Community West Bancshares (CWBC)


Market Price (10/23/2026): $26.17 | Market Cap: $707.9 MilSector: Financials | Industry: Regional Banks

Community West Bancshares (CWBC)


Market Price (10/23/2026): $26.17
Market Cap: $707.9 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.5%, FCF Yield is 6.7%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -49%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%

Low stock price volatility
Vol 12M is 21%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Weak multi-year price returns
3Y Excs Rtn is -0.9%

Key risks
CWBC key risks include [1] the financial and operational challenges of integrating its recent merger with Central Valley Community Bancorp and [2] managing credit losses on its expanded post-merger loan portfolio.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.5%, FCF Yield is 6.7%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -49%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30%
3 Low stock price volatility
Vol 12M is 21%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5 Weak multi-year price returns
3Y Excs Rtn is -0.9%
6 Key risks
CWBC key risks include [1] the financial and operational challenges of integrating its recent merger with Central Valley Community Bancorp and [2] managing credit losses on its expanded post-merger loan portfolio.

CWBC in ETFs

Weight = CWBC's share of each fund

VTI0.00%
IWM0.02%
KRE0.29%
AVUV0.03%
VTWO0.02%
DFAS0.02%
IWO0.01%
DFAC0.00%
+2 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 10/14/2026

Community West Bancshares (CWBC) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

1. Significant Earnings Per Share (EPS) Miss in Fiscal Q2 2026. Community West Bancshares reported diluted EPS of $0.10 for the fiscal quarter ended June 30, 2026, which substantially missed analysts' consensus estimates of $0.30 per share. This represented a negative earnings surprise of 67.11% and a significant year-over-year decline from $0.41 EPS in fiscal Q2 2025.

2. Revenue Shortfall in Fiscal Q2 2026. The company's revenue for fiscal Q2 2026 was $54.30 million, falling short of the consensus estimate of $55.65 million.

Show more
Updated on 10/14/2026

Community West Bancshares (CWBC) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

1. Significant Earnings Per Share (EPS) Miss in Fiscal Q2 2026. Community West Bancshares reported diluted EPS of $0.10 for the fiscal quarter ended June 30, 2026, which substantially missed analysts' consensus estimates of $0.30 per share. This represented a negative earnings surprise of 67.11% and a significant year-over-year decline from $0.41 EPS in fiscal Q2 2025.

2. Revenue Shortfall in Fiscal Q2 2026. The company's revenue for fiscal Q2 2026 was $54.30 million, falling short of the consensus estimate of $55.65 million.

3. Post-Merger Performance Concerns. The fiscal Q2 2026 results were the first full quarterly earnings report following the completion of Community West Bancshares' merger with United Security Bancshares on April 1, 2026. The significant decrease in EPS from the prior year and the miss on expectations may have raised investor concerns about the initial financial impact and integration challenges of the merger, which was valued at approximately $188.7 million.

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Stock Movement Drivers

Fundamental Drivers

The -1.7% change in CWBC stock from 6/30/2026 to 10/22/2026 was primarily driven by a -29.5% change in the company's Shares Outstanding (Mil).
(LTM values as of)630202610222026Change
Stock Price ($)26.7326.29-1.7%
Change Contribution By: 
Total Revenues ($ Mil)1481618.7%
Net Income Margin (%)27.9%22.5%-19.5%
P/E Multiple12.319.659.4%
Shares Outstanding (Mil)1927-29.5%
Cumulative Contribution-1.7%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2026 to 10/22/2026
ReturnCorrelation
CWBC-1.7% 
Market (SPY)2.3%15.9%
Sector (XLF)5.7%39.2%

Fundamental Drivers

The 13.9% change in CWBC stock from 3/31/2026 to 10/22/2026 was primarily driven by a 70.5% change in the company's P/E Multiple.
(LTM values as of)331202610222026Change
Stock Price ($)23.0726.2913.9%
Change Contribution By: 
Total Revenues ($ Mil)14416111.8%
Net Income Margin (%)26.5%22.5%-15.1%
P/E Multiple11.519.670.5%
Shares Outstanding (Mil)1927-29.6%
Cumulative Contribution13.9%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 10/22/2026
ReturnCorrelation
CWBC13.9% 
Market (SPY)17.8%16.9%
Sector (XLF)15.1%42.9%

