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    Community West Bancshares (CWBC)

    Market Price (8/9/2026): $25.22 | Market Cap: $480.7 MilSector: Financials | Industry: Regional Banks

    Community West Bancshares (CWBC)

    Market Price (8/9/2026): $25.22
    Market Cap: $480.7 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 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.2%, FCF Yield is 8.5%

    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 -67%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%

    Low stock price volatility
    Vol 12M is 23%

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

    Weak multi-year price returns
    2Y Excs Rtn is -8.5%, 3Y Excs Rtn is -7.1%

    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 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.2%, FCF Yield is 8.5%
    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 -67%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%
    3 Low stock price volatility
    Vol 12M is 23%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Weak multi-year price returns
    2Y Excs Rtn is -8.5%, 3Y Excs Rtn is -7.1%
    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

    IWM0.02%
    KRE0.15%
    IWN0.03%
    AVUV0.03%
    VTWO0.02%
    DFAS0.01%
    IWO0.01%
    DFAC0.00%
    +1 more covered ETF

    Valuation & Metrics

    FYE: 12/31CWBC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$148.3 Mil—
    FY 2026 Sales$207.6 Mil—
    FY 2027 Sales$236.6 Mil—
    FY 2026 Sales Growth40.0%—
    FY 2027 Sales Growth14.0%12.8%
    EARNINGS
    LTM Net Income (GAAP) [3]$41.4 Mil—
    FY 2026 Net Income (Non-GAAP)$37.4 Mil—
    FY 2027 Net Income (Non-GAAP)$57.0 Mil—
    FY 2027 Net Income Growth52.4%18.8%
    FY 2026 EPS (Non-GAAP)$1.99—
    FY 2027 EPS (Non-GAAP)$2.99—
    FY 2027 EPS Growth50.5%—
    VALUATION
    FY 2026 P/S2.31.8
    FY 2027 P/S2.0—
    FY 2026 P/E12.98.4
    FY 2027 P/E8.4—

    [1] CWBC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 8/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    CWBCS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.1
    Rev Chg Q11.9%9.4%
    Rev Chg LTM15.9%8.1%
    Rev Chg 3Y Avg21.3%5.9%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM31.0%21.9%
    Net Inc Mgn27.9%13.1%
    VALUATIONLOW
    P/S3.23.3
    P/CFO10.515.9
    P/FCF11.720.3
    P/E11.623.7

    AI Analysis | Feedback

    MetricValueDateSource
    Net Interest Margin4.20%9302025Link
    Efficiency Ratio58.5%9302025Link
    Number of Full-Service Banking Centers316302025Link
    Number of Employees3426302025Link
    Gross Loans$2,449,100,0009302025Link
    Loan Portfolio CompositionThe bank maintains departments for Commercial Lending, Agribusiness, SBA, Residential Construction and Mortgage, Manufactured Housing, Private Banking, and Cash Management.9302025Link

    Price Chart

    Recent
    7/23/2026Earnings ReleaseRev: $49 Mil (A) vs. $55 Mil (E)
    EPS: 0.10 (A) vs. $0.30 (E)
    Upcoming
    8/07/2026DividendAmount: $0.12
    Payment On: 8/21/2026
    10/21/2026Earnings ReleaseRev: $56 Mil (E)
    EPS: $0.65 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 8/1/2026

    Community West Bancshares (CWBC) stock has gained about 5% since 4/30/2026 because of the following key factors:

    1. Completion of the United Security Bancshares Merger.

    Community West Bancshares (CWBC) completed its merger with United Security Bancshares on April 1, 2026, just prior to the specified period. This strategic consolidation created a larger, stronger community bank in Central California, enhancing its market position and operational scale, which likely fueled investor confidence.

    2. Strong Fiscal Q1 2026 Earnings Beat.

    Reported on April 23, 2026, CWBC's fiscal Q1 2026 results exceeded analyst expectations, with diluted earnings per share (EPS) of $0.61, surpassing the consensus estimate of $0.56 by $0.05. Revenue also beat estimates, coming in at $38.58 million against an expected $38.23 million. Additionally, the net interest margin increased to 4.30% for the quarter, contributing to a positive outlook entering the period.

