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COMMUNITY WEST BANCSHARES (CWBC) Stock Fundamental Analysis

USA - NASDAQ:CWBC - US2039371073 - Common Stock

21.55 USD
+0.05 (+0.23%)
Last: 11/11/2025, 8:00:01 PM
21.55 USD
0 (0%)
After Hours: 11/11/2025, 8:00:01 PM
Fundamental Rating

4

Overall CWBC gets a fundamental rating of 4 out of 10. We evaluated CWBC against 388 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.
CWBC had positive earnings in 4 of the past 5 years.
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

CWBC's Return On Assets of 0.67% is on the low side compared to the rest of the industry. CWBC is outperformed by 65.46% of its industry peers.
CWBC has a Return On Equity of 6.29%. This is in the lower half of the industry: CWBC underperforms 68.81% 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's Profit Margin of 15.79% is on the low side compared to the rest of the industry. CWBC is outperformed by 74.48% 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

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.88%
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

CWBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.96% yearly.
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 Year19.22%
Revenue Next 2Y14.22%
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

A Price/Earnings ratio of 12.11 indicates a correct valuation of CWBC.
The rest of the industry has a similar Price/Earnings ratio as CWBC.
The average S&P500 Price/Earnings ratio is at 26.35. CWBC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.10, which indicates a very decent valuation of CWBC.
64.43% of the companies in the same industry are more expensive than CWBC, based on the Price/Forward Earnings ratio.
CWBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 33.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.11
Fwd PE 9.1
CWBC Price Earnings VS Forward Price EarningsCWBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CWBC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CWBC is more expensive than 71.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.86
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)0.2
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 2.24%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.38, CWBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, CWBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.24%

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

77.40% of the earnings are spent on dividend by CWBC. This is not a sustainable payout ratio.
The dividend of CWBC is growing, but earnings are growing more, so the dividend growth is 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 (11/11/2025, 8:00:01 PM)

After market: 21.55 0 (0%)

21.55

+0.05 (+0.23%)

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 Change-0.66%
Ins Owners9.97%
Ins Owner Change0.81%
Market Cap412.47M
Revenue(TTM)N/A
Net Income(TTM)7.31M
Analysts80
Price Target24.82 (15.17%)
Short Float %0.91%
Short Ratio2.79
Dividend
Industry RankSector Rank
Dividend Yield 2.24%
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)4.29%
PT rev (3m)14.06%
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 12.11
Fwd PE 9.1
P/S 8.91
P/FCF 22.86
P/OCF 14.81
P/B 3.55
P/tB 3.55
EV/EBITDA N/A
EPS(TTM)1.78
EY8.26%
EPS(NY)2.37
Fwd EY10.99%
FCF(TTM)0.94
FCFY4.38%
OCF(TTM)1.46
OCFY6.75%
SpS2.42
BVpS6.07
TBVpS6.07
PEG (NY)0.2
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
WACC9.88%
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 Year19.22%
Revenue Next 2Y14.22%
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%

COMMUNITY WEST BANCSHARES / CWBC FAQ

Can you provide the ChartMill fundamental rating for COMMUNITY WEST BANCSHARES?

ChartMill assigns a fundamental rating of 4 / 10 to CWBC.


Can you provide the valuation status for COMMUNITY WEST BANCSHARES?

ChartMill assigns a valuation rating of 5 / 10 to COMMUNITY WEST BANCSHARES (CWBC). This can be considered as Fairly Valued.


Can you provide the profitability details for COMMUNITY WEST BANCSHARES?

COMMUNITY WEST BANCSHARES (CWBC) has a profitability rating of 2 / 10.


What is the financial health of COMMUNITY WEST BANCSHARES (CWBC) stock?

The financial health rating of COMMUNITY WEST BANCSHARES (CWBC) is 4 / 10.


How sustainable is the dividend of COMMUNITY WEST BANCSHARES (CWBC) stock?

The dividend rating of COMMUNITY WEST BANCSHARES (CWBC) is 4 / 10 and the dividend payout ratio is 77.4%.