Fundamental Drivers

The 28.7% change in CWBC stock from 9/30/2025 to 10/22/2026 was primarily driven by a 33.7% change in the company's P/E Multiple.
(LTM values as of)930202510222026Change
Stock Price ($)20.4226.2928.7%
Change Contribution By: 
Total Revenues ($ Mil)13316121.1%
Net Income Margin (%)19.8%22.5%13.3%
P/E Multiple14.719.633.7%
Shares Outstanding (Mil)1927-29.8%
Cumulative Contribution28.7%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 10/22/2026
ReturnCorrelation
CWBC28.7% 
Market (SPY)15.6%29.5%
Sector (XLF)6.4%52.7%

Fundamental Drivers

The 100.3% change in CWBC stock from 9/30/2023 to 10/22/2026 was primarily driven by a 247.9% change in the company's P/E Multiple.
(LTM values as of)930202310222026Change
Stock Price ($)13.1226.29100.3%
Change Contribution By: 
Total Revenues ($ Mil)8816182.8%
Net Income Margin (%)30.9%22.5%-27.3%
P/E Multiple5.619.6247.9%
Shares Outstanding (Mil)1227-56.7%
Cumulative Contribution100.3%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2023 to 10/22/2026
ReturnCorrelation
CWBC100.3% 
Market (SPY)84.8%41.2%
Sector (XLF)78.3%54.2%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
CWBC Return43%5%9%-11%19%15%98%
Peers Return26%16%31%31%2%21%208%
S&P 500 Return27%-19%24%23%16%12%104%

Monthly Win Rates [3]
CWBC Win Rate50%67%58%42%50%70% 
Peers Win Rate69%56%50%60%48%55% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
CWBC Max Drawdown-15%-38%-50%-25%-19%-13% 
Peers Max Drawdown-16%-21%-36%-20%-28%-12% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: FUNC, CBFV, CLBK, GCBC, MBBC. See CWBC Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 10/22/2026 (YTD)

How Low Can It Go

EventCWBCS&P 500
2025 US Tariff Shock
  % Loss-17.2%-18.8%
  % Gain to Breakeven20.7%23.1%
  Time to Breakeven71 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-14.5%-9.5%
  % Gain to Breakeven16.9%10.5%
  Time to Breakeven14 days24 days
2023 SVB Regional Banking Crisis
  % Loss-50.2%-6.7%
  % Gain to Breakeven100.9%7.1%
  Time to Breakeven948 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-30.3%-24.5%
  % Gain to Breakeven43.5%32.4%
  Time to Breakeven145 days427 days
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.7%50.9%
  Time to Breakeven336 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-15.1%-19.2%
  % Gain to Breakeven17.8%23.8%
  Time to Breakeven189 days105 days

Compare to FUNC, CBFV, CLBK, GCBC, MBBC

In The Past

Community West Bancshares's stock fell -17.2% during the 2025 US Tariff Shock. Such a loss loss requires a 20.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventCWBCS&P 500
2023 SVB Regional Banking Crisis
  % Loss-50.2%-6.7%
  % Gain to Breakeven100.9%7.1%
  Time to Breakeven948 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-30.3%-24.5%
  % Gain to Breakeven43.5%32.4%
  Time to Breakeven145 days427 days
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.7%50.9%
  Time to Breakeven336 days140 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-22.0%-17.9%
  % Gain to Breakeven28.3%21.8%
  Time to Breakeven132 days123 days
2008-2009 Global Financial Crisis
  % Loss-66.8%-53.4%
  % Gain to Breakeven201.6%114.4%
  Time to Breakeven1714 days1085 days

Compare to FUNC, CBFV, CLBK, GCBC, MBBC

In The Past

Community West Bancshares's stock fell -17.2% during the 2025 US Tariff Shock. Such a loss loss requires a 20.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Community West Bancshares (CWBC)

Community West Bancshares (CWBC) functions as the bank holding company for Central Valley Community Bank, delivering a full spectrum of commercial banking services. The company primarily targets small and middle-market businesses, as well as individuals, operating within the Central Valley area of California. Headquartered in Fresno, CWBC focuses on providing localized financial solutions to meet the diverse needs of its community.

