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CWBC

Community West Bancshares

CWBC

Community West Bancshares • NASDAQ
$22.65 ▼ -0.31% (-0.07)
Market Cap $433.93 M
52w High $23.22
52w Low $15.57
Dividend Yield 0.48%
P/E 12.45
Volume 33.87K
Outstanding Shares 19.16M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $49.243M ▲ $21.556M ▼ $10.873M ▲ 22.08% ▲ $0.57 ▲ $16.156M ▲
Q2-2025 $48.389M ▲ $22.296M ▼ $7.832M ▼ 16.185% ▼ $0.41 ▼ $12.065M ▼
Q1-2025 $47.144M ▲ $22.865M ▲ $8.293M ▲ 17.591% ▲ $0.44 ▲ $12.169M ▲
Q4-2024 $46.809M ▲ $22.215M ▼ $6.895M ▲ 14.73% ▲ $0.37 ▲ $9.417M ▲
Q3-2024 $45.584M $26.871M $3.385M 7.426% $0.18 $3.773M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $420.791M ▼ $3.612B ▲ $3.215B ▲ $397.576M ▲
Q2-2025 $603.727M ▼ $3.577B ▲ $3.197B ▲ $380.002M ▲
Q1-2025 $617.425M ▲ $3.553B ▲ $3.181B ▲ $371.937M ▲
Q4-2024 $423.813M ▼ $3.522B ▼ $3.159B ▼ $362.685M ▼
Q3-2024 $652.977M $3.531B $3.168B $363.515M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $7.832M ▼ $11.529M ▲ $-40.228M ▼ $14.68M ▼ $-14.019M ▼ $10.574M ▼
Q1-2025 $8.293M ▲ $11.067M ▲ $804K ▲ $16.123M ▲ $27.994M ▲ $10.75M ▲
Q4-2024 $6.895M ▲ $924K ▼ $-14.161M ▼ $-15.378M ▼ $-28.615M ▼ $-701K ▼
Q3-2024 $3.385M ▲ $10.972M ▲ $-1.84M ▼ $30.212M ▲ $39.344M ▼ $8.438M ▲
Q2-2024 $-6.29M $5.222M $55.853M $-12.365M $48.71M $4.783M

Five-Year Company Overview

Income Statement

Income Statement Revenue has climbed steadily over the last few years, helped recently by the merger and a larger balance sheet. However, profit margins have narrowed, and earnings in the latest year are well below the very strong results seen a couple of years ago. This pattern suggests that while the bank is growing its business base, it is also dealing with higher costs and pressures on profitability, likely from integration expenses, funding costs, and a tougher rate and credit environment. Overall, the income statement shows a bank that is expanding but currently earning less on each dollar of business than it did at its peak.

Balance Sheet

Balance Sheet The balance sheet has grown meaningfully, particularly in the most recent year, reflecting both organic growth and the impact of the merger. Total assets are much larger, cash levels are healthier than before, and shareholder equity has increased, which points to a stronger capital base. Debt has risen as well, but it still appears manageable relative to the size of the bank and its equity. In short, the balance sheet looks larger and somewhat more robust, but also more complex and leveraged than it was a few years ago, which brings both opportunity and added risk management needs.

Cash Flow

Cash Flow Cash generation from day‑to‑day operations has been consistently positive, even through changing interest rate and credit cycles. Free cash flow has remained solid and broadly in line with operating cash flow, as the bank has kept capital spending modest and targeted. This pattern suggests a reasonably dependable cash engine that supports dividends and internal growth, though not one that is rapidly accelerating. The stability of cash flow is a strength, especially for a community and regional bank, but the lack of a strong upward trend also signals that growth is being driven more by balance sheet expansion than by big gains in cash profitability.

Competitive Edge

Competitive Edge Community West Bancshares is positioned as a specialized community bank with deep roots in agriculture and small business lending, rather than a broad national or digital-first player. Its strengths lie in niche expertise, local underwriting, and long-term relationships, especially with farmers and small to mid-sized businesses that value personal service. The Farmer Mac approval and active SBA lending franchise give it tools that many smaller competitors do not have. At the same time, it faces intense competition from larger regional and national banks, as well as increasingly capable online lenders that can undercut on price or convenience. The merger has expanded its footprint and capabilities, but also raises the bar on executing well and preserving its relationship-driven culture.

Innovation and R&D

Innovation and R&D Innovation here is incremental and practical rather than disruptive. The bank offers standard digital services—online banking, mobile apps, and treasury tools—and is focused on integrating systems after the merger to streamline operations and improve the customer experience. There is no clear sign of cutting-edge fintech products or heavy internal R&D, but there is a steady push to modernize the core platform and make traditional lending more accessible and efficient. Key watch points include how quickly and cleanly the merged systems come together, whether the bank can roll out smoother digital account opening and loan applications for its niche clients, and how it uses technology to support, rather than replace, its relationship-driven model.

Summary

Community West Bancshares today looks like a larger, more complex community bank with a clear niche focus and solid but pressured economics. Revenue and the asset base have grown, but earnings have come off prior highs, suggesting that integration costs, funding pressures, and the broader rate environment are weighing on profitability. The balance sheet is bigger and better capitalized, while still carrying a moderate level of debt. Cash flows are steady rather than spectacular. Competitively, the bank’s edge comes from specialization in agriculture and SBA lending, local decision-making, and strong community ties, reinforced—not replaced—by basic digital tools. Future performance will likely hinge on how well it manages post-merger integration, protects credit quality in its specialized portfolios, and selectively upgrades technology without losing the high-touch service that defines its brand.

NEWS

November 13, 2025 · 4:00 PM UTC

Martin E. Plourd to Retire as Community West Bancshares President

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October 16, 2025 · 4:00 PM UTC

Community West Bancshares Reports Earnings Results for the Quarter Ended September 30, 2025, and Quarterly Dividend

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