Community West Bancshares - Understand $cwbc stock

$CWBC Market Cap: $417 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$114.9M

TTM

Gross Margin

Net Earnings

$6.665M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$3.531B

Q3 2024

Total Liabilities

$3.168B

Q3 2024

Book Value

$363.5M

Q3 2024

Cash

$149.0M

Q3 2024

P/E

62.56

Nov 29, 2024 EST

Free Cash Flow

$2.757M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	$102.4M	$82.99M	$73.86M	$66.02M	$66.33M	$64.19M	$57.38M	$46.68M	$41.82M	$41.04M	$34.84M	$31.82M	$34.30M	$36.01M	$40.73M
YoY Change	23.41%	12.36%	11.87%	-0.47%	3.34%	11.87%	22.92%	11.61%	1.91%	17.81%	9.48%	-7.23%	-4.76%	-11.59%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$102.4M	$82.99M	$73.86M	$66.02M	$66.33M	$64.19M	$57.38M	$46.68M	$41.82M	$41.04M	$34.84M	$31.82M	$34.30M	$36.01M	$40.73M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$891.0K	$755.0K	$897.0K	$881.0K	$1.742M	$1.703M	$1.429M	$1.320M	$1.392M	$1.355M	$1.133M	$972.0K	$1.212M	$1.262M	$2.290M	$1.560M	$1.500M	$1.620M	$2.370M	$2.110M	$2.850M	$2.190M	$1.950M	$1.970M	$2.230M	$1.810M	$1.730M	$520.0K
YoY Change	18.01%	-15.83%	1.82%	-49.43%	2.29%	19.17%	8.26%	-5.17%	2.73%	19.59%	16.56%	-19.8%	-3.96%	-44.89%	46.79%	4.0%	-7.41%	-31.65%	12.32%	-25.96%	30.14%	12.31%	-1.02%	-11.66%	23.2%	4.62%	232.69%	67.74%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$19.99M	$3.422M	$1.302M	$1.595M	$2.559M	$1.484M	$1.137M	$1.096M	$1.047M	$1.156M	$1.385M	$1.883M	$2.942M	$4.283M	$6.627M
YoY Change	484.13%	162.83%	-18.37%	-37.67%	72.44%	30.52%	3.74%	4.68%	-9.43%	-16.53%	-26.45%	-36.0%	-31.31%	-35.37%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$33.84M	$35.14M	$38.02M	$27.26M	$29.95M	$27.91M	$23.82M	$22.10M	$13.55M	$4.724M	$9.597M	$9.205M	$8.338M	$2.910M	$1.912M	$7.490M	$9.450M	$10.21M	$9.390M	$5.640M	$4.870M	$4.030M	$3.650M	$2.680M	$930.0K	$60.00K	$1.010M	$1.890M
YoY Change	-3.7%	-7.57%	39.46%	-8.98%	7.32%	17.17%	7.78%	63.14%	186.75%	-50.78%	4.26%	10.4%	186.53%	52.2%	-74.47%	-20.74%	-7.44%	8.73%	66.49%	15.81%	20.84%	10.41%	36.19%	188.17%	1450.0%	-94.06%	-46.56%	8.62%
Income Tax	$8.304M	$8.496M	$9.616M	$6.914M	$8.509M	$6.620M	$9.793M	$6.917M	$2.582M	-$570.0K	$1.347M	$1.685M	$1.861M	-$369.0K	-$676.0K	$2.350M	$3.170M	$3.300M	$3.340M	$1.940M	$1.500M	$1.250M	$1.280M	$900.0K	$210.0K	-$150.0K	$240.0K	$690.0K
% Of Pretax Income	24.54%	24.18%	25.29%	25.36%	28.41%	23.72%	41.11%	31.3%	19.06%	-12.07%	14.04%	18.31%	22.32%	-12.68%	-35.36%	31.38%	33.54%	32.32%	35.57%	34.4%	30.8%	31.02%	35.07%	33.58%	22.58%	-250.0%	23.76%	36.51%
Net Earnings	$25.54M	$26.65M	$28.40M	$20.35M	$21.44M	$21.29M	$14.03M	$15.18M	$10.96M	$5.294M	$8.250M	$7.520M	$6.477M	$3.279M	$2.588M	$5.140M	$6.280M	$6.910M	$6.040M	$3.700M	$3.370M	$2.780M	$2.380M	$1.750M	$720.0K	-$390.0K	$560.0K	$1.200M
YoY Change	-4.16%	-6.18%	39.58%	-5.11%	0.72%	51.78%	-7.61%	38.47%	107.1%	-35.83%	9.71%	16.1%	97.53%	26.7%	-49.65%	-18.15%	-9.12%	14.4%	63.24%	9.79%	21.22%	16.81%	36.0%	143.06%	-284.62%	-169.64%	-53.33%	18.81%
Net Earnings / Revenue	24.93%	32.11%	38.45%	30.82%	32.33%	33.17%	24.45%	32.53%	26.22%	12.9%	23.68%	23.63%	18.88%	9.11%	6.35%
Basic Earnings Per Share	$2.17	$2.27	$2.32	$1.62	$1.60	$1.55	$1.12	$1.34	$1.00	$0.48	$0.77	$0.75	$0.63	$0.31	$0.29
Diluted Earnings Per Share	$2.17	$2.270M	$2.31	$1.62	$1.59	$1.54	$1.10	$1.33	$1.00	$0.48	$0.77	$0.75	$0.63	$0.31	$0.28	$794.4K	$985.9K	$1.066M	$940.8K	$633.6K	$595.4K	$507.3K	$444.0K	$333.3K	$137.7K	-$74.14K	$107.5K	$0.31

