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 (CWBC) Financials

CWBC

Trailing 12 months to June 30, 2026

Revenue $208.6M +14.6% YoY

Net Income $36.2M +37.2% YoY

EPS (Diluted) $1.85 +29.4% YoY

Free Cash Flow $47.9M +59.2% YoY

Market Cap $711.9M as of Sep 2, 2026

Price / Sales 3.4x on $208.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 19.7x on $36.2M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $607.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CWBC SEC filings page.

Community West Bancshares (CWBC) reported $208.6M in revenue over the twelve months to Jun 30, 2026, up 14.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-08-29

Funding-cost sensitivity dominates the earnings pattern: balance-sheet growth supports recovery only when interest expense stops consuming revenue.

In FY2025, revenue reached $185.7M while interest expense remained near $49.5M, a combination that helped net income recover sharply from the prior year's depressed level. The pattern points to funding cost, rather than asset growth alone, as the key swing factor in reported profitability.

The recovery was accompanied by operating cash flow of $46.1M and free cash flow of $43.6M. In FY2024, those figures were $22.2M and $17.2M, so cash generation moved closer to reported earnings instead of lagging them.

Assets expanded to $3.7B in FY2025, yet equity rose to $409.6M, so the latest expansion was not funded solely by additional liabilities. Liabilities still represented the dominant funding base, while reported debt-to-equity fell to 0.2x from 0.3x in FY2023, indicating that this debt measure captures only part of the balance-sheet leverage.

Financial Health Signals

Financial Health Score 57/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.

Earnings

Community West Bancshares earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.2% the prior year. Earnings ranks banks on that return over three years, and Community West Bancshares scores 43/100 among other banks.

Growth

Community West Bancshares reported revenue of $185.7M in fiscal year 2025, against $160.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Community West Bancshares scores 88/100 among other banks.

Capital

Community West Bancshares funded 11.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $409.6M of equity against $3.7B of assets. Capital ranks banks on that cushion, and Community West Bancshares scores 47/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Community West Bancshares scores 57/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Community West Bancshares scores 66/100 on it among other banks.

Stability

Community West Bancshares reported net income of $38.2M in fiscal year 2025, against $7.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Community West Bancshares scores 38/100 among other banks.

Piotroski F-Score Partial

6/7

Community West Bancshares passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 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

$66.1M

YoY+43.7%

QoQ+38.1%

5Y CAGR+29.2%

10Y CAGR+19.1%

Community West Bancshares generated $66.1M in revenue in Q2 2026. This represents an increase of 43.7% from the same quarter a year earlier. Against the prior quarter it is up 38.1%.

Net Income

$2.7M

YoY-65.6%

QoQ-76.5%

5Y CAGR-18.6%

10Y CAGR-7.8%

Community West Bancshares reported $2.7M in net income in Q2 2026. This represents a decrease of 65.6% from the same quarter a year earlier. Against the prior quarter it is down 76.5%.

EPS (Diluted)

$0.10

YoY-75.6%

QoQ-83.3%

5Y CAGR-30.1%

10Y CAGR-15.7%

Community West Bancshares earned $0.10 per diluted share (EPS) in Q2 2026. This represents a decrease of 75.6% from the same quarter a year earlier. Against the prior quarter it is down 83.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$17.5M

YoY+65.1%

QoQ+112.8%

5Y CAGR-3.7%

10Y CAGR+20.6%

Community West Bancshares generated $17.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 65.1% from the same quarter a year earlier. Against the prior quarter it is up 112.8%.

Cash & Debt

$206.8M

YoY+53.9%

QoQ+58.7%

5Y CAGR+11.4%

10Y CAGR+10.0%

Community West Bancshares held $206.8M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.12

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR+7.2%

Community West Bancshares paid $0.12 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

27M

YoY+41.8%

QoQ0.0%

5Y CAGR+17.7%

10Y CAGR+9.4%

Community West Bancshares had 27M shares outstanding in Q2 2026. This represents an increase of 41.8% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

4.1%

YoY-12.9pp

QoQ-19.9pp

5Y CAGR-37.1pp

10Y CAGR-48.8pp

Community West Bancshares's net profit margin was 4.1% in Q2 2026, showing the share of revenue converted to profit. This is down 12.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 19.9 percentage points.

