Go Pro
→ If you keep cash in a U.S. bank account… read this NOW (From Banyan Hill Publishing) (Ad)tc pixel Free CWBC Stock Alerts

Community West Bancshares (CWBC) Financials

Community West Bancshares logo
$26.77 +0.41 (+1.56%)
As of 09/25/2026 04:00 PM Eastern
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 5.29 11 15 14 21 21 20 28 27 26 7.67
Consolidated Net Income / (Loss)		 5.29 11 15 14 21 21 20 28 27 26 7.67
Net Income / (Loss) Continuing Operations		 5.29 11 15 14 21 21 20 28 27 26 7.67
Total Pre-Tax Income 		4.72 14 22 24 28 30 27 38 35 34 11
Total Revenue		 48 50 55 67 73 77 78 82 85 89 117
Net Interest Income / (Expense)		 40 41 46 56 63 64 64 73 80 82 110
Total Interest Income		 41 42 47 57 64 66 66 74 83 102 160
Loans and Leases Interest Income		 29 31 34 44 50 51 52 54 56 70 130
Investment Securities Interest Income		 11 11 12 13 14 14 14 20 27 29 26
Deposits and Money Market Investments Interest Income		 0.18 0.21 0.29 0.42 0.46 0.38 0.25 0.13 0.39 3.58 4.36
Total Interest Expense		 1.16 1.05 1.10 1.14 1.48 2.56 1.60 1.30 3.42 20 50
Deposits Interest Expense		 1.06 0.95 0.98 0.97 1.15 1.93 1.47 1.04 1.20 16 41
Short-Term Borrowings Interest Expense		 - - - - - - - - 0.25 0.81 5.69
Long-Term Debt Interest Expense		 0.10 0.10 0.12 0.15 0.20 0.21 0.13 0.00 1.97 3.65 3.67
Total Non-Interest Income		 8.16 9.39 9.59 11 10 13 14 9.01 5.05 7.02 6.45
Other Service Charges		 6.32 6.72 6.62 6.97 7.26 6.92 8.51 7.34 5.42 5.99 8.52
Net Realized & Unrealized Capital Gains on Investments		 0.90 1.50 1.92 2.80 1.78 5.20 4.25 0.51 -1.72 -0.51 -4.19
Other Non-Interest Income		 0.94 1.18 1.05 1.06 1.29 1.18 1.03 1.16 1.35 1.53 2.12
Provision for Credit Losses		 7.99 0.60 -5.85 -1.15 0.05 1.03 3.28 -4.44 1.00 0.31 11
Total Non-Interest Expense		 35 36 39 44 45 46 48 48 48 55 95
Salaries and Employee Benefits		 20 21 22 25 26 27 29 29 29 31 48
Net Occupancy & Equipment Expense		 6.66 5.81 6.46 7.74 8.75 9.61 9.06 10 11 12 19
Marketing Expense		 0.59 0.61 0.58 0.64 0.76 0.76 0.66 0.53 0.56 0.54 0.85
Other Operating Expenses		 8.04 8.44 8.07 9.22 8.67 8.39 8.66 7.93 7.84 10 16
Amortization Expense		 0.34 0.32 0.15 0.23 0.46 0.70 0.70 0.66 0.45 0.07 0.75
Restructuring Charge		 0.00 0.00 1.78 1.83 0.22 - - - 0.00 1.19 9.61
Income Tax Expense		 -0.57 2.58 6.92 9.79 6.62 8.51 6.91 9.62 8.50 8.30 3.33
Basic Earnings per Share		 $0.48 $1.00 $1.34 $1.12 $1.55 $1.60 $1.62 $2.32 $2.27 $2.17 $0.45
Weighted Average Basic Shares Outstanding		 10.92M 10.93M 11.33M 12.47M 13.70M 12.71M 12.52M 11.82M 11.75M 11.83M 19.05M
Diluted Earnings per Share		 $0.48 $1.00 $1.33 $1.10 $1.54 $1.59 $1.62 $2.31 $2.27 $2.17 $0.45
Weighted Average Diluted Shares Outstanding		 10.92M 10.93M 11.33M 12.47M 13.70M 12.71M 12.52M 11.82M 11.75M 11.83M 19.05M
Weighted Average Basic & Diluted Shares Outstanding		 10.92M 10.93M 11.33M 12.47M 13.70M 12.71M 12.52M 11.82M 11.75M 11.83M 19.05M
Cash Dividends to Common per Share		 $0.20 $0.18 $0.24 $0.24 $0.31 $0.43 $0.44 $0.47 $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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 6.39 5.89 3.68 -6.29 3.39 6.90 8.29 7.83 11 11 2.70
Consolidated Net Income / (Loss)		 6.39 5.89 3.68 -6.29 3.39 6.90 8.29 7.83 11 11 2.70
Net Income / (Loss) Continuing Operations		 6.39 5.89 3.68 -6.29 3.39 6.90 8.29 7.83 11 11 2.70
Total Pre-Tax Income 		8.49 7.70 4.80 -7.88 4.16 9.91 11 11 15 16 4.16
Total Revenue		 22 22 21 30 31 34 35 36 38 39 49
Net Interest Income / (Expense)		 21 20 19 29 30 32 32 33 35 36 51
Total Interest Income		 26 26 26 44 45 45 45 46 47 48 66
Loans and Leases Interest Income		 18 18 18 36 37 38 38 40 40 42 59
Investment Securities Interest Income		 7.29 7.22 6.90 6.72 6.33 5.92 5.66 5.43 5.36 5.14 6.39
Deposits and Money Market Investments Interest Income		 1.48 0.65 0.43 1.08 1.54 1.31 1.06 1.05 1.15 0.85 1.10
Total Interest Expense		 5.94 5.71 6.55 15 15 13 13 13 12 12 15
Deposits Interest Expense		 5.02 4.64 5.02 12 12 11 10 11 11 11 14
Long-Term Debt Interest Expense		 0.92 0.26 1.54 2.67 2.58 -3.12 2.57 2.18 1.16 1.05 1.48
Total Non-Interest Income		 1.58 2.27 1.64 1.40 1.11 2.30 2.61 2.36 2.97 2.79 -1.97
Other Service Charges		 1.62 0.94 2.01 3.37 2.96 0.18 2.61 2.38 2.99 2.79 3.93
Net Realized & Unrealized Capital Gains on Investments		 -0.04 -0.21 -0.37 -1.97 -1.85 0.01 - -0.02 -0.03 - -5.90
Provision for Credit Losses		 0.19 -0.17 0.58 9.83 -0.52 1.23 -0.04 2.61 0.67 0.09 5.64
Total Non-Interest Expense		 13 15 15 29 28 23 23 22 22 23 39
Salaries and Employee Benefits		 7.47 7.88 8.64 13 14 13 13 12 13 13 16
Net Occupancy & Equipment Expense		 1.49 7.95 1.54 2.42 2.69 13 2.83 2.79 2.93 2.86 3.80
Other Operating Expenses		 4.47 -2.78 5.15 13 11 -13 7.68 7.24 6.71 7.37 19
Income Tax Expense		 2.10 1.80 1.13 -1.59 0.78 3.02 3.07 2.93 4.20 4.23 1.47
Basic Earnings per Share		 $0.54 $0.49 $0.31 ($0.33) $0.18 $0.29 $0.44 $0.41 $0.57 $0.60 $0.10
Weighted Average Basic Shares Outstanding		 11.74M 11.83M 11.75M 18.81M 18.84M 19.05M 18.93M 18.99M 19.02M 19.06M 27.05M
Diluted Earnings per Share		 $0.54 $0.50 $0.31 ($0.33) $0.18 $0.29 $0.44 $0.41 $0.57 $0.60 $0.10
Weighted Average Diluted Shares Outstanding		 11.76M 11.83M 11.79M 18.94M 18.97M 19.05M 19.01M 19.04M 19.09M 19.14M 27.11M
Weighted Average Basic & Diluted Shares Outstanding		 11.81M 11.83M 18.87M 18.94M 18.95M 19.05M 19.06M 19.13M 19.16M 27.13M 27.13M
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 $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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -35 17 -56 62 -69 21 18 93 -132 23 67
Net Cash From Operating Activities		 17 18 13 25 30 22 17 43 24 28 22
Net Cash From Continuing Operating Activities		 17 18 13 25 30 22 17 43 24 28 22
Net Income / (Loss) Continuing Operations		 5.29 11 15 14 21 21 20 28 27 26 7.67
Consolidated Net Income / (Loss)		 5.29 11 15 14 21 21 20 28 27 26 7.67
Provision For Loan Losses		 7.99 0.60 -5.85 -1.15 0.05 1.03 3.28 -4.44 1.00 0.31 11
Depreciation Expense		 1.36 1.39 1.32 1.43 1.70 1.74 0.88 0.90 0.76 0.89 2.21
Amortization Expense		 6.63 6.56 5.92 7.66 5.56 4.56 3.30 6.70 9.14 8.68 0.03
Non-Cash Adjustments to Reconcile Net Income		 -1.21 -2.21 -2.27 -3.04 -1.99 -6.29 -9.63 2.70 -0.01 -1.56 1.93
Changes in Operating Assets and Liabilities, net		 -2.89 0.21 -1.30 6.29 3.21 -0.76 -1.18 8.60 -14 -6.33 -0.75
Net Cash From Investing Activities		 -85 -75 -68 46 39 -21 -373 -365 -197 25 64
Net Cash From Continuing Investing Activities		 -85 -75 -68 46 39 -21 -373 -365 -197 25 64
Purchase of Property, Leasehold Improvements and Equipment		 -1.33 -0.74 -0.86 -0.86 -0.79 -0.88 -1.49 -1.05 -0.36 -9.81 -5.04
Purchase of Investment Securities		 -217 -224 -309 -252 -246 -328 -694 -445 -518 -36 -56
Sale of Property, Leasehold Improvements and Equipment		 0.36 0.00 0.01 - 0.00 0.00 0.01 0.01 0.02 3.26 0.02
Sale and/or Maturity of Investments		 133 149 228 273 286 308 323 81 322 67 126
Net Cash From Financing Activities		 33 75 -0.72 -9.90 -138 20 373 415 41 -29 -20
Net Cash From Continuing Financing Activities		 33 75 -0.72 -9.90 -138 20 373 415 41 -29 -20
Net Change in Deposits		 35 77 1.33 -2.37 -143 51 389 400 -23 -58 23
Issuance of Debt		 0.00 0.00 0.40 0.00 588 728 0.00 34 2,483 3,528 972
Repayment of Debt		 - 0.00 0.00 -7.40 -578 -738 0.00 0.00 -2,407 -3,494 -1,007
Repurchase of Common Equity		 - - - - -0.89 -16 -11 -14 -6.81 -0.00 -0.04
Payment of Dividends		 -2.19 -1.98 -2.72 -3.01 -4.27 -5.81 -5.53 -5.76 -5.64 -5.66 -8.23
Other Financing Activities, Net		 0.06 0.07 0.26 2.88 0.95 0.49 0.48 0.46 0.71 0.21 0.71
Cash Interest Paid		 1.17 1.06 1.05 1.17 1.46 2.52 1.71 1.17 2.83 20 49
Cash Income Taxes Paid		 1.36 1.87 5.84 4.72 2.70 9.14 5.12 8.16 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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -54 -21 7.23 49 39 -29 28 -14 -13 11 77
Net Cash From Operating Activities		 7.96 4.09 4.02 6.32 11 0.92 11 12 13 11 20
Net Cash From Continuing Operating Activities		 7.96 4.09 4.02 6.32 11 0.92 11 12 13 11 20
Net Income / (Loss) Continuing Operations		 6.39 5.89 3.68 -6.29 3.39 6.90 8.29 7.83 11 11 2.70
Consolidated Net Income / (Loss)		 6.39 5.89 3.68 -6.29 3.39 6.90 8.29 7.83 11 11 2.70
Provision For Loan Losses		 0.19 -0.17 0.58 9.83 -0.52 1.22 -0.04 2.61 0.67 0.09 5.64
Depreciation Expense		 0.14 0.44 0.38 0.56 0.59 0.68 0.81 0.81 0.83 0.83 1.34
Amortization Expense		 2.25 1.86 1.26 0.85 -0.98 -1.14 0.24 -0.26 1.73 0.29 -1.05
Non-Cash Adjustments to Reconcile Net Income		 -0.55 -0.32 -0.16 1.33 1.30 -0.53 -0.48 -0.48 -0.80 -0.71 4.99
Changes in Operating Assets and Liabilities, net		 -0.47 -3.62 -1.71 0.05 7.19 -6.20 2.25 1.01 -0.09 -1.07 5.96
Net Cash From Investing Activities		 -9.22 3.67 28 53 -1.84 -14 0.80 -40 -39 -4.42 0.07
Net Cash From Continuing Investing Activities		 -9.22 3.67 28 53 -1.84 -14 0.80 -40 -39 -4.42 0.07
Purchase of Property, Leasehold Improvements and Equipment		 -1.35 -5.20 -0.44 -0.44 -2.53 -1.63 -0.32 -0.96 -0.42 -2.72 -2.11
Purchase of Investment Securities		 -21 -16 3.66 -49 -41 30 -9.21 -56 -51 -12 -229
Sale of Property, Leasehold Improvements and Equipment		 - 0.79 0.00 - - - 0.12 - - 0.00 0.05
Sale and/or Maturity of Investments		 11 24 25 43 41 16 10 16 13 9.89 172
Net Cash From Financing Activities		 -53 -29 -25 -10 30 -15 16 15 13 4.84 57
Net Cash From Continuing Financing Activities		 -53 -29 -25 -10 30 -15 16 15 13 4.84 57
Net Change in Deposits		 -51 -107 -10 -5.98 52 -13 18 66 81 46 -81
Issuance of Debt		 - 182 331 384 125 133 178 273 428 1,215 2,303
Repayment of Debt		 - -102 -344 -386 -145 -133 -178 -322 -494 -1,254 -2,162
Repurchase of Common Equity		 - - 0.00 -0.02 -0.02 - -0.08 -0.07 - -0.06 -0.17
Payment of Dividends		 -1.42 -1.42 -1.42 -2.27 -2.27 -2.27 -2.28 -2.29 -2.30 -2.30 -3.26
Other Financing Activities, Net		 0.04 0.04 0.07 0.14 0.11 0.39 0.93 0.07 0.13 0.42 0.12
Cash Interest Paid		 5.56 5.83 5.79 13 16 14 13 13 11 11 14

