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Community West Bancshares operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. It also provides products, such as commercial and industrial loans, as well as loans secured by crop production and livestock; commercial real estate construction and other land loans, real estate collateral secured by commercial or professional properties with repayment arising from the owner's business cash flows, investor commercial real estate loans, farmland, and multi-family loans; 1-4 family close-ended, revolving real estate loans, and residential construction loans; manufactured housing loans; and equity loans, lines of credit, and installment and other consumer loans. In addition, the company offers domestic and international wire transfer, inquiry, account status, bill paying, account transfers, cash management, and other customary banking services. The company was formerly known as Central Valley Community Bancorp and changed its name to Community West Bancshares in November 2000. Community West Bancshares was founded in 1979 and is based in Fresno, California.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $144M | - | $38M | $44M | 9.3% | 26.3% | 397.9% |
| 2024 | $114M | - | $8M | $17M | 2.1% | 30.2% | -70.0% |
| 2023 | $88M | - | $26M | $18M | 12.3% | 5.4% | -4.2% |
| 2022 | $83M | - | $27M | $23M | 15.3% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 83.22 | 87.71 | 114.17 | 144.20 |
| Pretax Income | 35.14 | 33.84 | 11 | 52.53 |
| Tax Provision | 8.50 | 8.30 | 3.33 | 14.36 |
| Net Income | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income Common Stockholders | 26.64 | 25.54 | 7.67 | 38.17 |
| Interest Expense | 3.42 | 19.99 | 50.02 | 49.53 |
| Interest Income | 82.99 | 102.42 | 160.39 | 185.71 |
| Selling General And Administration | 30.29 | 33.18 | 50.70 | 52.46 |
| Normalized Income | 26.63 | 26.13 | 14.36 | 38.78 |
| Basic EPS | 2.27 | 2.17 | 0.45 | 0 |
| Diluted EPS | 2.27 | 2.17 | 0.45 | 0 |
| Tax Effect Of Unusual Items | 0 | -0.19 | -2.91 | -0.23 |
| Tax Rate For Calcs | 0.24 | 0.25 | 0.30 | 0.27 |
| Total Unusual Items | 0.01 | -0.79 | -9.61 | -0.84 |
| Total Unusual Items Excluding Goodwill | 0.01 | -0.79 | -9.61 | -0.84 |
| Net Income From Continuing Operation Net Minority Interest | 26.64 | 25.54 | 7.67 | 38.17 |
| Reconciled Depreciation | 0.76 | 0.96 | 2.96 | 4.28 |
| Net Interest Income | 79.57 | 82.43 | 110.37 | 136.18 |
| Net Income From Continuing And Discontinued Operation | 26.64 | 25.54 | 7.67 | 38.17 |
| Diluted Average Shares | 11.74 | 11.75 | 17.18 | 0 |
| Basic Average Shares | 11.72 | 11.73 | 17.08 | 0 |
| Diluted NI Availto Com Stockholders | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income Including Noncontrolling Interests | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income Continuous Operations | 26.64 | 25.54 | 7.67 | 38.17 |
| Special Income Charges | 0.01 | -0.79 | -9.61 | -0.84 |
| Other Special Charges | -0.01 | -0.40 | -0.01 | 0.04 |
| Restructuring And Mergern Acquisition | 0 | 1.19 | 9.61 | 0.80 |
| Gain On Sale Of Security | -1.73 | -0.91 | -4.20 | -0.04 |
| Depreciation Amortization Depletion Income Statement | 0.45 | 0.07 | 0.75 | 1 |
| Depreciation And Amortization In Income Statement | 0.45 | 0.07 | 0.75 | 1 |
| Amortization | 0.45 | 0.07 | 0.75 | 1 |
| Amortization Of Intangibles Income Statement | 0.45 | 0.07 | 0.75 | 1 |
| Selling And Marketing Expense | 0.56 | 0.54 | 0.85 | 0.93 |
| General And Administrative Expense | 29.73 | 32.64 | 49.84 | 51.53 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 0.21 | 0.26 | 0.28 | 0.46 |
| Salaries And Wages | 29.52 | 32.38 | 49.57 | 51.07 |
| Operating Revenue | 83.22 | 87.71 | 114.17 | 144.20 |
| Occupancy And Equipment | 5.13 | 5.73 | 9.48 | 11.43 |
| Professional Expense And Contract Services Expense | 1.52 | 2.23 | 2.83 | 2.39 |
| Other Non Interest Expense | 9.70 | 11.56 | 18.70 | 19.80 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Community West Bancsharesthis co. | CWBC | $640M | 10.93 | 1.08 | 9.3% | - |
| South Plains Financial, Inc. | SPFI | $663M | 11.37 | 1.34 | 11.8% | - |
| Alerus Financial Corporation | ALRS | $658M | 37.87 | 1.16 | 3.1% | - |
| Tiptree Inc. | TIPT | $648M | - | 1.27 | 4.6% | -19.70 |
| Better Home & Finance Holding Company | BETR | $644M |
| - |
| 16.83 |
| -446.1% |
| - |
| Shore Bancshares, Inc. | SHBI | $640M | 10.17 | 1.08 | 10.1% | - |
| GCM Grosvenor Inc. | GCMG | $637M | 25.52 | 24.09 | 35.6% | 7.26 |
| Hingham Institution for Savings | HIFS | $620M | 11.47 | 1.29 | 11.4% | - |
| Third Coast Bancshares, Inc. | TCBX | $617M | 9.58 | 0.95 | 12.5% | - |
| Peer Median | - | 11.42 | 1.28 | 10.7% | -6.22 | |