Stocks · Financial Services · Banks - Regional
Community West Bancshares CWBC
$26.53 +1.11% Close, Oct 2, 2026 · NASDAQ · Market cap $558.6M
Strong trend
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 21.5% in a year.
- Net debt is 3.5× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 288 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth76Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 44%
- EPS growth (TTM, YoY)Top 33%
- FCF growth (TTM, YoY)Top 26%
- Revenue growth, 3-year CAGRTop 15%
- Revenue growth accelerationBottom 36%
Quality49Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 15%
- Gross marginTop 36%
- Operating marginTop 39%
- Cash conversion (OCF / net income)Top 30%
- Accruals (lower is better)Top 47%
- Net debt / EBITDA (lower is better)Bottom 33%
- Interest coverTop 50%
Value44Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 47%
- Free-cash-flow yieldTop 45%
- EBITDA / enterprise valueTop 47%
- Sales / enterprise valueBottom 39%
- P/E vs own 5-year history (lower is better)Bottom 25%
Momentum87Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 27%
- 6-month returnTop 29%
- 1-year return vs S&P 500Top 22%
- Distance from 52-week highTop 29%
- Trend checklist (0–4)Top 11%
Revisions34Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 16%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 17%
- Upside to consensus price targetBottom 49%
Stability33Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 41%
- Maximum drawdown, 3 yearsBottom 46%
- Beta vs S&P 500 (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Bottom 33%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.8% | 4.9% | ↓ |
| EPS growth (YoY) | 232.3% | 33.1% | ↓ |
| Gross margin | 69.4% | 70.7% | ↑ |
| Operating margin | 19.3% | 25.5% | ↑ |
| FCF margin | 15.5% | 24.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.9% | 6.8% | ↓ | Bottom 44% |
| EPS growth (TTM, YoY) | 33.1% | 232.3% | ↓ | Top 33% |
| Gross margin | 70.7% | 69.4% | ↑ | Top 36% |
| Operating margin | 25.5% | 19.3% | ↑ | Top 39% |
| Net margin | 18.4% | 14.1% | ↑ | — |
| Free-cash-flow margin | 24.3% | 15.5% | ↑ | — |
| Return on invested capital | -1.1% | — | Bottom 15% | |
| Revenue growth, 3-year CAGR | 31.0% | — | Top 15% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.49×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.50×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.82%
- Net buyback yield (TTM)
- -0.21%
- Shareholder yield
- 1.61%
- Share count change, 1 year
- +21.5%
- Share count change, 3-year CAGR
- +25.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -9.8%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $30.50
- Target vs current price
- +15.0%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 75%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -67.1% | -0.5% | -5.6% | -3.5% | — |
| Apr 23, 2026 | +15.1% | -0.1% | -1.6% | -1.4% | +13.2% |
| Jan 22, 2026 | +5.3% | +0.5% | -1.9% | +2.0% | +2.3% |
| Oct 16, 2025 | +7.5% | -2.9% | +1.6% | +4.1% | +6.8% |
| Jul 17, 2025 | -16.3% | +0.7% | +4.3% | +0.5% | +1.4% |
| Apr 21, 2025 | -4.3% | -0.3% | +8.4% | +14.8% | +26.1% |
| Jan 23, 2025 | -15.6% | +0.4% | +3.1% | +0.6% | -14.7% |
| Oct 25, 2024 | -52.6% | -0.7% | +0.2% | +13.4% | +0.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.10 | $0.30 | -67.1% | $49.3M |
| Apr 23, 2026 | $0.61 | $0.53 | +15.1% | $38.8M |
| Jan 22, 2026 | $0.60 | $0.57 | +5.3% | $38.3M |
| Oct 16, 2025 | $0.57 | $0.53 | +7.5% | $37.3M |
