Community West Bancshares
- Open
- 27.46
- Day high
- 28.07
- Day low
- 26.90
- Prev close
- 28.02
- Volume
- 273K
- Mkt cap
- $737M
- P/E (TTM)
- 12.5
- EPS (TTM)
- $2.17
- P/B
- 1.8
- P/S
- 3.7
- Yield
- 1.77%
- Per share
- $0.48
- ▲Insiders net buying $15K over the last 3 months (5 open-market buys, 0 sales)
- ◆Cluster buying — multiple insiders bought within days
- 🏛Institutions accumulating (13F)
Community West Bancshares (CWBC) is a Financial Services company listed on NASDAQ. The stock is up 33% over the past year. Over the trailing 3 months, insiders filed 5 open-market buys and 0 sales (SEC Form 4).
Community West Bancshares (CWBC) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CWBC earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.56 | $0.61 | +8.9% | $39M | +1.0% |
| Mar 11, 2026 | — | $0.58 | — | $49M | — |
| Oct 16, 2025 | $0.53 | $0.57 | +7.5% | $37M | -3.2% |
| Jul 17, 2025 | $0.49 | $0.41 | -16.3% | $36M | -3.0% |
| Jan 23, 2025 | $0.45 | $0.38 | -15.6% | $33M | -2.9% |
| Oct 24, 2024 | $0.38 | $0.30 | -21.1% | $31M | +0.5% |
| Jul 23, 2024 | $0.10 | $0.41 | +303.9% | $30M | -13.1% |
| Apr 18, 2024 | $0.45 | $0.31 | -31.1% | $20M | +1.1% |
| Jan 18, 2024 | $0.52 | $0.50 | -3.8% | $22M | -3.9% |
| Jul 20, 2023 | $0.59 | $0.54 | -8.5% | $22M | -6.2% |
| Apr 20, 2023 | $0.65 | $0.59 | -9.2% | $23M | -3.4% |
| Mar 31, 2023 | — | $0.65 | — | $24M | — |
CWBC insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 1, 2026 | LIVINGSTON SHANNON Rofficer: EXECUTIVE VICE PRESIDENT | Tax | 907 | $24.01 |
| Jun 1, 2026 | CAGLE DAWN Mofficer: EXECUTIVE VICE PRESIDENT | Tax | 212 | $24.01 |
| Jun 1, 2026 | LIVINGSTON SHANNON Rofficer: EXECUTIVE VICE PRESIDENT | Buy | 94 | $20.91 |
| Jun 1, 2026 | CAGLE DAWN Mofficer: EXECUTIVE VICE PRESIDENT | Buy | 166 | $20.91 |
| Jun 1, 2026 | MARTIN JEFFREY MICHAELofficer: EXECUTIVE VICE PRESIDENT | Tax | 726 | $24.01 |
| May 26, 2026 | STOVESAND KIRKdirector | Buy | 257 | $23.90 |
| May 19, 2026 | MARTIN JEFFREY MICHAELofficer: EXECUTIVE VICE PRESIDENT | Tax | 603 | $23.20 |
| May 8, 2026 | LOKEY JAMES Wdirector | Grant | 1,451 | — |
| May 8, 2026 | Thomas Hinson Michaelofficer: EXECUTIVE VICE PRESIDENT | Grant | 2,694 | — |
| May 8, 2026 | MARTIN JEFFREY MICHAELofficer: EXECUTIVE VICE PRESIDENT | Grant | 4,974 | — |
| May 8, 2026 | DOYLE DANIEL Jdirector | Grant | 1,451 | — |
| May 8, 2026 | GILL JAGROOPdirector | Grant | 1,451 | — |
| May 8, 2026 | STEVEN MCDONALD Ddirector | Grant | 1,451 | — |
| May 8, 2026 | Kim James Jdirector, officer: CEO and PRESIDENT | Grant | 8,393 | — |
| May 8, 2026 | Elliott Frank T. IVdirector | Grant | 1,451 | — |
Source: CWBC SEC Form 4 filings, latest Jun 1, 2026. For informational purposes only — not investment advice.
See the full CWBC insider & 13F page →Community West Bancshares company profile
Overview
Community West Bancshares (NASDAQ:CWBC) is a regional bank holding company founded in 1989 and headquartered in Goleta, California. The company operates through its subsidiary Community West Bank, N.A., serving the central and southern California coastal regions through seven branch locations. Having gone public in 1996, Community West has established itself as a community-focused financial institution primarily serving small to medium-sized businesses, professionals, high-net-worth individuals, and non-profit organizations across Santa Barbara, Ventura, and San Luis Obispo counties.
Business
Community West Bancshares operates in the regional banking sector, providing traditional commercial banking services to businesses and individuals in California's coastal communities. The banking industry serves as a financial intermediary, accepting deposits from customers and lending those funds to borrowers while earning a spread between the interest paid on deposits and interest earned on loans. The company's core offerings include deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit, which provide customers with safe places to store money while earning interest. On the lending side, Community West provides commercial loans for business operations and expansion, commercial real estate loans for property purchases and development, residential mortgage loans for home purchases, and consumer loans including auto loans and personal credit lines. The bank also offers specialized lending products including Small Business Administration (SBA) loans, which are government-backed loans designed to help small businesses access capital, and agricultural loans to support farming operations in California's agricultural regions. Additionally, Community West provides cash management services to help businesses efficiently handle their banking needs, including payroll processing, merchant services, and electronic banking solutions. As a community bank, Community West focuses on relationship banking, where loan officers and bank staff develop personal relationships with customers to better understand their financial needs. This contrasts with larger national banks that often rely more heavily on automated underwriting and standardized products.
