Community West Bancshares (CWBC) Financials

$15.99 +0.27 (+1.72%)

Closing price 04:00 PM Eastern

Extended Trading

$16.02 +0.03 (+0.19%)

As of 04:05 PM Eastern

Annual Income Statements for Community West Bancshares

This table shows Community West Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	27	26	7.67
Consolidated Net Income / (Loss)	27	26	7.67
Net Income / (Loss) Continuing Operations	27	26	7.67
Total Pre-Tax Income	35	34	11
Total Revenue	85	89	117
Net Interest Income / (Expense)	80	82	110
Total Interest Income	83	102	160
Loans and Leases Interest Income	56	70	130
Investment Securities Interest Income	27	29	26
Deposits and Money Market Investments Interest Income	0.39	3.58	4.36
Total Interest Expense	3.42	20	50
Deposits Interest Expense	1.20	16	41
Short-Term Borrowings Interest Expense	0.25	0.81	5.69
Long-Term Debt Interest Expense	1.97	3.65	3.67
Total Non-Interest Income	5.05	7.02	6.45
Other Service Charges	5.42	5.99	8.52
Net Realized & Unrealized Capital Gains on Investments	-1.72	-0.51	-4.19
Other Non-Interest Income	1.35	1.53	2.12
Provision for Credit Losses	1.00	0.31	11
Total Non-Interest Expense	48	55	95
Salaries and Employee Benefits	29	31	48
Net Occupancy & Equipment Expense	11	12	19
Marketing Expense	0.56	0.54	0.85
Other Operating Expenses	7.84	10	16
Amortization Expense	0.45	0.07	0.75
Restructuring Charge	0.00	1.19	9.61
Income Tax Expense	8.50	8.30	3.33
Basic Earnings per Share	$2.27	$2.17	$0.45
Weighted Average Basic Shares Outstanding	11.75M	11.83M	19.05M
Diluted Earnings per Share	$2.27	$2.17	$0.45
Weighted Average Diluted Shares Outstanding	11.75M	11.83M	19.05M
Weighted Average Basic & Diluted Shares Outstanding	11.75M	11.83M	19.05M
Cash Dividends to Common per Share	$0.48	$0.48	$0.48

This table shows Community West Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	6.38	7.63	6.97	6.28	6.39	5.89	3.68	-6.29	3.39	6.90
Consolidated Net Income / (Loss)	6.38	7.63	6.97	6.28	6.39	5.89	3.68	-6.29	3.39	6.90
Net Income / (Loss) Continuing Operations	6.38	7.63	6.97	6.28	6.39	5.89	3.68	-6.29	3.39	6.90
Total Pre-Tax Income	8.35	10	9.32	8.34	8.49	7.70	4.80	-7.88	4.16	9.91
Total Revenue	22	23	23	22	22	22	21	30	31	34
Net Interest Income / (Expense)	20	22	22	20	21	20	19	29	30	32
Total Interest Income	21	23	24	26	26	26	26	44	45	45
Loans and Leases Interest Income	15	16	17	17	18	18	18	36	37	38
Investment Securities Interest Income	6.24	6.96	7.29	7.23	7.29	7.22	6.90	6.72	6.33	5.92
Deposits and Money Market Investments Interest Income	0.05	0.23	0.08	1.37	1.48	0.65	0.43	1.08	1.54	1.31
Total Interest Expense	0.83	1.35	2.56	5.78	5.94	5.71	6.55	15	15	13
Deposits Interest Expense	0.23	0.48	1.00	4.87	5.02	4.64	5.02	12	12	11
Long-Term Debt Interest Expense	0.60	0.62	1.56	0.91	0.92	0.26	1.54	2.67	2.58	-3.12
Total Non-Interest Income	1.48	0.97	1.58	1.59	1.58	2.27	1.64	1.40	1.11	2.30
Other Service Charges	1.49	0.88	1.79	1.63	1.62	0.94	2.01	3.37	2.96	0.18
Net Realized & Unrealized Capital Gains on Investments	-0.01	-0.94	-0.22	-0.04	-0.04	-0.21	-0.37	-1.97	-1.85	0.01
Provision for Credit Losses	0.50	0.50	0.63	-0.34	0.19	-0.17	0.58	9.83	-0.52	1.23
Total Non-Interest Expense	13	12	13	14	13	15	15	29	28	23
Salaries and Employee Benefits	7.50	7.42	8.03	7.98	7.47	7.88	8.64	13	14	13
Net Occupancy & Equipment Expense	1.36	5.55	1.26	1.26	1.49	7.95	1.54	2.42	2.69	13
Other Operating Expenses	3.94	-1.55	3.91	4.57	4.47	-2.78	5.15	13	11	-13
Income Tax Expense	1.96	2.68	2.35	2.06	2.10	1.80	1.13	-1.59	0.78	3.02
Basic Earnings per Share	$0.55	$0.65	$0.60	$0.54	$0.54	$0.49	$0.31	($0.33)	$0.18	$0.29
Weighted Average Basic Shares Outstanding	11.68M	11.75M	11.70M	11.72M	11.74M	11.83M	11.75M	18.81M	18.84M	19.05M
Diluted Earnings per Share	$0.55	$0.65	$0.59	$0.54	$0.54	$0.50	$0.31	($0.33)	$0.18	$0.29
Weighted Average Diluted Shares Outstanding	11.69M	11.75M	11.73M	11.74M	11.76M	11.83M	11.79M	18.94M	18.97M	19.05M
Weighted Average Basic & Diluted Shares Outstanding	11.73M	11.75M	11.75M	11.81M	11.81M	11.83M	18.87M	18.94M	18.95M	19.05M
Cash Dividends to Common per Share	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12

