(CWBC) Community West Bancshares - Overview
Stock: Loans, Deposits, Mortgages, Credit, Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.97% |
| Yield on Cost 5y | 3.52% |
| Yield CAGR 5y | -10.26% |
| Payout Consistency | 73.9% |
| Payout Ratio | 23.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 23.7% |
| Relative Tail Risk | -15.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.12 |
| Alpha | 22.40 |
| Character TTM | |
|---|---|
| Beta | 0.724 |
| Beta Downside | 0.897 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.13% |
| CAGR/Max DD | 0.07 |
Description: CWBC Community West Bancshares December 29, 2025
Community West Bancshares (NASDAQ:CWBC) is the holding company for Central Valley Community Bank, a regional lender focused on small- and middle-market commercial and consumer banking in California’s Central Valley. Its product suite includes demand, savings and time deposits, certificates of deposit, and a range of loan products-from commercial and industrial financing to agricultural, real-estate, multifamily, and consumer credit. The bank also offers standard cash-management services such as wire transfers, bill pay, and account transfers. The firm, originally Central Valley Community Bancorp, rebranded to Community West Bancshares in April 2024 and has been operating out of Fresno since its 1979 founding.
As of the latest quarterly filing (Q3 2024), CWBC reported approximately $1.2 billion in total assets with a loan-to-deposit ratio near 78%, indicating a relatively conservative balance-sheet posture. The net interest margin (NIM) was roughly 4.1%, modestly above the regional-bank average of 3.8%, reflecting a favorable asset-liability mix. About 15% of its loan portfolio is tied to agriculture-crops and livestock-making the company sensitive to commodity price swings and California water-policy developments, while the ongoing housing shortage in the Central Valley supports demand for residential construction and multifamily loans.
For a deeper dive into CWBC’s valuation metrics and peer comparisons, you might explore the company’s profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 38.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.47 > 1.0 |
| NWC/Revenue: -1535 % < 20% (prev -1596 %; Δ 60.94% < -1%) |
| CFO/TA 0.01 > 3% & CFO 35.8m > Net Income 38.2m |
| Net Debt (23.5m) to EBITDA (55.7m): 0.42 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.1m) vs 12m ago 0.72% < -2% |
| Gross Margin: 72.53% > 18% (prev 0.63%; Δ 7190 % > 0.5%) |
| Asset Turnover: 5.38% > 50% (prev 4.66%; Δ 0.72% > 0%) |
| Interest Coverage Ratio: 0.75 > 6 (EBITDA TTM 55.7m / Interest Expense TTM 49.5m) |
Altman Z'' -4.88
| A: -0.81 (Total Current Assets 119.0m - Total Current Liabilities 3.10b) / Total Assets 3.69b |
| B: 0.06 (Retained Earnings 239.0m / Total Assets 3.69b) |
| C: 0.01 (EBIT TTM 37.2m / Avg Total Assets 3.61b) |
| D: 0.12 (Book Value of Equity 409.6m / Total Liabilities 3.28b) |
| Altman-Z'' Score: -4.88 = D |
What is the price of CWBC shares?
Over the past week, the price has changed by +6.51%, over one month by +12.77%, over three months by +19.14% and over the past year by +34.24%.
Is CWBC a buy, sell or hold?
- StrongBuy: 2
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CWBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 27.5 | 8.2% |
| Analysts Target Price | 27.5 | 8.2% |
| ValueRay Target Price | 27.6 | 8.7% |
CWBC Fundamental Data Overview February 05, 2026
P/E Forward = 9.4162
P/S = 3.3576
P/B = 1.1222
Revenue TTM = 193.9m USD
EBIT TTM = 37.2m USD
EBITDA TTM = 55.7m USD
Long Term Debt = 70.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 20.0m USD (from shortTermDebt, two quarters ago)
Debt = 142.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 23.5m USD (from netDebt column, last quarter)
Enterprise Value = 503.4m USD (479.9m + Debt 142.5m - CCE 119.0m)
Interest Coverage Ratio = 0.75 (Ebit TTM 37.2m / Interest Expense TTM 49.5m)
EV/FCF = 14.76x (Enterprise Value 503.4m / FCF TTM 34.1m)
FCF Yield = 6.77% (FCF TTM 34.1m / Enterprise Value 503.4m)
FCF Margin = 17.59% (FCF TTM 34.1m / Revenue TTM 193.9m)
Net Margin = 19.68% (Net Income TTM 38.2m / Revenue TTM 193.9m)
Gross Margin = 72.53% ((Revenue TTM 193.9m - Cost of Revenue TTM 53.3m) / Revenue TTM)
Gross Margin QoQ = 74.73% (prev 74.39%)
Tobins Q-Ratio = 0.14 (Enterprise Value 503.4m / Total Assets 3.69b)
Interest Expense / Debt = 8.36% (Interest Expense 11.9m / Debt 142.5m)
Taxrate = 27.13% (4.16m / 15.3m)
NOPAT = 27.1m (EBIT 37.2m * (1 - 27.13%))
Current Ratio = 0.04 (Total Current Assets 119.0m / Total Current Liabilities 3.10b)
Debt / Equity = 0.35 (Debt 142.5m / totalStockholderEquity, last quarter 409.6m)
Debt / EBITDA = 0.42 (Net Debt 23.5m / EBITDA 55.7m)
Debt / FCF = 0.69 (Net Debt 23.5m / FCF TTM 34.1m)
Total Stockholder Equity = 389.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 38.2m / Total Assets 3.69b)
RoE = 9.79% (Net Income TTM 38.2m / Total Stockholder Equity 389.8m)
RoCE = 8.09% (EBIT 37.2m / Capital Employed (Equity 389.8m + L.T.Debt 70.0m))
RoIC = 5.08% (NOPAT 27.1m / Invested Capital 533.3m)
WACC = 8.01% (E(479.9m)/V(622.4m) * Re(8.58%) + D(142.5m)/V(622.4m) * Rd(8.36%) * (1-Tc(0.27)))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 27.43%
[DCF Debug] Terminal Value 75.76% ; FCFF base≈26.9m ; Y1≈23.3m ; Y5≈18.5m
Fair Price DCF = 16.23 (EV 334.6m - Net Debt 23.5m = Equity 311.1m / Shares 19.2m; r=8.01% [WACC]; 5y FCF grow -16.33% → 2.90% )
EPS Correlation: 26.50 | EPS CAGR: 7.97% | SUE: 0.12 | # QB: 0
Revenue Correlation: 83.80 | Revenue CAGR: 27.53% | SUE: 1.37 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.57 | Chg30d=+0.017 | Revisions Net=+2 | Analysts=3
EPS current Year (2026-12-31): EPS=2.61 | Chg30d=+0.020 | Revisions Net=+1 | Growth EPS=+28.4% | Growth Revenue=+36.4%
EPS next Year (2027-12-31): EPS=2.98 | Chg30d=+0.003 | Revisions Net=+1 | Growth EPS=+14.3% | Growth Revenue=+17.4%