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,277 1,443 1,662 1,538 1,597 2,004 2,450 2,423 2,433 3,522 3,690
Cash and Due from Banks		 23 28 38 25 24 34 29 25 30 28 28
Interest Bearing Deposits at Other Banks		 71 10 62 6.77 28 36 134 5.69 24 92 91
Trading Account Securities		 509 548 543 471 478 718 1,117 960 906 785 763
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 -13 -9.60 -11 1,276 2,308 2,511
Accrued Investment Income		 19 30 26 25 32 29 33 77 81 113 103
Premises and Equipment, Net		 9.29 9.41 9.40 8.48 7.62 8.23 8.38 7.99 14 24 24
Goodwill		 30 40 54 54 54 54 54 54 54 97 97
Intangible Assets		 1.02 1.38 3.03 2.57 1.88 1.18 0.52 - 0.00 9.27 8.27
Other Assets		 26 29 35 35 36 34 45 47 49 64 65
Total Liabilities & Shareholders' Equity		 1,277 1,443 1,662 1,538 1,597 2,004 2,450 2,423 2,433 3,522 3,690
Total Liabilities		 1,137 1,279 1,452 1,318 1,369 1,759 2,202 2,248 2,226 3,159 3,281
Non-Interest Bearing Deposits		 429 496 585 551 595 825 964 1,057 952 981 1,059
Interest Bearing Deposits		 687 760 841 732 739 898 1,159 1,043 1,090 1,930 2,037
Accrued Interest Payable		 16 18 21 21 30 31 40 33 35 45 43
Long-Term Debt		 5.16 5.56 5.16 15 5.16 5.16 39 116 150 203 143
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 139 164 210 220 228 245 248 175 207 363 410
Total Preferred & Common Equity		 139 164 210 220 228 245 248 175 207 363 410
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 139 164 210 220 228 245 248 175 207 363 410
Common Stock		 54 72 103 104 89 79 67 61 63 208 210
Retained Earnings		 80 93 103 120 136 151 173 194 211 210 239
Accumulated Other Comprehensive Income / (Loss)		 4.46 -0.52 2.83 -4.41 2.82 15 7.63 -81 -66 -55 -40

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 2,464 2,490 2,435 2,416 3,485 3,531 3,553 3,577 3,612 3,703 5,034
Cash and Due from Banks		 90 28 28 25 26 44 36 48 40 38 73
Interest Bearing Deposits at Other Banks		 39 100 47 36 83 105 113 86 82 92 134
Trading Account Securities		 638 930 903 883 840 813 777 767 767 756 856
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 2,232 2,272 2,321 2,371 2,422 2,521 3,494
Accrued Investment Income		 79 78 86 83 123 115 113 110 109 100 156
Premises and Equipment, Net		 8.04 11 9.70 14 22 24 24 24 24 25 39
Goodwill		 54 54 54 54 96 96 97 97 97 97 155
Intangible Assets		 - - - - - - 9.02 8.77 8.52 8.02 33
Other Assets		 47 48 48 49 62 62 65 65 65 66 94
Total Liabilities & Shareholders' Equity		 2,464 2,490 2,435 2,416 3,485 3,531 3,553 3,577 3,612 3,703 5,034
Total Liabilities		 4,458 2,302 2,254 2,204 3,134 3,168 3,181 3,197 3,215 3,284 4,426
Non-Interest Bearing Deposits		 3,151 957 991 911 1,076 1,076 1,012 1,035 1,092 1,048 1,451
Interest Bearing Deposits		 1,200 1,243 1,158 1,120 1,793 1,845 1,916 1,960 1,984 2,094 2,668
Accrued Interest Payable		 36 32 35 36 45 44 48 46 49 39 57
Long-Term Debt		 70 70 70 70 220 202 204 156 90 103 250
Commitments & Contingencies		 - - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 182 187 182 212 350 364 372 380 398 419 608
Total Preferred & Common Equity		 182 187 182 212 350 364 372 380 398 419 608
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 182 187 182 212 350 364 372 380 398 419 608
Common Stock		 62 62 62 63 207 207 209 209 210 211 396
Retained Earnings		 196 201 206 213 204 205 216 222 230 248 248
Accumulated Other Comprehensive Income / (Loss)		 -76 -76 -87 -64 -61 -49 -53 -51 -42 -40 -35

