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Upturn AI SWOT - About
CWBC 
Community West Bancshares (CWBC)
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Upturn Advisory Summary
09/11/2025: 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 $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 37.27% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 406.33M USD | Price to earnings Ratio 14.45 | 1Y Target Price 22.67 |
Price to earnings Ratio 14.45 | 1Y Target Price 22.67 | ||
Volume (30-day avg) 4 | Beta 0.89 | 52 Weeks Range 15.37 - 22.45 | Updated Date 09/12/2025 |
52 Weeks Range 15.37 - 22.45 | Updated Date 09/12/2025 | ||
Dividends yield (FY) 2.29% | Basic EPS (TTM) 1.47 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 14.45 | Forward PE 9.42 | Enterprise Value 427920992 | Price to Sales(TTM) 3.06 |
Enterprise Value 427920992 | Price to Sales(TTM) 3.06 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 19130500 | Shares Floating 15233050 |
Shares Outstanding 19130500 | Shares Floating 15233050 | ||
Percent Insiders 13.07 | Percent Institutions 51.69 |
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 community banking services in the Central Coast region of California. The bank has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a variety of lending products including commercial real estate loans, business loans, and lines of credit. Provides deposit services such as checking, savings, and money market accounts.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgage loans, and consumer loans. Offers online and mobile banking services.
- Wealth Management: Offers investment advisory services, trust services, and retirement planning to individuals and businesses.
Leadership and Structure
Martin E. Plourd serves as the Chief Executive Officer. The company has a board of directors overseeing its strategic direction and management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data specific to Community West Bancshares is unavailable. Competitors include larger regional and national banks as well as credit unions.
- Business Loans and Lines of Credit: Loans and lines of credit to small and medium-sized businesses. Market share data specific to Community West Bancshares is unavailable. Competitors include larger regional and national banks as well as credit unions.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Specific market share data is unavailable. Competitors include larger regional and national banks as well as credit unions and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and technological disruption. Community banks face competition from larger institutions and fintech companies.
Positioning
Community West Bancshares focuses on serving small to medium-sized businesses and individuals in the Central Coast region of California. Its competitive advantage lies in its local market knowledge, personalized service, and strong community relationships.
Total Addressable Market (TAM)
TAM for community banking in the Central Coast of California is estimated to be in the billions. Community West Bancshares aims to capture a larger share of this market through organic growth and strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong presence in the Central Coast region of California
- Experienced management team
- Strong community relationships
- Sound asset quality
Weaknesses
- Smaller size compared to larger regional and national banks
- Limited geographic diversification
- Reliance on a specific geographic market
- Higher operating costs compared to larger banks
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturns
- Increased regulatory burden
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- U.S. Bancorp (USB)
Competitive Landscape
Community West Bancshares faces stiff competition from larger national and regional banks, as well as credit unions. Its smaller size and local focus can be both an advantage (personalized service) and a disadvantage (limited resources).
Growth Trajectory and Initiatives
Historical Growth: Historical data unavailable. Review investor relations section.
Future Projections: Future growth projections unavailable. Review investor relations section and analyst reports.
Recent Initiatives: Recent initiatives unavailable. Review investor relations section.
Summary
Community West Bancshares is a community bank with a strong presence in the Central Coast of California. While the bank has a dedicated customer base and sound asset quality, it faces competition from larger institutions. To enhance its growth, Community West Bancshares needs to strategically adopt digital solutions and selectively pursue new markets. The bank should be cautious about rising interest rates and economic downturns, which could potentially impact its financial performance and profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and estimates are subject to change. Please consult with a qualified financial advisor before making any investment decisions.
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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