    Show more
    Updated on 8/1/2026

    Community West Bancshares (CWBC) stock has gained about 5% since 4/30/2026 because of the following key factors:

    1. Completion of the United Security Bancshares Merger.

    Community West Bancshares (CWBC) completed its merger with United Security Bancshares on April 1, 2026, just prior to the specified period. This strategic consolidation created a larger, stronger community bank in Central California, enhancing its market position and operational scale, which likely fueled investor confidence.

    2. Strong Fiscal Q1 2026 Earnings Beat.

    Reported on April 23, 2026, CWBC's fiscal Q1 2026 results exceeded analyst expectations, with diluted earnings per share (EPS) of $0.61, surpassing the consensus estimate of $0.56 by $0.05. Revenue also beat estimates, coming in at $38.58 million against an expected $38.23 million. Additionally, the net interest margin increased to 4.30% for the quarter, contributing to a positive outlook entering the period.

    3. Positive Analyst Sentiment and Upward Price Target Revisions.

    Throughout the period, analysts maintained a "Moderate Buy" consensus rating for CWBC. Notably, on April 27th, Piper Sandler increased its price target to $30.50, and on April 28th, DA Davidson reaffirmed a "buy" rating with a $29.00 target price, reflecting continued analyst confidence in the company's prospects.

    4. Resilient Key Financial Metrics in Fiscal Q2 2026.

    Despite some mixed reports on headline earnings per share for fiscal Q2 2026 (ended June 30, 2026), CWBC demonstrated strength in core operational areas. The company reported Net Interest Income of $50.91 million, exceeding the average estimate of $48.6 million, and a Net Interest Margin of 4.6%, above the 4.5% estimate. Total Non-Interest Income also surpassed expectations at $3.93 million compared to an estimated $3.6 million. These underlying positive metrics likely supported the stock's overall gain.

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    Stock Movement Drivers

    Fundamental Drivers

    The 7.3% change in CWBC stock from 4/30/2026 to 8/8/2026 was primarily driven by a 5.4% change in the company's Net Income Margin (%).
    (LTM values as of)43020268082026Change
    Stock Price ($)23.4925.207.3%
    Change Contribution By: 
    Total Revenues ($ Mil)1441482.8%
    Net Income Margin (%)26.5%27.9%5.4%
    P/E Multiple11.711.6-0.9%
    Shares Outstanding (Mil)1919-0.1%
    Cumulative Contribution7.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 8/8/2026
    ReturnCorrelation
    CWBC7.3% 
    Market (SPY)7.6%15.0%
    Sector (XLF)10.5%41.7%

    Fundamental Drivers

    The 6.7% change in CWBC stock from 1/31/2026 to 8/8/2026 was primarily driven by a 15.2% change in the company's Net Income Margin (%).
    (LTM values as of)13120268082026Change
    Stock Price ($)23.6325.206.7%
    Change Contribution By: 
    Total Revenues ($ Mil)1401486.0%
    Net Income Margin (%)24.2%27.9%15.2%
    P/E Multiple13.311.6-12.4%
    Shares Outstanding (Mil)1919-0.2%
    Cumulative Contribution6.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    1/31/2026 to 8/8/2026
    ReturnCorrelation
    CWBC6.7% 
    Market (SPY)12.1%29.7%
    Sector (XLF)8.3%52.0%

    Fundamental Drivers

    The 34.4% change in CWBC stock from 7/31/2025 to 8/8/2026 was primarily driven by a 190.6% change in the company's Net Income Margin (%).
    (LTM values as of)73120258082026Change
    Stock Price ($)18.7525.2034.4%
    Change Contribution By: 
    Total Revenues ($ Mil)12814815.9%
    Net Income Margin (%)9.6%27.9%190.6%
    P/E Multiple28.911.6-59.8%
    Shares Outstanding (Mil)1919-0.7%
    Cumulative Contribution34.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2025 to 8/8/2026
    ReturnCorrelation
    CWBC34.4% 
    Market (SPY)23.4%35.7%
    Sector (XLF)11.3%54.1%

