What You Need to Know About Community West Bancshares's Q3 Earnings
Community West Bancshares's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (CWBC) missed or beat analyst's expectations.Rosalio Madrigal
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COMPANY SUMMARY
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.
Commentary & Analysis
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Why Community West Bancshares’s (CWBC) Stock Is Down 5.44%
As of Wednesday, December 17, Community West Bancshares’s CWBC share price has dipped by 5.44%, which has investors questioning if this is right time to buy.Jenna Brashear
Financial Summary
| Share Statistics | CWBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $679.1 | $716.9 | 41% |
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| Shares Out (Mil) | 19.1 | 15.7 | 30% |
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| Institutional Ownership | 81.4% | 83.0% | 50% |
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| Float (Mil) | 23.3 | 21.2 | 31% |
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| Beta | 0.79 | 0.48 | 46% |
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| Avg Daily Volume (000s) | 283 | 53 | 50% |
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| Price Change (52-week) |
28.0% | 96.7% | 67% |
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| Growth | CWBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 14.1% | 7.6% | 71% |
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| Net Income (5yr) | 13.5% | 11.1% | 60% |
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| EPS (5yr) | 4.3% | 10.1% | 37 |
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| Dividends (5yr) | 1.8% | 3.6% | 68% |
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| Cash Flow (5yr) | (15.4%) | (17.0%) | 49% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 5 | |
| Current EPS | $0.647 | $2.360 | $3.022 | |
| Month Ago EPS | $0.684 | $2.642 | $3.008 | |
| # Rev Up | 0 | 2 | 1 | |
| # Rev Down | 2 | 0 | 0 | |
| Three Months Ago EPS | $0.683 | $2.615 | $3.003 | |
| Year/Year Chg | 7.8% | 18.0% | na | |
| Financials | CWBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $147 | $190 | 29% |
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| Net Income (TTM) (Mil) | $41 | $51 | 54% |
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| EPS (TTM) | $2.174 | $2.500 | 73% |
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| Operating Cash Flow (TTM) (Mil) | $46 | $34 | 46% |
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| Net Cash Flow (TTM) (Mil) | ($18) | $1 | 27% |
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| Long-Term Debt (Q1) (Mil) | $69 | $100 | 42% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CWBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.15 | 1.27 | 28% |
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| P/E | 11.6 | 12.9 | 22% |
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| Dividend Yield | 1.9% | 2.2% | 75% |
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| PEG (5yr hist) | 2.7 | 1.1 | 75% |
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| Ratios | CWBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 23.1% | 28.9% | 82% |
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| ROA | 1.1% | 1.0% | 48% |
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| ROE | 10.5% | 11.1% | 59% |
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| Liabilities to Assets | 88.7% | 89.8% | 83% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
