Free Trial
Invest Smarter with A.I. Powered Investing Tools and ResearchGet 30 Days Free

Community West Bancshares (CWBC) Financials

Community West Bancshares logo
$20.92 +0.06 (+0.29%)
As of 03:36 PM Eastern
This is a fair market value price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for Community West Bancshares

Annual Income Statements for Community West Bancshares

This table shows Community West Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 27 26 7.67
Consolidated Net Income / (Loss)		 27 26 7.67
Net Income / (Loss) Continuing Operations		 27 26 7.67
Total Pre-Tax Income 		35 34 11
Total Revenue		 85 89 117
Net Interest Income / (Expense)		 80 82 110
Total Interest Income		 83 102 160
Loans and Leases Interest Income		 56 70 130
Investment Securities Interest Income		 27 29 26
Deposits and Money Market Investments Interest Income		 0.39 3.58 4.36
Total Interest Expense		 3.42 20 50
Deposits Interest Expense		 1.20 16 41
Short-Term Borrowings Interest Expense		 0.25 0.81 5.69
Long-Term Debt Interest Expense		 1.97 3.65 3.67
Total Non-Interest Income		 5.05 7.02 6.45
Other Service Charges		 5.42 5.99 8.52
Net Realized & Unrealized Capital Gains on Investments		 -1.72 -0.51 -4.19
Other Non-Interest Income		 1.35 1.53 2.12
Provision for Credit Losses		 1.00 0.31 11
Total Non-Interest Expense		 48 55 95
Salaries and Employee Benefits		 29 31 48
Net Occupancy & Equipment Expense		 11 12 19
Marketing Expense		 0.56 0.54 0.85
Other Operating Expenses		 7.84 10 16
Amortization Expense		 0.45 0.07 0.75
Restructuring Charge		 0.00 1.19 9.61
Income Tax Expense		 8.50 8.30 3.33
Basic Earnings per Share		 $2.27 $2.17 $0.45
Weighted Average Basic Shares Outstanding		 11.75M 11.83M 19.05M
Diluted Earnings per Share		 $2.27 $2.17 $0.45
Weighted Average Diluted Shares Outstanding		 11.75M 11.83M 19.05M
Weighted Average Basic & Diluted Shares Outstanding		 11.75M 11.83M 19.05M
Cash Dividends to Common per Share		 $0.48 $0.48 $0.48

Quarterly Income Statements for Community West Bancshares

This table shows Community West Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 6.38 7.63 6.97 6.28 6.39 5.89 3.68 -6.29 3.39 6.90
Consolidated Net Income / (Loss)		 6.38 7.63 6.97 6.28 6.39 5.89 3.68 -6.29 3.39 6.90
Net Income / (Loss) Continuing Operations		 6.38 7.63 6.97 6.28 6.39 5.89 3.68 -6.29 3.39 6.90
Total Pre-Tax Income 		8.35 10 9.32 8.34 8.49 7.70 4.80 -7.88 4.16 9.91
Total Revenue		 22 23 23 22 22 22 21 30 31 34
Net Interest Income / (Expense)		 20 22 22 20 21 20 19 29 30 32
Total Interest Income		 21 23 24 26 26 26 26 44 45 45
Loans and Leases Interest Income		 15 16 17 17 18 18 18 36 37 38
Investment Securities Interest Income		 6.24 6.96 7.29 7.23 7.29 7.22 6.90 6.72 6.33 5.92
Deposits and Money Market Investments Interest Income		 0.05 0.23 0.08 1.37 1.48 0.65 0.43 1.08 1.54 1.31
Total Interest Expense		 0.83 1.35 2.56 5.78 5.94 5.71 6.55 15 15 13
Deposits Interest Expense		 0.23 0.48 1.00 4.87 5.02 4.64 5.02 12 12 11
Long-Term Debt Interest Expense		 0.60 0.62 1.56 0.91 0.92 0.26 1.54 2.67 2.58 -3.12
Total Non-Interest Income		 1.48 0.97 1.58 1.59 1.58 2.27 1.64 1.40 1.11 2.30
Other Service Charges		 1.49 0.88 1.79 1.63 1.62 0.94 2.01 3.37 2.96 0.18
Net Realized & Unrealized Capital Gains on Investments		 -0.01 -0.94 -0.22 -0.04 -0.04 -0.21 -0.37 -1.97 -1.85 0.01
Provision for Credit Losses		 0.50 0.50 0.63 -0.34 0.19 -0.17 0.58 9.83 -0.52 1.23
Total Non-Interest Expense		 13 12 13 14 13 15 15 29 28 23
Salaries and Employee Benefits		 7.50 7.42 8.03 7.98 7.47 7.88 8.64 13 14 13
Net Occupancy & Equipment Expense		 1.36 5.55 1.26 1.26 1.49 7.95 1.54 2.42 2.69 13
Other Operating Expenses		 3.94 -1.55 3.91 4.57 4.47 -2.78 5.15 13 11 -13
Income Tax Expense		 1.96 2.68 2.35 2.06 2.10 1.80 1.13 -1.59 0.78 3.02
Basic Earnings per Share		 $0.55 $0.65 $0.60 $0.54 $0.54 $0.49 $0.31 ($0.33) $0.18 $0.29
Weighted Average Basic Shares Outstanding		 11.68M 11.75M 11.70M 11.72M 11.74M 11.83M 11.75M 18.81M 18.84M 19.05M
Diluted Earnings per Share		 $0.55 $0.65 $0.59 $0.54 $0.54 $0.50 $0.31 ($0.33) $0.18 $0.29
Weighted Average Diluted Shares Outstanding		 11.69M 11.75M 11.73M 11.74M 11.76M 11.83M 11.79M 18.94M 18.97M 19.05M
Weighted Average Basic & Diluted Shares Outstanding		 11.73M 11.75M 11.75M 11.81M 11.81M 11.83M 18.87M 18.94M 18.95M 19.05M
Cash Dividends to Common per Share		 $0.12 $0.12 $0.12 $0.12 $0.12 $0.12 $0.12 $0.12 $0.12 $0.12

Annual Cash Flow Statements for Community West Bancshares

This table details how cash moves in and out of Community West Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -132 23 67
Net Cash From Operating Activities		 24 28 22
Net Cash From Continuing Operating Activities		 24 28 22
Net Income / (Loss) Continuing Operations		 27 26 7.67
Consolidated Net Income / (Loss)		 27 26 7.67
Provision For Loan Losses		 1.00 0.31 11
Depreciation Expense		 0.76 0.89 2.21
Amortization Expense		 9.14 8.68 0.03
Non-Cash Adjustments to Reconcile Net Income		 -0.01 -1.56 1.93
Changes in Operating Assets and Liabilities, net		 -14 -6.33 -0.75
Net Cash From Investing Activities		 -197 25 64
Net Cash From Continuing Investing Activities		 -197 25 64
Purchase of Property, Leasehold Improvements and Equipment		 -0.36 -9.81 -5.04
Purchase of Investment Securities		 -518 -36 -56
Sale of Property, Leasehold Improvements and Equipment		 0.02 3.26 0.02
Sale and/or Maturity of Investments		 322 67 126
Net Cash From Financing Activities		 41 -29 -20
Net Cash From Continuing Financing Activities		 41 -29 -20
Net Change in Deposits		 -23 -58 23
Issuance of Debt		 2,483 3,528 972
Repayment of Debt		 -2,407 -3,494 -1,007
Repurchase of Common Equity		 -6.81 -0.00 -0.04
Payment of Dividends		 -5.64 -5.66 -8.23
Other Financing Activities, Net		 0.71 0.21 0.71
Cash Interest Paid		 2.83 20 49
Cash Income Taxes Paid		 8.31 7.70 2.57

Quarterly Cash Flow Statements for Community West Bancshares

This table details how cash moves in and out of Community West Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 14 -10 33 64 -54 -21 7.23 49 39 -29
Net Cash From Operating Activities		 8.42 9.73 11 4.94 7.96 4.09 3.98 6.32 11 0.92
Net Cash From Continuing Operating Activities		 8.42 9.73 11 4.94 7.96 4.09 3.98 6.32 11 0.92
Net Income / (Loss) Continuing Operations		 6.38 7.63 6.97 6.28 6.39 5.89 3.68 -6.29 3.39 6.90
Consolidated Net Income / (Loss)		 6.38 7.63 6.97 6.28 6.39 5.89 3.68 -6.29 3.39 6.90
Provision For Loan Losses		 0.50 0.50 0.63 -0.34 0.19 -0.17 0.58 9.83 -0.52 1.22
Depreciation Expense		 0.18 0.17 0.16 0.15 0.14 0.44 0.38 0.56 0.59 0.68
Amortization Expense		 2.29 1.94 2.31 2.26 2.25 1.86 1.30 0.85 -0.98 -1.14
Non-Cash Adjustments to Reconcile Net Income		 -0.21 0.23 -0.18 -0.51 -0.55 -0.32 -0.16 1.33 1.30 -0.53
Changes in Operating Assets and Liabilities, net		 -0.71 -0.75 0.65 -2.89 -0.47 -3.62 -1.79 0.05 7.19 -6.20
Net Cash From Investing Activities		 -72 -0.29 -6.20 36 -9.22 3.67 28 53 -1.84 -14
Net Cash From Continuing Investing Activities		 -72 -0.29 -6.20 36 -9.22 3.67 28 53 -1.84 -14
Purchase of Property, Leasehold Improvements and Equipment		 -0.03 -0.25 -0.21 -3.05 -1.35 -5.20 -0.44 -0.44 -2.53 -1.63
Purchase of Investment Securities		 -88 -31 -29 30 -21 -16 3.70 -49 -41 30
Sale and/or Maturity of Investments		 17 30 23 9.56 11 24 25 43 41 16
Net Cash From Financing Activities		 78 -20 29 23 -53 -29 -25 -10 30 -15
Net Cash From Continuing Financing Activities		 78 -20 29 23 -53 -29 -25 -10 30 -15
Net Change in Deposits		 33 -39 76 25 -51 -107 -10 -5.98 52 -13
Issuance of Debt		 962 363 3,347 - - 182 331 384 125 133
Repayment of Debt		 -916 -342 -3,393 - - -102 -344 -386 -145 -133
Payment of Dividends		 -1.41 -1.41 -1.41 -1.41 -1.42 -1.42 -1.42 -2.27 -2.27 -2.27
Other Financing Activities, Net		 0.14 0.05 0.08 0.05 0.04 0.04 0.07 0.14 0.11 0.39
Cash Interest Paid		 0.37 1.31 2.73 5.89 5.56 5.83 5.79 13 16 14
Cash Income Taxes Paid		 0.70 2.70 0.00 5.40 1.30 1.00 0.00 2.38 - 0.19

