Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Community West Bancshares (CWBC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: CWBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 22.37% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 352.06M USD | Price to earnings Ratio 41.07 | 1Y Target Price 23.25 |
Price to earnings Ratio 41.07 | 1Y Target Price 23.25 | ||
Volume (30-day avg) 53547 | Beta 0.9 | 52 Weeks Range 15.98 - 22.75 | Updated Date 03/31/2025 |
52 Weeks Range 15.98 - 22.75 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 2.60% | Basic EPS (TTM) 0.45 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.25% | Operating Margin (TTM) 33.47% |
Management Effectiveness
Return on Assets (TTM) 0.26% | Return on Equity (TTM) 2.69% |
Valuation
Trailing PE 41.07 | Forward PE 9.42 | Enterprise Value 439309152 | Price to Sales(TTM) 3.33 |
Enterprise Value 439309152 | Price to Sales(TTM) 3.33 | ||
Enterprise Value to Revenue 4.85 | Enterprise Value to EBITDA - | Shares Outstanding 19050700 | Shares Floating 15035584 |
Shares Outstanding 19050700 | Shares Floating 15035584 | ||
Percent Insiders 13.58 | Percent Institutions 50.31 |
Analyst Ratings
Rating 4 | Target Price 23.25 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Community West Bancshares
Company Overview
History and Background
Community West Bancshares was founded in 1989 and is headquartered in Goleta, California. It operates as the holding company for Community West Bank, providing banking services in California's Central Coast region. It has steadily grown through organic expansion and strategic initiatives.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products tailored to businesses, including commercial real estate loans, lines of credit, and equipment financing.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Offers financial planning and investment management services to individuals and families.
Leadership and Structure
Martin E. Plourd serves as the Chief Executive Officer. The company operates with a board of directors overseeing strategic direction and corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, targeting small to medium-sized businesses. Market share data is not publicly available, but competition includes larger regional and national banks. Competitors: Bank of America, Wells Fargo.
- Small Business Loans (SBA): Government-guaranteed loans designed to support small businesses. Market share data unavailable, competes with other community banks and online lenders. Competitors: U.S. Bank, JP Morgan Chase.
- Mortgages: Residential mortgage loans for home purchases and refinancing. Market share data unavailable, competes with national mortgage lenders. Competitors: Rocket Mortgage, United Wholesale Mortgage.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Community banks are focusing on relationship banking and local market expertise.
Positioning
Community West Bancshares positions itself as a relationship-focused community bank serving the Central Coast region of California. Its competitive advantage lies in its local knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Central Coast region is estimated to be in the billions of dollars annually. Community West Bancshares captures a portion of this market through its branch network and lending activities.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-based banking approach
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller asset base compared to larger banks
- Dependence on local economy
- Limited technological resources compared to larger banks
Opportunities
- Expanding into new markets within California
- Increasing digital banking capabilities
- Acquiring smaller community banks
- Growing wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in California
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- BANC
- CMA
- WAFD
Competitive Landscape
Community West Bancshares competes with larger regional and national banks, as well as other community banks. Its advantage lies in its local focus and personalized service, while its disadvantage is its smaller size and limited resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires review of past financial performance and expansion efforts.
Future Projections: Future growth prospects depend on economic conditions, market trends, and the company's strategic initiatives.
Recent Initiatives: Information on recent strategic initiatives requires company announcements and press releases.
Summary
Community West Bancshares is a community bank focused on the Central Coast of California. Its strengths include its local market knowledge and relationship-based banking. However, it faces competition from larger banks and fintech companies and needs to manage its limited geographic diversification and technological resources effectively. Their market share compared to competitors is extremely small.
Similar Companies
- BANC
- CMA
- WAFD
- FFWM
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Articles
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Financial data is based on the most recent available information but may not be comprehensive.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Community West Bancshares
Exchange NASDAQ | Headquaters Fresno, CA, United States | ||
IPO Launch date 1996-11-20 | CEO & Director Mr. James J. Kim | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 346 | |
Full time employees 346 | |||
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 April 2024. Community West Bancshares was founded in 1979 and is based in Fresno, California.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.