This table details how cash moves in and out of Community West Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-132	23	67
Net Cash From Operating Activities	24	28	22
Net Cash From Continuing Operating Activities	24	28	22
Net Income / (Loss) Continuing Operations	27	26	7.67
Consolidated Net Income / (Loss)	27	26	7.67
Provision For Loan Losses	1.00	0.31	11
Depreciation Expense	0.76	0.89	2.21
Amortization Expense	9.14	8.68	0.03
Non-Cash Adjustments to Reconcile Net Income	-0.01	-1.56	1.93
Changes in Operating Assets and Liabilities, net	-14	-6.33	-0.75
Net Cash From Investing Activities	-197	25	64
Net Cash From Continuing Investing Activities	-197	25	64
Purchase of Property, Leasehold Improvements and Equipment	-0.36	-9.81	-5.04
Purchase of Investment Securities	-518	-36	-56
Sale of Property, Leasehold Improvements and Equipment	0.02	3.26	0.02
Sale and/or Maturity of Investments	322	67	126
Net Cash From Financing Activities	41	-29	-20
Net Cash From Continuing Financing Activities	41	-29	-20
Net Change in Deposits	-23	-58	23
Issuance of Debt	2,483	3,528	972
Repayment of Debt	-2,407	-3,494	-1,007
Repurchase of Common Equity	-6.81	-0.00	-0.04
Payment of Dividends	-5.64	-5.66	-8.23
Other Financing Activities, Net	0.71	0.21	0.71
Cash Interest Paid	2.83	20	49
Cash Income Taxes Paid	8.31	7.70	2.57

This table details how cash moves in and out of Community West Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	14	-10	33	64	-54	-21	7.23	49	39	-29
Net Cash From Operating Activities	8.42	9.73	11	4.94	7.96	4.09	3.98	6.32	11	0.92
Net Cash From Continuing Operating Activities	8.42	9.73	11	4.94	7.96	4.09	3.98	6.32	11	0.92
Net Income / (Loss) Continuing Operations	6.38	7.63	6.97	6.28	6.39	5.89	3.68	-6.29	3.39	6.90
Consolidated Net Income / (Loss)	6.38	7.63	6.97	6.28	6.39	5.89	3.68	-6.29	3.39	6.90
Provision For Loan Losses	0.50	0.50	0.63	-0.34	0.19	-0.17	0.58	9.83	-0.52	1.22
Depreciation Expense	0.18	0.17	0.16	0.15	0.14	0.44	0.38	0.56	0.59	0.68
Amortization Expense	2.29	1.94	2.31	2.26	2.25	1.86	1.30	0.85	-0.98	-1.14
Non-Cash Adjustments to Reconcile Net Income	-0.21	0.23	-0.18	-0.51	-0.55	-0.32	-0.16	1.33	1.30	-0.53
Changes in Operating Assets and Liabilities, net	-0.71	-0.75	0.65	-2.89	-0.47	-3.62	-1.79	0.05	7.19	-6.20
Net Cash From Investing Activities	-72	-0.29	-6.20	36	-9.22	3.67	28	53	-1.84	-14
Net Cash From Continuing Investing Activities	-72	-0.29	-6.20	36	-9.22	3.67	28	53	-1.84	-14
Purchase of Property, Leasehold Improvements and Equipment	-0.03	-0.25	-0.21	-3.05	-1.35	-5.20	-0.44	-0.44	-2.53	-1.63
Purchase of Investment Securities	-88	-31	-29	30	-21	-16	3.70	-49	-41	30
Sale and/or Maturity of Investments	17	30	23	9.56	11	24	25	43	41	16
Net Cash From Financing Activities	78	-20	29	23	-53	-29	-25	-10	30	-15
Net Cash From Continuing Financing Activities	78	-20	29	23	-53	-29	-25	-10	30	-15
Net Change in Deposits	33	-39	76	25	-51	-107	-10	-5.98	52	-13
Issuance of Debt	962	363	3,347	-	-	182	331	384	125	133
Repayment of Debt	-916	-342	-3,393	-	-	-102	-344	-386	-145	-133
Payment of Dividends	-1.41	-1.41	-1.41	-1.41	-1.42	-1.42	-1.42	-2.27	-2.27	-2.27
Other Financing Activities, Net	0.14	0.05	0.08	0.05	0.04	0.04	0.07	0.14	0.11	0.39
Cash Interest Paid	0.37	1.31	2.73	5.89	5.56	5.83	5.79	13	16	14
Cash Income Taxes Paid	0.70	2.70	0.00	5.40	1.30	1.00	0.00	2.38	-	0.19