Annual Balance Sheets for Community West Bancshares

This table presents Community West Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 2,423 2,433 3,522
Cash and Due from Banks		 25 30 28
Interest Bearing Deposits at Other Banks		 5.69 24 92
Trading Account Securities		 960 906 785
Loans and Leases, Net of Allowance		 -11 1,276 2,308
Accrued Investment Income		 77 81 113
Premises and Equipment, Net		 7.99 14 24
Goodwill		 54 54 97
Intangible Assets		 - 0.00 9.27
Other Assets		 47 49 64
Total Liabilities & Shareholders' Equity		 2,423 2,433 3,522
Total Liabilities		 2,248 2,226 3,159
Non-Interest Bearing Deposits		 1,057 952 981
Interest Bearing Deposits		 1,043 1,090 1,930
Accrued Interest Payable		 33 35 45
Long-Term Debt		 116 150 203
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 175 207 363
Total Preferred & Common Equity		 175 207 363
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 175 207 363
Common Stock		 61 63 208
Retained Earnings		 194 211 210
Accumulated Other Comprehensive Income / (Loss)		 -81 -66 -55

Quarterly Balance Sheets for Community West Bancshares

This table presents Community West Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 2,426 2,464 2,490 2,435 2,416 3,485 3,531
Cash and Due from Banks		 33 90 28 28 25 26 44
Interest Bearing Deposits at Other Banks		 9.04 39 100 47 36 83 105
Trading Account Securities		 980 638 930 903 883 840 813
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 2,232 2,272
Accrued Investment Income		 81 79 78 86 83 123 115
Premises and Equipment, Net		 7.91 8.04 11 9.70 14 22 24
Goodwill		 54 54 54 54 54 96 96
Other Assets		 46 47 48 48 49 62 62
Total Liabilities & Shareholders' Equity		 2,426 2,464 2,490 2,435 2,416 3,485 3,531
Total Liabilities		 2,267 4,458 2,302 2,254 2,204 3,134 3,168
Non-Interest Bearing Deposits		 1,045 3,151 957 991 911 1,076 1,076
Interest Bearing Deposits		 1,094 1,200 1,243 1,158 1,120 1,793 1,845
Accrued Interest Payable		 33 36 32 35 36 45 44
Long-Term Debt		 70 70 70 70 70 220 202
Commitments & Contingencies		 0.00 - - - - 0.00 0.00
Total Equity & Noncontrolling Interests		 159 182 187 182 212 350 364
Total Preferred & Common Equity		 159 182 187 182 212 350 364
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 159 182 187 182 212 350 364
Common Stock		 61 62 62 62 63 207 207
Retained Earnings		 188 196 201 206 213 204 205
Accumulated Other Comprehensive Income / (Loss)		 -91 -76 -76 -87 -64 -61 -49

