CWBC
Neutral signalScored 2026-08-11 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Community West Bancshares
- Nom
- Community West Bancshares
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $546.6M
- Employés
- 338
- PDG
- James J. Kim
- Site web
- https://www.communitywestbank.com
- Marché
- BCALBSRRFNRNOVLYPBAMWABC
Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California. The company offers deposit products, such as checking accounts, savings accounts, money market accounts, and fixed rate and fixed maturity certificates of deposits; and cash management products. It also provides commercial, commercial real estate, consumer, manufactured housing, and small business administration loans, as well as agricultural loans for real estate and operating lines; home equity lines of credit collateralized by residential real estate; single family real estate loans; and installment loans consisting of automobile and general-purpose loans. The company serves small to medium-sized businesses and their owners, professionals, high-net worth individuals, and non-profit organizations. Community West Bancshares was founded in 1989 and is headquartered in Goleta, California.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 5000 titres (~124428 USD)
- Insiders
- GILL JAGROOP
- Total bought
-
$124,428
Avg buy (VWAP, 90d window) $24.77 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-10
- Last synced
-
2026-08-11 17:19:44
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-31 | CAGLE DAWN M | Buy · P | 188 | $21.51 | $4,044 | Form 4 |
| 2026-08-31 | LIVINGSTON SHANNON R | Buy · P | 107 | $21.51 | $2,302 | Form 4 |
| 2026-08-21 | LOKEY JAMES W | Buy · P | 54 | $25.92 | $1,406 | Form 4 |
| 2026-08-21 | STOVESAND KIRK | Buy · P | 255 | $26.10 | $6,656 | Form 4 |
| 2026-08-10 | GILL JAGROOP | Buy · P | 4,770 | $24.88 | $118,678 | Form 4 |
| 2026-07-31 | GILL JAGROOP | Buy · P | 230 | $25.00 | $5,750 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-11 Drivers: fundamentals. Moteurs : fondamentaux.
CWBC shows a genuine 2025 recovery in liquidity and leverage (health score 85/75), but the catalyst signal is structurally weak: a single insider purchase of ~$124k post a significant earnings miss ($0.45 vs $0.61 est)…
The first sentence of the analysis written for CWBC on 2026-08-11 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 1.63 · operating margin 27%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 72.6% | 62.8% | 81.2% | 94.9% | 103.8% | |
| Ebit Margin | 27.0% | 6.7% | 31.3% | 40.6% | 46.7% | |
| Ebitda Margin | 29.2% | 8.0% | 32.1% | 41.4% | 57.7% | |
| Operating Profit Margin | 27.0% | 6.7% | 31.3% | 40.6% | 46.7% | |
| Pretax Profit Margin | 27.0% | 6.7% | 31.3% | 40.6% | 46.7% | |
| Continuous Operations Profit Margin | 19.6% | 4.7% | 23.6% | 30.7% | 34.9% | |
| Net Profit Margin | 19.6% | 4.7% | 23.6% | 30.7% | 34.9% | |
| Bottom Line Profit Margin | 19.6% | 4.7% | 23.6% | 30.7% | 34.9% | |
| Current Ratio | 1.630 | 0.139 | 0.218 | 0.347 | 0.604 | |
| Quick Ratio | 1.630 | 0.139 | 0.218 | 0.347 | 0.604 | |
| Solvency Ratio | 0.013 | 0.003 | 0.012 | 0.012 | 0.017 | |
| Cash Ratio | 1.630 | 0.040 | 0.025 | 0.014 | 0.076 | |
| Price To Earnings Ratio | 11.194 | 43.044 | 10.252 | 9.330 | 8.953 | |
| Price To Earnings Growth Ratio | 0.032 | -0.542 | -2.586 | -4.329 | 0.207 | |
| Forward Price To Earnings Growth Ratio | 0.032 | -0.542 | -2.586 | -4.329 | 0.207 | |
| Price To Earnings Diluted Ratio | 11.250 | 43.044 | 10.300 | 9.330 | 8.991 | |
| Price To Earnings Diluted Growth Ratio | 0.033 | -0.543 | -2.338 | -5.388 | 0.211 | |