This table presents Community West Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	2,423	2,433	3,522
Cash and Due from Banks	25	30	28
Interest Bearing Deposits at Other Banks	5.69	24	92
Trading Account Securities	960	906	785
Loans and Leases, Net of Allowance	-11	1,276	2,308
Accrued Investment Income	77	81	113
Premises and Equipment, Net	7.99	14	24
Goodwill	54	54	97
Intangible Assets	-	0.00	9.27
Other Assets	47	49	64
Total Liabilities & Shareholders' Equity	2,423	2,433	3,522
Total Liabilities	2,248	2,226	3,159
Non-Interest Bearing Deposits	1,057	952	981
Interest Bearing Deposits	1,043	1,090	1,930
Accrued Interest Payable	33	35	45
Long-Term Debt	116	150	203
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	175	207	363
Total Preferred & Common Equity	175	207	363
Preferred Stock	0.00	0.00	0.00
Total Common Equity	175	207	363
Common Stock	61	63	208
Retained Earnings	194	211	210
Accumulated Other Comprehensive Income / (Loss)	-81	-66	-55

This table presents Community West Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	2,426	2,464	2,490	2,435	2,416	3,485	3,531
Cash and Due from Banks	33	90	28	28	25	26	44
Interest Bearing Deposits at Other Banks	9.04	39	100	47	36	83	105
Trading Account Securities	980	638	930	903	883	840	813
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	2,232	2,272
Accrued Investment Income	81	79	78	86	83	123	115
Premises and Equipment, Net	7.91	8.04	11	9.70	14	22	24
Goodwill	54	54	54	54	54	96	96
Other Assets	46	47	48	48	49	62	62
Total Liabilities & Shareholders' Equity	2,426	2,464	2,490	2,435	2,416	3,485	3,531
Total Liabilities	2,267	4,458	2,302	2,254	2,204	3,134	3,168
Non-Interest Bearing Deposits	1,045	3,151	957	991	911	1,076	1,076
Interest Bearing Deposits	1,094	1,200	1,243	1,158	1,120	1,793	1,845
Accrued Interest Payable	33	36	32	35	36	45	44
Long-Term Debt	70	70	70	70	70	220	202
Commitments & Contingencies	0.00	-	-	-	-	0.00	0.00
Total Equity & Noncontrolling Interests	159	182	187	182	212	350	364
Total Preferred & Common Equity	159	182	187	182	212	350	364
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	159	182	187	182	212	350	364
Common Stock	61	62	62	62	63	207	207
Retained Earnings	188	196	201	206	213	204	205
Accumulated Other Comprehensive Income / (Loss)	-91	-76	-76	-87	-64	-61	-49