Annual Metrics And Ratios for Community West Bancshares

This table displays calculated financial ratios and metrics derived from Community West Bancshares' official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 3.75% 5.71% 30.59%
EBITDA Growth		 -1.26% -3.61% -69.51%
EBIT Growth		 -7.57% -3.70% -67.50%
NOPAT Growth		 -6.18% -4.16% -69.98%
Net Income Growth		 -6.18% -4.16% -69.98%
EPS Growth		 -1.73% -4.41% -79.26%
Operating Cash Flow Growth		 -44.76% 16.28% -19.34%
Free Cash Flow Firm Growth		 371.55% -273.16% -391.41%
Invested Capital Growth		 1.03% 22.93% 58.63%
Revenue Q/Q Growth		 1.78% -0.65% 11.39%
EBITDA Q/Q Growth		 4.74% -3.18% -6.19%
EBIT Q/Q Growth		 3.19% -7.17% 25.25%
NOPAT Q/Q Growth		 3.08% -6.38% 15.02%
Net Income Q/Q Growth		 3.08% -6.38% 15.02%
EPS Q/Q Growth		 3.65% -6.47% -31.82%
Operating Cash Flow Q/Q Growth		 -4.24% -18.29% -13.59%
Free Cash Flow Firm Q/Q Growth		 -2.03% -240.00% 34.53%
Invested Capital Q/Q Growth		 14.56% 41.95% 0.02%
Profitability Metrics		 - - -
EBITDA Margin		 53.22% 48.53% 11.33%
EBIT Margin		 41.53% 37.83% 9.42%
Profit (Net Income) Margin		 31.49% 28.55% 6.56%
Tax Burden Percent		 75.82% 75.46% 69.70%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 24.18% 24.54% 30.30%
Return on Invested Capital (ROIC)		 9.23% 7.89% 1.66%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.23% 7.89% 1.66%
Return on Net Nonoperating Assets (RNNOA)		 3.39% 5.49% 1.03%
Return on Equity (ROE)		 12.61% 13.38% 2.69%
Cash Return on Invested Capital (CROIC)		 8.20% -12.68% -43.68%
Operating Return on Assets (OROA)		 1.44% 1.39% 0.37%
Return on Assets (ROA)		 1.09% 1.05% 0.26%
Return on Common Equity (ROCE)		 12.61% 13.38% 2.69%
Return on Equity Simple (ROE_SIMPLE)		 15.26% 12.33% 2.11%
Net Operating Profit after Tax (NOPAT)		 27 26 7.67
NOPAT Margin		 31.49% 28.55% 6.56%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.50% 49.05% 58.63%
Operating Expenses to Revenue		 57.30% 61.82% 81.07%
Earnings before Interest and Taxes (EBIT)		 35 34 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 45 43 13
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.34 1.24 1.01
Price to Tangible Book Value (P/TBV)		 1.94 1.67 1.43
Price to Revenue (P/Rev)		 2.77 2.86 3.14
Price to Earnings (P/E)		 8.80 10.03 47.84
Dividend Yield		 2.41% 2.22% 2.49%
Earnings Yield		 11.37% 9.97% 2.09%
Enterprise Value to Invested Capital (EV/IC)		 1.10 0.99 0.79
Enterprise Value to Revenue (EV/Rev)		 3.77 3.94 3.85
Enterprise Value to EBITDA (EV/EBITDA)		 7.08 8.11 33.97
Enterprise Value to EBIT (EV/EBIT)		 9.07 10.41 40.89
Enterprise Value to NOPAT (EV/NOPAT)		 11.97 13.79 58.66
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.47 12.80 20.25
Enterprise Value to Free Cash Flow (EV/FCFF)		 13.46 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.66 0.72 0.56
Long-Term Debt to Equity		 0.66 0.72 0.56
Financial Leverage		 0.37 0.70 0.62
Leverage Ratio		 11.53 12.72 10.45
Compound Leverage Factor		 11.53 12.72 10.45
Debt to Total Capital		 39.83% 41.97% 35.92%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 39.83% 41.97% 35.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 60.17% 58.03% 64.08%
Debt to EBITDA		 2.57 3.45 15.36
Net Debt to EBITDA		 1.87 2.21 6.26
Long-Term Debt to EBITDA		 2.57 3.45 15.36
Debt to NOPAT		 4.34 5.86 26.52
Net Debt to NOPAT		 3.17 3.76 10.82
Long-Term Debt to NOPAT		 4.34 5.86 26.52
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 24 -41 -202
Operating Cash Flow to CapEx		 6,822.19% 420.64% 442.54%
Free Cash Flow to Firm to Interest Expense		 6.92 -2.05 -4.03
Operating Cash Flow to Interest Expense		 6.92 1.38 0.44
Operating Cash Flow Less CapEx to Interest Expense		 6.82 1.05 0.34
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.04 0.04
Fixed Asset Turnover		 10.34 8.12 6.07
Capital & Investment Metrics		 - - -
Invested Capital		 290 357 566
Invested Capital Turnover		 0.29 0.28 0.25
Increase / (Decrease) in Invested Capital		 2.96 67 209
Enterprise Value (EV)		 319 352 450
Market Capitalization		 234 256 367
Book Value per Share		 $14.89 $17.53 $19.14
Tangible Book Value per Share		 $10.30 $12.97 $13.54
Total Capital		 290 357 566
Total Debt		 116 150 203
Total Long-Term Debt		 116 150 203
Net Debt		 84 96 83
Capital Expenditures (CapEx)		 0.35 6.54 5.02
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 116 150 203
Total Depreciation and Amortization (D&A)		 9.90 9.57 2.24
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.27 $0.00 $0.45
Adjusted Weighted Average Basic Shares Outstanding		 11.75M 0.00 19.05M
Adjusted Diluted Earnings per Share		 $2.27 $0.00 $0.45
Adjusted Weighted Average Diluted Shares Outstanding		 11.75M 0.00 19.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.75M 0.00 19.05M
Normalized Net Operating Profit after Tax (NOPAT)		 27 26 14
Normalized NOPAT Margin		 31.49% 29.55% 12.30%
Pre Tax Income Margin		 41.53% 37.83% 9.42%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 10.27 1.69 0.22
NOPAT to Interest Expense		 7.79 1.28 0.15
EBIT Less CapEx to Interest Expense		 10.17 1.37 0.12
NOPAT Less CapEx to Interest Expense		 7.69 0.95 0.05
Payout Ratios		 - - -
Dividend Payout Ratio		 21.16% 22.15% 107.36%
Augmented Payout Ratio		 46.73% 22.16% 107.85%