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 16.39% 4.40% 9.99% 21.58% 8.87% 5.55% 1.48% 4.27% 3.75% 5.71% 30.59%
EBITDA Growth		 -32.27% 69.15% 36.48% 12.17% 6.87% 3.09% -13.29% 45.09% -1.26% -3.61% -69.51%
EBIT Growth		 -50.78% 186.75% 63.14% 7.78% 17.17% 7.32% -8.98% 39.46% -7.57% -3.70% -67.50%
NOPAT Growth		 -35.83% 107.10% 38.47% -7.61% 51.78% 0.72% -5.11% 39.58% -6.18% -4.16% -69.98%
Net Income Growth		 -35.83% 107.10% 38.47% -7.61% 51.78% 0.72% -5.11% 39.58% -6.18% -4.16% -69.98%
EPS Growth		 -37.66% 108.33% 33.00% -17.29% 40.00% 3.25% 1.89% 42.59% -1.73% -4.41% -79.26%
Operating Cash Flow Growth		 10.07% 2.10% -25.80% 94.00% 18.61% -27.38% -21.78% 152.24% -44.76% 16.28% -19.34%
Free Cash Flow Firm Growth		 -157.82% 147.06% -469.62% -213.26% 103.57% 1,976.85% -85.02% -352.52% 371.55% -273.16% -391.41%
Invested Capital Growth		 8.79% 6.08% 17.38% 26.61% 9.40% -0.69% 7.24% 14.84% 1.03% 22.93% 58.63%
Revenue Q/Q Growth		 1.97% 0.87% 4.74% 3.86% 1.21% -0.75% 2.79% 1.97% 1.78% -0.65% 11.39%
EBITDA Q/Q Growth		 -37.76% 63.44% 2.12% 0.81% 6.31% -2.34% 6.47% 2.16% 4.74% -3.18% -6.19%
EBIT Q/Q Growth		 -62.09% 175.55% 2.72% 1.27% 10.14% -2.60% 12.69% -0.03% 3.19% -7.17% 25.25%
NOPAT Q/Q Growth		 -46.37% 92.52% -1.91% -13.95% 30.27% -3.74% 14.84% -0.84% 3.08% -6.38% 15.02%
Net Income Q/Q Growth		 -46.37% 92.52% -1.91% -13.95% 30.27% -3.74% 14.84% -0.84% 3.08% -6.38% 15.02%
EPS Q/Q Growth		 -46.67% 92.31% -5.67% -15.38% 33.91% -2.45% 16.55% 0.00% 3.65% -6.47% -31.82%
Operating Cash Flow Q/Q Growth		 0.88% -7.43% -5.36% 8.67% 11.83% -10.94% 43.70% 1.44% -4.24% -18.29% -13.59%
Free Cash Flow Firm Q/Q Growth		 -252.99% 114.02% -192.78% -261.17% 107.00% 1,032.56% -82.83% -148.80% -2.03% -240.00% 34.53%
Invested Capital Q/Q Growth		 -1.42% 1.31% 5.02% 15.20% 7.46% -4.13% 3.84% 14.14% 14.56% 41.95% 0.02%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 26.45% 42.85% 53.18% 49.06% 48.16% 47.04% 40.19% 55.93% 53.22% 48.53% 11.33%
EBIT Margin		 9.83% 27.00% 40.06% 35.51% 38.22% 38.86% 34.85% 46.61% 41.53% 37.83% 9.42%
Profit (Net Income) Margin		 11.02% 21.86% 27.52% 20.91% 29.15% 27.82% 26.01% 34.82% 31.49% 28.55% 6.56%
Tax Burden Percent		 112.07% 80.94% 68.70% 58.89% 76.28% 71.59% 74.64% 74.71% 75.82% 75.46% 69.70%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -12.07% 19.06% 31.30% 41.11% 23.72% 28.41% 25.36% 25.29% 24.18% 24.54% 30.30%
Return on Invested Capital (ROIC)		 4.05% 7.81% 9.67% 7.30% 9.47% 9.16% 8.42% 10.57% 9.23% 7.89% 1.66%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.05% 7.81% 9.67% 7.30% 9.47% 9.16% 8.42% 10.57% 9.23% 7.89% 1.66%
Return on Net Nonoperating Assets (RNNOA)		 0.17% 0.30% 0.34% 0.21% 0.45% 0.42% 0.18% 0.96% 3.39% 5.49% 1.03%
Return on Equity (ROE)		 4.22% 8.11% 10.01% 7.51% 9.92% 9.58% 8.60% 11.52% 12.61% 13.38% 2.69%
Cash Return on Invested Capital (CROIC)		 -4.37% 1.91% -6.32% -16.19% 0.49% 9.85% 1.43% -3.25% 8.20% -12.68% -43.68%
Operating Return on Assets (OROA)		 0.40% 1.10% 1.62% 1.53% 1.74% 1.91% 1.51% 1.71% 1.44% 1.39% 0.37%
Return on Assets (ROA)		 0.45% 0.89% 1.12% 0.90% 1.33% 1.37% 1.13% 1.28% 1.09% 1.05% 0.26%
Return on Common Equity (ROCE)		 4.22% 8.11% 10.01% 7.51% 9.92% 9.58% 8.60% 11.52% 12.61% 13.38% 2.69%
Return on Equity Simple (ROE_SIMPLE)		 4.04% 7.87% 9.26% 6.69% 9.69% 9.40% 8.30% 11.46% 15.26% 12.33% 2.11%
Net Operating Profit after Tax (NOPAT)		 5.29 11 15 14 21 21 20 28 27 26 7.67
NOPAT Margin		 11.02% 21.86% 27.52% 20.91% 29.15% 27.82% 26.01% 34.82% 31.49% 28.55% 6.56%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.12% 54.33% 52.42% 49.38% 48.93% 48.03% 49.00% 48.30% 47.50% 49.05% 58.63%
Operating Expenses to Revenue		 73.55% 71.80% 70.55% 66.20% 61.71% 59.81% 60.96% 58.82% 57.30% 61.82% 81.07%
Earnings before Interest and Taxes (EBIT)		 4.72 14 22 24 28 30 27 38 35 34 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 21 29 33 35 36 31 46 45 43 13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.74 0.77 1.15 1.01 1.00 1.05 0.68 0.91 1.34 1.24 1.01
Price to Tangible Book Value (P/TBV)		 0.97 0.99 1.54 1.38 1.35 1.39 0.88 1.16 1.94 1.67 1.43
Price to Revenue (P/Rev)		 2.02 2.14 3.41 3.15 3.02 3.11 2.14 2.76 2.77 2.86 3.14
Price to Earnings (P/E)		 18.34 9.78 12.38 15.08 10.36 11.20 8.22 7.94 8.80 10.03 47.84
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.41% 2.22% 2.49%
Earnings Yield		 5.45% 10.22% 8.08% 6.63% 9.65% 8.93% 12.17% 12.60% 11.37% 9.97% 2.09%
Enterprise Value to Invested Capital (EV/IC)		 0.18 0.12 0.91 0.54 0.87 0.83 0.41 0.35 1.10 0.99 0.79
Enterprise Value to Revenue (EV/Rev)		 0.52 0.35 2.81 1.73 2.79 2.50 1.31 1.24 3.77 3.94 3.85
Enterprise Value to EBITDA (EV/EBITDA)		 1.96 0.83 5.28 3.53 5.80 5.31 3.25 2.22 7.08 8.11 33.97
Enterprise Value to EBIT (EV/EBIT)		 5.27 1.31 7.01 4.88 7.31 6.43 3.74 2.67 9.07 10.41 40.89
Enterprise Value to NOPAT (EV/NOPAT)		 4.71 1.62 10.20 8.29 9.58 8.98 5.02 3.57 11.97 13.79 58.66
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.45 1.02 11.92 4.61 6.82 8.87 6.01 2.37 13.47 12.80 20.25
