Community West Bancshares (CWBC)
Market Price (7/13/2026): $26.99 | Market Cap: $514.4 MilSector: Financials | Industry: Regional Banks
Community West Bancshares (CWBC)
Market Price (7/13/2026): $26.99Market Cap: $514.4 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 9.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.7%, FCF Yield is 8.0% 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 -62% Attractive cash flow generationCFO/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 volatilityVol 12M is 23% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -1.7%, Dist 3Y High is -1.7% | 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. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.7%, FCF Yield is 8.0% |
| 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 -62% |
| Attractive cash flow generationCFO/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 volatilityVol 12M is 23% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -1.7%, Dist 3Y High is -1.7% |
| 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
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Updated on 7/1/2026
Community West Bancshares (CWBC) stock has gained about 15% since 3/31/2026 because of the following key factors:
1. Community West Bancshares successfully completed its merger with United Security Bancshares on April 1, 2026. This strategic acquisition created a combined entity with approximately $5 billion in total assets and expanded its footprint across 13 Central California counties, enhancing its market reach and lending capacity.
2. The company reported strong financial results for fiscal Q1 2026, exceeding analyst expectations. On April 23, 2026, Community West Bancshares announced diluted earnings per share of $0.60 for the three months ended March 31, 2026, surpassing the consensus estimate of $0.5722 by 4.86%. Net income for the quarter increased by 38.5% year-over-year to $11.49 million, or $0.60 per diluted common share, compared to $8.29 million, or $0.44 per diluted common share in fiscal Q1 2025. The net interest margin also improved to 4.30% in fiscal Q1 2026, up from 4.24% in the trailing quarter.
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Community West Bancshares (CWBC) stock has gained about 15% since 3/31/2026 because of the following key factors:
1. Community West Bancshares successfully completed its merger with United Security Bancshares on April 1, 2026. This strategic acquisition created a combined entity with approximately $5 billion in total assets and expanded its footprint across 13 Central California counties, enhancing its market reach and lending capacity.
2. The company reported strong financial results for fiscal Q1 2026, exceeding analyst expectations. On April 23, 2026, Community West Bancshares announced diluted earnings per share of $0.60 for the three months ended March 31, 2026, surpassing the consensus estimate of $0.5722 by 4.86%. Net income for the quarter increased by 38.5% year-over-year to $11.49 million, or $0.60 per diluted common share, compared to $8.29 million, or $0.44 per diluted common share in fiscal Q1 2025. The net interest margin also improved to 4.30% in fiscal Q1 2026, up from 4.24% in the trailing quarter.
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Updated on 7/1/2026
Community West Bancshares (CWBC) stock has gained about 15% since 3/31/2026 because of the following key factors:
1. Community West Bancshares successfully completed its merger with United Security Bancshares on April 1, 2026. This strategic acquisition created a combined entity with approximately $5 billion in total assets and expanded its footprint across 13 Central California counties, enhancing its market reach and lending capacity.
2. The company reported strong financial results for fiscal Q1 2026, exceeding analyst expectations. On April 23, 2026, Community West Bancshares announced diluted earnings per share of $0.60 for the three months ended March 31, 2026, surpassing the consensus estimate of $0.5722 by 4.86%. Net income for the quarter increased by 38.5% year-over-year to $11.49 million, or $0.60 per diluted common share, compared to $8.29 million, or $0.44 per diluted common share in fiscal Q1 2025. The net interest margin also improved to 4.30% in fiscal Q1 2026, up from 4.24% in the trailing quarter.
3. Community West Bancshares was added to the S&P Regional Banks Select Industry Index around June 24, 2026. This inclusion likely acted as a significant catalyst, as index-tracking funds typically engage in mandatory buying of newly added components. The stock surged by 4.39% on June 24, 2026, following this development.
