Community West Financials

CWBC Stock  USD 18.65  0.04  0.21%   
Based on the key indicators related to Community West's liquidity, profitability, solvency, and operating efficiency, Community West Bancshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Community West's Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 2.3 B, whereas Accounts Payable is forecasted to decline to about 35.6 M. Key indicators impacting Community West's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio1.520.88
Way Up
Slightly volatile
Current Ratio0.00950.0101
Notably Down
Slightly volatile
Investors should never underestimate Community West's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Community West's cash flow, debt, and profitability to make informed and accurate decisions about investing in Community West Bancshares.

Net Income

30.83 Million

  
Understanding current and past Community West Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Community West's financial statements are interrelated, with each one affecting the others. For example, an increase in Community West's assets may result in an increase in income on the income statement.
Please note, the presentation of Community West's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Community West's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Community West's management manipulating its earnings.

Community West Stock Summary

Community West competes with Home Federal, First Financial, First Northwest, Magyar Bancorp. Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California. Community West Bancshares was founded in 1989 and is headquartered in Goleta, California. Community West operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 122 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS2041571017
CUSIP155685100 203937107
Older SymbolCVCY
LocationCalifornia; U.S.A
Business Address7100 North Financial
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.communitywestbank.com
Phone559 298 1775
CurrencyUSD - US Dollar

Community West Key Financial Ratios

Community West Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets975.4M1.2B1.1B2.4B2.8B2.9B
Other Current Liab722.9M800.9M(32.6M)1.8B2.1B2.2B
Net Debt44.5M(118.4M)25.3M105.1M94.6M99.4M
Retained Earnings46.1M56.9M67.7M210.5M242.1M254.2M
Accounts Payable19.8M31.2M40.0M32.6M37.5M35.6M
Cash60.5M208.4M64.7M53.7M61.8M37.5M
Other Current Assets63.2M210.9M66.9M64.6M58.2M55.3M
Total Liab105M90M978.9M2.2B2.6B2.7B
Total Current Assets77.8M228.1M91.4M16.7M15.0M14.3M
Other Assets868.4M899.6M964.6M43.5M50.0M47.5M
Net Receivables32.1M29.2M32.7M76.9M88.4M84.0M
Common Stock42.9M44.4M45.7M62.6M71.9M41.1M
Other Liab9.6M8.3M15.5M13.8M15.8M16.6M
Long Term Debt65M105M90M69.7M80.2M61.2M
Inventory(117.3M)(92.3M)(243.6M)(117.1M)(105.4M)(100.1M)
Intangible Assets(25.7M)1.2M1.6M1.5M1.3M1.4M
Short Term Debt16.0M887K1.0M80M92M96.6M
Net Tangible Assets82.0M89.0M101.4M112.7M129.5M77.3M
Long Term Debt Total75M65M105M90M103.5M56.0M

Community West Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense7.3M3.7M3.3M20.0M18.0M18.9M
Total Revenue40.5M46.1M49.8M57.5M66.2M35.2M
Gross Profit40.5M46.1M49.8M9.9M11.4M10.8M
Operating Income11.8M18.3M22.0M(10.3M)(9.3M)(8.8M)
Ebit10.9M17.5M21.5M(9.9M)(8.9M)(8.5M)
Ebitda12.6M19.1M22.8M(8.9M)(8.0M)(7.6M)
Income Before Tax11.8M18.3M18.7M33.8M38.9M40.9M
Net Income8.2M13.1M13.4M25.5M29.4M30.8M
Income Tax Expense3.5M5.2M5.3M8.3M9.5M10.0M
Tax Provision3.5M5.2M5.3M8.3M9.5M4.9M
Net Interest Income36.6M42.4M45.8M82.4M94.8M99.5M
Interest Income43.9M46.1M49.1M102.4M117.8M123.7M

Community West Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(22.1M)147.8M(143.7M)22.6M25.9M27.2M
Free Cash Flow15.5M22.0M5.6M18.0M20.8M21.8M
Depreciation821K780K711K959K863.1K701.1K
Other Non Cash Items11.2M7.2M2.0M7.5M8.6M9.1M
Dividends Paid1.7M2.3M2.6M5.7M6.5M6.8M
Capital Expenditures338K206K239K9.8M11.3M11.8M
Net Income8.2M13.1M13.4M25.5M29.4M30.8M
End Period Cash Flow60.5M208.4M64.7M53.7M61.8M41.2M
Investments(91.6M)(42.0M)(72.9M)24.2M21.8M22.9M
Net Borrowings18.2M(10M)40M(15M)(17.3M)(16.4M)
Change To Netincome6.8M6.2M10.6M7.0M8.0M6.2M

Community Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Community West's current stock value. Our valuation model uses many indicators to compare Community West value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Community West competition to find correlations between indicators driving Community West's intrinsic value. More Info.
Community West Bancshares is rated fourth in return on equity category among its peers. It also is rated fourth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Community West Bancshares is roughly  10.35 . At present, Community West's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Community West's earnings, one of the primary drivers of an investment's value.

Community West Bancshares Systematic Risk

Community West's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Community West volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Community West Bancshares correlated with the market. If Beta is less than 0 Community West generally moves in the opposite direction as compared to the market. If Community West Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Community West Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Community West is generally in the same direction as the market. If Beta > 1 Community West moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Community West Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Community West's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Community West growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0843

At present, Community West's Price Earnings To Growth Ratio is projected to drop slightly based on the last few years of reporting.

Community West February 26, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Community West help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Community West Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Community West Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Community Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Community West's daily price indicators and compare them against related drivers.

Complementary Tools for Community Stock analysis

When running Community West's price analysis, check to measure Community West's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Community West is operating at the current time. Most of Community West's value examination focuses on studying past and present price action to predict the probability of Community West's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Community West's price. Additionally, you may evaluate how the addition of Community West to your portfolios can decrease your overall portfolio volatility.
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