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 6.63 0.00 0.00 183.80 8.36 29.55 0.00 13.46 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.04 0.04 0.03 0.02 0.07 0.02 0.02 0.16 0.66 0.72 0.56
Long-Term Debt to Equity		 0.04 0.04 0.03 0.02 0.07 0.02 0.02 0.16 0.66 0.72 0.56
Financial Leverage		 0.04 0.04 0.04 0.03 0.05 0.05 0.02 0.09 0.37 0.70 0.62
Leverage Ratio		 9.31 9.13 8.97 8.31 7.45 7.00 7.61 9.04 11.53 12.72 10.45
Compound Leverage Factor		 9.31 9.13 8.97 8.31 7.45 7.00 7.61 9.04 11.53 12.72 10.45
Debt to Total Capital		 3.78% 3.57% 3.28% 2.40% 6.45% 2.21% 2.06% 13.73% 39.83% 41.97% 35.92%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 3.78% 3.57% 3.28% 2.40% 6.45% 2.21% 2.06% 13.73% 39.83% 41.97% 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% 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% 0.00%
Common Equity to Total Capital		 96.22% 96.43% 96.72% 97.60% 93.55% 97.79% 97.94% 86.27% 60.17% 58.03% 64.08%
Debt to EBITDA		 0.41 0.24 0.19 0.16 0.43 0.14 0.16 0.87 2.57 3.45 15.36
Net Debt to EBITDA		 -5.68 -4.16 -1.13 -2.89 -0.47 -1.31 -2.07 -2.72 1.87 2.21 6.26
Long-Term Debt to EBITDA		 0.41 0.24 0.19 0.16 0.43 0.14 0.16 0.87 2.57 3.45 15.36
Debt to NOPAT		 0.97 0.47 0.37 0.37 0.71 0.24 0.25 1.39 4.34 5.86 26.52
Net Debt to NOPAT		 -13.63 -8.16 -2.17 -6.79 -0.78 -2.21 -3.20 -4.37 3.17 3.76 10.82
Long-Term Debt to NOPAT		 0.97 0.47 0.37 0.37 0.71 0.24 0.25 1.39 4.34 5.86 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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -5.71 2.69 -9.93 -31 1.11 23 3.45 -8.72 24 -41 -202
Operating Cash Flow to CapEx		 1,777.93% 2,364.10% 1,522.13% 2,935.74% 3,781.42% 2,479.57% 1,143.34% 4,120.67% 6,822.19% 420.64% 442.54%
Free Cash Flow to Firm to Interest Expense		 -4.94 2.57 -9.06 -27.35 0.75 9.01 2.17 -6.70 6.92 -2.05 -4.03
Operating Cash Flow to Interest Expense		 14.84 16.73 11.86 22.18 20.16 8.49 10.65 32.91 6.92 1.38 0.44
Operating Cash Flow Less CapEx to Interest Expense		 14.01 16.02 11.08 21.42 19.62 8.15 9.72 32.12 6.82 1.05 0.34
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.05 0.04 0.04 0.03 0.04 0.04
Fixed Asset Turnover		 4.69 5.21 5.90 7.13 8.17 9.57 9.87 9.82 10.34 8.12 6.07
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 136 144 170 215 235 233 250 287 290 357 566
Invested Capital Turnover		 0.37 0.36 0.35 0.35 0.32 0.33 0.32 0.30 0.29 0.28 0.25
Increase / (Decrease) in Invested Capital		 11 8.28 25 45 20 -1.61 17 37 2.96 67 209
Enterprise Value (EV)		 25 18 155 116 204 193 102 101 319 352 450
Market Capitalization		 97 107 188 212 221 240 167 225 234 256 367
Book Value per Share		 $11.94 $12.67 $13.51 $15.43 $15.93 $17.28 $19.59 $20.67 $14.89 $17.53 $19.14
Tangible Book Value per Share		 $9.09 $9.86 $10.08 $11.25 $11.84 $13.07 $15.20 $16.15 $10.30 $12.97 $13.54
Total Capital		 136 144 170 215 235 233 250 287 290 357 566
Total Debt		 5.16 5.16 5.56 5.16 15 5.16 5.16 39 116 150 203
Total Long-Term Debt		 5.16 5.16 5.56 5.16 15 5.16 5.16 39 116 150 203
Net Debt		 -72 -89 -33 -95 -17 -47 -65 -124 84 96 83
Capital Expenditures (CapEx)		 0.97 0.74 0.85 0.86 0.79 0.88 1.49 1.04 0.35 6.54 5.02
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 5.16 5.16 5.56 5.16 15 5.16 5.16 39 116 150 203
Total Depreciation and Amortization (D&A)		 7.98 7.95 7.24 9.09 7.26 6.31 4.18 7.60 9.90 9.57 2.24
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.48 $1.00 $1.34 $1.12 $1.55 $1.60 $1.62 $2.32 $2.27 $0.00 $0.45
Adjusted Weighted Average Basic Shares Outstanding		 10.98M 11.02M 12.20M 13.75M 13.71M 12.71M 12.52M 11.82M 11.75M 0.00 19.05M
Adjusted Diluted Earnings per Share		 $0.48 $1.00 $1.33 $1.10 $1.54 $1.59 $1.62 $2.31 $2.27 $0.00 $0.45
Adjusted Weighted Average Diluted Shares Outstanding		 10.98M 11.02M 12.20M 13.75M 13.71M 12.71M 12.52M 11.82M 11.75M 0.00 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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.98M 11.02M 12.20M 13.75M 13.71M 12.71M 12.52M 11.82M 11.75M 0.00 19.05M
Normalized Net Operating Profit after Tax (NOPAT)		 3.31 11 16 15 21 21 20 28 27 26 14
Normalized NOPAT Margin		 6.88% 21.86% 29.74% 22.52% 29.38% 27.82% 26.01% 34.82% 31.49% 29.55% 12.30%
Pre Tax Income Margin		 9.83% 27.00% 40.06% 35.51% 38.22% 38.86% 34.85% 46.61% 41.53% 37.83% 9.42%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.09 12.94 20.16 20.95 18.81 11.70 17.09 29.20 10.27 1.69 0.22
NOPAT to Interest Expense		 4.58 10.47 13.85 12.34 14.35 8.38 12.76 21.81 7.79 1.28 0.15
EBIT Less CapEx to Interest Expense		 3.25 12.23 19.38 20.19 18.27 11.36 16.16 28.40 10.17 1.37 0.12
NOPAT Less CapEx to Interest Expense		 3.74 9.76 13.07 11.58 13.81 8.04 11.83 21.01 7.69 0.95 0.05
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 41.37% 18.05% 17.88% 21.46% 20.06% 27.07% 27.18% 20.27% 21.16% 22.15% 107.36%
Augmented Payout Ratio		 41.37% 18.05% 17.88% 21.46% 24.26% 99.91% 81.50% 68.22% 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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - 19,050,712.00 19,061,344.00 19,130,508.00 19,158,428.00 27,134,206.00
DEI Adjusted Shares Outstanding		 - - - - - - 19,050,712.00 19,061,344.00 19,130,508.00 19,158,428.00 27,134,206.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.44 0.41 0.57 0.60 0.10