This table displays calculated financial ratios and metrics derived from Community West Bancshares' official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	3.75%	5.71%	30.59%
EBITDA Growth	-1.26%	-3.61%	-69.51%
EBIT Growth	-7.57%	-3.70%	-67.50%
NOPAT Growth	-6.18%	-4.16%	-69.98%
Net Income Growth	-6.18%	-4.16%	-69.98%
EPS Growth	-1.73%	-4.41%	-79.26%
Operating Cash Flow Growth	-44.76%	16.28%	-19.34%
Free Cash Flow Firm Growth	371.55%	-273.16%	-391.41%
Invested Capital Growth	1.03%	22.93%	58.63%
Revenue Q/Q Growth	1.78%	-0.65%	11.39%
EBITDA Q/Q Growth	4.74%	-3.18%	-6.19%
EBIT Q/Q Growth	3.19%	-7.17%	25.25%
NOPAT Q/Q Growth	3.08%	-6.38%	15.02%
Net Income Q/Q Growth	3.08%	-6.38%	15.02%
EPS Q/Q Growth	3.65%	-6.47%	-31.82%
Operating Cash Flow Q/Q Growth	-4.24%	-18.29%	-13.59%
Free Cash Flow Firm Q/Q Growth	-2.03%	-240.00%	34.53%
Invested Capital Q/Q Growth	14.56%	41.95%	0.02%
Profitability Metrics	-	-	-
EBITDA Margin	53.22%	48.53%	11.33%
EBIT Margin	41.53%	37.83%	9.42%
Profit (Net Income) Margin	31.49%	28.55%	6.56%
Tax Burden Percent	75.82%	75.46%	69.70%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	24.18%	24.54%	30.30%
Return on Invested Capital (ROIC)	9.23%	7.89%	1.66%
ROIC Less NNEP Spread (ROIC-NNEP)	9.23%	7.89%	1.66%
Return on Net Nonoperating Assets (RNNOA)	3.39%	5.49%	1.03%
Return on Equity (ROE)	12.61%	13.38%	2.69%
Cash Return on Invested Capital (CROIC)	8.20%	-12.68%	-43.68%
Operating Return on Assets (OROA)	1.44%	1.39%	0.37%
Return on Assets (ROA)	1.09%	1.05%	0.26%
Return on Common Equity (ROCE)	12.61%	13.38%	2.69%
Return on Equity Simple (ROE_SIMPLE)	15.26%	12.33%	2.11%
Net Operating Profit after Tax (NOPAT)	27	26	7.67
NOPAT Margin	31.49%	28.55%	6.56%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	47.50%	49.05%	58.63%
Operating Expenses to Revenue	57.30%	61.82%	81.07%
Earnings before Interest and Taxes (EBIT)	35	34	11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	45	43	13
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.34	1.24	1.01
Price to Tangible Book Value (P/TBV)	1.94	1.67	1.43
Price to Revenue (P/Rev)	2.77	2.86	3.14
Price to Earnings (P/E)	8.80	10.03	47.84
Dividend Yield	2.41%	2.22%	2.49%
Earnings Yield	11.37%	9.97%	2.09%
Enterprise Value to Invested Capital (EV/IC)	1.10	0.99	0.79
Enterprise Value to Revenue (EV/Rev)	3.77	3.94	3.85
Enterprise Value to EBITDA (EV/EBITDA)	7.08	8.11	33.97
Enterprise Value to EBIT (EV/EBIT)	9.07	10.41	40.89
Enterprise Value to NOPAT (EV/NOPAT)	11.97	13.79	58.66
Enterprise Value to Operating Cash Flow (EV/OCF)	13.47	12.80	20.25
Enterprise Value to Free Cash Flow (EV/FCFF)	13.46	0.00	0.00
Leverage & Solvency	-	-	-
Debt to Equity	0.66	0.72	0.56
Long-Term Debt to Equity	0.66	0.72	0.56
Financial Leverage	0.37	0.70	0.62
Leverage Ratio	11.53	12.72	10.45
Compound Leverage Factor	11.53	12.72	10.45
Debt to Total Capital	39.83%	41.97%	35.92%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	39.83%	41.97%	35.92%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	60.17%	58.03%	64.08%
Debt to EBITDA	2.57	3.45	15.36
Net Debt to EBITDA	1.87	2.21	6.26
Long-Term Debt to EBITDA	2.57	3.45	15.36
Debt to NOPAT	4.34	5.86	26.52
Net Debt to NOPAT	3.17	3.76	10.82
Long-Term Debt to NOPAT	4.34	5.86	26.52
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	24	-41	-202
Operating Cash Flow to CapEx	6,822.19%	420.64%	442.54%
Free Cash Flow to Firm to Interest Expense	6.92	-2.05	-4.03
Operating Cash Flow to Interest Expense	6.92	1.38	0.44
Operating Cash Flow Less CapEx to Interest Expense	6.82	1.05	0.34
Efficiency Ratios	-	-	-
Asset Turnover	0.03	0.04	0.04
Fixed Asset Turnover	10.34	8.12	6.07
Capital & Investment Metrics	-	-	-
Invested Capital	290	357	566
Invested Capital Turnover	0.29	0.28	0.25
Increase / (Decrease) in Invested Capital	2.96	67	209
Enterprise Value (EV)	319	352	450
Market Capitalization	234	256	367
Book Value per Share	$14.89	$17.53	$19.14
Tangible Book Value per Share	$10.30	$12.97	$13.54
Total Capital	290	357	566
Total Debt	116	150	203
Total Long-Term Debt	116	150	203
Net Debt	84	96	83
Capital Expenditures (CapEx)	0.35	6.54	5.02
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	116	150	203
Total Depreciation and Amortization (D&A)	9.90	9.57	2.24
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$2.27	$0.00	$0.45
Adjusted Weighted Average Basic Shares Outstanding	11.75M	0.00	19.05M
Adjusted Diluted Earnings per Share	$2.27	$0.00	$0.45
Adjusted Weighted Average Diluted Shares Outstanding	11.75M	0.00	19.05M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.75M	0.00	19.05M
Normalized Net Operating Profit after Tax (NOPAT)	27	26	14
Normalized NOPAT Margin	31.49%	29.55%	12.30%
Pre Tax Income Margin	41.53%	37.83%	9.42%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	10.27	1.69	0.22
NOPAT to Interest Expense	7.79	1.28	0.15
EBIT Less CapEx to Interest Expense	10.17	1.37	0.12
NOPAT Less CapEx to Interest Expense	7.69	0.95	0.05
Payout Ratios	-	-	-
Dividend Payout Ratio	21.16%	22.15%	107.36%
Augmented Payout Ratio	46.73%	22.16%	107.85%

