Community West Bancshares (CWBC)
Market Price (2/18/2026): $24.49 | Market Cap: $465.8 MilSector: Financials | Industry: Regional Banks
Community West Bancshares (CWBC)
Market Price (2/18/2026): $24.49Market Cap: $465.8 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0%, FCF Yield is 8.1% | Trading close to highsDist 52W High is -3.6%, Dist 3Y High is -3.6% | Key risksCWBC 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. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -71% | Weak multi-year price returns3Y Excs Rtn is -63% | |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 36% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27% | ||
| Low stock price volatilityVol 12M is 26% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0%, FCF Yield is 8.1% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -71% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 36% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -3.6%, Dist 3Y High is -3.6% |
| Weak multi-year price returns3Y Excs Rtn is -63% |
| Key risksCWBC 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. |
Qualitative Assessment
AI Analysis | Feedback
1. Strong Fourth Quarter 2025 Earnings Beat. Community West Bancshares reported robust financial results for the fourth quarter of 2025 on January 22, 2026, with diluted earnings per share (EPS) of $0.58, exceeding analysts' consensus estimates of $0.57. This stronger-than-expected performance likely contributed significantly to investor confidence and stock appreciation.
2. Strategic Merger Agreement with United Security Bancshares. On December 17, 2025, Community West Bancshares announced a definitive merger agreement to acquire United Security Bancshares in an all-stock transaction valued at approximately $191.9 million. This strategic move, expected to close in the second quarter of 2026, is set to create a larger entity with approximately $5 billion in total assets, signaling significant growth potential and increased market presence.
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Stock Movement Drivers
Fundamental Drivers
The 16.2% change in CWBC stock from 10/31/2025 to 2/17/2026 was primarily driven by a 22.1% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.08 | 24.49 | 16.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 133 | 140 | 5.1% |
| Net Income Margin (%) | 19.8% | 24.2% | 22.1% |
| P/E Multiple | 15.2 | 13.7 | -9.3% |
| Shares Outstanding (Mil) | 19 | 19 | -0.2% |
| Cumulative Contribution | 16.2% |
Market Drivers
10/31/2025 to 2/17/2026| Return | Correlation | |
|---|---|---|
| CWBC | 16.2% | |
| Market (SPY) | 0.1% | 30.7% |
| Sector (XLF) | -0.3% | 44.8% |
Fundamental Drivers
The 29.4% change in CWBC stock from 7/31/2025 to 2/17/2026 was primarily driven by a 152.3% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.93 | 24.49 | 29.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 128 | 140 | 9.4% |
| Net Income Margin (%) | 9.6% | 24.2% | 152.3% |
| P/E Multiple | 29.2 | 13.7 | -52.9% |
| Shares Outstanding (Mil) | 19 | 19 | -0.5% |
| Cumulative Contribution | 29.4% |
Market Drivers
7/31/2025 to 2/17/2026| Return | Correlation | |
|---|---|---|
| CWBC | 29.4% | |
| Market (SPY) | 8.3% | 41.3% |
| Sector (XLF) | 0.0% | 55.8% |
Fundamental Drivers
The 29.4% change in CWBC stock from 1/31/2025 to 2/17/2026 was primarily driven by a 273.7% change in the company's Net Income Margin (%).| (LTM values as of) | 1312025 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.92 | 24.49 | 29.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 103 | 140 | 36.1% |
| Net Income Margin (%) | 6.5% | 24.2% | 273.7% |
| P/E Multiple | 53.5 | 13.7 | -74.3% |
| Shares Outstanding (Mil) | 19 | 19 | -0.9% |
| Cumulative Contribution | 29.4% |
Market Drivers
1/31/2025 to 2/17/2026| Return | Correlation | |
|---|---|---|
| CWBC | 29.4% | |
| Market (SPY) | 14.5% | 54.6% |
| Sector (XLF) | 2.5% | 61.8% |
Fundamental Drivers
The 6.9% change in CWBC stock from 1/31/2023 to 2/17/2026 was primarily driven by a 70.9% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312023 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.90 | 24.49 | 6.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 82 | 140 | 70.9% |
| Net Income Margin (%) | 31.6% | 24.2% | -23.3% |
| P/E Multiple | 10.3 | 13.7 | 32.8% |
| Shares Outstanding (Mil) | 12 | 19 | -38.6% |
| Cumulative Contribution | 6.9% |
Market Drivers
1/31/2023 to 2/17/2026| Return | Correlation | |
|---|---|---|
| CWBC | 6.9% | |
| Market (SPY) | 74.2% | 39.8% |
| Sector (XLF) | 49.3% | 52.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CWBC Return | 43% | 5% | 9% | -11% | 19% | 9% | 87% |
| Peers Return | 14% | -19% | 49% | 33% | 22% | 2% | 127% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| CWBC Win Rate | 50% | 67% | 58% | 42% | 50% | 100% | |