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.15% -2.53% -10.57% 39.72% 41.65% 53.36% 68.01% 17.11% 21.04% 11.49% 37.22%
EBITDA Growth		 0.65% -19.51% -44.97% -160.20% -65.34% -5.48% 92.58% 256.22% 121.75% 35.67% -55.79%
EBIT Growth		 1.70% -25.36% -48.48% -194.48% -50.99% 28.80% 136.70% 236.59% 262.40% 38.28% -61.30%
NOPAT Growth		 0.09% -22.78% -47.26% -187.77% -47.03% 16.98% 125.60% 242.04% 221.21% 38.54% -65.59%
Net Income Growth		 0.09% -22.78% -47.26% -200.13% -47.03% 16.98% 125.60% 224.52% 221.21% 38.54% -65.59%
EPS Growth		 -1.82% -23.08% -47.46% -161.11% -66.67% -42.00% 41.94% 224.24% 216.67% 36.36% -75.61%
Operating Cash Flow Growth		 -5.43% -57.96% -62.19% 27.96% 37.79% -77.41% 175.09% 120.78% 70.23% -1.31% 69.69%
Free Cash Flow Firm Growth		 78.54% -1,397.99% -204.93% -908.59% -3,800.00% -233.55% 90.32% 113.34% 128.66% 129.86% -850.50%
Invested Capital Growth		 -0.80% 22.93% 118.11% 122.03% 125.13% 58.63% 65.42% -6.09% -13.84% -9.39% 60.11%
Revenue Q/Q Growth		 1.43% 1.24% -7.48% 47.07% 2.83% 9.60% 1.36% 2.51% 6.29% 0.00% 26.17%
EBITDA Q/Q Growth		 1.29% -8.15% -37.19% -199.77% 158.32% 150.46% 31.30% 1.26% 55.95% 0.00% -73.55%
EBIT Q/Q Growth		 1.81% -9.32% -37.63% -264.07% 152.81% 138.32% 14.63% -5.32% 40.12% 0.00% -73.50%
NOPAT Q/Q Growth		 1.72% -7.76% -37.63% -250.00% 161.39% 103.69% 20.28% -5.56% 38.83% 0.00% -76.54%
Net Income Q/Q Growth		 1.72% -7.76% -37.63% -271.11% 153.82% 103.69% 20.28% -5.56% 38.83% 0.00% -76.54%
EPS Q/Q Growth		 0.00% -7.41% -38.00% -206.45% 154.55% 61.11% 51.72% -6.82% 39.02% 0.00% -83.33%
Operating Cash Flow Q/Q Growth		 61.13% -48.64% -9.81% 58.81% 73.50% -91.58% 1,097.73% 4.17% 14.54% 0.00% 79.12%
Free Cash Flow Firm Q/Q Growth		 126.57% -821.31% -3,640.63% 85.93% 2.52% 34.98% -8.60% 119.37% 109.50% 0.00% -586.90%
Invested Capital Q/Q Growth		 -2.21% 41.95% -2.33% 63.76% -0.84% 0.02% 1.85% -7.03% -9.03% 0.00% 64.27%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 49.23% 44.67% 31.31% -21.24% 12.05% 27.53% 35.66% 31.71% 46.52% 43.40% 9.10%
EBIT Margin		 38.39% 34.39% 23.18% -25.86% 13.28% 28.88% 32.66% 30.16% 39.77% 40.51% 8.51%
Profit (Net Income) Margin		 28.90% 26.33% 17.75% -20.65% 10.81% 20.09% 23.84% 21.96% 28.68% 29.62% 5.51%
Tax Burden Percent		 75.28% 76.58% 76.57% 79.85% 81.37% 69.55% 72.98% 72.79% 72.12% 73.11% 64.72%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.72% 23.42% 23.43% 0.00% 18.63% 30.45% 27.02% 27.21% 27.88% 26.89% 35.28%
Return on Invested Capital (ROIC)		 10.31% 7.28% 0.00% -4.18% 2.77% 5.09% 6.75% 5.40% 7.77% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.31% 7.28% 0.00% -4.72% 2.77% 5.09% 6.75% 5.40% 7.77% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 4.97% 5.06% 0.00% -2.55% 1.38% 3.15% 3.94% 2.78% 2.98% 0.00% 0.00%
Return on Equity (ROE)		 15.28% 12.34% 11.30% -6.73% 4.16% 8.24% 10.69% 8.19% 10.75% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 11.61% -12.68% -645.72% -73.45% -75.34% -43.68% -46.64% 11.05% 21.30% 9.85% -46.22%
Operating Return on Assets (OROA)		 1.42% 1.27% 0.83% -0.83% 0.47% 1.13% 1.43% 1.16% 1.59% 0.00% 0.00%
Return on Assets (ROA)		 1.07% 0.97% 0.63% -0.66% 0.38% 0.79% 1.05% 0.85% 1.15% 0.00% 0.00%
Return on Common Equity (ROCE)		 15.28% 12.34% 11.30% -6.73% 4.16% 8.24% 10.69% 8.19% 10.75% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 15.02% 0.00% 10.51% 2.76% 1.83% 0.00% 3.30% 6.95% 8.52% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 6.39 5.89 3.68 -5.51 3.39 6.90 8.29 7.83 11 11 2.70
NOPAT Margin		 28.90% 26.33% 17.75% -18.10% 10.81% 20.09% 23.84% 21.96% 28.68% 29.62% 5.51%
Net Nonoperating Expense Percent (NNEP)		 0.00% 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		 40.54% 70.74% 49.16% 52.12% 52.35% 73.37% 45.37% 42.21% 40.78% 40.26% 41.11%
Operating Expenses to Revenue		 60.77% 66.36% 74.04% 93.58% 88.37% 67.55% 67.46% 62.51% 58.47% 59.26% 79.98%
Earnings before Interest and Taxes (EBIT)		 8.49 7.70 4.80 -7.88 4.16 9.91 11 11 15 16 4.16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 10.00 6.48 -6.47 3.77 9.45 12 11 18 17 4.45
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.88 1.24 1.08 0.98 0.99 1.01 0.92 0.97 1.00 1.06 1.19
Price to Tangible Book Value (P/TBV)		 1.25 1.67 1.45 1.35 1.35 1.43 1.28 1.35 1.35 1.41 1.72
Price to Revenue (P/Rev)		 1.77 2.86 2.63 3.60 3.44 3.14 2.61 2.71 2.77 0.00 0.00
Price to Earnings (P/E)		 5.85 10.03 10.28 35.57 54.14 47.84 27.80 13.98 11.67 0.00 0.00
Dividend Yield		 0.00% 2.22% 0.00% 0.66% 1.26% 2.49% 2.67% 2.48% 2.32% 2.07% 1.80%
Earnings Yield		 17.10% 9.97% 9.73% 2.81% 1.85% 2.09% 3.60% 7.15% 8.57% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.62 0.99 0.87 0.80 0.73 0.79 0.69 0.73 0.75 0.80 0.90