This table displays calculated financial ratios and metrics derived from Community West Bancshares' official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.32%	6.87%	19.17%	5.92%	2.15%	-2.53%	-10.57%	39.72%	41.65%	53.36%
EBITDA Growth	-3.36%	19.64%	12.11%	-4.84%	0.65%	-19.51%	-44.97%	-160.20%	-65.34%	-5.48%
EBIT Growth	-5.12%	11.76%	16.68%	-1.88%	1.70%	-25.36%	-48.48%	-194.48%	-50.99%	28.80%
NOPAT Growth	-2.10%	11.63%	14.53%	-3.97%	0.09%	-22.78%	-47.26%	-187.77%	-47.03%	16.98%
Net Income Growth	-2.10%	11.63%	14.53%	-3.97%	0.09%	-22.78%	-47.26%	-200.13%	-47.03%	16.98%
EPS Growth	1.85%	14.04%	15.69%	-3.57%	-1.82%	-23.08%	-47.46%	-161.11%	-66.67%	-42.00%
Operating Cash Flow Growth	95.63%	-9.72%	1,758.58%	-19.76%	-5.43%	-57.96%	-62.19%	27.96%	37.79%	-77.41%
Free Cash Flow Firm Growth	210.90%	115.43%	9,756.77%	-172.51%	78.54%	-1,397.99%	-204.93%	-908.59%	-3,800.00%	-233.55%
Invested Capital Growth	0.67%	1.03%	-932.39%	17.31%	-0.80%	22.93%	118.11%	122.03%	125.13%	58.63%
Revenue Q/Q Growth	5.17%	6.10%	0.83%	-5.86%	1.43%	1.24%	-7.48%	47.07%	2.83%	9.60%
EBITDA Q/Q Growth	-4.22%	14.85%	3.15%	-8.79%	1.29%	-8.15%	-37.19%	-199.77%	158.32%	150.46%
EBIT Q/Q Growth	-1.78%	23.56%	-9.64%	-10.53%	1.81%	-9.32%	-37.63%	-264.07%	152.81%	138.32%
NOPAT Q/Q Growth	-2.42%	19.56%	-8.69%	-9.87%	1.72%	-7.76%	-37.63%	-250.00%	161.39%	103.69%
Net Income Q/Q Growth	-2.42%	19.56%	-8.69%	-9.87%	1.72%	-7.76%	-37.63%	-271.11%	153.82%	103.69%
EPS Q/Q Growth	-1.79%	18.18%	-9.23%	-8.47%	0.00%	-7.41%	-38.00%	-206.45%	154.55%	61.11%
Operating Cash Flow Q/Q Growth	36.71%	15.55%	2.75%	-53.08%	61.13%	-48.64%	-9.81%	58.81%	73.50%	-91.58%
Free Cash Flow Firm Q/Q Growth	-89.21%	-0.79%	46,169.63%	-101.46%	126.57%	-821.31%	-3,640.63%	85.93%	2.52%	34.98%
Invested Capital Q/Q Growth	15.64%	14.56%	-762.88%	113.36%	-2.21%	41.95%	-2.33%	63.76%	-0.84%	0.02%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	49.97%	54.09%	50.88%	49.30%	49.23%	44.67%	31.31%	-21.24%	12.05%	27.53%
EBIT Margin	38.56%	44.90%	40.24%	38.24%	38.39%	34.39%	23.18%	-25.86%	13.28%	28.88%
Profit (Net Income) Margin	29.50%	33.24%	30.10%	28.82%	28.90%	26.33%	17.75%	-20.65%	10.81%	20.09%
Tax Burden Percent	76.49%	74.02%	74.80%	75.35%	75.28%	76.58%	76.57%	79.85%	81.37%	69.55%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	23.51%	25.98%	25.20%	24.65%	24.72%	23.42%	23.43%	0.00%	18.63%	30.45%
Return on Invested Capital (ROIC)	9.71%	9.74%	0.00%	10.84%	10.31%	7.28%	0.00%	-4.18%	2.77%	5.09%
ROIC Less NNEP Spread (ROIC-NNEP)	9.71%	9.74%	0.00%	10.84%	10.31%	7.28%	0.00%	-4.72%	2.77%	5.09%
Return on Net Nonoperating Assets (RNNOA)	2.39%	3.57%	0.00%	3.59%	4.97%	5.06%	0.00%	-2.55%	1.38%	3.15%
Return on Equity (ROE)	12.10%	13.31%	14.73%	14.43%	15.28%	12.34%	11.30%	-6.73%	4.16%	8.24%
Cash Return on Invested Capital (CROIC)	9.57%	8.20%	0.00%	-4.48%	11.61%	-12.68%	-645.72%	-73.45%	-75.34%	-43.68%
Operating Return on Assets (OROA)	1.34%	1.56%	1.45%	1.41%	1.42%	1.27%	0.83%	-0.83%	0.47%	1.13%
Return on Assets (ROA)	1.03%	1.15%	1.09%	1.07%	1.07%	0.97%	0.63%	-0.66%	0.38%	0.79%
Return on Common Equity (ROCE)	12.10%	13.31%	14.73%	14.43%	15.28%	12.34%	11.30%	-6.73%	4.16%	8.24%