| Peers Win Rate | 47% | 42% | 61% | 61% | 73% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| CWBC Max Drawdown | 0% | -29% | -39% | -25% | -18% | -2% | |
| Peers Max Drawdown | -8% | -29% | -21% | -10% | -8% | -2% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FUNC, CBFV, CBC, HYNE, NU. 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 2/17/2026 (YTD)
How Low Can It Go
| Event | CWBC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -50.9% | -25.4% |
| % Gain to Breakeven | 103.5% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -50.5% | -33.9% |
| % Gain to Breakeven | 102.0% | 51.3% |
| Time to Breakeven | 475 days | 148 days |
| 2018 Correction | ||
| % Loss | -25.4% | -19.8% |
| % Gain to Breakeven | 34.0% | 24.7% |
| Time to Breakeven | 963 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -76.8% | -56.8% |
| % Gain to Breakeven | 331.2% | 131.3% |
| Time to Breakeven | 2,731 days | 1,480 days |
Compare to FUNC, CBFV, CBC, HYNE, NU
In The Past
Community West Bancshares's stock fell -50.9% during the 2022 Inflation Shock from a high on 2/17/2023. A -50.9% loss requires a 103.5% gain to breakeven.
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About Community West Bancshares (CWBC)
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Here are 1-2 brief analogies for Community West Bancshares (CWBC):
- JPMorgan Chase, but scaled down and focused exclusively on businesses and agriculture in California's Central Coast.
- A localized Bank of America, dedicated to serving businesses and professionals across California's Central Coast region.
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- Lending Services: Offers various types of loans, including commercial real estate, commercial and industrial, construction, agricultural, and consumer loans, to businesses and individuals.
- Deposit Services: Provides a range of deposit accounts, such as checking, savings, money market, and certificates of deposit, for individuals and businesses to manage their funds.
- Treasury Management Services: Delivers services like cash management, payment processing, and fraud prevention to help businesses optimize their financial operations.
- Digital Banking Services: Facilitates convenient access to accounts and banking functions through online and mobile banking platforms.
AI Analysis | Feedback
Community West Bancshares (symbol: CWBC), through its subsidiary Community West Bank, serves a broad and diversified customer base primarily in California's Central Coast region. As is typical for financial institutions, specific "major customers" are not publicly disclosed due to client confidentiality and the highly diversified nature of banking relationships. Therefore, it's more appropriate to describe the categories of customers that the bank serves.
The major categories of customers for Community West Bancshares include:
- Commercial Businesses: This category encompasses a wide range of small to medium-sized businesses (SMBs) across various industries such as agriculture, professional services, manufacturing, and retail. These customers utilize commercial loans, lines of credit, deposit services, and treasury management solutions tailored for their operational needs.
- Commercial Real Estate Investors and Developers: Community West Bank provides financing to businesses and individuals involved in the acquisition, development, and management of commercial properties. This includes loans for multi-family residential, office, retail, and industrial properties within its service area.
- Individuals and Families: The bank serves local residents, offering a full suite of retail banking products and services. This includes personal checking and savings accounts, certificates of deposit, mortgages, home equity lines of credit, and various consumer loans to meet the personal financial needs of individuals and families.
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James J. Kim, Chief Executive Officer & Director
Mr. Kim has served as Director and Chief Executive Officer of Community West Bancshares and the Bank since November 1, 2021. Previously, he was Executive Vice President and Chief Operating Officer of the Bank from February 2019 to November 2021. He joined the Bank in January 2018 as Executive Vice President and Chief Administrative Officer. With over 20 years of bank leadership experience, Mr. Kim previously held positions 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, Executive Vice President & Chief Financial Officer
Ms. Livingston was appointed Executive Vice President and Chief Financial Officer of the Company and Bank in February 2023. As a CPA, she is responsible for the company's financial strategy, operations, and reporting, which includes accounting, budgeting, treasury, investor relations, and compliance with financial regulations.
