Pulling SEC filings + quote and writing the call…

Community West Bancshares
Next earnings Jul 15, 2026 · consensus $0.37 EPS, $54.8M rev
Last earnings -0.1% on 2026-04-23
Post-merger CWBC is finally earning its keep at 9.9% ROE and 4.15% NIM, but ag concentration and a thin valuation cushion keep this a hold.
Sources: SEC EDGAR (CIK 0001127371, latest 10-Q filed 2026-05-08) · EODHD · analysis by claude-code · as of 6/25/2026, 3:12:38 PM.
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Middling fundamentals offset by an attractive price (~186% below fair value) — worth a look on the value angle.
FY2025 is the first clean year following the April 2024 Central Valley/Community West merger, and the numbers reflect a normalized franchise rather than genuine organic acceleration. Net income rebounded to $38.2M from a merger-charge-depressed $7.67M in 2024, diluted EPS hit $2.00 vs. $0.45, and management explicitly attributes the swing to 'a full year of earnings from the 2024 merger, and a decrease of $8,816,000 in merger related expenses.' Underneath that, the operating story is genuinely better: net interest margin expanded to 4.15% from 3.76%, net interest income grew 23.4% to $136.2M, cost of deposits fell to 1.41%, and net loans grew 8.77%. ROA of 1.07% and ROE of 9.92% are respectable community-bank metrics, and capital is comfortably above well-capitalized thresholds (Tier 1 Leverage 9.80%, CET1 11.56%, Total Risk-Based 13.97%).
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $28.4M | $26.6M | $25.5M | $7.67M | $38.2M |
| Diluted EPS | $2.31 | $2.27 | $2.17 | $0.45 | $2.00 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Amended prior 8-K, likely adding required financials for the April acquisition.
Annual meeting voting results disclosed; routine governance outcome.
Q1 2026 10-Q filed; first quarterly results following strong FY2025 rebound.
Reg FD disclosure with investor presentation exhibit; no new financial detail.
Released Q1 2026 earnings; continues post-merger profitability recovery.
Filed proxy for annual meeting; routine governance and pay disclosures.
Closed acquisition, named new officer, disclosed vote results; expanded franchise.
Other-event disclosure; no material financial impact indicated.
Other-event disclosure with exhibits; non-financial in nature.
1072 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 3 open-market buys · 0 sales
| 2026-06-01 | CAGLE DAWN M EXECUTIVE VICE PRESIDENT | Buy | 166.00 @ $20.91 | $3.47K |
| 2026-06-01 | LIVINGSTON SHANNON R EXECUTIVE VICE PRESIDENT | Buy | 94.00 @ $20.91 | $1.97K |
| 2026-05-30 | LIVINGSTON SHANNON R EXECUTIVE VICE PRESIDENT | Tax | 907.00 @ $24.01 | $21.8K |
| 2026-05-30 | CAGLE DAWN M EXECUTIVE VICE PRESIDENT | Tax | 212.00 @ $24.01 | $5.09K |
| 2026-05-30 | MARTIN JEFFREY MICHAEL EXECUTIVE VICE PRESIDENT | Tax | 726.00 @ $24.01 | $17.4K |
| 2026-05-22 | STOVESAND KIRK Director | Buy | 257.00 @ $23.90 | $6.14K |
| 2026-05-17 | MARTIN JEFFREY MICHAEL EXECUTIVE VICE PRESIDENT | Tax | 603.00 @ $23.20 | $14.0K |