Company Analysis

Community West Bancshares (CWBC)

Nasdaq: CWBC · State Commercial Banks · Fresno, CA · filing with the SEC since 2000
Grade4.4
◀ Past 3.1● Present 4.0▶ Future 6.8

The grade of Community West Bancshares

Nine metrics read from its own filings, by tense
Headline grade
4.4/10
◀ Past3.140% of the headline
● Present4.035% of the headline
▶ Future6.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

3.1/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
2.6/10

Has it survived what it has been through?

3 warning events since 2017; the latest 2025-06-06.

weight 45% of this tense · 26th percentile among 165 sector filers · read for itself

From the record

Community West Bancshares' filings since 2017 show 3 warning events of 2 kinds: an auditor change (8-K item 4.01, 2 times, the latest 2025-06-06); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2017-03-15) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.3/10

What has it actually done, year after year?

+16.6% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 63rd percentile among 152 sector filers · read for its customers

From the record

Community West Bancshares' 10 filed years say what it did: revenue went from $47 million in fiscal 2016 to $186 million in fiscal 2025, up 16.6% a year; it rose in 8 of 9 years; the deepest fall was 0% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span16.6%top 35% of its family
  • the share of years revenue rosetop 39% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak0.5%top 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
1.8/10

How has it treated the people who own it?

Share count grew 17.5% a year. 24% of cash flow returned. Insiders: 0 sales, 23 purchases.

weight 33% of this tense · 18th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Community West Bancshares' diluted share count grew about 17.5% a year, and dividends and buybacks returned about 24% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 23 purchases of their own stock on the open market in the year to 2026-10-13, buying about $241 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 4% of its family
  • cash returned against operating cash flowbottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.0/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
3.8/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 45% of this tense · 38th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Community West Bancshares earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 11.0% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 45% of its family
  • return on equitybottom 44% of its family
  • the share count against the year beforebottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.8/10

How strong is its position in its industry?

top 43% of 155 in its family; net margin 20.6%.

weight 33% of this tense · 57th percentile among 155 sector filers · read for its customers

From the record

Community West Bancshares' standing among 155 graded names in its industry family: revenue of $186 million in fiscal 2025 ranks in the bottom 34% by size; a net margin of 20.6% ranks in the bottom 47%; revenue growth of 30.8% a year over the last 3 filed years ranks in the top 9% (its annual reports).

What it rests on

  • revenue against the family$186Mbottom 34% of its family
  • net margin20.6%bottom 47% of its family
  • three-year revenue growth30.8%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
2.0/10

What are the people in charge doing?

bottom 20% of 150 in its family for leadership; chief executive since 2021.

weight 22% of this tense · 20th percentile among 150 sector filers · read for its shareholders

From the record

Community West Bancshares' leadership, from its insiders' filings and its current reports: the chief executive on the record is Kim, James J (CEO and PRESIDENT, as filed), filing under that title since 2021-12-01, 5 years (bottom 29% of its family); the 19 officers and directors filing in the last fifteen months have been on the record a median of 4.6 years (bottom 11%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (bottom 19%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge10 in three years among 19 peoplebottom 19% of its family
  • the median years the people in charge have filed4.6 yearsbottom 11% of its family
  • the chief executive's years on the record5.0 yearsbottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.8/10

How much room does it have to grow?

bottom 38% of 142 in its family for room to expand.

weight 33% of this tense · 38th percentile among 142 sector filers · read for itself

From the record

Community West Bancshares' room to grow, from the newest filed statements (fiscal 2025): cash of $119 million against debt of $70 million leaves 1.3% of its assets as net cash, bottom 25% of its family; cash from operations less capital spending is 23.5% of revenue (top 49%) (its annual report).

What it rests on

  • cash less debt against assets1.3%bottom 25% of its family
  • cash from operations less capital spending against revenue23.5%top 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
9.4/10

What could actually drive growth from here?

top 6% of 152 in its family for growth drivers.

weight 33% of this tense · 94th percentile among 152 sector filers · read for its customers

From the record

Community West Bancshares' growth drivers, from the filed years to fiscal 2025: revenue grew 30.8% a year over the last three filed years against 16.6% over all 10, speeding up (top 6% of its family); the newest year grew 15.8% (top 11%); capital spending grew 90.6% a year (top 2%) (its annual reports). Community West Bancshares tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+14.2 points a yeartop 6% of its family
  • the newest year's revenue growth15.8%top 11% of its family
  • three-year growth of capital spending90.6%top 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
7.3/10

Did its newest year beat what its own record pointed to?

top 27% of 150 in its family for expectations against reality.

weight 33% of this tense · 73rd percentile among 150 sector filers · read for its shareholders

From the record

Community West Bancshares' newest year against its own record: revenue of $186 million in fiscal 2025 came in 16.7% below the $223 million its prior three years' pace pointed to (bottom 44% of its family); net income of $38 million against a prior three-year average of $20 million (top 4%); a net margin of 20.6% against 20.6% before (top 22%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-16.7%bottom 44% of its family
  • net income against the prior three years' average+91%top 4% of its family
  • net margin against its prior average-0.1 pointstop 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CWBC · research, not advice