Martin E. Plourd, President & Director
Mr. Plourd was appointed as a director for Community West Bancshares and the Bank, and President of the Company on April 1, 2024, following the acquisition of CWB, where he had served as a director since 2011. He has 44 years of experience in banking. His background includes working as a consultant on bank strategic planning, acquisitions, and compliance from July 2009 to 2011. From July 2005 to July 2009, he served as Chief Operating Officer, and then President and Director of Temecula Valley Bank. Prior to that, he spent 18 years with Rabobank/Valley Independent Bank. Mr. Plourd is a graduate of Stonier Graduate School of Banking and California State Polytechnic University.
Timothy Joseph Stronks, Executive Vice President & Chief Risk Officer
Mr. Stronks was named Executive Vice President and Chief Risk Officer of the Bank on April 1, 2024. Before this, he served as Executive Vice President, Chief Operating Officer and Chief Risk Officer of Community West Bank, N.A., which was acquired by the Bank on the same date. His previous experience includes roles as Senior Vice President, Deputy Director of Operations with Rabobank, and Executive Vice President for Pacific Premier Bank, as well as Executive Vice President and Chief Information Officer of Heritage Oaks Bank (which was acquired by Pacific Premier Bank in March 2017). He is a graduate of Pacific Coast Banking School and holds a Bachelor of Arts degree from the University of California at Santa Barbara, and an MBA from Western Governors University.
Jeffrey M. Martin, Executive Vice President & Chief Banking Officer
Mr. Martin was appointed Executive Vice President, Chief Banking Officer on April 1, 2024, having previously served as Executive Vice President, Market Executive from April 2022 until April 2024. In his current role, he is responsible for leading and developing the company's banking operations and strategies, overseeing client relationship management, business development, and the delivery of banking products and services.
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Community West Bancshares (NASDAQ: CWBC) faces key risks primarily associated with its recent merger activities and the inherent credit risks in its lending operations. The most significant risks to Community West Bancshares include: 1. Merger Integration Risk: The company completed a significant merger with Central Valley Community Bancorp on April 1, 2024. The integration of the two entities has directly impacted CWBC's financial performance, with a reported decrease in net income, return on average assets (ROA), and return on average equity (ROE) in 2024 primarily attributed to merger-related expenses. Successful integration requires overcoming operational, cultural, and technological challenges, and failure to do so efficiently can continue to negatively affect financial results. 2. Credit Risk: As a financial institution, Community West Bancshares is exposed to credit risk, which is the risk of loss arising from a borrower's failure to repay a loan or meet contractual obligations. The company's 2024 Form 10-K highlighted a "one-time provision for expected credit losses" as a factor in the decrease in net income. Furthermore, CWBC "increased its allowance for credit losses to $25,803,000," demonstrating a proactive approach to managing this risk, potentially influenced by the expanded loan portfolio following the merger. Fluctuations in economic conditions or specific industry downturns within its lending footprint could lead to increased loan defaults and impact the company's asset quality and profitability.AI Analysis | Feedback
The clear emerging threat for Community West Bancshares (CWBC) is the escalating competition and disruption from digital-first banks, neo-banks, and various financial technology (fintech) companies. These entities leverage advanced technology, data analytics, and often lower overhead to offer more convenient, personalized, and sometimes lower-cost banking services (e.g., online accounts, payment solutions, digital lending, wealth management tools). This trend threatens to erode CWBC's market share, particularly among younger demographics and tech-savvy customers, and pressure its net interest margins and profitability by increasing the need for significant technology investments to remain competitive and meet evolving customer expectations. The shift towards digital banking platforms fundamentally alters the traditional branch-centric model, forcing community banks to rapidly adapt or risk losing relevance.
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Community West Bancshares (CWBC) is anticipated to drive future revenue growth over the next two to three years through several key strategies, including market expansion, diversified loan portfolio growth, effective net interest margin management, deposit growth and cost optimization, and a continued focus on relationship-based community banking.
Here are 5 expected drivers of future revenue growth for Community West Bancshares:
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Expanded Market Presence through Merger: The merger of Community West Bancshares with Central Valley Community Bancorp on April 1, 2024, significantly expanded the company's operating territory across Central California, reaching from Sacramento to Bakersfield and extending west to the Central Coast. This expanded footprint provides a larger customer base and new geographic markets to penetrate, leading to increased loan and deposit opportunities.
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Diversified Loan Growth: The company has demonstrated consistent loan growth across its varied lending segments. For example, gross loans increased by $37.1 million (6.46% annualized) in the fourth quarter of 2024 and by $51.8 million (2.16%) in the third quarter of 2025. Community West Bank's focus on commercial lending, agribusiness, SBA loans, residential construction and mortgage, manufactured housing, and private banking indicates a broad approach to expanding its interest-earning asset base.
