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COMMUNITY WEST BANCSHARES (CWBC) Stock Fundamental Analysis

USA - NASDAQ:CWBC - US2039371073 - Common Stock

20.93 USD
-0.19 (-0.9%)
Last: 10/23/2025, 4:04:09 PM
20.93 USD
0 (0%)
After Hours: 10/23/2025, 4:04:09 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CWBC. CWBC was compared to 391 industry peers in the Banks industry. The financial health of CWBC is average, but there are quite some concerns on its profitability. CWBC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CWBC was profitable.
In the past year CWBC had a positive cash flow from operations.
Of the past 5 years CWBC 4 years were profitable.
CWBC had a positive operating cash flow in 4 of the past 5 years.
CWBC Yearly Net Income VS EBIT VS OCF VS FCFCWBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M

1.2 Ratios

The Return On Assets of CWBC (0.67%) is worse than 64.45% of its industry peers.
CWBC has a worse Return On Equity (6.29%) than 68.03% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 6.29%
ROIC N/A
ROA(3y)1.01%
ROA(5y)0.95%
ROE(3y)10.38%
ROE(5y)10.02%
ROIC(3y)N/A
ROIC(5y)N/A
CWBC Yearly ROA, ROE, ROICCWBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

CWBC has a worse Profit Margin (15.79%) than 73.40% of its industry peers.
CWBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CWBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.79%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.1%
PM growth 5Y-5%
GM growth 3YN/A
GM growth 5YN/A
CWBC Yearly Profit, Operating, Gross MarginsCWBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

CWBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for CWBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CWBC Yearly Shares OutstandingCWBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
CWBC Yearly Total Debt VS Total AssetsCWBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

CWBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.78%
CWBC Yearly LT Debt VS Equity VS FCFCWBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CWBC Yearly Current Assets VS Current LiabilitesCWBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2M 4M 6M

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4

3. Growth

3.1 Past

CWBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.24%, which is quite impressive.
Measured over the past years, CWBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.39% on average per year.
EPS 1Y (TTM)26.24%
EPS 3Y-18.08%
EPS 5Y-4.39%
EPS Q2Q%216.67%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.65%

3.2 Future

The Earnings Per Share is expected to grow by 26.96% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 11.91% on average over the next years. This is quite good.
EPS Next Y60.49%
EPS Next 2Y36.57%
EPS Next 3Y26.97%
EPS Next 5YN/A
Revenue Next Year19.03%
Revenue Next 2Y13.93%
Revenue Next 3Y11.91%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CWBC Yearly Revenue VS EstimatesCWBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
CWBC Yearly EPS VS EstimatesCWBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.76, the valuation of CWBC can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as CWBC.
Compared to an average S&P500 Price/Earnings ratio of 27.57, CWBC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.84, the valuation of CWBC can be described as reasonable.
Based on the Price/Forward Earnings ratio, CWBC is valued a bit cheaper than the industry average as 67.26% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CWBC to the average of the S&P500 Index (23.09), we can say CWBC is valued rather cheaply.
Industry RankSector Rank
PE 11.76
Fwd PE 8.84
CWBC Price Earnings VS Forward Price EarningsCWBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CWBC is valued a bit more expensive than the industry average as 72.38% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 22.2
EV/EBITDA N/A
CWBC Per share dataCWBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CWBC's earnings are expected to grow with 26.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y36.57%
EPS Next 3Y26.97%

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4

5. Dividend

5.1 Amount

CWBC has a Yearly Dividend Yield of 2.28%.
CWBC's Dividend Yield is slightly below the industry average, which is at 3.55.
CWBC's Dividend Yield is comparable with the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 2.28%

5.2 History

The dividend of CWBC has a limited annual growth rate of 4.21%.
CWBC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.21%
Div Incr Years0
Div Non Decr Years0
CWBC Yearly Dividends per shareCWBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

CWBC pays out 77.40% of its income as dividend. This is not a sustainable payout ratio.
CWBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP77.4%
EPS Next 2Y36.57%
EPS Next 3Y26.97%
CWBC Yearly Income VS Free CF VS DividendCWBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
CWBC Dividend Payout.CWBC Dividend Payout, showing the Payout Ratio.CWBC Dividend Payout.PayoutRetained Earnings

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COMMUNITY WEST BANCSHARES

NASDAQ:CWBC (10/23/2025, 4:04:09 PM)

After market: 20.93 0 (0%)

20.93

-0.19 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners51.72%
Inst Owner Change0.02%
Ins Owners9.97%
Ins Owner Change2.07%
Market Cap400.60M
Revenue(TTM)N/A
Net Income(TTM)7.31M
Analysts80
Price Target23.8 (13.71%)
Short Float %0.96%
Short Ratio3.25
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend0.53
Dividend Growth(5Y)4.21%
DP77.4%
Div Incr Years0
Div Non Decr Years0
Ex-Date10-31 2025-10-31 (0.12)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.07%
Min EPS beat(2)-4.02%
Max EPS beat(2)-0.11%
EPS beat(4)0
Avg EPS beat(4)-6.9%
Min EPS beat(4)-12.36%
Max EPS beat(4)-0.11%
EPS beat(8)3
Avg EPS beat(8)-1.98%
EPS beat(12)6
Avg EPS beat(12)3.55%
EPS beat(16)9
Avg EPS beat(16)7.02%
Revenue beat(2)0
Avg Revenue beat(2)-4.66%
Min Revenue beat(2)-5.17%
Max Revenue beat(2)-4.14%
Revenue beat(4)0
Avg Revenue beat(4)-16.37%
Min Revenue beat(4)-47.44%
Max Revenue beat(4)-4.14%
Revenue beat(8)0
Avg Revenue beat(8)-26.94%
Revenue beat(12)0
Avg Revenue beat(12)-30.58%
Revenue beat(16)0
Avg Revenue beat(16)-32.6%
PT rev (1m)0%
PT rev (3m)9.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.76
Fwd PE 8.84
P/S 8.66
P/FCF 22.2
P/OCF 14.38
P/B 3.45
P/tB 3.45
EV/EBITDA N/A
EPS(TTM)1.78
EY8.5%
EPS(NY)2.37
Fwd EY11.32%
FCF(TTM)0.94
FCFY4.5%
OCF(TTM)1.46
OCFY6.95%
SpS2.42
BVpS6.07
TBVpS6.07
PEG (NY)0.19
PEG (5Y)N/A
Graham Number15.6
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 6.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.79%
GM N/A
FCFM 38.99%
ROA(3y)1.01%
ROA(5y)0.95%
ROE(3y)10.38%
ROE(5y)10.02%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.1%
PM growth 5Y-5%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 99.09%
Cap/Sales 21.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 246.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.78%
ROIC/WACCN/A
Cap/Depr(3y)53.27%
Cap/Depr(5y)90.26%
Cap/Sales(3y)7.38%
Cap/Sales(5y)5.73%
Profit Quality(3y)152.16%
Profit Quality(5y)158.49%
High Growth Momentum
Growth
EPS 1Y (TTM)26.24%
EPS 3Y-18.08%
EPS 5Y-4.39%
EPS Q2Q%216.67%
EPS Next Y60.49%
EPS Next 2Y36.57%
EPS Next 3Y26.97%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.65%
Revenue Next Year19.03%
Revenue Next 2Y13.93%
Revenue Next 3Y11.91%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y221.1%
FCF growth 3Y5.2%
FCF growth 5Y4.1%
OCF growth 1Y375.29%
OCF growth 3Y20.7%
OCF growth 5Y11.28%