4. Positive analyst sentiment and coverage contributed to the stock's upward trend. Around April 13, 2026, Piper Sandler initiated coverage with a "Buy-equivalent" rating, and by June 28, 2026, the company held a consensus recommendation of "Moderate Buy" from analysts. Analysts' price targets range from a minimum of $26.00 to a maximum of $30.50 per share, indicating potential upside for the stock.
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Community West Bancshares (CWBC) stock has gained about 15% since 3/31/2026 because of the following key factors:
1. Community West Bancshares successfully completed its merger with United Security Bancshares on April 1, 2026. This strategic acquisition created a combined entity with approximately $5 billion in total assets and expanded its footprint across 13 Central California counties, enhancing its market reach and lending capacity.
2. The company reported strong financial results for fiscal Q1 2026, exceeding analyst expectations. On April 23, 2026, Community West Bancshares announced diluted earnings per share of $0.60 for the three months ended March 31, 2026, surpassing the consensus estimate of $0.5722 by 4.86%. Net income for the quarter increased by 38.5% year-over-year to $11.49 million, or $0.60 per diluted common share, compared to $8.29 million, or $0.44 per diluted common share in fiscal Q1 2025. The net interest margin also improved to 4.30% in fiscal Q1 2026, up from 4.24% in the trailing quarter.
3. Community West Bancshares was added to the S&P Regional Banks Select Industry Index around June 24, 2026. This inclusion likely acted as a significant catalyst, as index-tracking funds typically engage in mandatory buying of newly added components. The stock surged by 4.39% on June 24, 2026, following this development.
4. Positive analyst sentiment and coverage contributed to the stock's upward trend. Around April 13, 2026, Piper Sandler initiated coverage with a "Buy-equivalent" rating, and by June 28, 2026, the company held a consensus recommendation of "Moderate Buy" from analysts. Analysts' price targets range from a minimum of $26.00 to a maximum of $30.50 per share, indicating potential upside for the stock.
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Stock Movement Drivers
Fundamental Drivers
The 16.5% change in CWBC stock from 3/31/2026 to 7/12/2026 was primarily driven by a 7.5% change in the company's P/E Multiple.| (LTM values as of) | 3312026 | 7122026 | Change |
|---|---|---|---|
| Stock Price ($) | 23.18 | 27.00 | 16.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 144 | 148 | 2.8% |
| Net Income Margin (%) | 26.5% | 27.9% | 5.4% |
| P/E Multiple | 11.6 | 12.4 | 7.5% |
| Shares Outstanding (Mil) | 19 | 19 | -0.1% |
| Cumulative Contribution | 16.5% |
Market Drivers
3/31/2026 to 7/12/2026| Return | Correlation | |
|---|---|---|
| CWBC | 16.5% | |
| Market (SPY) | 16.1% | 19.3% |
| Sector (XLF) | 12.8% | 50.6% |
Fundamental Drivers
The 21.2% change in CWBC stock from 12/31/2025 to 7/12/2026 was primarily driven by a 15.2% change in the company's Net Income Margin (%).| (LTM values as of) | 12312025 | 7122026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.28 | 27.00 | 21.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 140 | 148 | 6.0% |
| Net Income Margin (%) | 24.2% | 27.9% | 15.2% |
| P/E Multiple | 12.5 | 12.4 | -0.5% |
| Shares Outstanding (Mil) | 19 | 19 | -0.2% |
| Cumulative Contribution | 21.2% |
Market Drivers
12/31/2025 to 7/12/2026| Return | Correlation | |
|---|---|---|
| CWBC | 21.2% | |
| Market (SPY) | 11.0% | 32.0% |
| Sector (XLF) | 2.2% | 57.2% |
Fundamental Drivers
The 41.4% change in CWBC stock from 6/30/2025 to 7/12/2026 was primarily driven by a 190.6% change in the company's Net Income Margin (%).| (LTM values as of) | 6302025 | 7122026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.09 | 27.00 | 41.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 128 | 148 | 15.9% |