Return on Equity

0.4%

YoY-1.6pp

QoQ-2.3pp

5Y CAGR-2.6pp

10Y CAGR-3.4pp

Community West Bancshares's ROE was 0.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$170K

YoY+139.4%

QoQ+198.2%

5Y CAGR-48.8%

Community West Bancshares spent $170K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 139.4% from the same quarter a year earlier. Against the prior quarter it is up 198.2%.

Capital Expenditures

$2.1M

YoY+120.9%

QoQ-22.4%

5Y CAGR+42.4%

10Y CAGR+41.8%

Community West Bancshares invested $2.1M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 120.9% from the same quarter a year earlier. Against the prior quarter it is down 22.4%.

R&D Spending

Not reported for Q2 2026.

CWBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CWBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$208.6M	$185.7M+15.8%	$160.4M+56.6%	$102.4M+23.4%	$83.0M+12.4%	$73.9M+11.9%	$66.0M-0.5%	$66.3M+3.3%	$64.2M+11.9%	$57.4M+22.9%	$46.7M+11.6%	$41.8M+1.9%	$41.0M+17.8%	$34.8M+9.5%	$31.8M-7.2%	$34.3M
SG&A Expenses	$53.7M	$49.8M+2.8%	$48.5M+54.5%	$31.4M+8.5%	$28.9M+0.7%	$28.7M+0.4%	$28.6M+7.3%	$26.7M+1.7%	$26.2M+6.0%	$24.7M+13.1%	$21.9M+5.0%	$20.8M+5.7%	$19.7M+13.2%	$17.4M+11.7%	$15.6M-1.0%	$15.8M
Interest Expense	$50.9M	$49.5M-1.0%	$50.0M+150.2%	$20.0M+484.1%	$3.4M+162.8%	$1.3M-18.4%	$1.6M-37.7%	$2.6M+72.4%	$1.5M+30.5%	$1.1M+3.7%	$1.1M+4.7%	$1.0M-9.4%	$1.2M-16.5%	$1.4M-26.4%	$1.9M-36.0%	$2.9M
Income Tax	$14.1M	$14.4M+331.0%	$3.3M-59.9%	$8.3M-2.3%	$8.5M-11.6%	$9.6M+39.1%	$6.9M-18.7%	$8.5M+28.5%	$6.6M-32.4%	$9.8M+41.6%	$6.9M+167.9%	$2.6M+553.0%	-$570K-142.3%	$1.3M-20.1%	$1.7M-9.5%	$1.9M
