Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CWBC
HOLDFLAGCommunity West Bancshares · Financial Services · United States · $678M · Avg Vol: $12M/d
Community West Bancshares has strong momentum M74 and quality Q57 with a buyback on file, but value at V42 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
Community West Bancshares is the bank holding company for Community West Bank, a premier regional bank serving California's Central Coast. The bank specializes in relationship-based commercial banking, offering customized lending, agricultural financing, and cash management services to small-to-medium enterprises. Its competitive advantage is driven by deep community ties, a highly localized decision-making process, and a strong market share in a wealthy, economically diverse geographic region.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 83.2M | 87.7M | 114.2M | 144.2M | 20.1% | 146.6M | 199.5M | 232.7M | 27.0% |
| EPS | 0.98 | 0.95 | 0.45 | 2.01 | 27.0% | 2.16 | 2.52 | 2.99 | 22.0% |
| Shares | 27.1M | 27.1M | 19.0M | 19.2M | -29.4% | — | — | — | — |
| Debt | 115.6M | 149.7M | 203.3M | 142.5M | 7.2% | 103.2M | — | — | — |
| Equity | 174.7M | 207.1M | 362.7M | 409.6M | 32.9% | — | — | — | — |
| Op CF | 23.7M | 27.5M | 22.2M | 46.1M | 24.9% | 46.0M | — | — | — |
| Inv CF | -197.1M | 24.5M | 64.5M | -160.5M | — | — | — | — | — |
| Fin CF | 41.1M | -29.5M | -20.0M | 113.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CWBC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CWBC | Community West Bancshares(you) | $678M | 65 | HOLD |
| MSBI | Midland States Bancorp, Inc. | $669M | 62 | HOLD |
| SFST | Southern First Bancshares, Inc. | $582M | 64 | HOLD |
| BCAL | California BanCorp | $676M | 69 | BUY |
| BHB | Bar Harbor Bankshares | $654M | 68 | BUY |
| NFBK | Northfield Bancorp, Inc. | $639M | 61 | HOLD |
| CCBG | Capital City Bank Group, Inc. | $882M | 65 | BUY |
| SMBC | Southern Missouri Bancorp, Inc. | $855M | 67 | BUY |
| GSBC | Great Southern Bancorp, Inc. | $863M | 67 | BUY |
| SPFI | South Plains Financial, Inc. | $841M | 68 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%