Return on Equity Simple (ROE_SIMPLE)	16.28%	0.00%	15.12%	14.55%	15.02%	0.00%	10.51%	2.76%	1.83%	0.00%
Net Operating Profit after Tax (NOPAT)	6.38	7.63	6.97	6.28	6.39	5.89	3.68	-5.51	3.39	6.90
NOPAT Margin	29.50%	33.24%	30.10%	28.82%	28.90%	26.33%	17.75%	-18.10%	10.81%	20.09%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.54%	0.00%	0.00%
SG&A Expenses to Revenue	40.95%	56.47%	40.13%	42.39%	40.54%	70.74%	49.16%	52.12%	52.35%	73.37%
Operating Expenses to Revenue	59.15%	52.92%	57.03%	63.33%	60.77%	66.36%	74.04%	93.58%	88.37%	67.55%
Earnings before Interest and Taxes (EBIT)	8.35	10	9.32	8.34	8.49	7.70	4.80	-7.88	4.16	9.91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	11	12	12	11	11	10.00	6.48	-6.47	3.77	9.45
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.22	1.34	1.25	0.92	0.88	1.24	1.08	0.98	0.99	1.01
Price to Tangible Book Value (P/TBV)	1.85	1.94	1.78	1.30	1.25	1.67	1.45	1.35	1.35	1.43
Price to Revenue (P/Rev)	2.33	2.77	2.59	1.93	1.77	2.86	2.63	3.60	3.44	3.14
Price to Earnings (P/E)	7.49	8.80	8.30	6.35	5.85	10.03	10.28	35.57	54.14	47.84
Dividend Yield	0.00%	2.41%	0.00%	0.00%	0.00%	2.22%	0.00%	0.66%	1.26%	2.49%
Earnings Yield	13.35%	11.37%	12.05%	15.75%	17.10%	9.97%	9.73%	2.81%	1.85%	2.09%
Enterprise Value to Invested Capital (EV/IC)	0.97	1.10	0.00	0.44	0.62	0.99	0.87	0.80	0.73	0.79
Enterprise Value to Revenue (EV/Rev)	2.97	3.77	1.92	1.27	1.72	3.94	3.50	4.75	3.95	3.85
Enterprise Value to EBITDA (EV/EBITDA)	5.74	7.08	3.74	2.55	3.45	8.11	7.92	21.43	29.35	33.97
Enterprise Value to EBIT (EV/EBIT)	7.24	9.07	4.65	3.14	4.24	10.41	10.38	34.69	47.17	40.89
Enterprise Value to NOPAT (EV/NOPAT)	9.54	11.97	6.16	4.19	5.67	13.79	13.69	47.03	62.14	58.66
Enterprise Value to Operating Cash Flow (EV/OCF)	9.98	13.47	4.79	3.34	4.59	12.80	14.29	20.05	16.12	20.25
Enterprise Value to Free Cash Flow (EV/FCFF)	10.20	13.46	0.08	0.00	5.28	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.60	0.66	0.38	0.37	0.38	0.72	0.65	0.63	0.56	0.56
Long-Term Debt to Equity	0.44	0.66	0.38	0.37	0.38	0.72	0.33	0.63	0.56	0.56
Financial Leverage	0.25	0.37	-5.53	0.33	0.48	0.70	-5.00	0.54	0.50	0.62
Leverage Ratio	11.78	11.53	13.08	13.54	14.28	12.72	12.39	11.11	10.94	10.45
Compound Leverage Factor	11.78	11.53	13.08	13.54	14.28	12.72	12.39	11.11	10.94	10.45
Debt to Total Capital	37.32%	39.83%	27.67%	27.11%	27.73%	41.97%	39.25%	38.63%	35.76%	35.92%
Short-Term Debt to Total Capital	9.87%	0.00%	0.00%	0.00%	0.00%	0.00%	19.23%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	27.45%	39.83%	27.67%	27.11%	27.73%	41.97%	20.02%	38.63%	35.76%	35.92%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	62.68%	60.17%	72.33%	72.89%	72.27%	58.03%	60.75%	61.37%	64.24%	64.08%
Debt to EBITDA	2.20	2.57	1.54	1.56	1.55	3.45	3.56	10.39	14.34	15.36
Net Debt to EBITDA	1.23	1.87	-1.30	-1.32	-0.11	2.21	1.97	5.22	3.78	6.26
Long-Term Debt to EBITDA	1.62	2.57	1.54	1.56	1.55	3.45	1.82	10.39	14.34	15.36
Debt to NOPAT	3.66	4.34	2.53	2.56	2.56	5.86	6.15	22.80	30.36	26.52
Net Debt to NOPAT	2.05	3.17	-2.14	-2.16	-0.18	3.76	3.41	11.46	8.00	10.82
Long-Term Debt to NOPAT	2.69	4.34	2.53	2.56	2.56	5.86	3.14	22.80	30.36	26.52