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$22.35M	$7.987M	$15.70M	$16.40M	$7.600M	$8.500M	$9.400M	$9.400M	$9.300M	$9.900M	$10.50M	$6.300M	$5.900M	$5.800M	$6.500M	$6.900M	$5.800M	$4.700M	$2.900M	$2.700M	$3.000M	$3.400M	$3.100M	$4.500M	$3.900M	$4.100M	$2.900M	$2.400M
YoY Change	179.87%	-49.13%	-4.27%	115.79%	-10.59%	-9.57%	0.0%	1.08%	-6.06%	-5.71%	66.67%	6.78%	1.72%	-10.77%	-5.8%	18.97%	23.4%	62.07%	7.41%	-10.0%	-11.76%	9.68%	-31.11%	15.38%	-4.88%	41.38%	20.83%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$38.46M	$43.38M	$6.300M	$4.700M	$8.700M	$11.20M	$8.000M	$15.50M	$10.20M	$8.700M	$13.60M
YoY Change	-11.34%	588.52%	34.04%	-45.98%	-22.32%	40.0%	-48.39%	51.96%	17.24%	-36.03%
Total Long-Term Assets
YoY Change
Total Assets	$2.433B	$2.423B	$2.450B	$2.004B	$1.597B	$1.538B	$1.662B	$1.443B	$1.277B	$1.192B	$1.146B	$890.2M	$849.0M	$777.6M	$765.5M	$752.7M	$483.7M	$500.1M	$483.7M	$368.1M	$327.9M	$283.0M	$219.1M	$202.2M	$167.0M	$175.1M	$173.9M	$80.90M
YoY Change
Accounts Payable	$25.89M	$32.61M	$32.10M	$22.30M	$30.20M	$20.60M	$21.30M	$17.80M	$16.00M	$16.80M	$16.30M	$12.00M	$19.40M	$10.60M	$9.900M	$11.80M	$6.900M	$6.400M	$4.700M	$3.900M	$3.600M	$3.600M	$3.100M	$2.500M	$1.800M	$1.900M
YoY Change	-20.62%	1.59%	43.95%	-26.16%	46.6%	-3.29%	19.66%	11.25%	-4.76%	3.07%	35.83%	-38.14%	83.02%	7.07%	-16.1%	71.01%	7.81%	36.17%	20.51%	8.33%	0.0%	16.13%	24.0%	38.89%	-5.26%
Accrued Expenses	$9.120M	$11.45M	$8.000M	$8.900M	$6.300M
YoY Change	-20.34%	43.11%	-10.11%	41.27%
Deferred Revenue
YoY Change
Short-Term Debt					$0.00	$10.00M	$0.00	$400.0K			$0.00	$4.000M	$0.00	$10.00M	$5.000M	$6.400M	$20.00M	$3.300M	$3.300M	$2.000M	$7.000M	$2.000M	$1.000M	$0.00	$300.0K	$6.000M
YoY Change					-100.0%		-100.0%				-100.0%		-100.0%	100.0%	-21.88%	-68.0%	506.06%	0.0%	65.0%	-71.43%	250.0%	100.0%		-100.0%	-95.0%
Long-Term Debt Due				$0.00
YoY Change
Total Short-Term Liabilities	$35.01M	$32.61M	$40.10M	$31.20M	$30.20M	$20.60M	$21.30M	$17.80M	$16.00M	$16.80M	$16.30M	$12.00M	$19.40M	$10.60M	$9.900M	$11.80M	$6.900M	$6.400M	$4.700M	$3.900M	$3.600M	$3.600M	$3.100M	$2.500M	$1.800M	$1.900M
YoY Change	7.34%	-18.68%	28.53%	3.31%	46.6%	-3.29%	19.66%	11.25%	-4.76%	3.07%	35.83%	-38.14%	83.02%	7.07%	-16.1%	71.01%	7.81%	36.17%	20.51%	8.33%	0.0%	16.13%	24.0%	38.89%	-5.26%
Long-Term Debt	$69.74M	$69.60M	$39.50M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$9.200M	$9.200M	$19.20M	$24.20M	$0.00	$0.00	$3.300M	$6.500M	$0.00	$7.000M	$2.000M	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.21%	76.2%	659.62%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-43.48%	0.0%	-52.08%	-20.66%			-100.0%	-49.23%		-100.0%	250.0%
Other Long-Term Liabilities	$18.80M	$8.500M	$10.40M	$9.200M	$9.700M	$10.10M	$6.700M	$4.000M	$4.400M	$3.200M	$3.900M	$3.000M	$2.600M	$4.000M	$3.500M	$4.900M	$5.000M	$6.000M	$4.400M	$5.000M	$4.600M	$5.600M	$5.000M	$4.500M	$2.100M	$2.500M	$3.600M	$200.0K