The bank's key product offerings encompass both deposit and lending services. Deposit options include various demand, savings, and time deposits, certificates of deposit, non-interest-bearing accounts, NOW accounts, and money market accounts. On the lending front, CWBC provides commercial and industrial loans, an array of real estate loans (including owner-occupied, investor commercial, construction, and agricultural properties), agricultural loans secured by crop production and livestock, equity loans and lines of credit, and other consumer loans.

Beyond traditional deposits and loans, Community West Bancshares extends its services to include domestic and international wire transfers, account management tools like inquiry and status services, bill paying, and account transfers. Furthermore, the company offers cash management and other customary banking services, ensuring its clients have access to comprehensive financial solutions.

AI Analysis | Feedback

Here are a few analogies for Community West Bancshares (CWBC):

  • It's like a regionally focused Wells Fargo for businesses and individuals in California's Central Valley.
  • Think of it as the U.S. Bancorp of Central California, providing traditional banking services to its local community.

AI Analysis | Feedback

  • Deposits: The bank accepts various types of deposits including demand, savings, time deposits, certificates of deposit, NOW, and money market accounts.
  • Loans: The bank provides a range of lending products such as commercial and industrial, agricultural, diverse commercial real estate, equity, and consumer loans.
  • Cash Management & Banking Services: The bank offers additional services like domestic and international wire transfers, bill paying, and account transfers.

AI Analysis | Feedback

Community West Bancshares (CWBC), as a bank holding company operating Central Valley Community Bank, serves a diverse customer base rather than having a few major named customers. Its clientele is comprised of various categories of businesses and individuals within California's Central Valley area. Based on the services described, its primary customer categories are:

  • Small and Middle-Market Commercial & Industrial Businesses: This category includes various non-agricultural businesses that utilize commercial and industrial loans, owner-occupied and investor commercial real estate loans, and cash management services.
  • Agricultural Businesses: This specialized segment of businesses includes farmers and agricultural enterprises that require loans secured by crop production and livestock, as well as agricultural real estate loans.
  • Individuals: This category encompasses retail customers who utilize a range of personal banking services, including demand, savings, and time deposits, NOW and money market accounts, equity loans and lines of credit, and other installment and consumer loans.

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James J. Kim, Chief Executive Officer
James J. Kim has served as Director and Chief Executive Officer of Community West Bancshares and Community West Bank since November 1, 2021. Prior to this, he was Executive Vice President and Chief Operating Officer of the Bank from February 2019 to November 2021, and Executive Vice President and Chief Administrative Officer starting January 2018. Mr. Kim brings over 20 years of bank leadership experience, including roles as controller, chief operations officer, chief financial officer, and chief executive officer for financial institutions in the Greater Sacramento Region. He began his career at an international accountancy and business advisory firm in Sacramento and holds a BS in Accountancy and an MBA from California State University, Sacramento.
Shannon R. Livingston, CPA, Executive Vice President, Chief Financial Officer
Shannon R. Livingston was appointed Executive Vice President and Chief Financial Officer of Community West Bancshares and Community West Bank in February 2023. In this role, she is responsible for the company's financial strategy, operations, and reporting, encompassing accounting, budgeting, treasury, investor relations, and compliance with financial regulations. Her expertise is vital for maintaining the company's financial health, profitability, and long-term strategic growth.
Martin E. Plourd, President
Martin E. Plourd was appointed as a director for the Company and Bank and President of Community West Bancshares on April 1, 2024, following the acquisition of the legacy Community West Bancshares. He previously served as a director of CWB since 2011. With 44 years in banking, Mr. Plourd's experience includes working as a consultant on bank strategic planning, acquisitions, and compliance from 2009 to 2011. From 2005 to 2009, he served as Chief Operating Officer, then President and Director of Temecula Valley Bank. Before that, he spent 18 years with Rabobank/Valley Independent Bank. Mr. Plourd is a graduate of the Stonier Graduate School of Banking and California State Polytechnic University. He also serves as Chair of the California Bankers Association. Mr. Plourd plans to retire as President on March 31, 2026, but will continue as a director.
Timothy J. Stronks, Executive Vice President, Chief Risk Officer
Timothy J. Stronks was named Executive Vice President and Chief Risk Officer of the Bank on April 1, 2024. He previously held the positions of Executive Vice President, Chief Operating Officer and Chief Risk Officer of Community West Bank, N.A., prior to its acquisition. His career also includes roles as Senior Vice President, Deputy Director of Operations with Rabobank, Executive Vice President for Pacific Premier Bank, and Executive Vice President, Chief Information Officer of Heritage Oaks Bank, which was acquired by Pacific Premier Bank in March 2017. Mr. Stronks is a graduate of Pacific Coast Banking School, holds a Bachelor of Arts degree from the University of California at Santa Barbara, and an MBA in IT Management from Western Governors University.
Jeffrey M. Martin, Executive Vice President, Chief Banking Officer
Jeffrey M. Martin was appointed Executive Vice President, Chief Banking Officer on April 1, 2024. He served as Executive Vice President, Market Executive from April 2022 until April 2024. Mr. Martin joined the Bank with over 20 years of leadership expertise, having previously served as a regional president at another California community bank. He holds a BS in Agricultural Business from California State University, Chico.

