What is Community West Bancshares's earnings per share (EPS)?

Community West Bancshares (CWBC) reported diluted earnings per share of $2.00 for fiscal year 2025. This represents a 344.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Community West Bancshares Financials

CWBC

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Community West Bancshares (CWBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CWBC FY2025 2026-05-08

Earning power here comes from balance-sheet efficiency rather than product-style margins: FY2025 shows a large asset base converting back into profits.

FY2025's net income rebound happened with interest expense still near $50M, so the recovery came from the existing balance sheet earning better rather than from a lighter funding burden. ROA climbed from 0.2% to 1.0%, reinforcing that asset productivity recovered even though the balance sheet stayed large.

Cash conversion was stronger than the income statement alone suggests in FY2025: operating cash flow of $46.1M exceeded net income of $38.2M. With only $2.5M of capital spending, free cash flow was not being absorbed by heavy physical reinvestment, so cash generation depends more on managing earning assets and funding costs than on replacing equipment.

This is now a meaningfully larger balance sheet business, with assets rising from $2.4B in FY2023 to $3.7B in FY2025. Goodwill increased to $96.8M and financing cash flow was $113.0M in FY2025, pointing to expansion that depended partly on external capital and purchased assets rather than only retained profits.

Financial Health Signals

Financial Profile 48/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Community West Bancshares's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Community West Bancshares's revenue surged 15.8% year-over-year to $185.7M, reflecting rapid business expansion. This strong growth earns a score of 91/100.

Leverage

Community West Bancshares carries a low D/E ratio of 0.17, meaning only $0.17 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Community West Bancshares converts 23.5% of revenue into free cash flow ($43.6M). This strong cash generation earns a score of 71/100.

Returns

Community West Bancshares generates a 9.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is up from 2.1% the prior year.

Piotroski F-Score Neutral

6/9

Community West Bancshares passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.21x

For every $1 of reported earnings, Community West Bancshares generates $1.21 in operating cash flow ($46.1M OCF vs $38.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$185.7M

YoY+15.8%

5Y CAGR+23.0%

10Y CAGR+16.1%

Community West Bancshares generated $185.7M in revenue in fiscal year 2025. This represents an increase of 15.8% from the prior year.

EBITDA

N/A

Net Income

$38.2M

YoY+397.9%

5Y CAGR+13.4%

10Y CAGR+13.3%

Community West Bancshares reported $38.2M in net income in fiscal year 2025. This represents an increase of 397.9% from the prior year.

EPS (Diluted)

$2.00

YoY+344.4%

5Y CAGR+4.3%

10Y CAGR+7.2%

Community West Bancshares earned $2.00 per diluted share (EPS) in fiscal year 2025. This represents an increase of 344.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$43.6M

YoY+154.1%

5Y CAGR+23.0%

10Y CAGR+10.0%

Community West Bancshares generated $43.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 154.1% from the prior year.

Cash & Debt

$119.0M

YoY-1.2%

5Y CAGR+11.1%

10Y CAGR+2.3%

Community West Bancshares held $119.0M in cash against $69.5M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.48

YoY+0.0%

5Y CAGR+1.8%

10Y CAGR+10.3%

Community West Bancshares paid $0.48 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY-100.0%

Community West Bancshares had 0 shares outstanding in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

20.5%

YoY+15.8pp

5Y CAGR-10.3pp

10Y CAGR-5.7pp

Community West Bancshares's net profit margin was 20.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 15.8 percentage points from the prior year.

Return on Equity

9.3%

YoY+7.2pp

5Y CAGR+1.0pp

10Y CAGR+1.4pp

Community West Bancshares's ROE was 9.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 7.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$151K

YoY+297.4%

5Y CAGR-57.6%

Community West Bancshares spent $151K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 297.4% from the prior year.

Capital Expenditures

$2.5M

YoY-50.2%

5Y CAGR+11.0%

10Y CAGR+13.0%

Community West Bancshares invested $2.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 50.2% from the prior year.

CWBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$185.7M+15.8%	$160.4M+56.6%	$102.4M+23.4%	$83.0M+12.4%	$73.9M+11.9%	$66.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$49.8M+2.8%	$48.5M+54.5%	$31.4M+8.5%	$28.9M+0.7%	$28.7M+0.4%	$28.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$49.5M-1.0%	$50.0M+150.2%	$20.0M+484.1%	$3.4M+162.8%	$1.3M-18.4%	$1.6M
Income Tax	$14.4M+331.0%	$3.3M-59.9%	$8.3M-2.3%	$8.5M-11.6%	$9.6M+39.1%	$6.9M
Net Income	$38.2M+397.9%	$7.7M-71.2%	$26.6M0.0%	$26.6M-6.2%	$28.4M+39.6%	$20.3M
EPS (Diluted)	$2.00+344.4%	$0.45-79.3%	$2.17-4.4%	$2.27-1.7%	$2.31+42.6%	$1.62

