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Community West Bancshares (CWBC) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Community West Bancshares (CWBC) Q3 2026 earnings results →

Q3 2026 Revenue up 53% year over year to $58.0M · 14¢ of every $1 of revenue kept as net profit · operating margin 19.4%

Community West Bancshares made $58.0M in Q3 2026 (+53% Y/Y): Net interest income $53.3M, Noninterest income $4.7M. Operating margin 19.4%, net earnings $8.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$58.0M
Year over year+53%
Operating margin19.4%
Net earnings$8.1M
Operating cash flow$20.9M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $58.0M in Q3 2026, up 53% year over year and up 19% from the previous quarter. Net interest income was the largest line at 92% of revenue. Net interest income added $18.4M year over year (up 53%), 91% of the total change.

Operating profit was $11.3M, a 19.4% margin (down 20.3 points year over year). Operating profit fell $3.8M even though revenue rose $20.1M versus a year earlier, so costs grew faster than sales. Total costs grew 105% against revenue growth of 53%. The fastest-growing cost line was Noninterest expense (+108%). Net earnings were $8.1M, down 26% year over year. The effective tax rate was 28.5%.

Operating cash flow was $20.9M (up 58% year over year), 259% of net earnings. Non-cash charges added back $335K of share-based compensation. Working capital and other items added $12.5M. Capital expenditures of $3.0M left free cash flow of $17.9M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$58.0M+53%19.4%$8.1M$20.9M

Charts

Community West Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026Community West Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$105MOther investing−$91.1MOperating cash flow$61.7MCash drawn (+) / kept (−)−$56.7MDividends−$11.1MCapital spending−$8.6MShares issued$572KBuybacks−$227KAsset & business sales$51K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Community West Bancshares: profit against cash, quarter by quarterCommunity West Bancshares: profit against cash, quarter by quarterNet incomeOperating cash flow$6.9M$5.2MQ4 2024$8.3M$11.1MQ1 2025$7.8M$11.5MQ2 2025$10.9M$13.2MQ3 2025$11.2M$10.3MQ4 2025$11.5M$10.9MQ1 2026$2.7M$19.6MQ2 2026$8.1M$20.9MQ3 2026
Latest (Q3 2026): Net income $8.1M, Operating cash flow $20.9M.
Community West Bancshares: diluted shares by fiscal yearCommunity West Bancshares: diluted shares by fiscal year13MFY202012MFY202112MFY202212MFY202317MFY202419MFY2025
+51.6% since FY2020: more shares outstanding (issuance, stock pay).
Community West Bancshares in its industry: growth against margin (133 companies, SIC 6022)Community West Bancshares in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFCWBC (+53%, 19%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Community West Bancshares

Effective on April 1, 2026, Community West Bancshares completed its merger with United Security Bancshares, with Community West Bancshares continuing as the surviving entity. Shortly thereafter United Security Bank, a wholly owned subsidiary of United Security Bancshares, merged with and into Community West Bank, a wholly-owned subsidiary of Community West Bancshares, with Community West Bank continuing as the surviving banking institution. Pursuant to the terms of the merger agreement, each share of United Security Bancshares common stock was converted into the right to receive 0.4520 shares of Community West Bancshares common stock, with cash to be paid in lieu of any fractional shares.

In its own words, from its 8-K, filed Jul 23, 2026.

Community West Bancshares against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +53% against the peers' median +12%. Operating margin: 19.4% against the peers' median 34.6%.

CompanyQuarterRevenueY/YOp. margin
CWBC Community West BancsharesQ3 2026$58.0M+53%19.4%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Community West Bancshares 10-Q on SEC EDGAR · CIK 1127371 · State Commercial Banks

Guidance and outlook

Community West Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-06)Community West Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-06)The economy3Other3Financing1
7 statements; tone -0.71 (−1 all cautious, +1 all confident); 0 hedged.
Community West Bancshares: outlook statements against the filing beforeCommunity West Bancshares: outlook statements against the filing beforeCautious5

13F: who owns CWBC and who is buying

Largest holders of CWBC (13F)Largest holders of CWBC (13F)BlackRock$64.1MDimensional Fund Advisors LP$34.0MWellington Management Group LLP$30.5MVanguard Capital Management LLC$28.9MState Street$21.9MVanguard Group$21.2MGeode Capital Management, LLC$16.6MSystematic Financial Management LP$13.4MBridgewealth Advisory Group, LLC$13.3MPrivate Management Group$12.3M
Funds' net buying of CWBC by quarter (13F)Funds' net buying of CWBC by quarter (13F)$2.9M2024-09$913K2024-12$2.5M2025-03$6.2M2025-06$6.0M2025-09$1.7M2025-12$20.5M2026-03−$20.4M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on CWBC

History

Every quarter: Q3 2026 results

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中文版：Community West Bancshares（CWBC）财报

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