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CWBC 
Community West Bancshares (CWBC)
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Upturn Advisory Summary
11/05/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $24
1 Year Target Price $24
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.46% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 410.14M USD | Price to earnings Ratio 11.77 | 1Y Target Price 24 |
Price to earnings Ratio 11.77 | 1Y Target Price 24 | ||
Volume (30-day avg) 4 | Beta 0.92 | 52 Weeks Range 15.28 - 22.33 | Updated Date 11/6/2025 |
52 Weeks Range 15.28 - 22.33 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 2.23% | Basic EPS (TTM) 1.82 |
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.52 | Actual 0.57 |
Profitability
Profit Margin 24.52% | Operating Margin (TTM) 40.48% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 8.91% |
Valuation
Trailing PE 11.77 | Forward PE 9.42 | Enterprise Value 378581856 | Price to Sales(TTM) 2.97 |
Enterprise Value 378581856 | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 4.12 | Enterprise Value to EBITDA - | Shares Outstanding 19138677 | Shares Floating 15218502 |
Shares Outstanding 19138677 | Shares Floating 15218502 | ||
Percent Insiders 13.18 | Percent Institutions 51.63 |
Upturn AI SWOT
Community West Bancshares
Company Overview
History and Background
Community West Bancshares was founded in 1989 and is headquartered in Goleta, California. It operates through its subsidiary, Community West Bank. The bank has grown organically and through strategic acquisitions, focusing on providing community banking services in California's Central Coast region.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including term loans, lines of credit, and commercial real estate financing to businesses of various sizes.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals and families.
- Wealth Management: Provides trust and investment management services.
Leadership and Structure
The leadership team includes Martin E. Plourd (President & CEO), Susan Thompson (CFO). The organizational structure is typical for a community bank, with departments for lending, retail banking, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offerings of Commercial Real Estate Loans. Competitors include larger national and regional banks and other community banks. Market share data is not readily available, but Community West focuses on the Central Coast region. Revenue data is not publicly broken down by individual loan type.
- Small Business Loans: Offerings of Small Business Loans (SBA). Competitors include larger national and regional banks and online lenders. Market share data is not readily available, but Community West focuses on the Central Coast region. Revenue data is not publicly broken down by individual loan type.
- Deposit Accounts: Offerings of Personal and Commercial Deposit Accounts. Competitors include larger national and regional banks and online banks. Market share data is not readily available, but Community West focuses on the Central Coast region. Revenue data is not publicly broken down by individual deposit account type.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory pressures. Community banks are focused on relationship banking and serving local communities.
Positioning
Community West Bancshares is positioned as a community-focused bank serving the Central Coast of California. Its competitive advantages include its local expertise, strong customer relationships, and personalized service.
Total Addressable Market (TAM)
The total addressable market is the banking sector in the Central Coast of California, estimated in the billions of dollars. Community West Bancshares has a small market share, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Relationship-focused banking model
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on net interest income
- Less technological innovation compared to bigger banks.
Opportunities
- Expansion into new markets within California
- Increased demand for community banking services
- Technological advancements to improve efficiency
- Attracting customers dissatisfied with larger banks
Threats
- Rising interest rates and economic downturn
- Increased competition from larger banks and fintech companies
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- CMA
- FFWM
Competitive Landscape
Community West Bancshares faces significant competition from larger national and regional banks. Its advantages include its local presence and personalized service, while its disadvantages include its smaller scale and limited resources.
Major Acquisitions
No Recent Significant Public Acquisitions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: No Recent Significant Public Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic initiatives. Community West Bancshares has focused on expanding its loan portfolio and deposit base.
Future Projections: Future growth is expected to be driven by continued expansion in California and potential acquisitions. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in technology and expansion of commercial lending activities.
Summary
Community West Bancshares is a small community bank operating in a competitive environment. While it benefits from a strong local presence and relationship-focused banking, its smaller size and limited resources pose challenges. Rising interest rates and competition from larger institutions are key threats, while opportunities lie in expanding within California and leveraging technology.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Databases
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are subject to change.
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 346 | |
Full time employees 346 | |||
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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