| Jul 17, 2025 | $0.41 | $0.49 | -16.3% | $35.7M |
| Apr 21, 2025 | $0.45 | $0.47 | -4.3% | $34.2M |
| Jan 23, 2025 | $0.38 | $0.45 | -15.6% | $33.4M |
| Oct 25, 2024 | $0.18 | $0.38 | -52.6% | $31.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.3× | 10.1× | 81th | Top 47% |
| P/E (forward) | 13.6× | — | — | — |
| EV / EBITDA | 14.5× | — | — | Top 47% |
| EV / Sales | 3.73× | — | — | Bottom 39% |
| Free-cash-flow yield | 8.58% | — | — | Top 45% |
| Earnings yield | 6.97% | — | — | Top 47% |
P/E over the past five years
Range 5.5× – 34.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +28.2%
- Earnings per share growth (TTM)
- +33.1%
- Change in P/E multiple
- -0.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 7
- Days above the 200-day average
- 288
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- +2.5%
- Distance from 200-day average
- +7.9%
- RSI (14)
- 56.1
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.8%
- Volatility vs own 5-year history
- 31th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.80
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -5.3%
- Maximum drawdown, 3 years
- -29.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 17, 2023 | May 12, 2023 | -50.9% | 57 days | 780 days (Jun 24, 2026) |
| Aug 11, 2021 | Jun 30, 2022 | -39.0% | 220 days | 128 days (Jan 27, 2023) |
| Oct 22, 2020 | Nov 4, 2020 | -15.3% | 9 days | 4 days (Nov 10, 2020) |
| Aug 12, 2020 | Sep 11, 2020 | -12.2% | 21 days | 17 days (Oct 6, 2020) |
| Mar 10, 2021 | Mar 24, 2021 | -11.4% | 10 days | 38 days (May 19, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $558.6M
- P/E (TTM)
- 14.3
- EPS, diluted (TTM)
- $1.85
- Revenue (TTM)
- $197.2M
- Dividend yield
- 1.81%
- 52-week range
- $19.79 – $28.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $81.5M | $86.7M | $108.1M | $164.2M | $194.6M |
| Gross profit | $84.6M | $82.2M | $87.8M | $103.1M | $141.3M |
| Operating income | $38.0M | $35.1M | $33.8M | $11.0M | $52.5M |
| Net income | $28.4M | $26.6M | $25.5M | $7.7M | $38.2M |
| EPS (diluted) | $2.31 | $2.27 | $2.17 | $0.45 | $2.00 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $45.6M | $46.8M | $47.1M | $48.4M | $49.2M | $49.2M | $50.1M | $48.7M |
| Net income | $3.4M | $6.9M | $8.3M | $7.8M | $10.9M | $11.2M | $11.5M | $2.7M |
| EPS (diluted) | $0.18 | $0.36 | $0.44 | $0.41 | $0.57 | $0.58 | $0.60 | $0.10 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $42.9M | $23.7M | $27.5M | $22.2M | $46.1M |
| Capital expenditure | -$1.0M | -$362,000 | -$9.8M | -$5.0M | -$2.5M |
| Free cash flow | $41.8M | $23.3M | $17.7M | $17.2M | $43.6M |
| Dividends paid | -$5.8M | -$5.6M | -$5.7M | -$8.2M | -$9.2M |
| Net share buybacks | -$13.6M | -$6.8M | -$1,000 | -$38,000 | $1.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $643.4M
- Total assets
- $5.03B
- Total liabilities
- $4.43B
- Total debt
- $250.3M
- Net debt
- $177.0M
- Shareholders’ equity
- $607.8M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.12 | Aug 21, 2026 |
| May 8, 2026 | $0.12 | May 22, 2026 |
| Feb 6, 2026 | $0.12 | Feb 20, 2026 |
| Oct 31, 2025 | $0.12 | Nov 14, 2025 |
| Aug 1, 2025 | $0.12 | Aug 15, 2025 |
| May 2, 2025 | $0.12 | May 16, 2025 |
| Feb 7, 2025 | $0.12 | Feb 21, 2025 |
| Nov 8, 2024 | $0.12 | Nov 22, 2024 |
Short interest
- Shares sold short
- 1,504,181
- Days to cover
- 10.60
- Change vs previous report
- +15.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 1, 2005
- 2-for-1
- Jan 21, 2003
- 2-for-1
- Jun 11, 1999
- 11-for-10
- Mar 2, 1998
- 2-for-1