Net Income	$36.2M	$38.2M+397.9%	$7.7M-71.2%	$26.6M0.0%	$26.6M-6.2%	$28.4M+39.6%	$20.3M-5.1%	$21.4M+0.7%	$21.3M+51.8%	$14.0M-7.6%	$15.2M+38.5%	$11.0M+107.1%	$5.3M-35.8%	$8.3M+9.7%	$7.5M+16.1%	$6.5M
EPS (Basic)	N/A	$2.01+346.7%	$0.45-79.3%	$2.17-4.4%	$2.27-2.2%	$2.32+43.2%	$1.62+1.3%	$1.60+3.2%	$1.55+38.4%	$1.12-16.4%	$1.34+34.0%	$1.00+108.3%	$0.48-37.7%	$0.77+2.7%	$0.75+19.0%	$0.63
EPS (Diluted)	$1.85	$2.00+344.4%	$0.45-79.3%	$2.17-4.4%	$2.27-1.7%	$2.31+42.6%	$1.62+1.9%	$1.59+3.2%	$1.54+40.0%	$1.10-17.3%	$1.33+33.0%	$1.00+108.3%	$0.48-37.7%	$0.77+2.7%	$0.75+19.0%	$0.63
Diluted Shares (Avg)	N/A	19M+11.0%	17M+46.2%	12M+0.1%	12M-4.4%	12M-2.3%	13M-6.9%	14M-2.3%	14M+8.7%	13M+11.3%	11M+3.8%	11M+0.1%	11M+6.7%	10M+7.2%	10M+0.8%	10M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$66.1M+43.7%	$47.9M+6.1%	$47.7M+4.8%	$46.9M+3.5%	$46.0M+4.6%	$45.1M+76.1%	$45.5M+76.1%	$45.3M+71.1%
SG&A Expenses	$16.3M+33.1%	$12.8M-1.5%	$12.1M-4.5%	$12.5M-8.6%	$12.3M-8.9%	$13.0M+50.0%	$12.7M+60.7%	$13.7M+83.4%
Interest Expense	$15.2M+19.5%	$11.9M-8.2%	$11.9M-11.5%	$11.9M-20.7%	$12.7M-14.9%	$13.0M+97.7%	$13.5M+135.8%	$15.1M+153.8%
Income Tax	$1.5M-49.8%	$4.2M+37.6%	$4.2M+37.8%	$4.2M+442.3%	$2.9M+284.4%	$3.1M+173.0%	$3.0M+67.4%	$775K-63.1%
Net Income	$2.7M-65.6%	$11.5M+38.5%	$11.2M+62.0%	$10.9M+221.2%	$7.8M+224.5%	$8.3M+125.6%	$6.9M-1.5%	$3.4M-47.0%
EPS (Basic)	$0.10-75.6%	$0.60+36.4%	$0.59+47.5%	$0.57+216.7%	$0.41+224.2%	$0.44+41.9%	$0.40-20.0%	$0.18-66.7%
EPS (Diluted)	$0.10-75.6%	$0.60+36.4%	$0.58+45.0%	$0.57+216.7%	$0.41+224.2%	$0.44	$0.40-20.0%	$0.18
Diluted Shares (Avg)	27M+42.4%	19M+0.6%	N/A	19M+0.7%	19M+0.6%	19M	N/A	19M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CWBC Balance Sheet

CWBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.7B+4.8%	$3.5B+44.7%	$2.4B+0.5%	$2.4B-1.1%	$2.5B+22.3%	$2.0B+25.5%	$1.6B+3.8%	$1.5B-7.5%	$1.7B+15.1%	$1.4B+13.0%	$1.3B+7.1%	$1.2B+4.1%	$1.1B+28.7%	$890.2M+4.9%	$849.0M
Cash & Equivalents	$119.0M-1.2%	$120.4M+124.1%	$53.7M+72.4%	$31.2M-80.9%	$163.5M+132.6%	$70.3M+33.7%	$52.6M+65.7%	$31.7M-68.4%	$100.4M+160.3%	$38.6M-59.2%	$94.6M+22.4%	$77.3M-31.0%	$112.1M+111.6%	$53.0M+18.2%	$44.8M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$96.8M0.0%	$96.8M+80.1%	$53.8M0.0%	$53.8M0.0%	$53.8M0.0%	$53.8M0.0%	$53.8M0.0%	$53.8M0.0%	$53.8M+33.7%	$40.2M0.0%	$40.2M+34.5%	$29.9M0.0%	$29.9M+26.9%	$23.6M0.0%	$23.6M
Total Liabilities	$3.3B+3.9%	$3.2B+41.9%	$2.2B-1.0%	$2.2B+2.1%	$2.2B+25.2%	$1.8B+28.5%	$1.4B+3.8%	$1.3B-9.2%	$1.5B+13.5%	$1.3B+12.5%	$1.1B+7.2%	$1.1B+3.5%	$1.0B+32.8%	$772.6M+4.2%	$741.5M
Long-Term Debt	$69.5M-0.5%	$69.9M+0.2%	$69.7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$4.0M
Total Equity	$409.6M+12.9%	$362.7M+75.2%	$207.1M+21.1%	$170.9M-31.0%	$247.8M+1.2%	$245.0M+7.4%	$228.1M+3.8%	$219.7M+4.9%	$209.6M+27.8%	$164.0M+17.7%	$139.3M+6.3%	$131.0M+9.2%	$120.0M+2.0%	$117.7M+9.5%	$107.5M
Retained Earnings	$239.0M+13.8%	$210.0M-0.3%	$210.5M+8.3%	$194.4M+12.1%	$173.4M+15.0%	$150.7M+10.9%	$135.9M+13.0%	$120.3M+16.3%	$103.4M+11.3%	$92.9M+15.5%	$80.4M+12.6%	$71.5M+4.5%	$68.3M+9.4%	$62.5M+12.0%	$55.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$5.0B+40.7%	$3.7B+4.2%	$3.7B+4.8%	$3.6B+2.3%	$3.6B+2.6%	$3.6B+47.1%	$3.5B+44.7%	$3.5B+45.0%
Cash & Equivalents	$206.8M+53.9%	$130.3M-12.2%	$119.0M-1.2%	$121.6M-18.4%	$134.4M+22.5%	$148.4M+143.4%	$120.4M+124.1%	$149.0M+99.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$154.6M+59.7%	$96.8M0.0%	$96.8M0.0%	$96.8M+0.5%	$96.8M+0.5%	$96.8M+80.1%	$96.8M+80.1%	$96.4M+79.2%
Total Liabilities	$4.4B+38.5%	$3.3B+3.2%	$3.3B+3.9%	$3.2B+1.5%	$3.2B+2.0%	$3.2B+44.3%	$3.2B+41.9%	$3.2B+40.6%
Long-Term Debt	N/A	N/A	$69.5M-0.5%	N/A	N/A	N/A	$69.9M+0.2%	N/A
Total Equity	$607.8M+60.0%	$419.2M+12.6%	$409.6M+12.9%	$397.6M+9.4%	$380.0M+8.5%	$372.2M+75.8%	$362.7M+75.2%	$363.5M+100.1%
Retained Earnings	$247.6M+11.8%	$248.2M+14.9%	$239.0M+13.8%	$230.1M+12.1%	$221.5M+8.5%	$216.0M+1.5%	$210.0M-0.3%	$205.4M-0.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