Revenue model
Community West generates revenue primarily through net interest income, which is the difference between interest earned on loans and investments and interest paid on customer deposits and borrowed funds. This is the fundamental business model of banking - borrowing money at lower rates (through deposits) and lending it at higher rates (through loans). The bank's paying customers include small to medium-sized businesses seeking operating capital and real estate financing, individual consumers needing mortgages and personal loans, and depositors who provide the funding base in exchange for interest payments and banking services. The company also earns non-interest income through fees charged for various banking services such as account maintenance, overdraft fees, loan origination fees, and cash management services. Several factors can significantly impact Community West's profitability margins. Interest rate environments are crucial - when rates rise, the bank can potentially earn more on new loans while deposit costs may increase more slowly, improving net interest margins. Conversely, falling rates can compress margins. Credit quality directly affects profitability, as loan losses reduce net income and require provisions that impact earnings. The bank's concentration in California real estate markets makes it sensitive to local economic conditions and property values. Competition from larger banks, credit unions, and online lenders can pressure both loan pricing and deposit rates. Regulatory compliance costs continue to increase for regional banks, affecting operational efficiency. The bank's relatively small size compared to major national banks can limit its ability to spread fixed costs across a larger asset base, though it also allows for more personalized service and local market knowledge that can command premium pricing.
Competitive moat
Community West's competitive moat is relatively narrow, typical of smaller regional banks. The company's primary competitive advantage lies in its local market knowledge and relationship banking approach. Operating in affluent California coastal communities, the bank benefits from understanding local business dynamics, real estate markets, and customer needs better than larger out-of-state competitors. The bank's established branch network in desirable markets like Santa Barbara, Ventura, and San Luis Obispo provides some defensive positioning, as these locations have high barriers to entry due to real estate costs and regulatory requirements for new bank branches. Additionally, Community West's focus on SBA lending provides some specialization that requires expertise and government relationships that competitors may lack. However, the bank faces significant competitive pressures that limit its moat strength. Large national banks can offer more comprehensive services, better technology platforms, and more competitive pricing due to their scale advantages. Credit unions in the region often provide similar community-focused service while offering tax advantages that allow them to provide better rates. Online banks and fintech companies increasingly compete for deposits by offering higher interest rates and more convenient digital services. The bank's small size, with approximately $3.5 billion in assets, limits its ability to invest heavily in technology infrastructure or compete aggressively on pricing. Regulatory compliance costs represent a higher percentage of expenses for smaller banks, further pressuring profitability. The concentration in California markets, while providing local expertise, also creates geographic risk and limits diversification benefits that larger regional banks enjoy.
Risks & safety
Community West presents a moderate margin of safety profile with some areas of concern typical of smaller regional banks. • Solvency appears stable with total assets of $3.52 billion against liabilities of $3.16 billion, providing an equity cushion of approximately $363 million • Cash position is strong with $120 million in cash and short-term investments, representing about 3.4% of total assets • Debt-to-equity ratio of 0.56 indicates moderate leverage levels that are manageable for a bank • Current ratio concerns at 0.047 reflect the nature of banking operations where short-term liabilities (deposits) far exceed liquid current assets • Profitability recovery shown with 2024 net income of $7.7 million after experiencing a loss in Q2 2024 • Valuation appears reasonable with P/E ratio of 13.2 and price-to-book ratio of 1.01, suggesting the stock is not overvalued • Return on equity of 1.9% is below typical banking industry standards, indicating operational efficiency challenges • Free cash flow positive at $17.2 million for 2024, though this was volatile throughout the year with negative free cash flow in Q4
Recent development
Based on the financial data available, Community West has experienced significant volatility in recent performance. The bank reported a notable loss of $6.3 million in Q2 2024, which appears to have been related to credit provisions or one-time charges, before returning to profitability in subsequent quarters. This suggests the bank may have addressed specific problem loans or taken charges to clean up its loan portfolio. The company's total assets have grown substantially from approximately $1.1 billion in 2022 to $3.5 billion in 2024, indicating significant expansion either through organic growth or potential acquisitions. This rapid growth in asset size represents more than a tripling of the bank's balance sheet in just two years, which is unusual for a community bank and suggests either aggressive lending expansion or a significant corporate transaction. Revenue patterns show inconsistency, with 2024 total revenue of $114 million compared to $58 million in 2023, again suggesting either substantial organic growth or acquisition activity. The bank's return on equity declined significantly from 12.3% in 2023 to 2.1% in 2024, indicating that the rapid asset growth has not translated proportionally into profitable operations, possibly due to integration costs or margin compression from competitive pressures. The substantial increase in cash and short-term investments from $54 million in 2023 to $120 million in 2024 suggests the bank is maintaining higher liquidity levels, possibly as a conservative measure during the integration of new assets or in response to uncertain economic conditions.
CWBC company profile · for informational purposes only — not investment advice.
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