Quarterly Metrics And Ratios for Community West Bancshares

This table displays calculated financial ratios and metrics derived from Community West Bancshares' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.32% 6.87% 19.17% 5.92% 2.15% -2.53% -10.57% 39.72% 41.65% 53.36%
EBITDA Growth		 -3.36% 19.64% 12.11% -4.84% 0.65% -19.51% -44.97% -160.20% -65.34% -5.48%
EBIT Growth		 -5.12% 11.76% 16.68% -1.88% 1.70% -25.36% -48.48% -194.48% -50.99% 28.80%
NOPAT Growth		 -2.10% 11.63% 14.53% -3.97% 0.09% -22.78% -47.26% -187.77% -47.03% 16.98%
Net Income Growth		 -2.10% 11.63% 14.53% -3.97% 0.09% -22.78% -47.26% -200.13% -47.03% 16.98%
EPS Growth		 1.85% 14.04% 15.69% -3.57% -1.82% -23.08% -47.46% -161.11% -66.67% -42.00%
Operating Cash Flow Growth		 95.63% -9.72% 1,758.58% -19.76% -5.43% -57.96% -62.19% 27.96% 37.79% -77.41%
Free Cash Flow Firm Growth		 210.90% 115.43% 9,756.77% -172.51% 78.54% -1,397.99% -204.93% -908.59% -3,800.00% -233.55%
Invested Capital Growth		 0.67% 1.03% -932.39% 17.31% -0.80% 22.93% 118.11% 122.03% 125.13% 58.63%
Revenue Q/Q Growth		 5.17% 6.10% 0.83% -5.86% 1.43% 1.24% -7.48% 47.07% 2.83% 9.60%
EBITDA Q/Q Growth		 -4.22% 14.85% 3.15% -8.79% 1.29% -8.15% -37.19% -199.77% 158.32% 150.46%
EBIT Q/Q Growth		 -1.78% 23.56% -9.64% -10.53% 1.81% -9.32% -37.63% -264.07% 152.81% 138.32%
NOPAT Q/Q Growth		 -2.42% 19.56% -8.69% -9.87% 1.72% -7.76% -37.63% -250.00% 161.39% 103.69%
Net Income Q/Q Growth		 -2.42% 19.56% -8.69% -9.87% 1.72% -7.76% -37.63% -271.11% 153.82% 103.69%
EPS Q/Q Growth		 -1.79% 18.18% -9.23% -8.47% 0.00% -7.41% -38.00% -206.45% 154.55% 61.11%
Operating Cash Flow Q/Q Growth		 36.71% 15.55% 2.75% -53.08% 61.13% -48.64% -9.81% 58.81% 73.50% -91.58%
Free Cash Flow Firm Q/Q Growth		 -89.21% -0.79% 46,169.63% -101.46% 126.57% -821.31% -3,640.63% 85.93% 2.52% 34.98%
Invested Capital Q/Q Growth		 15.64% 14.56% -762.88% 113.36% -2.21% 41.95% -2.33% 63.76% -0.84% 0.02%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 49.97% 54.09% 50.88% 49.30% 49.23% 44.67% 31.31% -21.24% 12.05% 27.53%
EBIT Margin		 38.56% 44.90% 40.24% 38.24% 38.39% 34.39% 23.18% -25.86% 13.28% 28.88%
Profit (Net Income) Margin		 29.50% 33.24% 30.10% 28.82% 28.90% 26.33% 17.75% -20.65% 10.81% 20.09%
Tax Burden Percent		 76.49% 74.02% 74.80% 75.35% 75.28% 76.58% 76.57% 79.85% 81.37% 69.55%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.51% 25.98% 25.20% 24.65% 24.72% 23.42% 23.43% 0.00% 18.63% 30.45%
Return on Invested Capital (ROIC)		 9.71% 9.74% 0.00% 10.84% 10.31% 7.28% 0.00% -4.18% 2.77% 5.09%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.71% 9.74% 0.00% 10.84% 10.31% 7.28% 0.00% -4.72% 2.77% 5.09%
Return on Net Nonoperating Assets (RNNOA)		 2.39% 3.57% 0.00% 3.59% 4.97% 5.06% 0.00% -2.55% 1.38% 3.15%
Return on Equity (ROE)		 12.10% 13.31% 14.73% 14.43% 15.28% 12.34% 11.30% -6.73% 4.16% 8.24%
Cash Return on Invested Capital (CROIC)		 9.57% 8.20% 0.00% -4.48% 11.61% -12.68% -645.72% -73.45% -75.34% -43.68%
Operating Return on Assets (OROA)		 1.34% 1.56% 1.45% 1.41% 1.42% 1.27% 0.83% -0.83% 0.47% 1.13%
Return on Assets (ROA)		 1.03% 1.15% 1.09% 1.07% 1.07% 0.97% 0.63% -0.66% 0.38% 0.79%
Return on Common Equity (ROCE)		 12.10% 13.31% 14.73% 14.43% 15.28% 12.34% 11.30% -6.73% 4.16% 8.24%