AI Analysis | Feedback

The key risks to Community West Bancshares (CWBC) include:
  • Interest Rate Volatility Risk: Changes in interest rates can significantly impact the bank's net interest margin and the value of its investment portfolio, thereby affecting its overall profitability and capital. The current environment, characterized by the Federal Reserve's restrictive monetary policy, has led to increased funding costs, further exacerbating this risk for community banks.
  • Credit Portfolio Quality Risk: A deterioration in the quality of CWBC's loan portfolio, particularly within its substantial real estate and agribusiness segments, could lead to increased loan losses. As of December 31, 2024, approximately 74.3% of the company's loan portfolio was secured by real estate. Economic downturns, or specific challenges within the agricultural sector or real estate markets in California's Central Valley, could impair borrowers' ability to repay these loans.
  • Liquidity and Funding Risk: The inability to maintain adequate cash flow or secure sufficient funding to meet deposit withdrawals, satisfy loan demand, or cover other financial obligations could disrupt operations and harm the bank's financial stability. Community banks, including CWBC, face challenges related to the cost of funds, maintaining core deposit growth, and increased competition for deposits.

AI Analysis | Feedback

The clear emerging threat to Community West Bancshares (CWBC) is the rapid expansion and increasing sophistication of digital-first banking solutions and fintech platforms. These entities, often unburdened by legacy infrastructure and physical branch networks, are increasingly able to offer competitive deposit accounts, small business loans, and comprehensive cash management services with superior digital user experiences, lower fees, and greater convenience. This trend directly challenges the traditional community bank model, which often relies on physical presence and relationship banking, by siphoning off a growing segment of small and middle-market businesses and individuals who prioritize digital accessibility and efficiency over local branch interactions.

AI Analysis | Feedback

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Here are 3-5 expected drivers of future revenue growth for Community West Bancshares (CWBC) over the next 2-3 years: * **Merger with United Security Bancshares:** The pending merger with United Security Bancshares (USB), expected to close in Q2 2026, will significantly expand Community West Bank's branch network to include USB's full-service branches in Fresno, Madera, Kern, San Joaquin, and Santa Clara Counties. This expansion is anticipated to increase market presence and generate new loan and deposit opportunities. * **Continued Loan and Deposit Growth:** Community West Bancshares demonstrated strong loan growth of approximately 8.8% and deposit growth of about 6.3% in 2025. This consistent expansion of its loan and deposit base is a fundamental driver for increasing net interest income and overall revenue. The company emphasizes personalized, relationship-driven banking services and a diversified loan portfolio, including commercial real estate, agribusiness, and manufactured housing, which supports sustained growth. * **Net Interest Margin (NIM) Expansion and Optimized Net Interest Income:** The company has experienced sustained net interest margin expansion, with NIM reaching 4.20% in Q3 2025. This has been supported by higher loan yields and a decline in the average cost of funds. Continued effective management of interest-earning assets and interest-bearing liabilities is expected to drive net interest income growth. * **Enhanced Operational Efficiency and Branch Network Optimization:** Community West Bancshares has shown improved operational efficiency, with its efficiency ratio improving to 61.63% in 2025. The optimization and expansion of its branch network, partly through integration activities following mergers, contribute to a more efficient operation, allowing the company to better serve customers and potentially offer more competitive products. * **Strategic Channel and Product Mix Shifts:** The company has strategically shifted its loan portfolio mix, increasing exposure to commercial real estate and integrating a manufactured housing consumer portfolio post-merger. These strategic adjustments to its product and service offerings are designed to capture new market segments and drive revenue.

