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what it is
Community West Bank lends to California businesses and handles their cash through 26 branches.
how it gets paid
Last year Community West Banc made $186M in revenue. Commercial lending was the main engine at $79M, or 42% of sales.
why it's growing
Revenue grew 15.8% last year. Revenue reached $138M, up 194% from a year earlier.
what just happened
CWBC's latest quarter printed $1.42 EPS, versus $0.45 for the full 2024 year.
At a glance
B+ balance sheet — decent shape, but not bulletproof
45/100 earnings predictability — expect surprises
13.0x trailing p/e — the market's not buying it — or you found a deal
2.1% dividend yield — cash in your pocket every quarter
$0.45 fy2024 eps est
xvary composite: 64/100 — average
What they do
Community West Bank lends to California businesses and handles their cash through 26 branches.
You get 26 branches across central California. That is 26 places to meet a banker, not one website inbox. With $3.61B in assets and 355 employees, CWBC wins by being local and reachable.
How they make money
$186M
annual revenue · their business grew +15.8% last year
Commercial lending
$79M
Real estate lending
$46M
Agribusiness lending
$18M
Cash management fees
$22M
Private banking and other fees
$21M
The products that matter
commercial and real estate lending
Commercial & Real Estate Loans
$2.54B loan portfolio
this $2.54B portfolio is the core earning asset inside a $3.69B balance sheet. If credit quality slips here, the whole story stops being about valuation and starts being about damage control.
core asset base
deposit gathering and branch banking
Retail Banking
california branch network
deposits fund the lending engine. You care because $142.7M of revenue comes from net interest income, which rises or falls with funding costs and loan yields.
funding base
fees and other banking income
Non-Interest Income
$43.3M · 23% of mix
this $43.3M bucket matters mostly because it is not spread income. It gives you some diversification, but not enough to overpower pressure in the core bank.
secondary stream
Key numbers
$3.61B
assets
Assets tell you the scale. At $3.61B, this is a small bank with enough size to matter, but not enough to hide mistakes.
13.0x
trailing p/e
trailing p/e → price divided by the last 12 months of earnings → you are paying 13 times profit, which is reasonable for a bank with a B+ balance sheet.
2.1%
dividend yield
Dividend yield → cash paid each year as a share of price → you earn $2.10 per $100 owned, which is nice if earnings stay stable.
$70M
long-term debt
Debt sits at $70M, or 14% of capital. That is manageable, but not a free pass if credit costs rise.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 60 / 100
- long-term debt $70M (14% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CWBC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
CWBC's latest quarter printed $1.42 EPS, versus $0.45 for the full 2024 year.
Revenue reached $138M, up 194% from a year earlier. That is a much faster line than the $186M annual revenue base and it says earnings are coming from a stronger quarter, not a prettier spreadsheet.
$138M
revenue
$1.42
eps
194%
revenue growth
latest quarter EPS
The $1.42 EPS quarter matters because it is more than 3x the $0.45 full-year 2024 estimate. That is the cleanest proof the business has more earning power than last year.
source: company earnings report, 2026
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What could go wrong
the biggest risk is specific and dated: the 2026-03-30 merger vote. You are not just underwriting a bank here. You are underwriting what happens if the deal logic changes.
high
merger vote binary outcome
shareholders vote on 2026-03-30. A yes or no result can reset the valuation immediately, regardless of whether the last quarter looked fine.
near-term trading can be driven more by the vote than by the 13.0x p/e or the 26.7% margin.
med
california concentration
you own a California lender. The branch footprint and the $2.54B loan portfolio live inside the same regional economy.
a local downturn does not hit one corner of the story. It hits the whole bank.
med
rate sensitivity
net interest income is $142.7M, or 77% of the mix. Funding costs, loan yields, and credit performance still do most of the earnings work.
if spread income weakens, non-interest income at $43.3M is too small to fully bail out the quarter.
med
earnings can still surprise you
earnings predictability is 45/100. That is low for a stock many readers will mentally file under quiet regional bank.
the multiple looks calmer than the underlying setup.
between the merger vote, the California concentration, and a revenue mix led 77% by net interest income, this is not a set-it-and-forget-it bank stock.
source: institutional data · regulatory filings · risk analysis
Pay attention to
catalyst
shareholder merger vote
2026-03-30 is the date that matters most right now. The result tells you whether this stays a stand-alone bank story.
metric
return on assets
1.06% is healthy enough. If that slips below 1.0%, the operating case gets much less interesting.
trend
net interest income mix
$142.7M of revenue comes from spread income. You want that core engine holding up, not getting eaten by deposit costs.
risk
california credit conditions
the loan book is regional. If the local economy weakens, the credit story changes faster than the headline p/e suggests.
Analyst rankings
earnings predictability
45 / 100
in human-speak, earnings are less dependable than you want from a supposedly sleepy bank stock.
balance sheet strength
B+
good enough to trust, not good enough to call bulletproof.
risk rank
2
safer than most stocks broadly, but broad risk ranks do not cancel deal risk.
source: institutional data
Institutional activity
institutional ownership data for CWBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$23
current price
n/a
target midpoint · n/a from current
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