Stock Ratings / Financials / CWBC / financials

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Community West Bancshares (CWBC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$26.10 +0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $26.10

Community West Bancshares (CWBC) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $708.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $26.09 (-0.02%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CWBC)Realized 20D OHLCV Swing Band: ±5.4%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY CWBC SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$25.71+0.2% Next Q

Q2 (-2Q)

Grade C-$25.75+0.8% Next Q

Q3 (-1Q)

Grade C$25.96+0.5% Next Q

Current

Grade C-$26.10+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CWBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, CWBC faces multiple-compression risk if 18.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.04) or 200D SMA ($24.90) invalidates the momentum regime and cuts Target Base ($26.22) toward Bear Floor ($20.45).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CWBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CWBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 59%NO 41%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How CWBC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$43.6M (1.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$38.2M	$43.6M	9.3%
FY 2024	$4.00B	52%	0%	$7.7M	$17.2M	9.3%
FY 2023	$4.00B	52%	0%	$26.6M	$27.5M	9.3%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CWBC)

✓Walkthrough of CWBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CWBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.03%⚡ TESTING RESISTANCE

2026-10-30O $26.24H $26.24L $25.71C $26.10VOL 130.8K

RES: $26.51SUP: $24.82SMA50: $26.04SMA200: $24.90

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CWBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CWBC Butterfly Map → + Track CWBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

11.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CWBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CWBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CWBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CWBC)

Financials Rank #551 of 1096 ⚔️ MSBI vs CWBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (CWBC vs. MSBI, PFIS, AROW, BCAL)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Community West Bancshares (CWBC) ranks #551 by composite RQD confidence (59/100, grade C-) and #622 by equity capitalization ($708.1M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. PFIS currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with CWBC at 59/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CWBC ACTIVE Community West Bancshares	C-	59/100	18.6x	—	9.3%	+0.97%	$708.1M	Benchmark Subject
MSBI Midland States Bancorp Inc.	D	48/100	—	—	-22.0%	-1.23%	$702.0M	/msbi-vs-cwbc →
PFIS Peoples Financial Services Corp.	C+	67/100	12.1x	—	11.4%	+0.37%	$715.3M	/pfis-vs-cwbc →
AROW Arrow Financial Corporation	C+	66/100	16.3x	—	10.2%	+1.67%	$716.2M	/arow-vs-cwbc →
BCAL California BanCorp	C	65/100	10.9x	—	10.9%	-0.46%	$689.3M	/bcal-vs-cwbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001127371

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Community West Bancshares (CWBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $38.2M, operating cash flow of $46.1M, and free cash flow of $43.6M (+154.1% YoY). On the balance sheet, CWBC closed FY2025 with $3.69B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$38.2M	$46.1M	$43.6M	$3.69B	—
FY2024 (FY)	2024-12-31	$0	$7.7M	$22.2M	$17.2M	$3.52B	—
FY2023 (FY)	2023-12-31	$0	$26.6M	$27.5M	$27.5M	—	—

3. CWBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CWBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Community West Bancshares (NASDAQ: CWBC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $26.10 (+0.97% 1D, market cap $708.1M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, CWBC ranks #551 in composite RQD confidence.

How does CWBC compare to MSBI and PFIS in the Financials sector?

Within the Financials sector (Major Banks), CWBC carries a Roarable C- (59/100 RQD), trailing P/E of 18.6x, gross margin of —, and ROIC of 9.3%. By comparison, MSBI (Midland States Bancorp Inc.) holds a D grade (48/100 RQD, P/E N/A, ROIC -22.0%, cap $702.0M) and PFIS (Peoples Financial Services Corp.) posts a C+ grade (67/100 RQD, P/E 12.1x, ROIC 11.4%, cap $715.3M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CWBC?

Per CWBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001127371), Community West Bancshares generated $0 in revenue, $38.2M in net income, and $43.6M in free cash flow against $3.69B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CWBC trading relative to its 50-day, 200-day, and 52-week technical levels?

CWBC last traded at $26.10 (+0.97% on volume of 147,888 shares), positioning the stock +0.23% above its 50-day simple moving average ($26.04) and +4.82% above its 200-day simple moving average ($24.90). Across its 52-week range of $20.70 to $28.17, CWBC sits at the 72.3% percentile with a 14-day RSI of 47.7 (NEUTRAL RANGE) and an implied next-earnings move of ±5.4% ($24.69 to $27.51).

CWBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Community West Bancshares (CWBC)?

In FY 2025 (10-K), CWBC converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $43.6M in free cash flow (1.1% FCF margin).

Direct Sub-Reports: CWBC RQD Cockpit CWBC 12M Forecast CWBC Earnings & Move CWBC Dividends & DRIP CWBC Insiders & 13F CWBC Whale Options CWBC Profit Sankey CWBC News & Why