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Share Repurchases

  • Community West Bancshares approved a share repurchase program in July 2025, authorizing the repurchase of up to 3% of its outstanding common stock, which equated to approximately 573,915 shares as of July 16, 2025.
  • The share repurchase program commenced on July 22, 2025, with repurchases to be made at management's discretion in open-market or privately negotiated transactions.

Share Issuance

  • In April 2024, Central Valley Community Bancorp (now Community West Bancshares) issued approximately 7,038,220 shares as consideration for its merger with the legacy Community West Bancshares, with the merger consideration valued at approximately $143 million.
  • Community West Bancshares entered into an all-stock merger agreement with United Security Bancshares on December 17, 2025, where United Security Bancshares stockholders are to receive 0.4520 shares of CWBC common stock for each USB share, valued at approximately $188.7 million as of January 21, 2026.

Outbound Investments

  • In April 2024, Central Valley Community Bancorp (the predecessor to the current Community West Bancshares) completed an all-stock merger to acquire the legacy Community West Bancshares, a transaction valued at approximately $143 million.
  • Community West Bancshares announced a definitive agreement on December 17, 2025, to merge with United Security Bancshares in an all-stock transaction, in which United Security Bancshares will merge into Community West Bancshares, with the total consideration valued at approximately $188.7 million.

Capital Expenditures

  • In 2023, the company (then Central Valley Community Bancorp) expanded its banking center franchise by opening new facilities in Sacramento, Modesto, and Visalia.
  • The company also entered the Bakersfield market in 2023 with an interim location, with plans for a permanent banking center to follow.

Peer Outperformance in Regional Banks

CWBC has trailed 60% of its 264 Regional Banks peers over 5Y. Among the peers that beat it is NIC. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that CWBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
42%
of 286 industry peers · 27.0% return
3Y
26%
of 276 industry peers · 77.2% return
5Y
40%
of 264 industry peers · 39.5% return
Regional Banks peers with revenue growth within 4pp of CWBC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
CWBC Community West Bancshares 23.1% 19.6x 27.0%77.2%39.5% —
NIC Nicolet Bankshares 25.4% 23.3x 31.4%156.9%145.5% +106pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is CWBC's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 31.1%75.4%121.6% SPNT 176% · RNR 155% · RGA 154%
Diversified Banks 12 30.8%148.9%89.3% CM 140% · RY 124% · JPM 122%
Life & Health Insurance 20 14.9%60.7%85.6% JXN 486% · UNM 291% · FG 185%
Investment Banking & Brokerage 13 -12.8%105.6%74.3% IBKR 354% · SNEX 172% · HOOD 144%
Multi-Sector Holdings 4 4.1%61.4%72.9% BRK-B 89% · VOYA 57% · JEF 31%
Property & Casualty Insurance 42 17.3%84.4%66.5% TRV 175% · PGR 168% · ACGL 150%
Multi-line Insurance 9 9.2%73.0%60.5% L 101% · GNW 100% · AIZ 90%
Regional Banks ← 265 30.8%102.3%52.7% CBC 239% · FCNCA 165% · NIC 145%
Financial Exchanges & Data 15 13.3%39.5%33.0% CBOE 171% · VIRT 154% · CME 73%
Insurance Brokers 15 -3.1%14.0%25.2% LIFE 410% · ARX 88% · AJG 73%
Consumer Finance 30 0.7%86.7%25.0% ENVA 407% · FCFS 116% · ECPG 95%
Diversified Financial Services 4 -4.6%24.6%6.5% FRHC 154% · EQH 84%
Asset Management & Custody Banks 85 -11.5%22.8%3.7% WT 283% · AAMI 248% · VCTR 240%
Commercial & Residential Mortgage Finance 15 -53.5%35.2%1.7% FNMA 413% · FMCC 376% · ACT 156%
Specialized Finance 3 11.5%40.1%-10.2% CACC -10% · HASI -22%
Transaction & Payment Processing Services 17 4.6%8.8%-32.6% V 86% · MA 82% · CPAY 50%
Mortgage REITs 34 -20.8%1.3%-33.0% RITM 26% · DX 21% · AGNC 8%
Diversified Capital Markets 20 -53.1%16.3%-66.5% LPLA 87% · TW 45% · RIOT -54%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