YoY Change	121.19%	-18.27%	13.04%	-5.15%	-3.96%	50.75%	67.5%	-9.09%	37.5%	-17.95%	30.0%	15.38%	-35.0%	14.29%	-28.57%	-2.0%	-16.67%	36.36%	-12.0%	8.7%	-17.86%	12.0%	11.11%	114.29%	-16.0%	-30.56%	1700.0%
Total Long-Term Liabilities	$69.74M	$69.60M	$39.50M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$5.200M	$9.200M	$9.200M	$19.20M	$24.20M	$0.00	$0.00	$3.300M	$6.500M	$0.00	$7.000M	$2.000M	$0.00	$0.00	$0.00	$3.600M	$200.0K
YoY Change	0.21%	76.2%	659.62%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-43.48%	0.0%	-52.08%	-20.66%			-100.0%	-49.23%		-100.0%	250.0%				-100.0%	1700.0%
Total Liabilities	$2.226B	$2.248B	$2.202B	$1.759B	$1.369B	$1.318B	$1.452B	$1.279B	$1.137B	$1.061B	$1.026B	$772.6M	$741.5M	$680.2M	$674.3M	$677.3M	$429.5M	$450.3M	$442.2M	$338.5M	$301.2M	$258.9M	$198.2M	$183.5M	$151.2M	$159.9M	$156.3M	$70.80M
YoY Change	-0.96%	2.07%	25.19%	28.53%	3.83%	-9.23%	13.51%	12.48%	7.19%	3.46%	32.75%	4.19%	9.01%	0.87%	-0.44%	57.69%	-4.62%	1.83%	30.64%	12.38%	16.34%	30.63%	8.01%	21.36%	-5.44%	2.3%	120.76%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	11.73M shares	11.72M shares	12.24M shares	12.53M shares	13.42M shares	13.70M shares	12.47M shares	11.33M shares	10.93M shares	10.92M shares	10.25M shares	9.588M shares	9.522M shares	9.210M shares
Diluted Shares Outstanding	11.75M shares	11.74M shares	12.28M shares	12.58M shares	13.51M shares	13.83M shares	12.72M shares	11.44M shares	11.02M shares	11.00M shares	10.31M shares	9.616M shares	9.539M shares	9.291M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $416.99 Million

About Community West Bancshares

Community West Bancshares is a US-based company operating in Banks industry. The company is headquartered in Fresno, California and currently employs 356 full-time employees. Community West Bancshares, formerly Central Valley Community Bancorp, is a financial services company. The firm is the holding company for Community West Bank (the Bank), the publicly traded community bank (by assets). The principal business activities of the Company are relationship banking, manufactured housing lending and government guaranteed lending. Its personal banking services include checking, savings, personal loans, real estate loans, personal credit cards, online banking, mobile banking, bill pay, Zelle, eStatements, Certificates of Deposit (CDs) & money markets, Visa Debit Cards and IRAs. Its business banking services include business loans, agriculture loans, SBA loans, real estate loans, business credit cards, cash management services, business online banking, merchant card services and others. The Bank operates 27 full-service Banking Centers throughout Central California from Sacramento in the north, throughout the San Joaquin Valley and west to the Coast.

Industry: State Commercial Banks Peers: Bank7 Corp. EVANS BANCORP INC FIDELITY D & D BANCORP INC NORWOOD FINANCIAL CORP Orange County Bancorp, Inc. /DE/ PNC FINANCIAL SERVICES GROUP, INC. River Financial Corp