Enterprise Value to Revenue (EV/Rev)		 1.72 3.94 3.50 4.75 3.95 3.85 3.04 2.87 2.55 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 3.45 8.11 7.92 21.43 29.35 33.97 20.70 10.70 7.88 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 4.24 10.41 10.38 34.69 47.17 40.89 22.63 10.80 7.73 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 5.67 13.79 13.69 47.03 62.14 58.66 32.36 14.80 10.74 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.59 12.80 14.29 20.05 16.12 20.25 13.59 10.99 8.88 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.28 0.00 0.00 0.00 0.00 0.00 0.00 6.39 3.25 7.70 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.38 0.72 0.65 0.63 0.56 0.56 0.55 0.41 0.23 0.25 0.41
Long-Term Debt to Equity		 0.38 0.72 0.33 0.63 0.56 0.56 0.55 0.41 0.23 0.25 0.41
Financial Leverage		 0.48 0.70 -5.00 0.54 0.50 0.62 0.58 0.52 0.38 0.39 0.41
Leverage Ratio		 14.28 12.72 12.39 11.11 10.94 10.45 10.22 9.67 9.39 9.17 8.72
Compound Leverage Factor		 14.28 12.72 12.39 11.11 10.94 10.45 10.22 9.67 9.39 9.17 8.72
Debt to Total Capital		 27.73% 41.97% 39.25% 38.63% 35.76% 35.92% 35.44% 29.10% 18.46% 19.75% 29.17%
Short-Term Debt to Total Capital		 0.00% 0.00% 19.23% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 27.73% 41.97% 20.02% 38.63% 35.76% 35.92% 35.44% 29.10% 18.46% 19.75% 29.17%
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% 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% 0.00%
Common Equity to Total Capital		 72.27% 58.03% 60.75% 61.37% 64.24% 64.08% 64.56% 70.90% 81.54% 80.25% 70.83%
Debt to EBITDA		 1.55 3.45 3.56 10.39 14.34 15.36 10.64 4.27 1.95 0.00 0.00
Net Debt to EBITDA		 -0.11 2.21 1.97 5.22 3.78 6.26 2.91 0.59 -0.68 0.00 0.00
Long-Term Debt to EBITDA		 1.55 3.45 1.82 10.39 14.34 15.36 10.64 4.27 1.95 0.00 0.00
Debt to NOPAT		 2.56 5.86 6.15 22.80 30.36 26.52 16.63 5.91 2.66 0.00 0.00
Net Debt to NOPAT		 -0.18 3.76 3.41 11.46 8.00 10.82 4.55 0.82 -0.93 0.00 0.00
Long-Term Debt to NOPAT		 2.56 5.86 3.14 22.80 30.36 26.52 16.63 5.91 2.66 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 8.41 -61 -2,269 -319 -311 -202 -220 43 89 66 -319
Operating Cash Flow to CapEx		 591.60% 92.87% 902.95% 1,440.55% 432.99% 56.86% 5,533.50% 1,207.23% 3,114.39% 401.69% 950.17%
Free Cash Flow to Firm to Interest Expense		 1.42 -10.63 -346.18 -21.36 -20.64 -15.04 -16.96 3.35 7.47 5.52 -21.01
Operating Cash Flow to Interest Expense		 1.34 0.72 0.61 0.42 0.73 0.07 0.85 0.91 1.11 0.92 1.29
Operating Cash Flow Less CapEx to Interest Expense		 1.11 -0.06 0.54 0.39 0.56 -0.05 0.84 0.83 1.07 0.69 1.15
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.04 0.04 0.04 0.04 0.04 0.00 0.00
Fixed Asset Turnover		 10.22 8.12 7.86 5.85 6.31 6.07 6.90 5.95 6.06 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 251 357 348 571 566 566 576 536 488 522 858
Invested Capital Turnover		 0.36 0.28 -0.11 0.23 0.26 0.25 0.28 0.25 0.27 0.00 0.00
Increase / (Decrease) in Invested Capital		 -2.02 67 2,273 314 315 209 228 -35 -78 -54 322
Enterprise Value (EV)		 155 352 304 455 414 450 397 391 364 417 768
Market Capitalization		 159 256 229 344 361 367 342 369 396 444 725
Book Value per Share		 $15.38 $17.53 $17.89 $18.56 $19.19 $19.14 $19.54 $19.94 $20.78 $21.99 $22.40
Tangible Book Value per Share		 $10.83 $12.97 $13.35 $13.45 $14.10 $13.54 $13.98 $14.40 $15.28 $16.49 $15.50
Total Capital		 251 357 348 571 566 566 576 536 488 522 858
Total Debt		 70 150 137 220 202 203 204 156 90 103 250
Total Long-Term Debt		 70 150 70 220 202 203 204 156 90 103 250
Net Debt		 -4.87 96 76 111 53 83 56 22 -32 -27 43
Capital Expenditures (CapEx)		 1.35 4.40 0.44 0.44 2.53 1.63 0.20 0.96 0.42 2.72 2.06
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 70 150 137 220 202 203 204 156 90 103 250
Total Depreciation and Amortization (D&A)		 2.40 2.30 1.68 1.41 -0.39 -0.46 1.04 0.55 2.56 1.12 0.29
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.54 $0.49 $0.31 ($0.33) $0.18 $0.29 $0.44 $0.41 $0.57 $0.60 $0.10
Adjusted Weighted Average Basic Shares Outstanding		 11.74M 11.83M 11.75M 18.81M 18.84M 19.05M 18.93M 18.99M 19.02M 19.06M 27.05M
Adjusted Diluted Earnings per Share		 $0.54 $0.50 $0.31 ($0.33) $0.18 $0.29 $0.44 $0.41 $0.57 $0.60 $0.10
Adjusted Weighted Average Diluted Shares Outstanding		 11.76M 11.83M 11.79M 18.94M 18.97M 19.05M 19.01M 19.04M 19.09M 19.14M 27.11M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.81M 11.83M 18.87M 18.94M 18.95M 19.05M 19.06M 19.13M 19.16M 27.13M 27.13M
Normalized Net Operating Profit after Tax (NOPAT)		 6.39 5.89 3.68 -5.51 3.39 6.90 8.29 7.83 11 11 2.70
Normalized NOPAT Margin		 28.90% 26.33% 17.75% -18.10% 10.81% 20.09% 23.84% 21.96% 28.68% 29.62% 5.51%
Pre Tax Income Margin		 38.39% 34.39% 23.18% -25.86% 13.28% 28.88% 32.66% 30.16% 39.77% 40.51% 8.51%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.43 1.35 0.73 -0.53 0.28 0.74 0.88 0.85 1.26 1.32 0.27
NOPAT to Interest Expense		 1.08 1.03 0.56 -0.37 0.22 0.51 0.64 0.62 0.91 0.97 0.18
EBIT Less CapEx to Interest Expense		 1.20 0.58 0.67 -0.56 0.11 0.62 0.86 0.77 1.23 1.09 0.14
NOPAT Less CapEx to Interest Expense		 0.85 0.26 0.49 -0.40 0.06 0.39 0.62 0.54 0.87 0.74 0.04
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 20.70% 22.15% 25.47% 67.43% 110.67% 107.36% 74.00% 34.51% 26.96% 0.00% 0.00%
Augmented Payout Ratio		 20.70% 22.16% 25.48% 67.62% 111.24% 107.85% 74.96% 35.16% 27.40% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