CWBCFUNCCBFVCLBKGCBCMBBCMedian
NameCommunit.First Un.CB Finan.Columbia.Greene C.Marathon. 
Mkt Price26.1746.0438.1810.8735.4814.5030.82
Mkt Cap0.70.30.21.10.6-0.6
Rev LTM161934627793-93
Op Inc LTM-------
FCF LTM4826206942-42
FCF 3Y Avg3123123631-31
CFO LTM5430207842-42
CFO 3Y Avg3725144532-32

Growth & Margins

CWBCFUNCCBFVCLBKGCBCMBBCMedian
NameCommunit.First Un.CB Finan.Columbia.Greene C.Marathon. 
Rev Chg LTM21.1%11.6%-6.4%38.7%22.9%-21.1%
Rev Chg 3Y Avg23.1%7.0%-2.8%3.4%9.1%-7.0%
Rev Chg Q36.9%9.9%15.1%15.5%22.0%-15.5%
QoQ Delta Rev Chg LTM8.7%2.4%4.5%3.7%5.1%-4.5%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM33.5%32.2%43.6%28.3%45.7%-33.5%
CFO/Rev 3Y Avg27.6%30.1%29.7%18.4%40.4%-29.7%
FCF/Rev LTM29.7%27.8%42.3%24.8%44.9%-29.7%
FCF/Rev 3Y Avg22.4%27.5%24.8%14.5%39.1%-24.8%

Valuation

CWBCFUNCCBFVCLBKGCBCMBBCMedian
NameCommunit.First Un.CB Finan.Columbia.Greene C.Marathon. 
Mkt Cap0.70.30.21.10.6-0.6
P/S4.43.24.24.06.5-4.2
P/Op Inc-------
P/EBIT-------
P/E19.511.926.919.014.7-19.0
P/CFO13.19.99.614.114.3-13.1
Total Yield6.5%10.6%6.5%5.3%7.4%-6.5%
Dividend Yield1.4%2.2%2.8%0.0%0.7%-1.4%
FCF Yield 3Y Avg6.1%9.8%6.6%-6.3%-6.4%
D/E0.40.10.51.10.3-0.4
Net D/E-0.5-0.20.1-0.7-0.6--0.5

Returns

CWBCFUNCCBFVCLBKGCBCMBBCMedian
NameCommunit.First Un.CB Finan.Columbia.Greene C.Marathon. 
1M Rtn1.7%6.1%0.8%-4.5%0.6%-4.4%0.7%
3M Rtn-1.2%5.4%7.5%-0.8%8.9%-1.4%2.3%
6M Rtn10.3%22.8%10.4%-1.5%55.3%1.6%10.4%
12M Rtn26.4%25.9%20.4%-1.5%60.6%33.0%26.2%
3Y Rtn76.4%210.2%100.0%-1.5%60.6%81.2%78.8%
1M Excs Rtn3.6%9.0%3.5%-2.2%3.2%-3.7%3.3%
3M Excs Rtn1.9%0.6%3.8%-3.0%4.6%-4.8%1.2%
6M Excs Rtn2.6%15.0%2.7%-9.2%47.7%-6.1%2.7%
12M Excs Rtn13.2%14.0%7.5%-15.2%48.9%21.3%13.6%
3Y Excs Rtn-1.3%129.4%22.5%-76.7%-23.1%5.0%1.8%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking operations144114888380
Total144114888380


Net Income by Segment
$ Mil2025202420232022
Banking operations3882627
Total3882627


Assets by Segment
$ Mil20252024
Banking operations3,6903,522
Adjustments and reconciling items00
Total3,6903,522


