Community West Bancshares (CWBC) Financials

$17.88 +0.02 (+0.11%)

Closing price 05/30/2025 04:00 PM Eastern

Extended Trading

$17.78 -0.10 (-0.56%)

As of 05/30/2025 04:04 PM Eastern

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Community West Bancshares' Financials

When does Community West Bancshares's 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. Find out what analysts predict for Community West Bancshares in the coming months.

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%.

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This page (NASDAQ:CWBC) was last updated on 5/31/2025 by MarketBeat.com Staff

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Community West Bancshares (CWBC) Financials

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Community West Bancshares (CWBC) Financials

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