    Fundamental Drivers

    The 59.6% change in CWBC stock from 7/31/2023 to 8/8/2026 was primarily driven by a 73.0% change in the company's P/E Multiple.
    (LTM values as of)73120238082026Change
    Stock Price ($)15.7925.2059.6%
    Change Contribution By: 
    Total Revenues ($ Mil)8714870.7%
    Net Income Margin (%)31.7%27.9%-12.0%
    P/E Multiple6.711.673.0%
    Shares Outstanding (Mil)1219-38.6%
    Cumulative Contribution59.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2023 to 8/8/2026
    ReturnCorrelation
    CWBC59.6% 
    Market (SPY)74.9%41.4%
    Sector (XLF)70.4%53.5%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    CWBC Return43%5%9%-11%19%14%96%
    Peers Return13%-10%39%24%49%11%187%
    S&P 500 Return27%-19%24%23%16%13%105%

    Monthly Win Rates [3]
    CWBC Win Rate50%67%58%42%50%75% 
    Peers Win Rate44%46%56%58%60%62% 
    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-11%-31%-26%-22%-24%-17% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: FUNC, CBFV, FCBM, CBC, 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 8/7/2026 (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, FCBM, CBC, NU

    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, FCBM, CBC, NU

    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.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    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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    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    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.

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    XOPState Street SPDR S&P Oil & Gas Explo...Equity-6.2%32.3%
    EWZiShares MSCI Brazil ETFEquity-3.6%11.2%
    XLEState Street Energy Select Sector SPD...Equity-3.4%29.4%
    UNGUnited States Natural Gas Fund LPCommodity-3.2%-20.6%
    FXNFirst Trust Energy AlphaDEX FundEquity-3.0%30.7%
    ILFiShares Latin America 40 ETFEquity-2.1%13.7%
    DBCInvesco DB Commodity Index Tracking FundCommodity-1.8%29.3%
    PDBCInvesco Optimum Yield Diversified Com...Commodity-1.8%30.2%
    XLUState Street Utilities Select Sector ...Equity-1.7%2.9%

    Top Gainers

    TickerCompanyCategory1M RtnYTD Rtn
    RINGiShares MSCI Global Gold Miners ETFEquity19.8%5.9%
    PALLETFS Physical Palladium SharesCommodity10.4%-13.8%
    ETHAiShares Ethereum Trust ETFCryptocurrency9.7%-35.5%
    IGViShares Expanded Tech-Software Sector...Equity9.4%-2.8%
    PPLTETFS Physical Platinum SharesCommodity8.4%-15.0%
    COWZPacer US Cash Cows 100 ETFEquity8.3%15.4%
    FXIiShares China Large-Cap ETFEquity8.3%-5.5%
    KWEBKraneShares CSI China Internet ETFEquity8.2%-15.8%
    USOUnited States Oil Fund LPCommodity8.2%70.6%
    AKREAkre Focus ETFEquity7.5%-10.1%

    Top Losers

    TickerCompanyCategory1M RtnYTD Rtn
    EWYiShares MSCI South Korea ETFEquity-10.1%70.8%
    UNGUnited States Natural Gas Fund LPCommodity-10.1%-20.6%
    SOXXiShares Semiconductor ETFEquity-6.6%80.5%
    ICLNiShares Global Clean Energy ETFEquity-5.3%11.4%
    SOXQInvesco PHLX Semiconductor ETFEquity-4.7%74.5%
    XOVREntrepreneurShares Series Trust ERSha...Equity-4.5%-0.0%
    NASATema Space Innovators ETFEquity-4.3%1.5%
    XBIState Street SPDR S&P Biotech ETFEquity-4.2%29.1%
    SMHVanEck Semiconductor ETFEquity-4.1%61.8%
    MTUMiShares MSCI USA Momentum Factor ETFEquity-3.7%23.7%

    More From Trefis

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    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    CWBCFUNCCBFVFCBMCBCNUMedian
    NameCommunit.First Un.CB Finan.First Ca.Central .Nu  
    Mkt Price25.2044.7437.9512.4933.5113.8429.35
    Mkt Cap0.50.30.2-402.667.20.5
    Rev LTM1489346-1,00011,915148
    Op Inc LTM-------
    FCF LTM412620-45786841
    FCF 3Y Avg252312--1,71224
    CFO LTM463020-4911,20146
    CFO 3Y Avg322514--1,95229

    Growth & Margins

    CWBCFUNCCBFVFCBMCBCNUMedian
    NameCommunit.First Un.CB Finan.First Ca.Central .Nu  
    Rev Chg LTM15.9%11.6%-6.4%--39.5%13.7%
    Rev Chg 3Y Avg21.3%7.0%-2.8%--51.8%14.2%
    Rev Chg Q11.9%9.9%15.1%--57.2%13.5%
    QoQ Delta Rev Chg LTM2.8%2.4%4.5%--12.1%3.7%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM31.0%32.2%43.6%-49.1%10.1%32.2%
    CFO/Rev 3Y Avg26.2%30.1%29.7%--22.3%27.9%
    FCF/Rev LTM27.7%27.8%42.3%-45.7%7.3%27.8%
    FCF/Rev 3Y Avg19.9%27.5%24.8%--19.6%22.3%

    Valuation

    CWBCFUNCCBFVFCBMCBCNUMedian
    NameCommunit.First Un.CB Finan.First Ca.Central .Nu  
    Mkt Cap0.50.30.2-402.667.20.5
    P/S3.23.14.2-402.55.64.2
    P/Op Inc-------
    P/EBIT-------
    P/E11.611.526.7-1,072.721.121.1
    P/CFO10.49.69.6-820.556.010.4
    Total Yield10.5%10.9%6.6%-0.1%4.7%6.6%
    Dividend Yield1.9%2.2%2.8%-0.0%0.0%1.9%
    FCF Yield 3Y Avg6.6%12.1%7.1%--2.6%6.8%
    D/E0.20.10.5-0.00.00.1
    Net D/E-0.7-0.20.1--0.0-0.4-0.2

    Returns

    CWBCFUNCCBFVFCBMCBCNUMedian
    NameCommunit.First Un.CB Finan.First Ca.Central .Nu  
    1M Rtn-6.0%2.5%0.3%-2.4%7.5%1.2%0.8%
    3M Rtn5.5%17.5%7.8%-0.9%23.4%0.3%6.7%
    6M Rtn0.1%14.4%3.5%-0.9%39.4%-20.5%1.8%
    12M Rtn36.6%40.3%27.2%-0.9%85.0%12.5%31.9%
    3Y Rtn64.9%193.3%87.1%-0.9%151.5%76.8%81.9%
    1M Excs Rtn-8.9%-0.3%-2.5%-5.3%4.7%-1.6%-2.1%
    3M Excs Rtn-0.5%12.1%1.3%-6.6%17.2%-8.7%0.4%
    6M Excs Rtn-13.3%0.9%-10.9%-15.0%27.2%-31.8%-12.1%
    12M Excs Rtn14.9%20.9%3.2%-23.1%62.7%-9.0%9.1%
    3Y Excs Rtn-7.1%117.1%16.3%-72.8%75.7%5.3%10.8%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
    Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
    Filing Date5/8/20263/11/202611/7/20258/8/20255/9/20253/17/202511/6/20248/12/20245/14/20243/15/202411/2/20238/3/2023
    Key Financials Quarterly            
    Total Revenue383837353433313020222222
    Net Income1111118873-64666
    EPS0.600.590.570.410.440.370.18-0.330.310.500.540.54
    Key Financials TTM            
    Total Revenue TTM1481441401331281141029485888988
    Net Income TTM4138342612871022262727
    Growth Rates Quarterly            
    Total Revenue Growth11.9%12.8%22.2%17.4%67.6%54.3%39.9%38.7%-10.6%-4.0%2.3%6.5%
    Net Income Growth38.5%62.0%221.2%224.5%125.6%17.0%-47.0%-200.1%-47.3%-22.8%0.1%-4.0%
    Margins Quarterly            
    Net Income Margin30.0%29.7%29.2%22.3%24.3%20.7%11.1%-21.0%18.0%27.3%29.3%29.1%
    Cash & Debt            
    Total Cash424413421435617424653642634462668748
    Total Debt103143901562042032022201371507070
    Net Debt / (Cash)-321-270-331-279-413-220-451-421-498-312-598-679
    Cash Flows Quarterly            
    FCF from Operations11101312115854485
    Cash Flows TTM            
    FCF from Operations TTM464641362922212121283334
    Returns to Shareholders Quarterly            
    Dividends222222221111
    Share Repurchases0-0-000-000-0-0-00
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking operations144114888380
    Total144114888380