Return on Equity Simple (ROE_SIMPLE)		 16.28% 0.00% 15.12% 14.55% 15.02% 0.00% 10.51% 2.76% 1.83% 0.00%
Net Operating Profit after Tax (NOPAT)		 6.38 7.63 6.97 6.28 6.39 5.89 3.68 -5.51 3.39 6.90
NOPAT Margin		 29.50% 33.24% 30.10% 28.82% 28.90% 26.33% 17.75% -18.10% 10.81% 20.09%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.54% 0.00% 0.00%
SG&A Expenses to Revenue		 40.95% 56.47% 40.13% 42.39% 40.54% 70.74% 49.16% 52.12% 52.35% 73.37%
Operating Expenses to Revenue		 59.15% 52.92% 57.03% 63.33% 60.77% 66.36% 74.04% 93.58% 88.37% 67.55%
Earnings before Interest and Taxes (EBIT)		 8.35 10 9.32 8.34 8.49 7.70 4.80 -7.88 4.16 9.91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 12 12 11 11 10.00 6.48 -6.47 3.77 9.45
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.22 1.34 1.25 0.92 0.88 1.24 1.08 0.98 0.99 1.01
Price to Tangible Book Value (P/TBV)		 1.85 1.94 1.78 1.30 1.25 1.67 1.45 1.35 1.35 1.43
Price to Revenue (P/Rev)		 2.33 2.77 2.59 1.93 1.77 2.86 2.63 3.60 3.44 3.14
Price to Earnings (P/E)		 7.49 8.80 8.30 6.35 5.85 10.03 10.28 35.57 54.14 47.84
Dividend Yield		 0.00% 2.41% 0.00% 0.00% 0.00% 2.22% 0.00% 0.66% 1.26% 2.49%
Earnings Yield		 13.35% 11.37% 12.05% 15.75% 17.10% 9.97% 9.73% 2.81% 1.85% 2.09%
Enterprise Value to Invested Capital (EV/IC)		 0.97 1.10 0.00 0.44 0.62 0.99 0.87 0.80 0.73 0.79
Enterprise Value to Revenue (EV/Rev)		 2.97 3.77 1.92 1.27 1.72 3.94 3.50 4.75 3.95 3.85
Enterprise Value to EBITDA (EV/EBITDA)		 5.74 7.08 3.74 2.55 3.45 8.11 7.92 21.43 29.35 33.97
Enterprise Value to EBIT (EV/EBIT)		 7.24 9.07 4.65 3.14 4.24 10.41 10.38 34.69 47.17 40.89
Enterprise Value to NOPAT (EV/NOPAT)		 9.54 11.97 6.16 4.19 5.67 13.79 13.69 47.03 62.14 58.66
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.98 13.47 4.79 3.34 4.59 12.80 14.29 20.05 16.12 20.25
Enterprise Value to Free Cash Flow (EV/FCFF)		 10.20 13.46 0.08 0.00 5.28 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.60 0.66 0.38 0.37 0.38 0.72 0.65 0.63 0.56 0.56
Long-Term Debt to Equity		 0.44 0.66 0.38 0.37 0.38 0.72 0.33 0.63 0.56 0.56
Financial Leverage		 0.25 0.37 -5.53 0.33 0.48 0.70 -5.00 0.54 0.50 0.62
Leverage Ratio		 11.78 11.53 13.08 13.54 14.28 12.72 12.39 11.11 10.94 10.45
Compound Leverage Factor		 11.78 11.53 13.08 13.54 14.28 12.72 12.39 11.11 10.94 10.45
Debt to Total Capital		 37.32% 39.83% 27.67% 27.11% 27.73% 41.97% 39.25% 38.63% 35.76% 35.92%
Short-Term Debt to Total Capital		 9.87% 0.00% 0.00% 0.00% 0.00% 0.00% 19.23% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 27.45% 39.83% 27.67% 27.11% 27.73% 41.97% 20.02% 38.63% 35.76% 35.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 62.68% 60.17% 72.33% 72.89% 72.27% 58.03% 60.75% 61.37% 64.24% 64.08%
Debt to EBITDA		 2.20 2.57 1.54 1.56 1.55 3.45 3.56 10.39 14.34 15.36
Net Debt to EBITDA		 1.23 1.87 -1.30 -1.32 -0.11 2.21 1.97 5.22 3.78 6.26
Long-Term Debt to EBITDA		 1.62 2.57 1.54 1.56 1.55 3.45 1.82 10.39 14.34 15.36
Debt to NOPAT		 3.66 4.34 2.53 2.56 2.56 5.86 6.15 22.80 30.36 26.52
Net Debt to NOPAT		 2.05 3.17 -2.14 -2.16 -0.18 3.76 3.41 11.46 8.00 10.82
Long-Term Debt to NOPAT		 2.69 4.34 2.53 2.56 2.56 5.86 3.14 22.80 30.36 26.52
