Community West Bancshares Common Stock (CWBC)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Community West trades at $25.86, or 14.69 times FairStock's earnings figure and 1.15 times book. For a bank producing a FairStock ROE of 7.33%, that is not a Graham-style bargain; a 1.15x book multiple implies the market expects better returns ahead. The Lynch classification is STALWART, based on 13.4% annual profit growth over five years, yet the filed record is uneven: in fiscal year 2023, the year ended 2023-12-31, net income was $25.5M and EPS $2.17; in fiscal year 2024, the year ended 2024-12-31, net income was $7.7M and EPS $0.45; in fiscal year 2025, the year ended 2025-12-31, net income was $38.2M and EPS $2.00. In fiscal Q1 2026, the quarter ended 2026-03-31, net income was $11.5M and EPS $0.60. In fiscal Q2 2026, the quarter ended 2026-06-30, net income fell to $2.7M and EPS to $0.10. That is a sharp deterioration and helps explain the -65.59% profit growth figure. The FairStock Piotroski F-Score is 3/9, which is weak. The 1.86% dividend and 0.81 beta suggest some defensive appeal, and Central California agribusiness relationships may be a local moat. But I cannot verify credit quality or capital strength because CET1 and net interest margin are not in the data; a combined ratio is an insurance metric, not relevant here. D/E is also unavailable. With price near the middle of its 52-week range, I would call it fair, not compelling, until earnings stabilize and returns on equity improve.

In plain English: Community West is a California bank that serves businesses, farms and individuals. Its profits have jumped around lately, and the latest reported quarter was much weaker than the prior quarter, so the business looks only fair rather than clearly strong. At $25.86, the price looks roughly in line with its earnings and book value, not obviously cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer