NASDAQ : CWBC
Community West Bancshares — Financial statements
Financials · Banks - Regional · United States
Last price 26.1 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 708.21M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 202.24M | 159.89M | 130.17M | 69.80M | 55.91M | 54.08M |
| Interest Income on Investments | 27.61M | 25.82M | 30.22M | 32.62M | 27.08M | 19.78M |
| Total Interest Income | 229.85M | 185.71M | 160.39M | 102.42M | 82.99M | 73.86M |
| Interest Paid on Deposits | 49.05M | 42.63M | 40.67M | 15.53M | 1.20M | 1.04M |
| Interest Paid on Borrowings | 4.79M | 6.90M | 9.36M | 4.46M | 2.23M | 266.00K |
| Total Interest Expense | 53.84M | 49.53M | 50.02M | 19.99M | 3.42M | 1.30M |
| Net Interest Income | 176.01M | 136.18M | 110.37M | 82.43M | 79.57M | 72.55M |
| Gain (Loss) on Sale of Assets | -40.00K | -40.00K | 7.00K | 402.00K | 15.00K | 8.00K |
| Gain (Loss) on Sale of Investments | -5.92M | -41.00K | -4.20M | -907.00K | -1.73M | 501.00K |
| Other Non-Interest Income | 13.80M | 10.37M | 10.64M | 7.53M | 6.77M | 8.50M |
| Total Non-Interest Income | 7.85M | 10.29M | 6.45M | 7.02M | 5.05M | 9.01M |
| Revenues Before Loan Losses | 183.85M | 146.47M | 116.81M | 89.45M | 84.62M | 81.56M |
| Provision for Loan Losses | 6.82M | 3.75M | 11.11M | 309.00K | 995.00K | -4.43M |
| Revenue | 177.04M | 142.72M | 105.70M | 89.14M | 83.62M | 85.99M |
| Salaries and Employee Benefits | 57.00M | 49.00M | 47.94M | 30.91M | 28.46M | 28.53M |
| Occupancy Expenses | 9.58M | 7.51M | 6.39M | 3.00M | 2.64M | 2.44M |
| Federal Deposit Insurance | 1.99M | 1.99M | 1.84M | 1.31M | 851.00K | 831.00K |
| Amortization of Goodwill & Intangibles | 1.00M | 1.00M | 751.00K | 68.00K | 454.00K | 661.00K |
| Selling, General & Administrative | 19.52M | 19.60M | 18.08M | 13.21M | 11.70M | 11.40M |
| Other Non-Interest Expense | 25.94M | 10.48M | 10.09M | 5.61M | 4.38M | 4.12M |
| Total Non-Interest Expense | 115.03M | 89.59M | 85.09M | 54.11M | 48.48M | 47.98M |
| EBT Excluding Unusual Items | 62.01M | 53.13M | 20.61M | 35.03M | 35.14M | 38.02M |
| Pretax Income | 46.48M | 52.53M | 11.00M | 33.84M | 35.14M | 38.02M |
| Income Tax Expense | 13.06M | 14.36M | 3.33M | 8.30M | 8.50M | 9.62M |
| Net Income | 33.42M | 38.17M | 7.67M | 25.54M | 26.64M | 28.40M |
| Net Income to Common | 33.42M | 38.17M | 7.67M | 25.54M | 26.64M | 28.40M |
| Basic Shares Outstanding | 23.08M | 19.00M | 17.08M | 11.73M | 11.72M | 12.24M |
| Diluted Shares Outstanding | 23.15M | 19.07M | 17.18M | 11.75M | 11.74M | 12.28M |
| EPS (Basic) | 1.45 | 2.01 | 0.45 | 2.18 | 2.27 | 2.32 |
| EPS (Diluted) | 1.44 | 2.00 | 0.45 | 2.17 | 2.27 | 2.31 |
| Dividend Per Share | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.47 |
| Effective Tax Rate | 28.11% | 27.34% | 30.30% | 24.54% | 24.18% | 25.29% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 178.26M | 118.98M | 120.40M | 53.73M | 31.17M | 163.47M |
| Investment Securities | 834.24M | 430.33M | 445.97M | 498.36M | 428.33M | 588.97M |
| Mortgage-Backed Securities | 356.18M | 367.01M | 407.93M | 532.16M | 527.66M | |
| Total Investments | 834.24M | 786.51M | 812.98M | 906.29M | 960.49M | 1.12B |
| Gross Loans | 3.56B | 2.54B | 2.33B | 1.29B | 1.26B | 1.04B |
| Allowance for Loan Losses | -48.63M | -30.07M | -25.80M | -14.65M | -10.85M | -9.60M |