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Net Interest Margin (NIM) Management: Improving and maintaining a healthy net interest margin is a crucial driver of bank revenue. CWBC has shown positive trends in this area, with its net interest margin increasing to 3.95% in the fourth quarter of 2024 from 3.69% in the prior quarter, and further to 4.20% in the third quarter of 2025. This improvement is linked to higher yields on interest-earning assets and effective management of funding costs.
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Deposit Growth and Cost Optimization: Growth in deposits, coupled with a focus on managing their cost, directly contributes to a stronger funding base and improved net interest income. Total deposits for Community West Bancshares increased by $81.0 million (2.70%) in the third quarter of 2025 compared to the previous quarter, and by $165.2 million (5.67%) year-to-date. Concurrently, the total cost of deposits decreased from 1.69% in Q3 2024 to 1.39% in Q3 2025, enhancing profitability.
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Relationship-Based Community Banking and Local Expansion: Community West Bancshares emphasizes its role as a "committed community bank partner" focused on building lasting relationships and supporting local economic vitality. This approach aims to attract and retain customers through tailored services and local decision-making. The opening of new banking centers, such as the full-service branch in Bakersfield in February 2025, further solidifies its local presence and capacity to serve the expanded Central California territory.
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1. Share Repurchases
- Community West Bancshares authorized a share repurchase program for up to 3% of its outstanding common stock, representing approximately 573,915 shares as of July 16, 2025. This program commenced on July 22, 2025.
- The company repurchased common stock valued at $38,000 in 2024.
2. Share Issuance
- In 2024, as part of its merger with the former Community West Bancshares, the entity that became the current Community West Bancshares issued common stock worth $143,712,000.
3. Inbound Investments
- Fourthstone LLC acquired 1,867,778 shares of Community West Bancshares on September 30, 2024, for approximately $19.26 per share, totaling around $36 million. This increased Fourthstone LLC's stake to 9.87% of the company's outstanding shares.
4. Outbound Investments
- The company completed a significant all-stock merger, valued at approximately $143 million, with the former Community West Bancshares (effective April 1, 2024), to expand its market presence and diversify its loan portfolio across Central California.
5. Capital Expenditures
- In 2023, the company focused capital expenditures on expanding its branch network by opening new banking centers in Sacramento, Modesto, and Visalia, and establishing a presence in the Bakersfield market with plans for a permanent facility.
- Ongoing capital is being deployed to integrate the operations of the acquired Community West Bancshares to achieve synergies and enhance operational efficiency.
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| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -19.1% | -19.1% | -23.8% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.6% | -7.6% | -9.2% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -22.6% | -22.6% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -23.9% | -23.9% | -26.8% |
| 01022026 | ABR | Arbor Realty Trust | Special | Short Squeeze PotentialShort Squeeze PotentialHas potential for a short squeeze. High short interest, rising short interest and high debt. | -2.9% | -2.9% | -6.7% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 24.49 |
| Mkt Cap | 0.4 |
| Rev LTM | 86 |
| Op Inc LTM | - |
| FCF LTM | 16 |
| FCF 3Y Avg | 23 |
| CFO LTM | 19 |
| CFO 3Y Avg | 26 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 19.5% |
| Rev Chg 3Y Avg | 12.5% |
| Rev Chg Q | 22.2% |
| QoQ Delta Rev Chg LTM | 5.1% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 29.3% |
| CFO/Rev 3Y Avg | 27.1% |
| FCF/Rev LTM | 26.9% |