| Net Income Margin (%) | 9.6% | 27.9% | 190.6% |
| P/E Multiple | 29.4 | 12.4 | -57.7% |
| Shares Outstanding (Mil) | 19 | 19 | -0.7% |
| Cumulative Contribution | 41.4% |
Market Drivers
6/30/2025 to 7/12/2026| Return | Correlation | |
|---|---|---|
| CWBC | 41.4% | |
| Market (SPY) | 23.2% | 36.7% |
| Sector (XLF) | 7.7% | 56.4% |
Fundamental Drivers
The 88.4% change in CWBC stock from 6/30/2023 to 7/12/2026 was primarily driven by a 104.2% change in the company's P/E Multiple.| (LTM values as of) | 6302023 | 7122026 | Change |
|---|---|---|---|
| Stock Price ($) | 14.33 | 27.00 | 88.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 87 | 148 | 70.7% |
| Net Income Margin (%) | 31.7% | 27.9% | -12.0% |
| P/E Multiple | 6.1 | 12.4 | 104.2% |
| Shares Outstanding (Mil) | 12 | 19 | -38.6% |
| Cumulative Contribution | 88.4% |
Market Drivers
6/30/2023 to 7/12/2026| Return | Correlation | |
|---|---|---|
| CWBC | 88.4% | |
| Market (SPY) | 76.3% | 40.1% |
| Sector (XLF) | 72.7% | 52.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CWBC Return | 43% | 5% | 9% | -11% | 19% | 21% | 108% |
| Peers Return | 20% | 5% | 17% | 23% | 44% | 13% | 198% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 10% | 101% |
Monthly Win Rates [3] | |||||||
| CWBC Win Rate | 50% | 67% | 58% | 42% | 50% | 86% | |
| Peers Win Rate | 58% | 47% | 50% | 58% | 61% | 60% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 57% | |
Max Drawdowns [4] | |||||||
| CWBC Max Drawdown | -15% | -38% | -50% | -25% | -19% | -13% | |
| Peers Max Drawdown | -11% | -18% | -27% | -18% | -22% | -9% | |
| 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, HAPN, CBC. 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 7/10/2026 (YTD)
How Low Can It Go
| Event | CWBC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -17.2% | -18.8% |
| % Gain to Breakeven | 20.7% | 23.1% |
| Time to Breakeven | 71 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -14.5% | -9.5% |
| % Gain to Breakeven | 16.9% | 10.5% |
| Time to Breakeven | 14 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -50.2% | -6.7% |
| % Gain to Breakeven | 100.9% | 7.1% |
| Time to Breakeven | 948 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.3% | -24.5% |
| % Gain to Breakeven | 43.5% | 32.4% |
| Time to Breakeven | 145 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -45.3% | -33.7% |
| % Gain to Breakeven | 82.7% | 50.9% |
| Time to Breakeven | 336 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -15.1% | -19.2% |
| % Gain to Breakeven | 17.8% | 23.8% |
| Time to Breakeven | 189 days | 105 days |
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
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| Event | CWBC | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -50.2% | -6.7% |
| % Gain to Breakeven | 100.9% | 7.1% |
| Time to Breakeven | 948 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.3% | -24.5% |
| % Gain to Breakeven | 43.5% | 32.4% |
| Time to Breakeven | 145 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -45.3% | -33.7% |
| % Gain to Breakeven | 82.7% | 50.9% |
| Time to Breakeven | 336 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -22.0% | -17.9% |
| % Gain to Breakeven | 28.3% | 21.8% |
| Time to Breakeven | 132 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -66.8% | -53.4% |
| % Gain to Breakeven | 201.6% | 114.4% |
| Time to Breakeven | 1714 days | 1085 days |
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.
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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.
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- 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.
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.
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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.
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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.