Price Behavior

Price Behavior
Market Price$26.29 
Market Cap ($ Bil)0.7 
First Trading Date03/08/1999 
Distance from 52W High-5.7% 
   50 Days200 Days
DMA Price$26.04$24.65
DMA Trendindeterminateup
Distance from DMA1.0%6.6%
 3M1YR
Volatility18.3%21.5%
Downside Capture37.4336.65
Upside Capture49.6957.52
Correlation (S&P 500)23.6%28.6%
CWBC Betas & Captures as of 9/30/2026

 1M2M3M6M1Y3Y
Beta0.500.460.480.340.530.74
Up Beta-2.010.420.700.530.700.74
Down Beta2.480.620.720.180.610.91
Up Capture63%56%26%34%45%40%
Bmk +ve Days6162766132424
Stock +ve Days10203063124367
Down Capture43%25%50%24%41%81%
Bmk -ve Days16263760120328
Stock -ve Days12223462126373

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CWBC
CWBC27.6%21.5%1.03-
Sector ETF (XLF)8.8%14.5%0.3549.1%
Equity (SPY)14.8%12.7%0.8026.1%
Gold (GLD)-2.2%28.4%-0.09-4.2%
Commodities (DBC)52.1%20.7%1.91-33.6%
Real Estate (VNQ)4.7%13.9%0.0832.1%
Bitcoin (BTCUSD)-22.4%43.4%-0.478.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CWBC
CWBC6.7%29.6%0.24-
Sector ETF (XLF)9.6%18.3%0.3847.8%
Equity (SPY)13.0%17.1%0.5736.0%
Gold (GLD)17.1%18.9%0.72-1.0%
Commodities (DBC)9.3%19.5%0.361.9%
Real Estate (VNQ)1.1%18.9%-0.0536.0%
Bitcoin (BTCUSD)8.0%51.7%0.3310.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with CWBC
CWBC7.6%37.9%0.31-
Sector ETF (XLF)13.3%22.1%0.5454.9%
Equity (SPY)15.4%17.9%0.7343.9%
Gold (GLD)11.9%16.4%0.59-2.1%
Commodities (DBC)8.3%18.1%0.3710.8%
Real Estate (VNQ)5.2%20.7%0.2144.7%
Bitcoin (BTCUSD)63.0%66.2%1.0310.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date9302026
Short Interest: Shares Quantity1.9 Mil
Short Interest: % Change Since 915202623.5%
Average Daily Volume0.2 Mil
Days-to-Cover Short Interest7.8 days
Basic Shares Quantity27.1 Mil
Short % of Basic Shares6.9%

