Download PDF

1. Company Snapshot

1.a. Company Description

Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California.The company offers deposit products, such as checking accounts, savings accounts, money market accounts, and fixed rate and fixed maturity certificates of deposit; and cash management products.It also provides commercial, commercial real estate, consumer, manufactured housing, and small business administration loans, as well as agricultural loans for real estate and operating lines; home equity lines of credit collateralized by residential real estate; single family real estate loans; and installment loans consisting of automobile and general-purpose loans.


The company serves small to medium-sized businesses and their owners, professionals, high-net worth individuals, and non-profit organizations.It operates through a network of seven branch banking offices in Goleta, Santa Barbara, Santa Maria, Ventura, San Luis Obispo, Oxnard, and Paso Robles.Community West Bancshares was founded in 1989 and is headquartered in Goleta, California.

Show Full description

1.b. Last Insights on CWBC

Community West Bancshares' recent earnings release revealed a disappointing Q4 2024 performance, with earnings per share (EPS) of $0.38, missing the consensus estimate of $0.45. This decline in EPS from $0.50 a year ago indicates a weakening profitability trend. Furthermore, the company's revenue performance was also subpar, failing to meet expectations. The decline in net interest income and increased non-interest expenses were likely major contributors to this underperformance."

1.c. Company Highlights

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

Request Coverage

3. NewsRoom

Card image cap

Community West Bancshares Receives Regulatory Approvals to Merge With United Security Bancshares

Mar -16

Source: businesswire.com

Card image cap

Community West Bank Announces Retirement of Chief Operating Officer, Blaine C. Lauhon

Mar -03

Source: businesswire.com

Card image cap

United Homes Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of United Homes Group, Inc. - UHG

Feb -24

Source: businesswire.com

Card image cap

Community West Bancshares Announces Retirement of Board Member William S. Smittcamp Following 39 Years of Service

Feb -20

Source: businesswire.com

Card image cap

Insider Buying: Community West Bancshares (NASDAQ:CWBC) Director Acquires $11,645.00 in Stock

Feb -02

Source: defenseworld.net

Card image cap

Are You Looking for a Top Momentum Pick? Why Community West Bancshares (CWBC) is a Great Choice

Jan -29

Source: zacks.com

Card image cap

New Strong Buy Stocks for January 28th

Jan -28

Source: zacks.com

Card image cap

Best Value Stocks to Buy for January 28th

Jan -28

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.77%)

6. Segments

Banking and Related Activities

Expected Growth: 4.77%

Community West Bancshares' 4.77% growth in Banking and Related Activities is driven by increasing loan demand, expansion of commercial banking services, and strategic acquisitions. Additionally, the bank's focus on digital transformation, cost savings initiatives, and a favorable interest rate environment have contributed to its growth.

7. Detailed Products

Commercial Loans

Community West Bancshares offers a range of commercial loans to support businesses of all sizes, including lines of credit, term loans, and construction loans.

Residential Loans

The company provides a variety of residential loan options, including fixed-rate and adjustable-rate mortgages, refinancing, and home equity loans.

Deposit Services

Community West Bancshares offers a range of deposit services, including checking and savings accounts, certificates of deposit, and individual retirement accounts.

Treasury Management

The company provides treasury management services, including cash management, wire transfers, and account reconciliation.

Online Banking

Community West Bancshares offers online banking services, allowing customers to manage their accounts, pay bills, and transfer funds online.

Mobile Banking

The company provides mobile banking services, enabling customers to access their accounts, deposit checks, and transfer funds on-the-go.

8. Community West Bancshares's Porter Forces

Forces Ranking

Threat Of Substitutes

Community West Bancshares operates in a niche market, providing financial services to small and medium-sized businesses. While there are substitutes available, the bank's strong relationships with its customers and its ability to provide personalized services reduce the threat of substitutes.

Bargaining Power Of Customers

Community West Bancshares' customers are primarily small and medium-sized businesses, which have limited bargaining power. The bank's strong relationships with its customers and its ability to provide personalized services reduce the bargaining power of customers.

Bargaining Power Of Suppliers

Community West Bancshares has a diversified supplier base, which reduces the bargaining power of suppliers. The bank's strong financial position and its ability to negotiate with suppliers also reduce the bargaining power of suppliers.

Threat Of New Entrants

The banking industry is heavily regulated, and new entrants face significant barriers to entry. Community West Bancshares' strong brand recognition and its ability to provide personalized services reduce the threat of new entrants.

Intensity Of Rivalry

The banking industry is highly competitive, and Community West Bancshares faces competition from other banks and financial institutions. However, the bank's strong relationships with its customers and its ability to provide personalized services reduce the intensity of rivalry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 42.33%
Debt Cost 8.30%
Equity Weight 57.67%
Equity Cost 8.30%
WACC 8.30%
Leverage 73.39%

11. Quality Control: Community West Bancshares passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Community West

A-Score: 6.2/10

Value: 6.6

Growth: 3.9

Quality: 6.8

Yield: 6.0

Momentum: 6.0

Volatility: 8.0

1-Year Total Return ->

View Full Report
Stock-Card
Unity Bancorp

A-Score: 6.2/10

Value: 6.0

Growth: 7.4

Quality: 7.6

Yield: 2.0

Momentum: 7.0

Volatility: 7.0

1-Year Total Return ->

View Full Report
Stock-Card
Heritage Commerce

A-Score: 6.0/10

Value: 3.7

Growth: 3.7

Quality: 7.5

Yield: 8.0

Momentum: 6.0

Volatility: 7.0

1-Year Total Return ->

View Full Report
Stock-Card
Origin Bancorp

A-Score: 5.9/10

Value: 5.6

Growth: 5.3

Quality: 6.8

Yield: 4.0

Momentum: 6.0

Volatility: 7.7

1-Year Total Return ->

View Full Report
Stock-Card
Southside Bancshares

A-Score: 5.7/10

Value: 5.9

Growth: 5.6

Quality: 5.4

Yield: 7.0

Momentum: 2.5

Volatility: 8.0

1-Year Total Return ->

View Full Report
Stock-Card
German American Bancorp

A-Score: 5.7/10

Value: 6.4

Growth: 4.8

Quality: 5.8

Yield: 5.0

Momentum: 3.5

Volatility: 8.7

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

22.55$

Current Price

22.55$

Potential

-0.00%

Expected Cash-Flows