57%-35.71%-8.33%-7.14%100.00%42.86%122.22%0.00%-60.00%-------------------------------3.85%0.00%-16.00%-4.55%35.71%72.73%-11.11%-9.09%-78.57%-28.57%116.67%-55.56%-11.11%-33.33%100.00%63.64%-13.33%13.33%6.25%6.25%47.06%-5.88%-5.88%33.33%0.00%9.09%14.29%-8.70%38.89%-40.00%4.55%4.00%29.17%51.35%7.14%7.69%25.00%43.33%15.63%16.13%37.93%5.88%16.67%-2.56%0.00%21.62%-5.56%0.00%-9.68%-29.63%6.25%47.37%33.33%29.79%-3.64%3.85%13.33%7.69%-8.33%16.39%-7.58%-10.00%3.77%3.92%-22.73%41.38%-21.05%-15.56%-2.17%-14.58%7.55%5.26%7.02%-26.23%-
Timing---------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap726.38M
Enterprise Value769.75M
Trailing P/E15.21
Forward P/E9.42
PEG Ratio1.50
Price / Sales4.63
Price / Book1.14
EPS1.76
Book Value22.40
Revenue (TTM)156.84M
Gross Profit (TTM)156.84M
Profit Margin23.10%
Operating Margin27.50%
Return on Equity7.34%
Return on Assets0.84%
Shares Outstanding27.13M
Shares Float24.70M
Beta0.80
Dividend Yield1.82%
Dividend Rate0.48
Payout Ratio21.52%

Analyst Ratings

Buy
Based on 4 analystsTarget 29.70
  • Strong Buy
    2
  • Hold
    2

Ownership Breakdown

Institutions
59.15%
Insiders
9.39%
Retail / Other
31.46%

Top Institutional Holders

  • Cutler Capital Management
    00.00%

Top Fund Holders

  • Manulife US Bank Equity Mother Fund
    35.50K0.40%

Dividends

20264×
0.12Nov 6, 20260.12Aug 7, 20260.12May 8, 20260.12Feb 6, 2026
20254×
0.12Oct 31, 20250.12Aug 1, 20250.12May 2, 20250.12Feb 7, 2025
20245×
0.12Nov 8, 20240.12Aug 2, 20240.12May 2, 20240.08Feb 8, 20240.12Feb 1, 2024
20237×
0.08Nov 13, 20230.12Nov 2, 20230.08Aug 11, 20230.12Aug 3, 20230.08May 11, 20230.12May 4, 20230.12Feb 9, 2023
20224×
0.07Nov 10, 20220.12Nov 3, 20220.07Aug 11, 20220.12Aug 4, 2022

Stock Splits

  • Nov 1, 20052:1
  • Jan 21, 20032:1
  • Jun 11, 199911:10