| Net Loans | 3.51B | 2.51B | 2.31B | 1.28B | 1.25B | 1.03B |
| Property, Plant & Equipment | 47.79M | 33.95M | 33.98M | 22.35M | 18.62M | 15.69M |
| Goodwill | 155.09M | 96.83M | 96.83M | 53.78M | 53.78M | 53.78M |
| Other Intangible Assets | 30.85M | 8.27M | 9.27M | 522.00K | ||
| Accrued Interest Receivable | 158.37M | 11.62M | 10.74M | 4.75M | 10.55M | 9.39M |
| Long-Term Deferred Tax Assets | 37.46M | 46.42M | 38.46M | 43.38M | 6.30M | |
| Other Real Estate Owned & Foreclosed | 34.00K | |||||
| Other Long-Term Assets | 76.98M | 74.90M | 71.76M | 70.79M | 52.92M | 49.26M |
| Total Assets | 5.01B | 3.69B | 3.52B | 2.43B | 2.42B | 2.45B |
| Interest Bearing Deposits | 2.72B | 1.97B | 1.88B | 1.07B | 1.03B | 1.14B |
| Institutional Deposits | 62.46M | 53.36M | 24.26M | 13.34M | 20.13M | |
| Non-Interest Bearing Deposits | 1.50B | 1.06B | 980.82M | 951.54M | 1.06B | 963.58M |
| Total Deposits | 4.22B | 3.10B | 2.91B | 2.04B | 2.10B | 2.12B |
| Short-Term Borrowings | 41.00M | 73.00M | 45.00M | 80.00M | 46.00M | |
| Current Portion of Long-Term Debt | 88.44M | |||||
| Current Portion of Leases | 3.74M | |||||
| Accrued Interest Payable | 74.51M | 20.80M | 20.87M | 25.89M | 794.00K | 202.00K |
| Long-Term Leases | 7.87M | 10.31M | 9.12M | 11.45M | 7.96M | |
| Trust Preferred Securities | 74.91M | 69.53M | 69.89M | 69.74M | 69.60M | 39.45M |
| Other Long-Term Liabilities | 10.52M | 13.79M | 20.37M | 31.88M | ||
| Total Liabilities | 4.41B | 3.28B | 3.16B | 2.23B | 2.25B | 2.20B |
| Common Stock | 396.11M | 210.22M | 207.82M | 62.55M | 61.49M | 66.82M |
| Retained Earnings | 252.43M | 238.99M | 209.98M | 210.55M | 194.40M | 173.39M |
| Comprehensive Income & Other | -46.35M | -39.62M | -55.12M | -66.03M | -81.23M | 7.63M |
| Shareholders' Equity | 602.19M | 409.59M | 362.69M | 207.06M | 174.66M | 247.84M |
| Total Liabilities & Equity | 5.01B | 3.69B | 3.52B | 2.43B | 2.42B | 2.45B |
| Total Debt | 115.91M | 154.13M | 213.65M | 158.86M | 127.05M | 47.42M |
| Net Cash (Debt) | 62.35M | -35.15M | -93.25M | -105.14M | -95.88M | 116.05M |
| Net Cash Per Share | 2.69 | -1.84 | -5.43 | -8.95 | -8.17 | 9.45 |
| Filing Date Shares Outstanding | 27.13M | 19.17M | 19.05M | 11.83M | 11.75M | 11.82M |
| Total Common Shares Outstanding | 27.13M | 19.16M | 18.97M | 11.82M | 11.74M | 11.92M |
| Book Value Per Share | 22.19 | 21.37 | 19.11 | 17.52 | 14.88 | 20.80 |
| Tangible Book Value | 416.25M | 304.49M | 256.59M | 153.29M | 120.88M | 193.55M |
| Tangible Book Value Per Share | 15.34 | 15.89 | 13.52 | 12.97 | 10.30 | 16.24 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 38.17M | 7.67M | 25.54M | 26.64M | 28.40M | |
| Depreciation & Amortization | 12.32M | 11.74M | 9.82M | 10.27M | 9.00M | |
| Other Amortization | 145.00K | 145.00K | 145.00K | 145.00K | ||
| Gain (Loss) on Sale of Assets | 1.00K | -7.00K | -402.00K | -15.00K | -8.00K | |
| Gain (Loss) on Sale of Investments | -170.00K | 4.26M | 816.00K | 2.59M | -283.00K | |
| Provision for Credit Losses | 3.75M | 11.11M | 309.00K | 995.00K | -4.43M | |
| Accrued Interest Receivable | 4.92M | 982.00K | -8.87M | -7.36M | -2.21M | |
| Change in Other Net Operating Assets | -291.00K | -1.52M | -249.00K | -1.41M | 2.64M | |
