Community West Bancshares (CWBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Community West Bancshares

NasdaqCM•Financial Services•Banks - Regional

$26.61+0.21(0.01%)Market closed

Market Cap

$709.29M

P/E

19.6x

P/S

3.3x

P/B

1.2x

Community West Bancshares operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. It also provides products, such as commercial and industrial loans, as well as loans secured by crop production and livestock; commercial real estate construction and other land loans, real estate collateral secured by commercial or professional properties with repayment arising from the owner's business cash flows, investor commercial real estate loans, farmland, and multi-family loans; 1-4 family close-ended, revolving real estate loans, and residential construction loans; manufactured housing loans; and equity loans, lines of credit, and installment and other consumer loans. In addition, the company offers domestic and international wire transfer, inquiry, account status, bill paying, account transfers, cash management, and other customary banking services. The company was formerly known as Central Valley Community Bancorp and changed its name to Community West Bancshares in November 2000. Community West Bancshares was founded in 1979 and is based in Fresno, California.

How this company scores

WeakMetricSide Score: 80/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability18/25

Growth20/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.3x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 19.6x5y range 8.5x – 54.5x

Currently above its 20-quarter median.

P/S · 3.3x5y range 1.9x – 3.3x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.9x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 43.6% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $709.29M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $214.89M
Q. Revenue: $64.15M
TTM EBITDA: $56.22M
TTM Op. Income: $50.28M
Q. Op. Income: $4.16M
TTM Net Income: $36.23M
Q. Net Income: $2.69M
EPS: $0.1
Shares Out.: $27.05M

$214.89M in TTM revenue grew 12.9% YoY, reaching $64.15M last quarter. TTM EBITDA of $56.22M and TTM operating income of $50.28M show growth is flowing through to the bottom line. TTM net income of $36.23M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 76.3%
EBITDA Margin: 9.4%
Op. Margin: 6.5%
Net Margin: 4.2%

Op. margin of 6.5% is down 15.7% YoY — costs are rising relative to revenue. Net margin at 4.2% and gross margin of 76.3% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 71% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 19.6x
P/S Ratio: 3.3x
P/B Ratio: 1.2x

At 19.6x P/E, the stock trades within typical market levels. P/S of 3.3x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 40% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.03B
Cash: $206.84M
Long-Term Debt: $75.29M
Book Value: $607.82M
D/E Ratio: 0.1
Debt/EBITDA: 12.5

With $5.03B in assets and $75.29M in long-term debt, D/E is 0.1and book value is $607.82M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $19.56M
TTM Free Cash Flow: $47.94M
FCF Margin: 22.3%
FCF / Net Income: 1.3

TTM FCF of $47.94M on $19.56M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 65% — an improving trend.