Earnings Returns History

Updated 10/22/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/23/2026-6.1%-5.5%-2.2%
4/23/20261.0%-1.0%-0.1%
1/22/20260.5%-1.9%3.3%
10/16/20252.5%3.7%7.4%
7/17/20250.4%0.8%-0.5%
4/21/20253.6%8.6%16.0%
1/23/20250.4%3.1%0.0%
10/24/2024-0.7%0.2%17.3%
...
SUMMARY STATS   
# Positive131113
# Negative9119
Median Positive1.0%3.5%8.0%
Median Negative-4.7%-3.2%-6.0%
Max Positive4.7%17.4%19.2%
Max Negative-10.5%-21.5%-23.8%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/23/2026-6.1%-5.5%-2.2%
4/23/20261.0%-1.0%-0.1%
1/22/20260.5%-1.9%3.3%
10/16/20252.5%3.7%7.4%
7/17/20250.4%0.8%-0.5%
4/21/20253.6%8.6%16.0%
1/23/20250.4%3.1%0.0%
10/24/2024-0.7%0.2%17.3%
7/23/2024-7.9%-3.2%-9.3%
4/18/2024-1.6%-2.1%-5.3%
1/18/20242.1%1.6%-6.0%
10/19/2023-4.4%-6.6%6.8%
7/20/2023-10.5%-2.0%-17.1%
4/20/2023-6.7%-21.5%-17.8%
1/26/20230.6%17.4%19.2%
10/19/20223.1%3.8%8.9%
7/20/20224.7%4.8%18.0%
4/20/2022-4.7%-11.6%-23.8%
1/26/20220.3%-0.0%0.7%
10/20/20211.5%0.9%2.5%
7/21/20210.8%3.5%8.0%
10/28/2020-1.8%-5.0%13.5%
SUMMARY STATS   
# Positive131113
# Negative9119
Median Positive1.0%3.5%8.0%
Median Negative-4.7%-3.2%-6.0%
Max Positive4.7%17.4%19.2%
Max Negative-10.5%-21.5%-23.8%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/10/202610-Q
03/31/202605/08/202610-Q
12/31/202503/11/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/17/202510-K
09/30/202411/06/202410-Q
06/30/202408/12/202410-Q
03/31/202405/14/202410-Q
12/31/202303/15/202410-K
09/30/202311/02/202310-Q
06/30/202308/03/202310-Q
03/31/202305/15/202310-Q
12/31/202203/09/202310-K
09/30/202211/02/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/10/202610-Q
03/31/202605/08/202610-Q
12/31/202503/11/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/17/202510-K
09/30/202411/06/202410-Q
06/30/202408/12/202410-Q
03/31/202405/14/202410-Q
12/31/202303/15/202410-K
09/30/202311/02/202310-Q
06/30/202308/03/202310-Q
03/31/202305/15/202310-Q
12/31/202203/09/202310-K
09/30/202211/02/202210-Q
06/30/202208/04/202210-Q
03/31/202205/04/202210-Q
12/31/202103/09/202210-K
09/30/202111/03/202110-Q
06/30/202108/04/202110-Q
03/31/202105/05/202110-Q
12/31/202003/10/202110-K
09/30/202011/04/202010-Q
06/30/202008/05/202010-Q
03/31/202005/06/202010-Q
12/31/201903/06/202010-K
09/30/201911/06/201910-Q

Insider Activity

Updated 10/13/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy901202621.511884,044293,224Form
2Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy901202621.511072,302432,179Form
3Lokey, James W DirectBuy824202625.92541,406394,697Form
4Stovesand, Kirk DirectBuy821202626.102556,6562,162,228Form
5Gill, Jagroop DirectBuy810202624.884,770118,67814,631,107Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy901202621.511884,044293,224Form
2Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy901202621.511072,302432,179Form
3Lokey, James W DirectBuy824202625.92541,406394,697Form
4Stovesand, Kirk DirectBuy821202626.102556,6562,162,228Form
5Gill, Jagroop DirectBuy810202624.884,770118,67814,631,107Form
6Gill, Jagroop DirectBuy804202625.002305,75014,582,425Form
7Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy601202620.911663,471281,074Form
8Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy601202620.91941,965417,826Form
9Stovesand, Kirk DirectBuy526202623.902576,1421,973,877Form
10Silva, Dorothea D DirectBuy506202623.571503,536290,141Form
11Silva, Dorothea D DirectBuy506202623.7815357289,159Form
12Plourd, Martin EPRESIDENTDirectBuy304202620.652825,8232,323,868Form
13Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy304202620.652665,493447,031Form
14Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy304202620.653517,248283,401Form
15Kim, James JCEODirectBuy304202620.651,08922,4881,215,232Form
16Martin, Jeffrey MichaelEXECUTIVE VICE PRESIDENTDirectBuy304202620.652064,254508,337Form
17Stovesand, Kirk DirectBuy220202624.503769,2121,925,994Form
18Lokey, James W DirectBuy130202623.2950011,645353,415Form
19Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy1202202519.191593,051256,601Form
20Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy1202202519.19841,612410,278Form
21Martin, Jeffrey MichaelEXECUTIVE VICE PRESIDENTDirectBuy1202202519.19751,439468,395Form
22Plourd, Martin EPRESIDENTDirectBuy1202202519.193166,0632,163,524Form
23Stovesand, Kirk DirectBuy1118202521.374028,5911,671,903Form

Investor Activity (13F)

Updated Oct 23, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active ManagerValue% of PortfolioTotal PositionsQoQFiling
PL Capital Advisors, LLC$7.7 Mil2.3%30Hold13F
Active Manager
Active Manager
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
PL Capital Advisors, LLC$7.7 Mil2.3%30Hold13F
Core Cache Last Updated: 10/22/2026