| Price To Book Ratio | 1.044 | 0.912 | 1.266 | 1.421 | 1.047 | |
| Price To Sales Ratio | 2.196 | 2.015 | 2.425 | 2.863 | 3.187 | |
| Price To Free Cash Flow Ratio | 9.801 | 19.273 | 14.793 | 10.644 | 6.208 | |
| Price To Operating Cash Flow Ratio | 9.268 | 14.899 | 9.523 | 10.481 | 6.056 | |
| Debt To Assets Ratio | 0.039 | 0.058 | 0.062 | 0.048 | 0.016 | |
| Debt To Equity Ratio | 0.348 | 0.561 | 0.723 | 0.662 | 0.159 | |
| Debt To Capital Ratio | 0.258 | 0.359 | 0.420 | 0.398 | 0.137 | |
| Long Term Debt To Capital Ratio | 0.145 | 0.162 | 0.252 | 0.285 | 0.137 | |
| Financial Leverage Ratio | 9.010 | 9.710 | 11.752 | 13.870 | 9.886 | |
| Working Capital Turnover Ratio | -0.151 | -0.077 | -0.070 | -0.076 | -0.090 | |
| Operating Cash Flow Ratio | 0.632 | 0.007 | 0.013 | 0.011 | 0.020 | |
| Operating Cash Flow Sales Ratio | 0.237 | 0.135 | 0.255 | 0.273 | 0.526 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.946 | 0.773 | 0.644 | 0.985 | 0.976 | |
| Debt Service Coverage Ratio | 0.346 | 0.054 | 0.264 | 0.554 | 28.725 | |
| Interest Coverage Ratio | 1.061 | 0.220 | 1.693 | 10.269 | 29.199 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.632 | 0.166 | 0.344 | 0.515 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.324 | 0.109 | 0.184 | 0.205 | 1.086 | |
| Capital Expenditure Coverage Ratio | 18.382 | 4.406 | 2.807 | 65.395 | 40.853 | |
| Dividend Paid And Capex Coverage Ratio | 3.952 | 1.673 | 1.780 | 3.946 | 6.297 | |
| Dividend Payout Ratio | 0.240 | 1.074 | 0.222 | 0.212 | 0.203 | |
| Enterprise Value Multiple | 7.938 | 31.333 | 10.312 | 9.264 | 2.883 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 72.6% | ▲9.8% | ▼-10.4% |
| Ebit Margin | 27.0% | ▲20.3% | ▼-3.5% |
| Ebitda Margin | 29.2% | ▲21.1% | ▼-4.5% |
| Operating Profit Margin | 27.0% | ▲20.3% | ▼-3.5% |
| Pretax Profit Margin | 27.0% | ▲20.3% | ▼-3.5% |
| Continuous Operations Profit Margin | 19.6% | ▲14.9% | ▼-3.1% |
| Net Profit Margin | 19.6% | ▲14.9% | ▼-3.1% |
| Bottom Line Profit Margin | 19.6% | ▲14.9% | ▼-3.1% |
| Current Ratio | 1.630 | ▲1.491 | ▲1.042 |
| Quick Ratio | 1.630 | ▲1.491 | ▲1.042 |
| Solvency Ratio | 0.013 | ▲0.010 | ▲0.002 |
| Cash Ratio | 1.630 | ▲1.590 | ▲1.273 |
| Price To Earnings Ratio | 11.194 | ▼-31.850 | ▼-5.361 |
| Price To Earnings Growth Ratio | 0.032 | ▲0.575 | ▲1.476 |
| Forward Price To Earnings Growth Ratio | 0.032 | ▲0.575 | ▲1.476 |
| Price To Earnings Diluted Ratio | 11.250 | ▼-31.794 | ▼-5.333 |
| Price To Earnings Diluted Growth Ratio | 0.033 | ▲0.576 | ▲1.638 |
| Price To Book Ratio | 1.044 | ▲0.132 | ▼-0.094 |
| Price To Sales Ratio | 2.196 | ▲0.182 | ▼-0.341 |
| Price To Free Cash Flow Ratio | 9.801 | ▼-9.472 | ▼-2.343 |
| Price To Operating Cash Flow Ratio | 9.268 | ▼-5.631 | ▼-0.778 |
| Debt To Assets Ratio | 0.039 | ▼-0.019 | ▼-0.006 |
| Debt To Equity Ratio | 0.348 | ▼-0.213 | ▼-0.143 |
| Debt To Capital Ratio | 0.258 | ▼-0.101 | ▼-0.056 |
| Long Term Debt To Capital Ratio | 0.145 | ▼-0.017 | ▼-0.051 |
| Financial Leverage Ratio | 9.010 | ▼-0.700 | ▼-1.836 |
| Working Capital Turnover Ratio | -0.151 | ▼-0.074 | ▼-0.058 |
| Operating Cash Flow Ratio | 0.632 | ▲0.625 | ▲0.495 |
| Operating Cash Flow Sales Ratio | 0.237 | ▲0.102 | ▼-0.048 |
| Free Cash Flow Operating Cash Flow Ratio | 0.946 | ▲0.173 | ▲0.081 |
| Debt Service Coverage Ratio | 0.346 | ▲0.293 | ▼-5.642 |
| Interest Coverage Ratio | 1.060 | ▲0.841 | ▼-7.428 |
| Short Term Operating Cash Flow Coverage Ratio | 0.632 | ▲0.465 | ▲0.300 |
| Operating Cash Flow Coverage Ratio | 0.324 | ▲0.214 | ▼-0.058 |
| Capital Expenditure Coverage Ratio | 18.382 | ▲13.976 | ▼-7.987 |
