Is Community West Bancshares (CWBC) Overvalued?
We dive into why Community West Bancshares (CWBC) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
Community West Bancshares operates as the bank holding company for Community West Bank, a California state-chartered commercial bank that provides a range of banking products and services to businesses, agribusiness customers, professionals, and individuals throughout Central California. The company accepts checking, savings, money market, and time deposit accounts, including certificates of deposit and non-interest-bearing demand deposits. It offers commercial and industrial loans; commercial real estate, construction, agricultural, farmland, multifamily, residential construction, mortgage, manufactured housing, SBA, and consumer loans; as well as lines of credit and other lending products. The company also provides private banking, treasury management, cash management, online and mobile banking, remote deposit capture, domestic and international wire transfers, bill payment, account transfers, and other customary banking services. Community West Bank operates full-service banking centers across Greater Sacramento, the San Joaquin Valley, and the Central Coast. The company was formerly known as Central Valley Community Bancorp and changed its name to Community West Bancshares in April 2024. Community West Bancshares was founded in 1979 and is based in Fresno, California.
Commentary & Analysis
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
What You Need to Know About Community West Bancshares's Q2 Earnings
Community West Bancshares's fiscal Q2 earnings report was released on Thursday, April 23. Let's dive in to see if (CWBC) missed or beat analyst's expectations.Rosalio Madrigal
6 Undervalued Banks Stocks for Monday, March 09
Discover the top 6 undervalued Banks stocks for Monday, March 09 based on AAII’s Stock Grades.Tudor Pop
What You Need to Know About Community West Bancshares's Q1 Earnings
Community West Bancshares's fiscal Q1 earnings report was released on Thursday, January 22. Let's dive in to see if (CWBC) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | CWBC | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $703.2 | $745.4 | 40% |
|
| Shares Out (Mil) | 27.1 | 15.3 | 35% |
|
| Institutional Ownership | 86.6% | 83.2% | 54% |
|
| Float (Mil) | 24.7 | 21.8 | 32% |
|
| Beta | 0.80 | 0.42 | 48% |
|
| Avg Daily Volume (000s) | 274 | 45 | 48% |
|
| Price Change (52-week) |
28.4% | 94.6% | 67% |
|
| Growth | CWBC | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 14.1% | 7.7% | 71% |
|
| Net Income (5yr) | 13.5% | 11.1% | 61% |
|
| EPS (5yr) | 4.3% | 10.1% | 37 |
|
| Dividends (5yr) | 1.8% | 3.6% | 69% |
|
| Cash Flow (5yr) | (15.4%) | (17.1%) | 49% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 3 | 3 | 5 | |
| Current EPS | $0.647 | $2.360 | $3.022 | |
| Month Ago EPS | $0.675 | $2.644 | $3.016 | |
| # Rev Up | 0 | 2 | 1 | |
| # Rev Down | 3 | 0 | 0 | |
| Three Months Ago EPS | $0.683 | $2.615 | $3.003 | |
| Year/Year Chg | 547.0% | 18.0% | na | |
| Financials | CWBC | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $157 | $196 | 30% |
|
| Net Income (TTM) (Mil) | $36 | $55 | 53% |
|
| EPS (TTM) | $1.721 | $2.600 | 69% |
|
| Operating Cash Flow (TTM) (Mil) | $54 | $35 | 47% |
|
| Net Cash Flow (TTM) (Mil) | $73 | $2 | 74% |
|
| Long-Term Debt (Q1) (Mil) | $75 | $100 | 42% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | CWBC | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.16 | 1.25 | 27% |
|
| P/E | 15.2 | 12.4 | 37% |
|
| Dividend Yield | 1.9% | 2.2% | 75% |
|
| PEG (5yr hist) | 3.5 | 1.1 | 82% |
|
| Ratios | CWBC | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | 23.1% | 29.1% | 82% |
|
| ROA | 0.8% | 1.1% | 44% |
|
| ROE | 7.3% | 11.3% | 49% |
|
| Liabilities to Assets | 87.9% | 89.7% | 82% |
|
| F-Score | 4 | 4 | 33% |
|
Passing Stock Screens
As of 8/21/2026, 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 |
