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1. Company Snapshot

1.a. Company Description

Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California.The company offers deposit products, such as checking accounts, savings accounts, money market accounts, and fixed rate and fixed maturity certificates of deposit; and cash management products.It also provides commercial, commercial real estate, consumer, manufactured housing, and small business administration loans, as well as agricultural loans for real estate and operating lines; home equity lines of credit collateralized by residential real estate; single family real estate loans; and installment loans consisting of automobile and general-purpose loans.


The company serves small to medium-sized businesses and their owners, professionals, high-net worth individuals, and non-profit organizations.It operates through a network of seven branch banking offices in Goleta, Santa Barbara, Santa Maria, Ventura, San Luis Obispo, Oxnard, and Paso Robles.Community West Bancshares was founded in 1989 and is headquartered in Goleta, California.

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1.b. Last Insights on CWBC

Community West Bancshares' recent earnings release revealed a disappointing Q4 2024 performance, with earnings per share (EPS) of $0.38, missing the consensus estimate of $0.45. This decline in EPS from $0.50 a year ago indicates a weakening profitability trend. Furthermore, the company's revenue performance was also subpar, failing to meet expectations. The decline in net interest income and increased non-interest expenses were likely major contributors to this underperformance."

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Martin E. Plourd to Retire as Community West Bancshares President

Nov -13

Source: businesswire.com

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Community West Bancshares (CWBC) Upgraded to Buy: Here's Why

Oct -23

Source: zacks.com

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Community West Bancshares (CWBC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Oct -16

Source: zacks.com

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Community West Bancshares (CWBC) Beats Q3 Earnings and Revenue Estimates

Oct -16

Source: zacks.com

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

Oct -16

Source: businesswire.com

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Community West Bancshares (CWBC) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Jul -17

Source: zacks.com

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Community West Bancshares (CWBC) Lags Q2 Earnings and Revenue Estimates

Jul -17

Source: zacks.com

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Community West Bancshares Reports Earnings Results for the Quarter Ended June 30, 2025, Quarterly Dividend, and Share Repurchase Program

Jul -17

Source: businesswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.77%)

6. Segments

Banking and Related Activities

Expected Growth: 4.77%

Community West Bancshares' 4.77% growth in Banking and Related Activities is driven by increasing loan demand, expansion of commercial banking services, and strategic acquisitions. Additionally, the bank's focus on digital transformation, cost savings initiatives, and a favorable interest rate environment have contributed to its growth.

7. Detailed Products

Commercial Loans

Community West Bancshares offers a range of commercial loans to support businesses of all sizes, including lines of credit, term loans, and construction loans.

Residential Loans

The company provides a variety of residential loan options, including fixed-rate and adjustable-rate mortgages, refinancing, and home equity loans.

Deposit Services

Community West Bancshares offers a range of deposit services, including checking and savings accounts, certificates of deposit, and individual retirement accounts.

Treasury Management

The company provides treasury management services, including cash management, wire transfers, and account reconciliation.

Online Banking

Community West Bancshares offers online banking services, allowing customers to manage their accounts, pay bills, and transfer funds online.

Mobile Banking

The company provides mobile banking services, enabling customers to access their accounts, deposit checks, and transfer funds on-the-go.

8. Community West Bancshares's Porter Forces

Forces Ranking

Threat Of Substitutes

Community West Bancshares operates in a niche market, providing financial services to small and medium-sized businesses. While there are substitutes available, the bank's strong relationships with its customers and its ability to provide personalized services reduce the threat of substitutes.

Bargaining Power Of Customers

Community West Bancshares' customers are primarily small and medium-sized businesses, which have limited bargaining power. The bank's strong relationships with its customers and its ability to provide personalized services reduce the bargaining power of customers.

Bargaining Power Of Suppliers

Community West Bancshares has a diversified supplier base, which reduces the bargaining power of suppliers. The bank's strong financial position and its ability to negotiate with suppliers also reduce the bargaining power of suppliers.

Threat Of New Entrants

The banking industry is heavily regulated, and new entrants face significant barriers to entry. Community West Bancshares' strong brand recognition and its ability to provide personalized services reduce the threat of new entrants.

Intensity Of Rivalry

The banking industry is highly competitive, and Community West Bancshares faces competition from other banks and financial institutions. However, the bank's strong relationships with its customers and its ability to provide personalized services reduce the intensity of rivalry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 42.33%
Debt Cost 8.30%
Equity Weight 57.67%
Equity Cost 8.30%
WACC 8.30%
Leverage 73.39%

11. Quality Control: Community West Bancshares passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Unity Bancorp

A-Score: 6.3/10

Value: 6.6

Growth: 7.4

Quality: 6.4

Yield: 3.0

Momentum: 8.0

Volatility: 6.7

1-Year Total Return ->

View Full Report
Stock-Card
Community West

A-Score: 6.2/10

Value: 5.7

Growth: 3.8

Quality: 6.6

Yield: 6.0

Momentum: 7.0

Volatility: 8.0

1-Year Total Return ->

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Stock-Card
Southside Bancshares

A-Score: 6.0/10

Value: 6.2

Growth: 5.6

Quality: 5.8

Yield: 8.0

Momentum: 2.5

Volatility: 8.0

1-Year Total Return ->

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Stock-Card
Heritage Commerce

A-Score: 6.0/10

Value: 3.9

Growth: 3.7

Quality: 7.3

Yield: 9.0

Momentum: 5.0

Volatility: 7.0

1-Year Total Return ->

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Stock-Card
German American Bancorp

A-Score: 5.8/10

Value: 6.2

Growth: 4.8

Quality: 5.6

Yield: 5.0

Momentum: 4.5

Volatility: 8.7

1-Year Total Return ->

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Stock-Card
Origin Bancorp

A-Score: 5.7/10

Value: 5.9

Growth: 5.3

Quality: 6.4

Yield: 3.0

Momentum: 6.0

Volatility: 7.7

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

23.27$

Current Price

23.27$

Potential

-0.00%

Expected Cash-Flows