| FCF/Rev 3Y Avg | 22.9% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.4 |
| P/S | 3.9 |
| P/EBIT | - |
| P/E | 23.0 |
| P/CFO | 12.7 |
| Total Yield | 6.8% |
| Dividend Yield | 2.1% |
| FCF Yield 3Y Avg | 7.7% |
| D/E | 0.2 |
| Net D/E | -0.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 1.3% |
| 3M Rtn | 9.8% |
| 6M Rtn | 13.6% |
| 12M Rtn | 20.2% |
| 3Y Rtn | 82.3% |
| 1M Excs Rtn | 2.7% |
| 3M Excs Rtn | 4.2% |
| 6M Excs Rtn | 8.4% |
| 12M Excs Rtn | 8.8% |
| 3Y Excs Rtn | 15.1% |
Price Behavior
| Market Price | $24.49 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 03/08/1999 | |
| Distance from 52W High | -3.6% | |
| 50 Days | 200 Days | |
| DMA Price | $23.42 | $20.80 |
| DMA Trend | up | up |
| Distance from DMA | 4.6% | 17.7% |
| 3M | 1YR | |
| Volatility | 23.4% | 25.7% |
| Downside Capture | 8.61 | 59.71 |
| Upside Capture | 85.67 | 80.19 |
| Correlation (SPY) | 28.6% | 54.8% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.93 | 0.90 | 0.69 | 0.94 | 0.74 | 0.87 |
| Up Beta | 3.42 | 2.21 | 1.19 | 2.03 | 0.64 | 0.88 |
| Down Beta | 0.91 | 1.19 | 0.78 | 0.93 | 0.90 | 0.96 |
| Up Capture | 92% | 64% | 88% | 85% | 73% | 46% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 10 | 19 | 28 | 57 | 112 | 351 |
| Down Capture | -45% | 25% | 19% | 33% | 76% | 96% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 22 | 32 | 66 | 134 | 385 |
[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 | |
|---|---|---|---|---|
| CWBC | 32.5% | 25.6% | 1.06 | - |
| Sector ETF (XLF) | 2.0% | 19.4% | -0.02 | 62.5% |
| Equity (SPY) | 13.0% | 19.4% | 0.51 | 54.8% |
| Gold (GLD) | 67.2% | 25.5% | 1.99 | -10.2% |
| Commodities (DBC) | 5.2% | 16.8% | 0.13 | 8.2% |
| Real Estate (VNQ) | 7.8% | 16.6% | 0.28 | 49.8% |
| Bitcoin (BTCUSD) | -28.8% | 44.9% | -0.62 | 17.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CWBC | |
|---|---|---|---|---|
| CWBC | 10.3% | 30.7% | 0.36 | - |
| Sector ETF (XLF) | 12.6% | 18.7% | 0.55 | 47.3% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 35.5% |
| Gold (GLD) | 21.3% | 17.1% | 1.02 | -0.5% |
| Commodities (DBC) | 10.2% | 18.9% | 0.42 | 7.6% |
| Real Estate (VNQ) | 5.3% | 18.8% | 0.19 | 34.3% |
| Bitcoin (BTCUSD) | 8.2% | 57.2% | 0.36 | 11.2% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CWBC | |
|---|---|---|---|---|
| CWBC | 10.2% | 38.4% | 0.37 | - |
| Sector ETF (XLF) | 14.2% | 22.2% | 0.59 | 53.7% |
| Equity (SPY) | 15.8% | 17.9% | 0.76 | 43.6% |
| Gold (GLD) | 14.8% | 15.6% | 0.79 | -3.1% |
| Commodities (DBC) | 8.0% | 17.6% | 0.37 | 13.4% |
| Real Estate (VNQ) | 6.8% | 20.7% | 0.29 | 44.0% |
| Bitcoin (BTCUSD) | 68.5% | 66.7% | 1.08 | 9.9% |
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Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/22/2026 | -0.2% | -0.7% | |
| 10/16/2025 | 2.5% | 3.7% | 7.4% |
| 7/17/2025 | 0.4% | 0.8% | -0.5% |
| 4/21/2025 | 3.6% | 8.6% | 16.0% |
| 1/23/2025 | 1.7% | 3.6% | -0.6% |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 9 | 12 | 12 |
| # Negative | 13 | 10 | 9 |
| Median Positive | 1.7% | 3.2% | 8.2% |
| Median Negative | -1.8% | -2.6% | -9.7% |
| Max Positive | 11.9% | 17.9% | 17.8% |
| Max Negative | -10.5% | -21.5% | -23.9% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/17/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/12/2024 | 10-Q |
| 03/31/2024 | 05/14/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/09/2023 | 10-K |
| 09/30/2022 | 11/02/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/04/2022 | 10-Q |
| 12/31/2021 | 03/09/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cagle, Dawn M | EXECUTIVE VICE PRESIDENT | Direct | Buy | 12022025 | 19.19 | 159 | 3,051 | 256,601 | Form |
| 2 | Livingston, Shannon R | EXECUTIVE VICE PRESIDENT | Direct | Buy | 12022025 | 19.19 | 84 | 1,612 | 410,278 | Form |
| 3 | Martin, Jeffrey Michael | EXECUTIVE VICE PRESIDENT | Direct | Buy | 12022025 | 19.19 | 75 | 1,439 | 468,395 | Form |
| 4 | Plourd, Martin E | PRESIDENT | Direct | Buy | 12022025 | 19.19 | 316 | 6,063 | 2,163,524 | Form |
| 5 | Stovesand, Kirk | Direct | Buy | 11182025 | 21.37 | 402 | 8,591 | 1,671,903 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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