Community West Bancshares (CWBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$26.61+0.80%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CWBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -29.6% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 9.7% |
Growth built into the price is above our model estimate.
The price assumes 39.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
CWBC — earnings miss
Dated 2026-07-23
Results of Operations and Financial Condition On July 23, 2026, Community West Bancshares issued a press release containing unaudited financial information and accompanying discussion for the quarter ended June 30, 2026. The press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.
Why it matters: Revenue growth trends are key for the financial sector's health. A drop signals weakening demand.
Worry ifRevenue growth falls below the median of the last three years.
Less concerning ifRevenue growth stays above the median of the last three years.
Why it matters: A drop in EPS may show ongoing profit issues. This can change how the market sees the company.
Worry ifQ3 diluted EPS reported below $0.10.
Less concerning ifQ3 diluted EPS exceeds $0.10.
Why it matters: Revenue growth is crucial for stability. A drop below 5% could signal trouble.
Worry ifQ2 revenue growth reported below 5% year over year.
Less concerning ifQ2 revenue growth exceeds 5% year over year.
Why it matters: A lower growth rate may show trouble in getting new deposits after the merger.
Worry ifTotal deposits increase less than 10% in Q3.
Less concerning ifTotal deposits increase by 10% or more in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$81 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $192 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,259 loss on $10,000 · 12.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Successful integration helps the company grow. It also leads to better financial results.
Supportive ifManagement says they hit integration goals by Q3.
Worry ifIntegration problems continue. This may cause more delays or higher costs.
Why it matters: Interest rate changes can impact loan demand and net interest margins for banks.
Watch forFOMC raises interest rates.
Also watch forFOMC lowers interest rates or keeps them unchanged.
Why it matters: Good integration helps the company grow. It also keeps performance steady.
Supportive ifManagement says the merger integration is done. They report good results.
Worry ifManagement says there are still issues with the merger integration.
Why it matters: Slow deposit growth may show trouble in keeping customers after the merger.
Worry ifTotal deposits grew by less than 20% from last year.
Less concerning ifTotal deposits grew more than 20% year-over-year. This shows strong customer retention.
Why it matters: Successful integration of USB is key to growth and stability for CWBC. It will show if the acquisition adds value as planned.
Supportive ifManagement says they integrated USB successfully. This happened within six months after the deal.
Worry ifThere are problems with integration. This delays the benefits from the USB acquisition.
Why it matters: A big increase might mean worse credit quality. This can affect future earnings.
Worry ifProvision for credit losses goes up a lot over $5.6 million.
Less concerning ifProvision for credit losses stays under $5.6 million.
Why it matters: Finishing the USB acquisition is key for growth. It could boost market position and revenue.
Supportive ifThe official announcement says the acquisition of USB is done.
Worry ifThe buying process is taking longer or may not happen.
Why it matters: If it falls below this threshold, it may show profit pressure from rising costs.
Worry ifNet interest margin is below 4.30%.
Less concerning ifNet interest margin remains above 4.30%.
Why it matters: If it goes above this level, it may show worse credit quality. This can affect future earnings.
Worry ifProvision for credit losses exceeds $6 million in Q3.
Less concerning ifProvision for credit losses remains below $6 million in Q3.
Why it matters: A big drop in net income would show problems after the merger. This could hurt investor trust.
Worry ifQ3 net income reported below $2.7 million, a decline worse than 75% year over year.
Less concerning ifQ3 net income is still above $2.7 million. This shows recovery or stability.
Why it matters: Slower loan growth may show problems with the merger. This could affect future earnings.
Worry ifLoan growth reported below 30% year over year in Q3.
Less concerning ifLoan growth is above 30% year over year. This shows strong demand and success in merging.
Why it matters: Consistent dividends show that management cares about capital use. This can boost investor trust.
Supportive ifDividend declared remains at $0.12 per share for Q3.
Worry ifDividend is cut or not declared for Q3.