    Net Income by Segment
    $ Mil202520242023
    Banking operations38826
    Total38826


    Assets by Segment
    $ Mil202520242023
    Banking operations3,6903,5222,433
    Adjustments and reconciling items000
    Total3,6903,5222,433


    Price Behavior

    Price Behavior
    Market Price$25.20 
    Market Cap ($ Bil)0.5 
    First Trading Date03/08/1999 
    Distance from 52W High-9.6% 
       50 Days200 Days
    DMA Price$25.75$23.57
    DMA Trendupup
    Distance from DMA-2.1%6.9%
     3M1YR
    Volatility25.4%23.2%
    Downside Capture4.3837.24
    Upside Capture26.6364.26
    Correlation (SPY)12.3%35.4%
    CWBC Betas & Captures as of 7/31/2026

     1M2M3M6M1Y3Y
    Beta0.490.060.200.430.630.74
    Up Beta1.00-0.050.260.610.980.76
    Down Beta0.610.260.300.290.600.88
    Up Capture-25%16%25%39%53%37%
    Bmk +ve Days11223567138427
    Stock +ve Days10243564121363
    Down Capture84%-12%2%42%49%84%
    Bmk -ve Days11212859114326
    Stock -ve Days12192861128377

    [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
    CWBC37.4%23.1%1.30-
    Sector ETF (XLF)12.3%14.6%0.5753.7%
    Equity (SPY)23.3%12.8%1.3635.1%
    Gold (GLD)28.5%28.4%0.87-5.6%
    Commodities (DBC)32.9%19.8%1.32-31.3%
    Real Estate (VNQ)14.2%13.8%0.7236.9%
    Bitcoin (BTCUSD)-43.7%43.0%-1.2113.7%

    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
    CWBC5.1%29.7%0.19-
    Sector ETF (XLF)11.4%18.4%0.4848.0%
    Equity (SPY)13.5%17.2%0.6136.4%
    Gold (GLD)18.6%18.6%0.81-1.8%
    Commodities (DBC)8.2%19.6%0.312.3%
    Real Estate (VNQ)2.3%18.9%0.0235.5%
    Bitcoin (BTCUSD)9.0%53.0%0.3610.9%

    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%38.1%0.31-
    Sector ETF (XLF)13.6%22.1%0.5654.6%
    Equity (SPY)15.4%17.9%0.7343.9%
    Gold (GLD)12.1%16.2%0.61-1.9%
    Commodities (DBC)7.4%18.0%0.3311.0%
    Real Estate (VNQ)4.8%20.7%0.2044.6%
    Bitcoin (BTCUSD)58.4%66.2%0.9810.5%

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

    Short Interest

    Short Interest: As Of Date7152026
    Short Interest: Shares Quantity1.2 Mil
    Short Interest: % Change Since 630202620.0%
    Average Daily Volume0.3 Mil
    Days-to-Cover Short Interest4.1 days
    Basic Shares Quantity19.1 Mil
    Short % of Basic Shares6.3%