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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.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 29.05 |
| Mkt Cap | 0.4 |
| Rev LTM | 148 |
| Op Inc LTM | - |
| FCF LTM | 22 |
| FCF 3Y Avg | 16 |
| CFO LTM | 26 |
| CFO 3Y Avg | 18 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.6% |
| Rev Chg 3Y Avg | 2.9% |
| Rev Chg Q | 13.9% |
| QoQ Delta Rev Chg LTM | 3.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.0% |
| CFO/Rev 3Y Avg | 26.2% |
| FCF/Rev LTM | 27.7% |
| FCF/Rev 3Y Avg | 20.3% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking operations | 144 | 114 | 88 | 83 | 80 |
| Total | 144 | 114 | 88 | 83 | 80 |
| $ Mil | 2025 | 2024 | 2023 |
|---|---|---|---|
| Banking operations | 38 | 8 | 26 |
| Total | 38 | 8 | 26 |
| $ Mil | 2025 | 2024 | 2023 |
|---|---|---|---|
| Banking operations | 3,690 | 3,522 | 2,433 |
| Adjustments and reconciling items | 0 | 0 | 0 |
| Total | 3,690 | 3,522 | 2,433 |
Price Behavior
Price Behavior
| Market Price | $27.00 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 03/08/1999 | |
| Distance from 52W High | -1.7% | |
| 50 Days | 200 Days | |
| DMA Price | $24.87 | $23.11 |
| DMA Trend | up | up |
| Distance from DMA | 8.6% | 16.8% |
| 3M | 1YR | |
| Volatility | 20.2% | 22.7% |
| Downside Capture | 3.69 | 49.34 |
| Upside Capture | 51.24 | 71.38 |
| Correlation (SPY) | 14.8% | 37.4% |
CWBC Betas & Captures as of 6/30/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.12 | 0.07 | 0.30 | 0.46 | 0.67 | 0.75 |
| Up Beta | -0.73 | -0.07 | 0.56 | 0.65 | 0.96 | 0.74 |
| Down Beta | 0.57 | 0.31 | 0.02 | 0.37 | 0.62 | 0.90 |
| Up Capture | 49% | 46% | 47% | 54% | 65% | 48% |
| Bmk +ve Days | 11 | 24 | 40 | 67 | 140 | 429 |
| Stock +ve Days | 14 | 25 | 34 | 63 | 124 | 362 |
| Down Capture | -80% | -45% | -10% | 29% | 49% | 83% |
| Bmk -ve Days | 10 | 17 | 23 | 58 | 112 | 321 |
| Stock -ve Days | 7 | 16 | 28 | 61 | 125 | 374 |
[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 | 32.0% | 22.6% | 1.15 | - |
| Sector ETF (XLF) | 7.6% | 14.8% | 0.28 | 57.0% |
| Equity (SPY) | 22.1% | 12.5% | 1.31 | 37.2% |
| Gold (GLD) | 23.5% | 27.8% | 0.75 | -2.6% |
| Commodities (DBC) | 23.6% | 18.7% | 0.99 | -27.5% |
| Real Estate (VNQ) | 13.4% | 13.9% | 0.67 | 42.2% |
| Bitcoin (BTCUSD) | -42.5% | 42.8% | -1.17 | 15.1% |
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 | |
|---|---|---|---|---|
| CWBC | 8.4% | 29.5% | 0.30 | - |
| Sector ETF (XLF) | 10.4% | 18.6% | 0.43 | 48.3% |
| Equity (SPY) | 13.4% | 17.1% | 0.61 | 36.6% |
| Gold (GLD) | 17.8% | 18.3% | 0.79 | -1.3% |
| Commodities (DBC) | 7.3% | 19.5% | 0.27 | 3.9% |
| Real Estate (VNQ) | 2.9% | 18.9% | 0.05 | 35.8% |
| Bitcoin (BTCUSD) | 13.8% | 53.4% | 0.44 | 10.9% |
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 | |
