Loading…
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% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 83.22 | 87.71 | 114.17 | 144.20 |
| Operating Revenue | - | 83.22 | 87.71 | 114.17 | 144.20 |
| Selling General And Administration | - | 30.29 | 33.18 | 50.70 | 52.46 |
| Interest Income | - | 82.99 | 102.42 | 160.39 | 185.71 |
| Interest Expense | - | 3.42 | 19.99 | 50.02 | 49.53 |
| Net Interest Income | - | 79.57 | 82.43 | 110.37 | 136.18 |
| Pretax Income | - | 35.14 | 33.84 | 11 | 52.53 |
| Tax Provision | - | 8.50 | 8.30 | 3.33 | 14.36 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | -0.19 | -2.91 | -0.23 |
| Net Income Continuous Operations | - | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income From Continuing And Discontinued Operation | - | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income From Continuing Operation Net Minority Interest | - | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income | - | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income Common Stockholders | - | 26.64 | 25.54 | 7.67 | 38.17 |
| Net Income Including Noncontrolling Interests | - | 26.64 | 25.54 | 7.67 | 38.17 |
| Normalized Income | - | 26.63 | 26.13 | 14.36 | 38.78 |
| Diluted NI Availto Com Stockholders | - | 26.64 | 25.54 | 7.67 | 38.17 |
| Basic Average Shares | - | 11.72 | 11.73 | 17.08 | 19 |
| Diluted Average Shares | - | 11.74 | 11.75 | 17.18 | 19.07 |
| Reconciled Depreciation | - | 0.76 | 0.96 | 2.96 | 4.28 |
| Total Unusual Items | - | 0.02 | -0.79 | -9.61 | -0.84 |
| Total Unusual Items Excluding Goodwill | - | 0.02 | -0.79 | -9.61 | -0.84 |
| Special Income Charges | - | 0.02 | -0.79 | -9.61 | -0.84 |
| Other Special Charges | - | -0.02 | -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 |
| General And Administrative Expense | - | 29.73 | 32.64 | 49.84 | 51.53 |
| Other Gand A | 0.15 | - | - | - | - |
| Salaries And Wages | - | 29.52 | 32.38 | 49.57 | 51.07 |
| Insurance And Claims | - | 0.21 | 0.26 | 0.28 | 0.46 |
| Selling And Marketing Expense | - | 0.56 | 0.54 | 0.85 | 0.93 |
| Amortization | - | 0.45 | 0.07 | 0.75 | 1 |
| Amortization Of Intangibles Income Statement | - | 0.45 | 0.07 | 0.75 | 1 |
| Occupancy And Equipment | - | 5.13 | 5.73 | 9.48 | 11.43 |
| Professional Expense And Contract Services Expense | - | 1.52 | 2.23 | 2.82 | 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 | $661M | 17.31↑ premium | 1.61 | 9.3% | - |
| Velocity Financial, Inc. | VEL | $685M | 6.52 | 1.02 | 15.6% | - |
| Tiptree Inc. | TIPT | $656M | 18.79 | 1.29 | 6.9% | - |
| Third Coast Bancshares, Inc. | TCBX | $652M | 9.84 | 1.23 | 12.5% | - |
| Bit Digital, Inc. | BTBT | $646M |
| - |
| - |
| - |
| - |
| - |
| -8.04 |
| 0.90 |
| -11.2% |
| -14.07 |
| GCM Grosvenor Inc. | GCMG | $644M | 14.19 | 23.85 | 168.1% | 4.84 |
| Heritage Insurance Holdings, Inc. | HRTG | $642M | 3.28 | 1.27 | 38.7% | - |
| Hippo Holdings Inc. | HIPO | $635M | 11.01 | 1.46 | 13.2% | - |
| Hingham Institution for Savings | HIFS | $634M | 11.62 | 1.32 | 11.4% | - |
| Peer Median | - | 10.42 | 1.28 | 12.9% | -4.62 | |