CWBC Cash Flow Statement

CWBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$54.0M	$46.1M+107.7%	$22.2M-19.3%	$27.5M+16.3%	$23.7M-44.8%	$42.9M+152.2%	$17.0M-21.8%	$21.7M-27.4%	$29.9M+18.6%	$25.2M+94.0%	$13.0M-25.8%	$17.5M+2.1%	$17.2M+10.1%	$15.6M+114.6%	$7.3M-64.7%	$20.6M
Depreciation & Amortization	N/A	$3.3M+48.6%	$2.2M+147.6%	$891K+18.0%	$755K-15.8%	$897K+1.8%	$881K-49.4%	$1.7M+2.3%	$1.7M+19.2%	$1.4M+8.3%	$1.3M-5.2%	$1.4M+2.7%	$1.4M+19.6%	$1.1M+16.6%	$972K-19.8%	$1.2M
Stock-Based Compensation	N/A	$1.2M+31.7%	$879K+2.4%	$858K+10.6%	$776K+38.1%	$562K+19.6%	$470K-15.3%	$555K+15.1%	$482K+25.5%	$384K+35.2%	$284K+19.3%	$238K+37.6%	$173K+76.5%	$98K-9.3%	$108K-44.9%	$196K
Capital Expenditures	$6.1M	$2.5M-50.2%	$5.0M-48.6%	$9.8M+2608.8%	$362K-65.5%	$1.0M-29.7%	$1.5M+70.3%	$876K+10.7%	$791K-7.9%	$859K-0.2%	$861K+16.2%	$741K-44.2%	$1.3M+14.6%	$1.2M-14.3%	$1.4M+8.6%	$1.2M
Free Cash Flow	$47.9M	$43.6M+154.1%	$17.2M-3.1%	$17.7M-24.0%	$23.3M-44.2%	$41.8M+169.8%	$15.5M-25.7%	$20.8M-28.4%	$29.1M+19.5%	$24.4M+100.7%	$12.1M-27.7%	$16.8M+6.0%	$15.8M+9.7%	$14.4M+144.2%	$5.9M-69.4%	$19.3M
Investing Cash Flow	-$125.4M	-$160.5M-349.0%	$64.5M+163.0%	$24.5M+112.4%	-$197.1M+46.0%	-$365.1M+2.0%	-$372.6M-1680.3%	-$20.9M-153.6%	$39.0M-16.1%	$46.5M+168.1%	-$68.3M+9.4%	-$75.4M+11.0%	-$84.8M-279.8%	-$22.3M+39.1%	-$36.6M+71.7%	-$129.6M
Financing Cash Flow	$143.9M	$113.0M+664.7%	-$20.0M+32.2%	-$29.5M-171.7%	$41.1M-90.1%	$415.5M+11.3%	$373.3M+1761.5%	$20.1M+114.6%	-$137.6M-1289.6%	-$9.9M-1275.3%	-$720K-101.0%	$75.2M+128.7%	$32.9M-50.0%	$65.8M+75.3%	$37.5M-28.9%	$52.8M
Dividends Paid	$15.2M	$14.2M+1.4%	$14.0M+101.1%	$7.0M-81.7%	$38.0M+560.1%	$5.8M+4.1%	$5.5M-4.7%	$5.8M+35.9%	$4.3M+41.9%	$3.0M+10.9%	$2.7M+37.2%	$2.0M-9.6%	$2.2M+6.9%	$2.0M+326.7%	$480K	$0
Share Buybacks	$227K	$151K+297.4%	$38K+3700.0%	$1K-100.0%	$6.8M-50.0%	$13.6M+23.2%	$11.1M-29.2%	$15.6M+1647.1%	$894K	N/A	N/A	N/A	$0	$0	$0	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$19.6M+69.7%	$10.9M-1.3%	$10.3M+98.4%	$13.2M+70.2%	$11.5M+120.8%	$11.1M+175.1%	$5.2M+27.1%	$7.8M-2.6%
Stock-Based Compensation	$305K+4.5%	$278K-4.5%	N/A	$275K+8.7%	$292K+56.1%	$291K+60.8%	N/A	$253K+48.8%
Capital Expenditures	$2.1M+120.9%	$2.7M+757.7%	$813K-50.0%	$424K-83.3%	$955K+117.5%	$317K-28.1%	$1.6M-68.7%	$2.5M+88.3%
Free Cash Flow	$17.5M+65.1%	$8.2M-23.7%	$9.5M+165.9%	$12.8M+144.7%	$10.6M+121.1%	$10.8M+200.1%	$3.6M+422.9%	$5.2M-21.1%
Investing Cash Flow	$72K+100.2%	-$4.4M-649.4%	-$82.5M-302.0%	-$38.6M-3289.3%	-$40.2M-172.0%	$804K-97.1%	-$20.5M-659.2%	$1.2M+113.1%
Financing Cash Flow	$56.9M+287.4%	$4.8M-70.0%	$69.6M+622.9%	$12.6M-58.5%	$14.7M+218.7%	$16.1M+165.2%	-$13.3M+53.5%	$30.4M+157.5%
Dividends Paid	$3.3M+42.2%	$2.3M+0.9%	$7.3M-8.8%	$2.3M+1.0%	$2.3M+1.1%	$2.3M+60.5%	$8.0M+195.2%	$2.3M+60.4%
Share Buybacks	$170K+139.4%	$57K-28.7%	$0	$0-100.0%	$71K+273.7%	$80K	$0	$19K

Not reported in any period shown, so not listed: Depreciation & Amortization.

CWBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CWBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	20.5%+15.8pp	4.8%-21.2pp	26.0%-6.1pp	32.1%-6.3pp	38.5%+7.6pp	30.8%-1.5pp	32.3%-0.8pp	33.2%+8.7pp	24.4%-8.1pp	32.5%+6.3pp	26.2%+13.3pp	12.9%-10.8pp	23.7%+0.1pp	23.6%+4.8pp	18.9%
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%-1.1pp	9.4%-0.3pp	9.7%+3.0pp	6.7%-2.6pp	9.3%+1.4pp	7.9%+3.8pp	4.0%-2.8pp	6.9%+0.5pp	6.4%+0.4pp	6.0%
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%-0.3pp	1.3%0.0pp	1.4%+0.5pp	0.8%-0.2pp	1.1%+0.2pp	0.9%+0.4pp	0.4%-0.3pp	0.7%-0.1pp	0.8%+0.1pp	0.8%
Debt-to-Equity	0.170.0x	0.19-0.1x	0.34-12.8x	13.15+4.3x	8.89+1.7x	7.18+1.2x	6.000.0x	6.00-0.9x	6.93-0.9x	7.80-0.4x	8.16+0.1x	8.10-0.4x	8.54+2.0x	6.57+6.5x	0.04
Asset Turnover	0.050.0x	0.050.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.04
FCF Margin	23.5%+12.8pp	10.7%-6.6pp	17.3%-10.8pp	28.1%-28.5pp	56.6%+33.1pp	23.5%-8.0pp	31.4%-13.9pp	45.4%+2.9pp	42.5%+16.5pp	26.0%-14.1pp	40.1%+1.6pp	38.6%-2.9pp	41.4%+22.9pp	18.6%-37.8pp	56.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	4.1%-12.9pp	24.0%+5.6pp	23.4%+8.3pp	23.2%+15.7pp	17.0%+31.3pp	18.4%+4.0pp	15.2%-12.0pp	7.5%-16.7pp
Return on Equity	0.4%-1.6pp	2.7%+0.5pp	2.7%+0.8pp	2.7%+1.8pp	2.1%+3.9pp	2.2%+0.5pp	1.9%-1.5pp	0.9%-2.6pp
Return on Assets	0.1%-0.2pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.2pp	0.2%+0.4pp	0.2%+0.1pp	0.2%-0.1pp	0.1%-0.2pp
Debt-to-Equity	7.28-1.1x	7.83-0.7x	0.170.0x	8.09-0.6x	8.41-0.5x	8.55-1.9x	0.19-0.1x	8.71-3.7x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	26.4%+3.4pp	17.1%-6.7pp	20.0%+12.1pp	27.3%+15.7pp	23.0%+12.1pp	23.8%+9.8pp	7.9%+12.2pp	11.5%-13.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Community West Bancshares CWBC	FY2025	$185.7M	$38.2M	20.5%	$711.9M	57/100
Sierra Bancorp BSRR	FY2025	$171.4M	$42.3M	24.7%	$511.0M	41/100
Bank Marin Bancorp BMRC	FY2025	$152.4M	$26.5M	17.4%	$428.7M	30/100
Red River Bancshares RRBI	FY2025	$149.9M	$42.8M	28.5%	$659.4M	56/100
Bank7 BSVN	FY2025	$128.8M	$43.1M	33.5%	$489.8M	54/100

Where Community West Bancshares Ranks

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 19M 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 P/E ratio?

Community West Bancshares (CWBC) trades at 19.7x earnings, its market capitalization divided by net income of $36.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $711.9M as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Community West Bancshares's price-to-sales ratio?

Community West Bancshares (CWBC) trades at 3.4x sales, its market capitalization divided by revenue of $208.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $711.9M as of Sep 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Community West Bancshares (CWBC) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 57 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.