Community West Bancshares’ latest statements show a business that has expanded substantially, but with a sharp deterioration in quarterly profitability. The Q2 2026 balance sheet appears to reflect a significant expansion or acquisition: total assets increased to $5.03 billion from $3.70 billion in Q1 2026 and $3.58 billion in Q2 2025, while net loans rose to $3.49 billion from $2.52 billion in the prior quarter.

The expansion has strengthened the company’s earning-asset base. Q2 2026 loan interest income increased to $58.6 million, compared with $41.9 million in Q1 2026 and $39.5 million in Q2 2025. Net interest income reached $50.9 million, up 41.4% sequentially and 52.9% year over year. However, these gains were offset by higher credit provisions and investment losses, leaving net income at only $2.7 million, or $0.10 per diluted share, versus $11.5 million, or $0.60 per share, in Q1 2026.

Funding also grew rapidly. Deposits totaled approximately $4.12 billion at June 30, 2026, compared with $3.14 billion at March 31, 2026, while long-term debt increased to $250.3 million from $103.2 million. The company ended Q2 with $73.6 million of cash and $133.5 million of interest-bearing deposits at other banks. Operating cash flow remained positive at $19.6 million, and the company generated a $76.5 million increase in cash during the quarter, although much of the cash movement was tied to financing activity.