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	4.71	4.67	2,162	-32	8.41	-61	-2,269	-319	-311	-202
Operating Cash Flow to CapEx	27,161.29%	4,193.53%	5,015.24%	161.87%	591.60%	92.87%	902.95%	1,440.55%	432.99%	56.86%
Free Cash Flow to Firm to Interest Expense	5.69	3.45	843.94	-5.47	1.42	-10.63	-346.18	-21.36	-20.64	-15.04
Operating Cash Flow to Interest Expense	10.17	7.19	4.11	0.85	1.34	0.72	0.61	0.42	0.73	0.07
Operating Cash Flow Less CapEx to Interest Expense	10.13	7.01	4.03	0.33	1.11	-0.06	0.54	0.39	0.56	-0.05
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.03	0.04	0.04
Fixed Asset Turnover	10.18	10.34	10.89	9.43	10.22	8.12	7.86	5.85	6.31	6.07
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	253	290	-1,924	257	251	357	348	571	566	566
Invested Capital Turnover	0.33	0.29	-0.10	0.38	0.36	0.28	-0.11	0.23	0.26	0.25
Increase / (Decrease) in Invested Capital	1.67	2.96	-2,155	38	-2.02	67	2,273	314	315	209
Enterprise Value (EV)	247	319	170	114	155	352	304	455	414	450
Market Capitalization	194	234	228	173	159	256	229	344	361	367
Book Value per Share	$13.55	$14.89	$15.49	$15.94	$15.38	$17.53	$17.89	$18.56	$19.19	$19.14
Tangible Book Value per Share	$8.95	$10.30	$10.91	$11.36	$10.83	$12.97	$13.35	$13.45	$14.10	$13.54
Total Capital	253	290	252	257	251	357	348	571	566	566
Total Debt	95	116	70	70	70	150	137	220	202	203
Total Long-Term Debt	70	116	70	70	70	150	70	220	202	203
Net Debt	53	84	-59	-59	-4.87	96	76	111	53	83
Capital Expenditures (CapEx)	0.03	0.23	0.21	3.05	1.35	4.40	0.44	0.44	2.53	1.63
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.78	0.00	0.00
Net Nonoperating Obligations (NNO)	95	116	-2,106	70	70	150	137	220	202	203
Total Depreciation and Amortization (D&A)	2.47	2.11	2.46	2.41	2.40	2.30	1.68	1.41	-0.39	-0.46
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.55	$0.65	$0.60	$0.54	$0.54	$0.49	$0.31	($0.33)	$0.18	$0.29
Adjusted Weighted Average Basic Shares Outstanding	11.68M	11.75M	11.70M	11.72M	11.74M	11.83M	11.75M	18.81M	18.84M	19.05M
Adjusted Diluted Earnings per Share	$0.55	$0.65	$0.59	$0.54	$0.54	$0.50	$0.31	($0.33)	$0.18	$0.29
Adjusted Weighted Average Diluted Shares Outstanding	11.69M	11.75M	11.73M	11.74M	11.76M	11.83M	11.79M	18.94M	18.97M	19.05M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.73M	11.75M	11.75M	11.81M	11.81M	11.83M	18.87M	18.94M	18.95M	19.05M
Normalized Net Operating Profit after Tax (NOPAT)	6.38	7.63	6.97	6.28	6.39	5.89	3.68	-5.51	3.39	6.90
Normalized NOPAT Margin	29.50%	33.24%	30.10%	28.82%	28.90%	26.33%	17.75%	-18.10%	10.81%	20.09%
Pre Tax Income Margin	38.56%	44.90%	40.24%	38.24%	38.39%	34.39%	23.18%	-25.86%	13.28%	28.88%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	10.08	7.62	3.64	1.44	1.43	1.35	0.73	-0.53	0.28	0.74
NOPAT to Interest Expense	7.71	5.64	2.72	1.09	1.08	1.03	0.56	-0.37	0.22	0.51
EBIT Less CapEx to Interest Expense	10.04	7.44	3.56	0.91	1.20	0.58	0.67	-0.56	0.11	0.62
NOPAT Less CapEx to Interest Expense	7.67	5.47	2.64	0.56	0.85	0.26	0.49	-0.40	0.06	0.39
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	21.93%	21.16%	20.43%	20.66%	20.70%	22.15%	25.47%	67.43%	110.67%	107.36%
Augmented Payout Ratio	54.55%	46.73%	28.88%	20.67%	20.70%	22.16%	25.48%	67.62%	111.24%	107.85%