|---|---|---|---|---|
| CWBC | 8.9% | 38.1% | 0.34 | - |
| Sector ETF (XLF) | 13.9% | 22.1% | 0.57 | 54.6% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 43.9% |
| Gold (GLD) | 11.6% | 16.1% | 0.59 | -1.7% |
| Commodities (DBC) | 6.0% | 18.0% | 0.26 | 11.6% |
| Real Estate (VNQ) | 5.1% | 20.7% | 0.21 | 44.5% |
| Bitcoin (BTCUSD) | 58.6% | 66.2% | 0.99 | 10.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Updated 6/15/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.0% | -1.0% | -0.1% |
| 1/22/2026 | -0.2% | -0.7% | -1.3% |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 11 | 11 |
| # Negative | 12 | 11 | 11 |
| Median Positive | 1.7% | 2.9% | 8.9% |
| Median Negative | -1.7% | -2.1% | -9.3% |
| Max Positive | 11.9% | 17.9% | 17.8% |
| Max Negative | -10.5% | -21.5% | -23.9% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.0% | -1.0% | -0.1% |
| 1/22/2026 | -0.2% | -0.7% | -1.3% |
| 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% |
| 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% |
| 1/26/2023 | 11.9% | 17.9% | 17.8% |
| 10/19/2022 | 3.1% | 3.8% | 8.9% |
| 7/20/2022 | -1.4% | 0.2% | 12.4% |
| 4/20/2022 | -4.7% | -11.6% | -23.9% |
| 1/26/2022 | 0.2% | 0.6% | 1.9% |
| 10/20/2021 | 0.4% | -0.4% | 1.2% |
| 7/21/2021 | 1.7% | 2.9% | 5.8% |
| 10/28/2020 | -1.8% | -5.0% | 13.5% |
| 7/23/2020 | -1.6% | -1.5% | -12.7% |
| SUMMARY STATS | |||
| # Positive | 10 | 11 | 11 |
| # Negative | 12 | 11 | 11 |
| Median Positive | 1.7% | 2.9% | 8.9% |
| Median Negative | -1.7% | -2.1% | -9.3% |
| 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 |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/11/2026 | 10-K |
| 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 |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/11/2026 | 10-K |
| 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 |
| 09/30/2021 | 11/03/2021 | 10-Q |
| 06/30/2021 | 08/04/2021 | 10-Q |
| 03/31/2021 | 05/05/2021 | 10-Q |
| 12/31/2020 | 03/10/2021 | 10-K |
| 09/30/2020 | 11/04/2020 | 10-Q |
| 06/30/2020 | 08/05/2020 | 10-Q |
| 03/31/2020 | 05/06/2020 | 10-Q |
| 12/31/2019 | 03/06/2020 | 10-K |
| 09/30/2019 | 11/06/2019 | 10-Q |
| 06/30/2019 | 08/07/2019 | 10-Q |
Insider Activity
Updated 7/1/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cagle, Dawn M | EXECUTIVE VICE PRESIDENT | Direct | Buy | 6012026 | 20.91 | 166 | 3,471 | 281,074 | Form |
| 2 | Livingston, Shannon R | EXECUTIVE VICE PRESIDENT | Direct | Buy | 6012026 | 20.91 | 94 | 1,965 | 417,826 | Form |
| 3 | Stovesand, Kirk | Direct | Buy | 5262026 | 23.90 | 257 | 6,142 | 1,973,877 | Form | |
| 4 | Silva, Dorothea D | Direct | Buy | 5062026 | 23.57 | 150 | 3,536 | 290,141 | Form | |
| 5 | Silva, Dorothea D | Direct | Buy | 5062026 | 23.78 | 15 | 357 | 289,159 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cagle, Dawn M | EXECUTIVE VICE PRESIDENT | Direct | Buy | 6012026 | 20.91 | 166 | 3,471 | 281,074 | Form |
| 2 | Livingston, Shannon R | EXECUTIVE VICE PRESIDENT | Direct | Buy | 6012026 | 20.91 | 94 | 1,965 | 417,826 | Form |
| 3 | Stovesand, Kirk | Direct | Buy | 5262026 | 23.90 | 257 | 6,142 | 1,973,877 | Form | |
| 4 | Silva, Dorothea D | Direct | Buy | 5062026 | 23.57 | 150 | 3,536 | 290,141 | Form | |
| 5 | Silva, Dorothea D | Direct | Buy | 5062026 | 23.78 | 15 | 357 | 289,159 | Form | |
| 6 | Plourd, Martin E | PRESIDENT | Direct | Buy | 3042026 | 20.65 | 282 | 5,823 | 2,323,868 | Form |
| 7 | Livingston, Shannon R | EXECUTIVE VICE PRESIDENT | Direct | Buy | 3042026 | 20.65 | 266 | 5,493 | 447,031 | Form |
| 8 | Cagle, Dawn M | EXECUTIVE VICE PRESIDENT | Direct | Buy | 3042026 | 20.65 | 351 | 7,248 | 283,401 | Form |
| 9 | Kim, James J | CEO | Direct | Buy | 3042026 | 20.65 | 1,089 | 22,488 | 1,215,232 | Form |
| 10 | Martin, Jeffrey Michael | EXECUTIVE VICE PRESIDENT | Direct | Buy | 3042026 | 20.65 | 206 | 4,254 | 508,337 | Form |
| 11 | Stovesand, Kirk | Direct | Buy | 2202026 | 24.50 | 376 | 9,212 | 1,925,994 | Form | |
| 12 | Lokey, James W | Direct | Buy | 1302026 | 23.29 | 500 | 11,645 | 353,415 | Form | |
| 13 | Cagle, Dawn M | EXECUTIVE VICE PRESIDENT | Direct | Buy | 12022025 | 19.19 | 159 | 3,051 | 256,601 | Form |
| 14 | Livingston, Shannon R | EXECUTIVE VICE PRESIDENT | Direct | Buy | 12022025 | 19.19 | 84 | 1,612 | 410,278 | Form |
| 15 | Martin, Jeffrey Michael | EXECUTIVE VICE PRESIDENT | Direct | Buy | 12022025 | 19.19 | 75 | 1,439 | 468,395 | Form |
| 16 | Plourd, Martin E | PRESIDENT | Direct | Buy | 12022025 | 19.19 | 316 | 6,063 | 2,163,524 | Form |
| 17 | Stovesand, Kirk | Direct | Buy | 11182025 | 21.37 | 402 | 8,591 | 1,671,903 | Form | |
| 18 | Silva, Dorothea D | Direct | Buy | 9032025 | 21.29 | 17 | 362 | 258,562 | Form | |
| 19 | Cagle, Dawn M | EXECUTIVE VICE PRESIDENT | Direct | Buy | 9022025 | 16.02 | 222 | 3,556 | 211,688 | Form |
| 20 | Martin, Jeffrey Michael | EXECUTIVE VICE PRESIDENT | Direct | Buy | 9022025 | 16.02 | 104 | 1,666 | 389,860 | Form |
| 21 | Avrett, Shannon R | EXECUTIVE VICE PRESIDENT | Direct | Buy | 9022025 | 16.02 | 118 | 1,890 | 341,194 | Form |
| 22 | Plourd, Martin E | PRESIDENT | Direct | Buy | 9022025 | 16.02 | 441 | 7,065 | 1,484,846 | Form |
| 23 | Lokey, James W | Direct | Buy | 8212025 | 20.30 | 65 | 1,316 | 297,894 | Form | |
| 24 | Stovesand, Kirk | Direct | Buy | 8152025 | 20.30 | 421 | 8,546 | 1,527,250 | Form |
Investor Activity (13F)
Updated Jul 13, 202613F 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 and community-bank filers are excluded.
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
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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Core Cache Last Updated: 7/12/2026