| Other Operating Activities | -8.16M | -6.99M | -2.10M | -1.82M | 61.00K | |
| Operating Cash Flow | 46.12M | 22.20M | 27.53M | 23.67M | 42.85M | |
| Capital Expenditures | -2.51M | -5.04M | -9.81M | -362.00K | -1.05M | |
| Sale of Property, Plant and Equipment | 117.00K | 22.00K | 3.26M | 15.00K | 9.00K | |
| Cash Acquisitions | 58.52M | |||||
| Investment in Securities | 38.42M | 125.85M | 67.00M | 19.85M | -414.83M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -196.74M | -113.08M | -34.97M | -216.00M | 60.74M | |
| Other Investing Activities | 206.00K | -1.80M | -967.00K | -574.00K | -10.00M | |
| Investing Cash Flow | -160.51M | 64.47M | 24.52M | -197.07M | -365.14M | |
| Short-Term Debt Issued | 1.47B | 972.00M | 3.41B | 2.45B | ||
| Long-Term Debt Issued | 116.50M | 30.00M | 34.30M | |||
| Total Debt Issued | 1.47B | 972.00M | 3.53B | 2.48B | 34.30M | |
| Short-Term Debt Repaid | -1.53B | -962.00M | -3.42B | -2.41B | ||
| Long-Term Debt Repaid | -508.00K | -45.00M | -71.50M | |||
| Total Debt Repaid | -1.53B | -1.01B | -3.49B | -2.41B | ||
| Net Debt Issued (Repaid) | -62.51M | -35.00M | 34.00M | 76.00M | 34.30M | |
| Issuance of Common Stock | 1.40M | 713.00K | 206.00K | 705.00K | 461.00K | |
| Repurchase of Common Stock | -151.00K | -38.00K | -1.00K | -6.81M | -13.62M | |
| Common Dividends Paid | -9.16M | -8.23M | -5.66M | -5.64M | -5.76M | |
| Net Increase (Decrease) in Deposit Accounts | 183.39M | 22.55M | -58.04M | -23.15M | 400.09M | |
| Financing Cash Flow | 112.97M | -20.00M | -29.49M | 41.10M | 415.47M | |
| Net Cash Flow | -1.41M | 66.67M | 22.56M | -132.30M | 93.19M | |
| Free Cash Flow | 43.61M | 17.16M | 17.72M | 23.31M | 41.81M | |
| Free Cash Flow Margin | 30.56% | 16.24% | 19.88% | 27.88% | 48.62% | |
| Free Cash Flow Per Share | 2.29 | 1.00 | 1.51 | 1.99 | 3.40 | |
| Cash Interest Paid | 46.26M | 48.77M | 20.00M | 2.83M | 1.17M | |
| Cash Income Tax Paid | 8.01M | 2.57M | 7.70M | 8.31M | 8.15M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 719.07M | 431.06M | 366.98M | 264.06M | 248.48M | 248.99M |
| Last Close Price | 25.79 | 22.18 | 18.62 | 20.95 | 19.29 | 18.45 |
| PE Ratio | 18.38 | 11.29 | 47.87 | 10.34 | 9.33 | 8.77 |
| PS Ratio | 4.06 | 3.02 | 3.47 | 2.96 | 2.97 | 2.90 |
| PB Ratio | 1.16 | 1.05 | 1.01 | 1.27 | 1.42 | 1.00 |
| P/FCF Ratio | 14.98 | 9.88 | 21.38 | 14.90 | 10.66 | 5.96 |
| P/OCF Ratio | 13.29 | 9.35 | 16.53 | 9.59 | 10.50 | 5.81 |
| Debt / Equity Ratio | 0.19 | 0.38 | 0.59 | 0.77 | 0.73 | 0.19 |
| Debt / FCF Ratio | 3.53 | 12.45 | 8.96 | 5.45 | 1.13 | |
| Net Debt / Equity Ratio | -0.10 | 0.09 | 0.26 | 0.51 | 0.55 | -0.47 |
| Net Debt / FCF Ratio | 0.81 | 5.43 | 5.93 | 4.11 | -2.78 | |
| Return on Equity (ROE) | 6.69% | 9.88% | 2.69% | 13.38% | 12.61% | 11.53% |
| Return on Assets (ROA) | 0.78% | 1.06% | 0.26% | 1.05% | 1.09% | 1.27% |
| Earnings Yield | 5.44% | 8.85% | 2.09% | 9.67% | 10.72% | 11.41% |
| FCF Yield | 6.68% | 10.12% | 4.68% | 6.71% | 9.38% | 16.79% |
| Dividend Yield | 1.81% | 2.13% | 2.48% | 2.15% | 2.27% | 2.25% |
| Payout Ratio | 33.30% | 24.00% | 107.36% | 22.15% | 21.16% | 20.27% |
| Buyback Yield / Dilution | -21.62% | -11.00% | -46.17% | -0.12% | 4.42% | 2.34% |
| Total Shareholder Return | -19.79% | -8.86% | -43.69% | 2.03% | 6.69% | 4.59% |