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$47.9M+0.5%	$47.7M+1.6%	$46.9M+1.9%	$46.0M+2.0%	$45.1M-0.7%	$45.5M+0.4%	$45.3M+2.9%	$44.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.8M+5.5%	$12.1M-3.4%	$12.5M+2.2%	$12.3M-5.4%	$13.0M+2.3%	$12.7M-7.6%	$13.7M+1.9%	$13.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.9M-0.2%	$11.9M-0.3%	$11.9M-6.1%	$12.7M-1.8%	$13.0M-3.7%	$13.5M-10.7%	$15.1M+0.9%	$14.9M
Income Tax	$4.2M+1.6%	$4.2M-1.0%	$4.2M+43.6%	$2.9M-4.7%	$3.1M+1.7%	$3.0M+289.5%	$775K+148.8%	-$1.6M
Net Income	$11.5M+2.9%	$11.2M+2.7%	$10.9M+38.8%	$7.8M-5.6%	$8.3M+20.3%	$6.9M+103.7%	$3.4M+153.8%	-$6.3M
EPS (Diluted)	$0.60	N/A	$0.57+39.0%	$0.41-6.8%	$0.44	N/A	$0.18+154.5%	$-0.33

CWBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.7B+4.8%	$3.5B+44.7%	$2.4B+0.5%	$2.4B-1.1%	$2.5B+22.3%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$119.0M-1.2%	$120.4M+124.1%	$53.7M+72.4%	$31.2M-80.9%	$163.5M+132.6%	$70.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$96.8M0.0%	$96.8M+80.1%	$53.8M0.0%	$53.8M0.0%	$53.8M0.0%	$53.8M
Total Liabilities	$3.3B+3.9%	$3.2B+41.9%	$2.2B-1.0%	$2.2B+2.1%	$2.2B+25.2%	$1.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$69.5M-0.5%	$69.9M+0.2%	$69.7M	N/A	N/A	N/A
Total Equity	$409.6M+12.9%	$362.7M+75.2%	$207.1M+21.1%	$170.9M-31.0%	$247.8M+1.2%	$245.0M
Retained Earnings	$239.0M+13.8%	$210.0M-0.3%	$210.5M+8.3%	$194.4M+12.1%	$173.4M+15.0%	$150.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.7B+0.3%	$3.7B+2.2%	$3.6B+1.0%	$3.6B+0.7%	$3.6B+0.9%	$3.5B-0.3%	$3.5B+1.3%	$3.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$130.3M+9.5%	$119.0M-2.1%	$121.6M-9.5%	$134.4M-9.4%	$148.4M+23.3%	$120.4M-19.2%	$149.0M+35.9%	$109.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$96.8M0.0%	$96.8M0.0%	$96.8M0.0%	$96.8M0.0%	$96.8M0.0%	$96.8M+0.5%	$96.4M0.0%	$96.4M
Total Liabilities	$3.3B+0.1%	$3.3B+2.1%	$3.2B+0.6%	$3.2B+0.5%	$3.2B+0.7%	$3.2B-0.3%	$3.2B+1.1%	$3.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$69.5M	N/A	N/A	N/A	$69.9M	N/A	N/A
Total Equity	$419.2M+2.3%	$409.6M+3.0%	$397.6M+4.6%	$380.0M+2.1%	$372.2M+2.6%	$362.7M-0.2%	$363.5M+3.8%	$350.2M
Retained Earnings	$248.2M+3.8%	$239.0M+3.9%	$230.1M+3.9%	$221.5M+2.6%	$216.0M+2.9%	$210.0M+2.3%	$205.4M+0.5%	$204.3M

CWBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$46.1M+107.7%	$22.2M-19.3%	$27.5M+16.3%	$23.7M-44.8%	$42.9M+152.2%	$17.0M
Capital Expenditures	$2.5M-50.2%	$5.0M-48.6%	$9.8M+2608.8%	$362K-65.5%	$1.0M-29.7%	$1.5M
Free Cash Flow	$43.6M+154.1%	$17.2M-3.1%	$17.7M-24.0%	$23.3M-44.2%	$41.8M+169.8%	$15.5M
Investing Cash Flow	-$160.5M-349.0%	$64.5M+163.0%	$24.5M+112.4%	-$197.1M+46.0%	-$365.1M+2.0%	-$372.6M
Financing Cash Flow	$113.0M+664.7%	-$20.0M+32.2%	-$29.5M-171.7%	$41.1M-90.1%	$415.5M+11.3%	$373.3M
Dividends Paid	$14.2M+1.4%	$14.0M+101.1%	$7.0M-81.7%	$38.0M+560.1%	$5.8M+4.1%	$5.5M
Share Buybacks	$151K+297.4%	$38K+3700.0%	$1K-100.0%	$6.8M-50.0%	$13.6M+23.2%	$11.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$10.9M+5.8%	$10.3M-21.9%	$13.2M+14.5%	$11.5M+4.2%	$11.1M+112.8%	$5.2M-33.0%	$7.8M+48.5%	$5.2M
Capital Expenditures	$2.7M+234.4%	$813K+91.7%	$424K-55.6%	$955K+201.3%	$317K-80.5%	$1.6M-35.9%	$2.5M+477.2%	$439K
Free Cash Flow	$8.2M-13.7%	$9.5M-25.6%	$12.8M+20.9%	$10.6M-1.6%	$10.8M+200.7%	$3.6M-31.6%	$5.2M+9.2%	$4.8M
Investing Cash Flow	-$4.4M+94.6%	-$82.5M-113.5%	-$38.6M+4.0%	-$40.2M-5103.5%	$804K+103.9%	-$20.5M-1793.6%	$1.2M-97.8%	$55.9M
Financing Cash Flow	$4.8M-93.0%	$69.6M+452.0%	$12.6M-14.1%	$14.7M-8.9%	$16.1M+221.2%	-$13.3M-143.8%	$30.4M+345.7%	-$12.4M
Dividends Paid	$2.3M-68.7%	$7.3M+219.6%	$2.3M+0.3%	$2.3M+0.5%	$2.3M-71.7%	$8.0M+253.8%	$2.3M+0.4%	$2.3M
Share Buybacks	$57K	$0	$0-100.0%	$71K-11.3%	$80K	$0-100.0%	$19K0.0%	$19K

CWBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	20.5%+15.8pp	4.8%-21.2pp	26.0%-6.1pp	32.1%-6.3pp	38.5%+7.6pp	30.8%
Return on Equity	9.3%+7.2pp	2.1%-10.8pp	12.9%-2.7pp	15.6%+4.1pp	11.5%+3.2pp	8.3%
Return on Assets	1.0%+0.8pp	0.2%-0.9pp	1.1%0.0pp	1.1%-0.1pp	1.2%+0.1pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.17-0.0	0.19-0.1	0.34-12.8	13.15+4.3	8.89+1.7	7.18
FCF Margin	23.5%+12.8pp	10.7%-6.6pp	17.3%-10.8pp	28.1%-28.5pp	56.6%+33.1pp	23.5%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.0%+0.6pp	23.4%+0.3pp	23.2%+6.2pp	17.0%-1.4pp	18.4%+3.2pp	15.2%+7.7pp	7.5%+21.8pp	-14.3%
Return on Equity	2.7%0.0pp	2.7%0.0pp	2.7%+0.7pp	2.1%-0.2pp	2.2%+0.3pp	1.9%+1.0pp	0.9%+2.7pp	-1.8%
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.1pp	0.1%+0.3pp	-0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.83+7.7	0.17-7.9	8.09-0.3	8.41-0.1	8.55+8.4	0.19-8.5	8.71-0.2	8.95
FCF Margin	17.1%-2.8pp	20.0%-7.3pp	27.3%+4.3pp	23.0%-0.9pp	23.8%+16.0pp	7.9%-3.7pp	11.5%+0.7pp	10.9%

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Frequently Asked Questions

What is Community West Bancshares's annual revenue?

Community West Bancshares (CWBC) reported $185.7M in total revenue for fiscal year 2025. This represents a 15.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Community West Bancshares's revenue growing?

Community West Bancshares (CWBC) revenue grew by 15.8% year-over-year, from $160.4M to $185.7M in fiscal year 2025.

Is Community West Bancshares profitable?

Yes, Community West Bancshares (CWBC) reported a net income of $38.2M in fiscal year 2025, with a net profit margin of 20.5%.

How much debt does Community West Bancshares have?

As of fiscal year 2025, Community West Bancshares (CWBC) had $119.0M in cash and equivalents against $69.5M in long-term debt.

What is Community West Bancshares's net profit margin?

Community West Bancshares (CWBC) had a net profit margin of 20.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Community West Bancshares pay dividends?

Yes, Community West Bancshares (CWBC) paid $0.48 per share in dividends during fiscal year 2025.

What is Community West Bancshares's return on equity (ROE)?

Community West Bancshares (CWBC) has a return on equity of 9.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Community West Bancshares's free cash flow?

Community West Bancshares (CWBC) generated $43.6M in free cash flow during fiscal year 2025. This represents a 154.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Community West Bancshares's operating cash flow?

Community West Bancshares (CWBC) generated $46.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Community West Bancshares's total assets?

Community West Bancshares (CWBC) had $3.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Community West Bancshares's capital expenditures?

Community West Bancshares (CWBC) invested $2.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Community West Bancshares buy back shares?

Yes, Community West Bancshares (CWBC) spent $151K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Community West Bancshares have outstanding?

Community West Bancshares (CWBC) had 0 shares outstanding as of fiscal year 2025.

What is Community West Bancshares's debt-to-equity ratio?

Community West Bancshares (CWBC) had a debt-to-equity ratio of 0.17 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Community West Bancshares's return on assets (ROA)?

Community West Bancshares (CWBC) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Community West Bancshares's Piotroski F-Score?

Community West Bancshares (CWBC) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Community West Bancshares's earnings high quality?

Community West Bancshares (CWBC) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Community West Bancshares?

Community West Bancshares (CWBC) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.