    Returns Analyses

    Earnings Returns History

    Updated 8/3/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/2026-6.1%-5.5% 
    4/23/20261.0%-1.0%-0.1%
    1/22/2026-0.2%-0.7%-1.3%
    10/16/20252.5%3.7%7.4%
    7/17/20250.4%0.8%-0.5%
    4/21/20253.6%8.6%16.0%
    1/23/20251.7%3.6%-0.6%
    10/24/2024-0.7%0.2%17.3%
    ...
    SUMMARY STATS   
    # Positive101111
    # Negative121110
    Median Positive1.7%2.9%8.9%
    Median Negative-3.1%-3.2%-7.3%
    Max Positive11.9%17.9%17.8%
    Max Negative-10.5%-21.5%-23.9%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/2026-6.1%-5.5% 
    4/23/20261.0%-1.0%-0.1%
    1/22/2026-0.2%-0.7%-1.3%
    10/16/20252.5%3.7%7.4%
    7/17/20250.4%0.8%-0.5%
    4/21/20253.6%8.6%16.0%
    1/23/20251.7%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%
    1/18/2024-1.5%0.3%-9.7%
    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%
    1/26/202311.9%17.9%17.8%
    10/19/20223.1%3.8%8.9%
    7/20/2022-1.4%0.2%12.4%
    4/20/2022-4.7%-11.6%-23.9%
    1/26/20220.2%0.6%1.9%
    10/20/20210.4%-0.4%1.2%
    7/21/20211.7%2.9%5.8%
    10/28/2020-1.8%-5.0%13.5%
    SUMMARY STATS   
    # Positive101111
    # Negative121110
    Median Positive1.7%2.9%8.9%
    Median Negative-3.1%-3.2%-7.3%
    Max Positive11.9%17.9%17.8%
    Max Negative-10.5%-21.5%-23.9%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    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
     Collapse to Preview
    Report DateFiling DateFiling
    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
    06/30/201908/07/201910-Q

    Insider Activity

    Updated 8/4/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Gill, Jagroop DirectBuy804202625.002305,75014,582,425Form
    2Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy601202620.911663,471281,074Form
    3Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy601202620.91941,965417,826Form
    4Stovesand, Kirk DirectBuy526202623.902576,1421,973,877Form
    5Silva, Dorothea D DirectBuy506202623.571503,536290,141Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Gill, Jagroop DirectBuy804202625.002305,75014,582,425Form
    2Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy601202620.911663,471281,074Form
    3Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy601202620.91941,965417,826Form
    4Stovesand, Kirk DirectBuy526202623.902576,1421,973,877Form
    5Silva, Dorothea D DirectBuy506202623.571503,536290,141Form
    6Silva, Dorothea D DirectBuy506202623.7815357289,159Form
    7Plourd, Martin EPRESIDENTDirectBuy304202620.652825,8232,323,868Form
    8Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy304202620.652665,493447,031Form
    9Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy304202620.653517,248283,401Form
    10Kim, James JCEODirectBuy304202620.651,08922,4881,215,232Form
    11Martin, Jeffrey MichaelEXECUTIVE VICE PRESIDENTDirectBuy304202620.652064,254508,337Form
    12Stovesand, Kirk DirectBuy220202624.503769,2121,925,994Form
    13Lokey, James W DirectBuy130202623.2950011,645353,415Form
    14Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy1202202519.191593,051256,601Form
    15Livingston, Shannon REXECUTIVE VICE PRESIDENTDirectBuy1202202519.19841,612410,278Form
    16Martin, Jeffrey MichaelEXECUTIVE VICE PRESIDENTDirectBuy1202202519.19751,439468,395Form
    17Plourd, Martin EPRESIDENTDirectBuy1202202519.193166,0632,163,524Form
    18Stovesand, Kirk DirectBuy1118202521.374028,5911,671,903Form
    19Silva, Dorothea D DirectBuy903202521.2917362258,562Form
    20Cagle, Dawn MEXECUTIVE VICE PRESIDENTDirectBuy902202516.022223,556211,688Form
    21Martin, Jeffrey MichaelEXECUTIVE VICE PRESIDENTDirectBuy902202516.021041,666389,860Form
    22Avrett, Shannon REXECUTIVE VICE PRESIDENTDirectBuy902202516.021181,890341,194Form
    23Plourd, Martin EPRESIDENTDirectBuy902202516.024417,0651,484,846Form
    24Lokey, James W DirectBuy821202520.30651,316297,894Form
    25Stovesand, Kirk DirectBuy815202520.304218,5461,527,250Form

    Investor Activity (13F)

    Updated Aug 9, 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

    Industry Resources

    External Quote Links


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