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Upturn AI SWOT - About
Community West Bancshares (CWBC)
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Upturn Advisory Summary
06/30/2025: CWBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21.33
1 Year Target Price $21.33
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 43.75% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 366.36M USD | Price to earnings Ratio 33.14 | 1Y Target Price 21.33 |
Price to earnings Ratio 33.14 | 1Y Target Price 21.33 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 15.46 - 22.59 | Updated Date 06/30/2025 |
52 Weeks Range 15.46 - 22.59 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 0.58 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.2% | Operating Margin (TTM) 35.55% |
Management Effectiveness
Return on Assets (TTM) 0.41% | Return on Equity (TTM) 4.21% |
Valuation
Trailing PE 33.14 | Forward PE 9.42 | Enterprise Value 422269024 | Price to Sales(TTM) 3.04 |
Enterprise Value 422269024 | Price to Sales(TTM) 3.04 | ||
Enterprise Value to Revenue 4.46 | Enterprise Value to EBITDA - | Shares Outstanding 19061300 | Shares Floating 14944666 |
Shares Outstanding 19061300 | Shares Floating 14944666 | ||
Percent Insiders 13.09 | Percent Institutions 50.16 |
Analyst Ratings
Rating 2 | Target Price 21.33 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Community West Bancshares
Company Overview
History and Background
Community West Bancshares was founded in 1989 and is headquartered in Goleta, California. The company operates as the holding company for Community West Bank, a community bank serving California's Central Coast region. Over time, it has expanded its services and reach within its target market through organic growth and strategic initiatives.
Core Business Areas
- Commercial Banking: Offers a range of lending products including commercial real estate loans, business loans, and lines of credit. Also provides deposit accounts and cash management services.
- Retail Banking: Provides deposit accounts, personal loans, and other services to individuals and families.
- Wealth Management: Offers wealth management and trust services to individuals and businesses.
Leadership and Structure
Martin E. Plourd is the Chief Executive Officer. The company has a board of directors that oversees the strategic direction and governance of the bank. It operates through its banking subsidiary, Community West Bank.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data for Community West Bancshares specifically is unavailable. Competitors include larger regional and national banks such as Bank of America (BAC) and Wells Fargo (WFC), as well as other community banks in the Central Coast region.
- Business Loans: Loans to small and medium-sized businesses. Market share data is unavailable. Competitors include larger regional and national banks such as Bank of America (BAC) and Wells Fargo (WFC), as well as other community banks in the Central Coast region.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is unavailable. Competitors include larger regional and national banks such as Bank of America (BAC) and Wells Fargo (WFC), as well as other community banks in the Central Coast region.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and interest rate volatility. Community banks are focused on providing personalized service and building relationships with local communities.
Positioning
Community West Bancshares is a community bank focused on serving the Central Coast of California. Its competitive advantages include its local market knowledge, personalized service, and strong relationships with its customers.
Total Addressable Market (TAM)
The TAM includes all banking services in the Central Coast of California. Given the size and population density of this region it is estimated that the TAM is several billion dollars annually. Community West Bancshares has a small share of this TAM, giving it room to grow
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Good asset quality
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on local economy
- Lower technological resources.
Opportunities
- Expansion into new markets within California
- Increased lending to small and medium-sized businesses
- Growth in wealth management services
- Technological upgrades
Threats
- Increased competition from larger banks
- Economic downturn in California
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BANC
- CBU
- OZK
- WSBC
- FFWM
Competitive Landscape
Community West Bancshares operates in a highly competitive market. It faces competition from larger regional and national banks, as well as other community banks. Its success depends on its ability to provide personalized service and build strong relationships with its customers.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed by examining revenue, asset, and earnings growth over the past several years.
Future Projections: Future growth projections would depend on analyst estimates, which are not available without access to financial data providers. These estimates would factor in economic conditions, competitive landscape, and company-specific initiatives.
Recent Initiatives: Recent initiatives may include branch expansions, new product launches, or strategic acquisitions.
Summary
Community West Bancshares is a small community bank that operates in the Central Coast of California. Strengths include strong local market presence and experienced management. Weaknesses include its limited size compared to larger competitors and lack of geographic diversification. Recent economic changes and increased competition could impact its growth prospects. The company needs to continue innovating and providing great customer service.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- SEC Filings
- Third-party financial data providers (unavailable for this output)
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data may not be precise due to data limitations.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Community West Bancshares
Exchange NASDAQ | Headquaters Fresno, CA, United States | ||
IPO Launch date 1996-11-20 | CEO & Director Mr. James J. Kim | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 342 | |
Full time employees 342 | |||
Community West Bancshares operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. It also provides products, such as commercial and industrial loans, as well as loans secured by crop production and livestock; commercial real estate construction and other land loans, real estate collateral secured by commercial or professional properties with repayment arising from the owner's business cash flows, investor commercial real estate loans, farmland, and multi-family loans; 1-4 family close-ended, revolving real estate loans, and residential construction loans; manufactured housing loans; and equity loans, lines of credit, and installment and other consumer loans. In addition, the company offers domestic and international wire transfer, inquiry, account status, bill paying, account transfers, cash management, and other customary banking services. The company was formerly known as Central Valley Community Bancorp and changed its name to Community West Bancshares in April 2024. Community West Bancshares was founded in 1979 and is based in Fresno, California.
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