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 4.71 4.67 2,162 -32 8.41 -61 -2,269 -319 -311 -202
Operating Cash Flow to CapEx		 27,161.29% 4,193.53% 5,015.24% 161.87% 591.60% 92.87% 902.95% 1,440.55% 432.99% 56.86%
Free Cash Flow to Firm to Interest Expense		 5.69 3.45 843.94 -5.47 1.42 -10.63 -346.18 -21.36 -20.64 -15.04
Operating Cash Flow to Interest Expense		 10.17 7.19 4.11 0.85 1.34 0.72 0.61 0.42 0.73 0.07
Operating Cash Flow Less CapEx to Interest Expense		 10.13 7.01 4.03 0.33 1.11 -0.06 0.54 0.39 0.56 -0.05
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.03 0.04 0.04
Fixed Asset Turnover		 10.18 10.34 10.89 9.43 10.22 8.12 7.86 5.85 6.31 6.07
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 253 290 -1,924 257 251 357 348 571 566 566
Invested Capital Turnover		 0.33 0.29 -0.10 0.38 0.36 0.28 -0.11 0.23 0.26 0.25
Increase / (Decrease) in Invested Capital		 1.67 2.96 -2,155 38 -2.02 67 2,273 314 315 209
Enterprise Value (EV)		 247 319 170 114 155 352 304 455 414 450
Market Capitalization		 194 234 228 173 159 256 229 344 361 367
Book Value per Share		 $13.55 $14.89 $15.49 $15.94 $15.38 $17.53 $17.89 $18.56 $19.19 $19.14
Tangible Book Value per Share		 $8.95 $10.30 $10.91 $11.36 $10.83 $12.97 $13.35 $13.45 $14.10 $13.54
Total Capital		 253 290 252 257 251 357 348 571 566 566
Total Debt		 95 116 70 70 70 150 137 220 202 203
Total Long-Term Debt		 70 116 70 70 70 150 70 220 202 203
Net Debt		 53 84 -59 -59 -4.87 96 76 111 53 83
Capital Expenditures (CapEx)		 0.03 0.23 0.21 3.05 1.35 4.40 0.44 0.44 2.53 1.63
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.78 0.00 0.00
Net Nonoperating Obligations (NNO)		 95 116 -2,106 70 70 150 137 220 202 203
Total Depreciation and Amortization (D&A)		 2.47 2.11 2.46 2.41 2.40 2.30 1.68 1.41 -0.39 -0.46
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.55 $0.65 $0.60 $0.54 $0.54 $0.49 $0.31 ($0.33) $0.18 $0.29
Adjusted Weighted Average Basic Shares Outstanding		 11.68M 11.75M 11.70M 11.72M 11.74M 11.83M 11.75M 18.81M 18.84M 19.05M
Adjusted Diluted Earnings per Share		 $0.55 $0.65 $0.59 $0.54 $0.54 $0.50 $0.31 ($0.33) $0.18 $0.29
Adjusted Weighted Average Diluted Shares Outstanding		 11.69M 11.75M 11.73M 11.74M 11.76M 11.83M 11.79M 18.94M 18.97M 19.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.73M 11.75M 11.75M 11.81M 11.81M 11.83M 18.87M 18.94M 18.95M 19.05M
Normalized Net Operating Profit after Tax (NOPAT)		 6.38 7.63 6.97 6.28 6.39 5.89 3.68 -5.51 3.39 6.90
Normalized NOPAT Margin		 29.50% 33.24% 30.10% 28.82% 28.90% 26.33% 17.75% -18.10% 10.81% 20.09%
Pre Tax Income Margin		 38.56% 44.90% 40.24% 38.24% 38.39% 34.39% 23.18% -25.86% 13.28% 28.88%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 10.08 7.62 3.64 1.44 1.43 1.35 0.73 -0.53 0.28 0.74
NOPAT to Interest Expense		 7.71 5.64 2.72 1.09 1.08 1.03 0.56 -0.37 0.22 0.51
EBIT Less CapEx to Interest Expense		 10.04 7.44 3.56 0.91 1.20 0.58 0.67 -0.56 0.11 0.62
NOPAT Less CapEx to Interest Expense		 7.67 5.47 2.64 0.56 0.85 0.26 0.49 -0.40 0.06 0.39
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 21.93% 21.16% 20.43% 20.66% 20.70% 22.15% 25.47% 67.43% 110.67% 107.36%
Augmented Payout Ratio		 54.55% 46.73% 28.88% 20.67% 20.70% 22.16% 25.48% 67.62% 111.24% 107.85%