Frequently Asked Questions About Community West Bancshares' Financials

When does Community West Bancshares's financial year end?

According to the most recent income statement we have on file, Community West Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Community West Bancshares' net income changed over the last 2 years?

Community West Bancshares' net income appears to be on a downward trend, with a most recent value of $7.67 million in 2024, falling from $26.65 million in 2022. The previous period was $25.54 million in 2023.

How has Community West Bancshares revenue changed over the last 2 years?

Over the last 2 years, Community West Bancshares' total revenue changed from $84.62 million in 2022 to $116.81 million in 2024, a change of 38.0%.

How much debt does Community West Bancshares have?

Community West Bancshares' total liabilities were at $3.16 billion at the end of 2024, a 41.9% increase from 2023, and a 40.5% increase since 2022.

How much cash does Community West Bancshares have?

In the past 2 years, Community West Bancshares' cash and equivalents has ranged from $25.49 million in 2022 to $30.02 million in 2023, and is currently $28.03 million as of their latest financial filing in 2024.

How has Community West Bancshares' book value per share changed over the last 2 years?

Over the last 2 years, Community West Bancshares' book value per share changed from 14.89 in 2022 to 19.14 in 2024, a change of 28.6%.

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This page (NASDAQ:CWBC) was last updated on 4/15/2025 by MarketBeat.com Staff

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Community West Bancshares (CWBC) Financials

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Community West Bancshares (CWBC) Financials

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