  • Strong balance-sheet growth: Total assets increased approximately 35.9% from Q1 2026 and 40.7% from Q2 2025, led by substantial growth in net loans and securities.
  • Net interest income is expanding: Q2 2026 net interest income of $50.9 million was the highest level in the available period and materially exceeded the $32.2 million reported in Q1 2024 and $33.3 million in Q2 2025.
  • Loan growth is supporting revenue: Net loans increased about 38.6% from Q1 2026 and 47.4% year over year, while loan interest income rose 48.4% from Q2 2025.
  • Operating cash flow improved: Net cash from operating activities rose to $19.6 million in Q2 2026 from $10.9 million in Q1 2026 and $11.5 million in Q2 2025.
  • Capital position improved in absolute terms: Total common equity increased to $607.8 million from $419.2 million in Q1 2026 and $380.0 million in Q2 2025. The equity-to-assets ratio also improved to approximately 12.1% from 11.3% in Q1.
  • Accumulated other comprehensive losses narrowed: AOCI improved to a loss of $35.5 million from a loss of $39.8 million in Q1 2026 and $50.8 million in Q2 2025, reducing some pressure on reported capital.
  • Deposits are growing but funding costs remain important: Deposits increased sharply to $4.12 billion, yet Q2 deposit interest expense also rose to $13.7 million from $10.5 million in Q2 2025. The company’s future margin performance will depend on how quickly deposit costs stabilize.
  • Cash increased substantially: Cash and due from banks rose to $73.3 million from $37.9 million at the end of Q1. However, total cash growth was heavily influenced by $2.30 billion of debt issuance and $2.16 billion of debt repayments, rather than operating earnings alone.
  • Quarterly profitability weakened sharply: Net income declined 76.5% from Q1 2026 and 65.6% from Q2 2025. Diluted EPS fell to $0.10 from $0.60 in both comparison quarters.
  • Credit provisions and investment losses pressured results: The provision for credit losses increased to $5.6 million from $90,000 in Q1 2026, while net realized and unrealized investment losses totaled $5.9 million. Together, these items significantly reduced the benefit of higher net interest income.

For investors, the central issue is whether the Q2 expansion can produce sustainable earnings. The larger loan portfolio and stronger net interest income are constructive, but the quarter also brought materially higher credit costs, investment losses, operating expenses and leverage. Community West Bancshares’ outlook will depend on loan-credit quality, deposit pricing and whether the recent balance-sheet growth translates into consistent earnings rather than one-time or acquisition-related volatility.

09/26/26 07:24 AM ETAI Generated. May Contain Errors.

Community West Bancshares Financials - Frequently Asked Questions

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

Community West Bancshares' net income appears to be on an upward trend, with a most recent value of $7.67 million in 2024, rising from $5.29 million in 2014. The previous period was $25.54 million in 2023. Check out Community West Bancshares' forecast to explore projected trends and price targets.

Over the last 10 years, Community West Bancshares' total revenue changed from $48.05 million in 2014 to $116.81 million in 2024, a change of 143.1%.

In the past 13 quarters, Community West Bancshares' cash and equivalents has ranged from $25.07 million in Q1 2024 to $89.73 million in Q1 2023, and is currently $73.33 million as of their latest financial filing in Q2 2026.

Community West Bancshares had total debt of $203.33 million at the end of 2024, a 35.8% increase from 2023, and a 3,844.3% increase since 2014.

Over the last 10 years, Community West Bancshares' book value per share changed from 11.94 in 2014 to 19.14 in 2024, a change of 60.4%.


Related Companies

Financial statements for NASDAQ:CWBC last updated on 8/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
A letter from Shannon Stansberry
Porter Stansberry nearly canceled the entire project. When he first saw the claimed returns - only one down ye...
Porter & Company | Sponsoredtc pixel
Shocking new footage just released
Gerardo Del Real is calling it the Third Convergence Event, a new catalyst hitting the uranium market that he ...
Digest Publishing | Sponsoredtc pixel
This free guide explains options the way they should be taught
Most options educators jump straight into Greeks, spreads, and implied volatility - losing beginners before th...
Base Camp Trading | Sponsoredtc pixel
Trump goes "all-in" on Grand Canyon energy breakthrough
A drilling crew near the Grand Canyon uncovered a clean energy well producing nearly eight times the output of...
Behind the Markets | Sponsoredtc pixel
"How Much Can I Actually Spend Each Year With $2.5M Saved?"
Having $2.5 million saved puts you ahead of most Americans, but how long it lasts depends on the decisions you...
SmartAsset | Sponsoredtc pixel
Here’s the stock symbol I’ve promised
Whitney Tilson of Stansberry Research has long recommended Berkshire Hathaway as a core retirement holding - b...
Stansberry Research | Sponsoredtc pixel
Bank of America: 'Digital Dollar Inevitable'
Bank of America just revealed your expiration date. In their Bloomberg interview, they didn't just predict the...
Decentralized Masters | Sponsoredtc pixel
Iran War WARNING: Something Just Changed
A powerful Middle Eastern government is reportedly asking Trump for U.S. military help against Iran backed for...
Banyan Hill Publishing | Sponsoredtc pixel