Financials Breakdown Chart

Key Financial Trends

Community West Bancshares (NASDAQ:CWBC) has shown several significant financial trends over the past four years, up to Q4 2024, that retail investors should consider when evaluating the company's performance and outlook.

  • Steady Growth in Loans and Leases Interest Income: The loans and leases interest income increased from $16.2 million in Q4 2022 to $38.2 million in Q4 2024, indicating a growing loan portfolio or higher yielding loans, which supports core revenue growth.
  • Improving Net Interest Income: Net interest income rose from $21.9 million in Q4 2022 to $32.0 million in Q4 2024, which reflects effective interest rate management and asset growth.
  • Net Income Growth Over Last Year: The net income increased from $5.9 million in Q4 2023 to $6.9 million in Q4 2024, nearly doubling the quarterly earnings compared to Q3 2024 ($3.4 million), signaling improved profitability.
  • Dividend Stability: Community West Bancshares has consistently paid quarterly dividends of $0.12 per share throughout the periods, indicating a stable return to shareholders.
  • Controlled Operating Expenses: Although total non-interest expenses are significant (e.g., $23.2 million in Q4 2024), expenses such as salaries and occupancy remain relatively stable, showing some cost discipline despite revenue growth.
  • Fluctuating Provision for Credit Losses: The provision for credit losses has varied widely—from a benefit of approximately $5.2 million in Q3 2024 to a charge of $12.25 million in Q4 2024 and a large charge in Q2 2024—highlighting some volatility or changing credit quality.
  • Investment Securities Interest Income Volatility: Interest income from investment securities fluctuated from $6.9 million in Q1 2024 down to $5.9 million in Q4 2024, which could reflect changes in investment portfolio yields or composition.
  • Large Swings in Cash Flows from Financing Activities: Financing activities cash flows have been highly variable, with large issuances and repayments of debt each quarter, suggesting active capital management strategies.
  • Significant Negative Net Cash Flow Trend Recently: The company experienced a negative net change in cash and equivalents of $28.6 million in Q4 2024, compared to a positive $39.3 million in Q3 2024, primarily due to cash used in investing and financing activities, which could pressure liquidity.
  • Accumulated Other Comprehensive Loss Increasing: Accumulated other comprehensive income (loss) has been a negative drag on equity, reaching approximately -$49.0 million by Q3 2024 and indicating unrealized losses likely from investment securities or other comprehensive income items.

Summary: Community West Bancshares has demonstrated growing core interest income and net interest margin with improving profitability in recent quarters. However, the company faces challenges such as variability in credit loss provisions and fluctuations in cash flow due to aggressive investing and financing activities. Investors should keep an eye on liquidity trends and credit quality indicators going forward.

10/06/25 03:37 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Community West Bancshares' Financials

When does Community West Bancshares' financial year end?

According to the most recent income statement we have on file, Community West Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Community West Bancshares' net income changed over the last 2 years?

Community West Bancshares' net income appears to be on a downward trend, with a most recent value of $7.67 million in 2024, falling from $26.65 million in 2022. The previous period was $25.54 million in 2023. See Community West Bancshares' forecast for analyst expectations on what’s next for the company.

How has Community West Bancshares' revenue changed over the last 2 years?

Over the last 2 years, Community West Bancshares' total revenue changed from $84.62 million in 2022 to $116.81 million in 2024, a change of 38.0%.

How much debt does Community West Bancshares have?

Community West Bancshares' total liabilities were at $3.16 billion at the end of 2024, a 41.9% increase from 2023, and a 40.5% increase since 2022.

How much cash does Community West Bancshares have?

In the past 2 years, Community West Bancshares' cash and equivalents has ranged from $25.49 million in 2022 to $30.02 million in 2023, and is currently $28.03 million as of their latest financial filing in 2024.

How has Community West Bancshares' book value per share changed over the last 2 years?

Over the last 2 years, Community West Bancshares' book value per share changed from 14.89 in 2022 to 19.14 in 2024, a change of 28.6%.


Related Companies

This page (NASDAQ:CWBC) was last updated on 10/6/2025 by MarketBeat.com Staff
From Our Partners
Arizona-made nanochips the new millionaire maker?
George Gilder handed President Reagan the first microchip that helped create $6.5 trillion in wealth over the ...
Banyan Hill Publishing | Sponsoredtc pixel
Trump’s new nightmare begins
Porter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...
Porter & Company | Sponsoredtc pixel
The Dollar’s Crashing—What Are You Doing About It?
The U.S. dollar is down 10.8%—its steepest drop since 1973. As global confidence in the dollar fades, centr...
Lear Capital | Sponsoredtc pixel
Magnificent 7 being replaced by the “Hidden 7”?
BULLISH: It's time to buy this 'hidden' AI stock An award-winning stock-rating system has turned BULLISH on...
Chaikin Analytics | Sponsoredtc pixel
URGENT: The Market's 3 Red Flags Are Flashing
Here’s the uncomfortable truth: The smartest investors in the world are already preparing for a crash befor...
StockEarnings | Sponsoredtc pixel
INVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting Off
Right now, we’re witnessing a monumental shift in the world.
Traders Agency | Sponsoredtc pixel
Gold surges past $3,600 … but this has beat gold by 1,000x
Gold has surged past $3,600 an ounce — up 45% in the past year — but one veteran metals analyst says the real ...
Weiss Ratings | Sponsoredtc pixel
Is Nvidia about to Trigger Another 150X Opportunity?
Nvidia gave investors a chance to make more than 150 times their money with its AI chips, known as graphics pr...
InvestorPlace | Sponsoredtc pixel