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Upturn AI SWOT - About
Community West Bancshares (CWBC)
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Upturn Advisory Summary
08/14/2025: CWBC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $22.67
1 Year Target Price $22.67
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 37.85% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 387.78M USD | Price to earnings Ratio 13.79 | 1Y Target Price 22.67 |
Price to earnings Ratio 13.79 | 1Y Target Price 22.67 | ||
Volume (30-day avg) 4 | Beta 0.82 | 52 Weeks Range 15.37 - 22.45 | Updated Date 08/15/2025 |
52 Weeks Range 15.37 - 22.45 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.36% | Basic EPS (TTM) 1.47 |
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.4775 | Actual 0.41 |
Profitability
Profit Margin 19.88% | Operating Margin (TTM) 34.81% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 7.23% |
Valuation
Trailing PE 13.79 | Forward PE 9.42 | Enterprise Value 410320928 | Price to Sales(TTM) 2.92 |
Enterprise Value 410320928 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 19130500 | Shares Floating 15012475 |
Shares Outstanding 19130500 | Shares Floating 15012475 | ||
Percent Insiders 13.05 | Percent Institutions 52.63 |
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 as the holding company for Community West Bank, providing banking services to individuals and businesses in California's Central Coast region. It has grown organically and through strategic initiatives, focusing on community banking principles.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management and trust services to individuals and families.
Leadership and Structure
Martin E. Plourd serves as the President and CEO. The company operates with a board of directors overseeing its strategic direction and management team executing day-to-day operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers a range of commercial loan products to businesses in its service area, primarily secured by real estate or other assets. Market share data not publicly available. Competitors include larger regional and national banks like Bank of America, Wells Fargo, and US Bank, as well as other community banks in the area.
- Real Estate Loans: Provides residential and commercial real estate loans. Market share data not publicly available. Competitors include mortgage brokers, credit unions, and other banks such as Wells Fargo and local community banks.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Market share data not publicly available. Competitors include all financial institutions offering deposit products.
Market Dynamics
Industry Overview
The banking industry is currently facing a dynamic environment, including interest rate volatility, regulatory changes, and increasing competition from fintech companies. Community banks are focusing on relationship banking and local market expertise.
Positioning
Community West Bancshares positions itself as a relationship-focused community bank, emphasizing local market knowledge and personalized service. Its competitive advantage lies in its responsiveness and commitment to the local community.
Total Addressable Market (TAM)
The total addressable market for community banking in California's Central Coast is estimated to be in the billions of dollars. Community West Bancshares is positioned to capture a portion of this market through its local presence and customer relationships. The exact TAM value is difficult to determine without access to proprietary market reports.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-focused banking approach
- Experienced management team
- Established presence in the Central Coast region
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger competitors
- Dependence on the local economy
- Limited access to capital compared to larger banks
Opportunities
- Expansion into new markets within California
- Increased demand for community banking services
- Partnerships with fintech companies
- Organic growth through new customer acquisition
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in California
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- BOH
- PACW
Competitive Landscape
Community West Bancshares competes with larger national and regional banks, as well as other community banks in its service area. Its competitive advantage lies in its local market expertise and personalized service.
Major Acquisitions
None
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Historical growth is based on previous financials. Check company financial reports for a historical growth trajectory.
Future Projections: Future Projections are based on available information. Check reports by analysts that cover this company to get a sense of what is expected.
Recent Initiatives: Recent initiatives would be based on the past year of information. Check company information and announcements.
Summary
Community West Bancshares is a smaller community bank with strong ties to the Central Coast of California. Its relationship-focused approach is a key strength, but it faces challenges from larger competitors and potential economic downturns. Growth opportunities exist through market expansion and partnerships, while regulatory changes could present threats. The company needs to maintain its local focus and improve access to capital.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance are subject to change. Financial data is based on current and historic reported financials and market estimates.
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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