| Dividend Paid And Capex Coverage Ratio | 3.952 | ▲2.279 | ▲0.422 |
| Dividend Payout Ratio | 0.240 | ▼-0.834 | ▼-0.150 |
| Enterprise Value Multiple | 7.938 | ▼-23.394 | ▼-4.408 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $427.4M | $330.8M | $262.1M | $248.1M | $259.5M | |
| Enterprise value | $451.0M | $413.7M | $358.2M | $332.6M | $135.5M | |
| EV / Sales | 2.32x | 2.52x | 3.31x | 3.84x | 1.66x | |
| EV / Op. cash flow | 9.78x | 18.63x | 13.01x | 14.05x | 3.16x | |
| EV / Free cash flow | 10.34x | 24.11x | 20.21x | 14.27x | 3.24x | |
| EV / EBITDA | 7.94x | 31.33x | 10.31x | 9.26x | 2.88x | |
| Net debt / EBITDA | 0.41x | 6.28x | 2.77x | 2.35x | -2.64x | |
| Current ratio | 1.63x | 0.14x | 0.22x | 0.35x | 0.60x | |
| Income quality | 1.21x | 2.90x | 1.08x | 0.89x | 1.51x | |
| Graham number | $31 | $15 | $29 | $28 | $32 | |
| Graham net-net | -$166 | -$160 | -$150 | -$129 | -$72 | |
| Tax burden | 72.7% | 69.7% | 75.5% | 75.8% | 74.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $46.0M | -$2.62B | -$1.66B | -$1.42B | -$857.5M | |
| Invested capital | $174.6M | -$2.49B | -$1.59B | -$1.36B | -$794.8M | |
| Return on assets | 1.0% | 0.2% | 1.0% | 1.1% | 1.2% | |
| Operating ROA | 1.5% | 0.4% | 1.4% | 1.4% | 1.7% | |
| Return on tangible assets | 1.1% | 0.2% | 1.1% | 1.1% | 1.2% | |
| Return on equity | 9.3% | 2.1% | 12.3% | 15.3% | 11.5% | |
| Return on invested capital | 1.0% | 1.3% | 6.5% | 9.2% | 9.9% | |
| Return on capital employed | 1.5% | 2.3% | 10.9% | 14.4% | 13.2% | |
| Earnings yield | 8.9% | 2.3% | 9.7% | 10.7% | 10.9% | |
| Free cash flow yield | 10.2% | 5.2% | 6.8% | 9.4% | 16.1% | |
| Capex / Op. cash flow | 5.4% | 22.7% | 35.6% | 1.5% | 2.4% | |
| Capex / Depreciation | 58.6% | 228.4% | 1100.6% | 47.9% | 11.7% | |
| Capex / Sales | 1.3% | 3.1% | 9.1% | 0.4% | 1.3% | |
| SG&A / Sales | 31.6% | 30.9% | 30.7% | 35.0% | 37.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.5% | 0.8% | 0.9% | 0.7% | |
| Intangibles / Total assets | 2.8% | 3.0% | 2.2% | 2.2% | 2.2% | |
| Days sales outstanding | 0d | 0d | 0d | 324d | 147d | |
| Days payables outstanding | 0d | 0d | 0d | 2695d | -4665d | |
| Operating cycle | 0d | 0d | 0d | 324d | 147d | |
| Cash conversion cycle | 0d | 0d | 0d | -2371d | 4812d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-05 7 Dividend Stocks You Must Buy Immediately to Get Paid in August Here''s an alert for income investors with a quick deadline. Seven small-bank dividend stocks all share the same imminent ex-dividend date: Friday, August 7.
- 2026-07-23 Community West Bancshares (CWBC) Reports Q2 Earnings: What Key Metrics Have to Say Although the revenue and EPS for Community West Bancshares (CWBC) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-07-23 Community West Bancshares (CWBC) Q2 Earnings Lag Estimates Community West Bancshares (CWBC) came out with quarterly earnings of $0.45 per share, missing the Zacks Consensus Estimate of $0.61 per share. This compares to earnings of $0.41 per share a year ago.
- 2026-07-23 Community West Bancshares Reports Earnings Results for the Quarter Ended June 30, 2026, and Quarterly Dividend FRESNO, Calif.--(BUSINESS WIRE)-- #cwbc--The Board of Directors of Community West Bancshares (“Company”) (NASDAQ: CWBC), the parent company of Community West Bank (“Bank”), reported today unaudited consolidated net income of $2,695,000, and diluted earnings per share of $0.10 for the three months ended June 30, 2026, compared to a net income of $7,832,000 and $0.41 per diluted common share for the three months ended June 30, 2025. The Company declared a $0.12 per common share cash dividend, payable on.