Community West Bancshares (CWBC) Income Statement
CWBC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCWBC revenue and net income
Where CWBC's revenue goes
2025Each bar shows an amount and its share of revenue. CWBC kept 19.6% of revenue as net income.
CWBC profit margins
CWBC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +18.5% | +31.0% | +20.0% | +14.6% |
| Gross profit | +37.1% | +19.8% | +14.1% | +11.4% |
| Operating income | +377.6% | +14.3% | +14.0% | +14.5% |
| Net income | +397.9% | +12.7% | +13.4% | +13.3% |
| EPS (diluted) | +42.0% | −4.5% | +8.2% | +15.5% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CWBC quarterly EPS vs estimates
Community West Bancshares beat the analyst EPS estimate in 3 of the last 8 quarters.
CWBC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $194.6M | $164.2M | $108.1M | $86.7M | $81.5M | $78.1M | $77.7M | $72.8M | $66.4M | $54.7M |
| Cost of revenue | $53.3M | $61.1M | $20.3M | $4.4M | −$3.1M | $4.9M | $3.6M | $1.5M | −$13,000 | −$4.8M |
| Gross profit | $141.3M | $103.1M | $87.8M | $82.2M | $84.6M | $73.2M | $74.2M | $71.3M | $66.4M | $59.5M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $61.6M | $50.7M | $33.2M | $30.3M | $30.2M | $30.2M | $34.4M | $32.7M | $31.1M | $27.6M |
| Total operating expenses | $88.8M | $92.1M | $54.0M | $47.1M | $46.6M | $45.9M | $44.2M | $43.4M | $42.6M | $37.4M |
| Operating income | $52.5M | $11.0M | $33.8M | $35.1M | $38.0M | $27.3M | $30.0M | $27.9M | $23.8M | $22.1M |
| Interest income | $185.7M | $160.4M | $102.4M | $49.1M | $46.1M | $43.9M | $45.7M | $42.6M | $37.4M | $32.2M |
| Interest expense | $49.5M | $50.0M | $20.0M | $3.4M | $1.3M | $1.6M | $2.6M | $1.5M | $1.1M | $1.1M |
| Income before taxes | $52.5M | $11.0M | $33.8M | $35.1M | $38.0M | $27.3M | $30.0M | $27.9M | $23.8M | $22.1M |
| Income taxes | $14.4M | $3.3M | $8.3M | $8.5M | $9.6M | $6.9M | $8.5M | $6.6M | $9.8M | $6.9M |
| Net income | $38.2M | $7.7M | $25.5M | $26.6M | $28.4M | $20.3M | $21.4M | $21.3M | $14.0M | $15.2M |
| EBITDA | $56.8M | $13.2M | $34.7M | $35.9M | $47.0M | $32.8M | $36.3M | $36.1M | $33.8M | $31.3M |
| EPS (diluted) | $2.03 | $1.43 | $2.23 | $2.33 | $2.28 | $1.37 | $1.51 | $1.56 | $1.51 | $1.45 |
| Gross margin | 72.6% | 62.8% | 81.2% | 94.9% | 103.8% | 93.8% | 95.4% | 97.9% | 100.0% | 108.7% |
| Operating margin | 27.0% | 6.7% | 31.3% | 40.6% | 46.7% | 34.9% | 38.5% | 38.3% | 35.9% | 40.4% |
| Net margin | 19.6% | 4.7% | 23.6% | 30.7% | 34.9% | 26.1% | 27.6% | 29.2% | 21.1% | 27.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $48.7M | $50.1M | $49.2M | $49.2M | $48.4M | $47.1M | $46.8M | $45.6M | $44.8M | $27.0M | $15.5M | $27.8M |
| Cost of revenue | $20.8M | $12.0M | $12.4M | $12.6M | $15.3M | $12.9M | $14.7M | $14.6M | $24.8M | $7.1M | $0 | $6.1M |
| Gross profit | $27.8M | $38.1M | $36.7M | $36.6M | $33.1M | $34.2M | $32.1M | $31.0M | $20.1M | $19.8M | $15.5M | $21.6M |
| Sales, general & admin | $20.1M | $15.7M | $15.1M | $13.0M | $12.8M | $13.5M | $13.4M | $14.2M | $14.0M | $9.1M | $8.3M | $7.8M |
| Total operating expenses | $23.7M | $22.4M | $21.4M | $21.6M | $22.3M | $22.9M | $22.2M | $26.9M | $28.0M | $15.0M | $2.7M | $13.1M |
| Operating income | $4.2M | $15.7M | $15.3M | $15.1M | $10.8M | $11.4M | $9.9M | $4.2M | −$7.9M | $4.8M | — | $8.5M |
| Interest income | $66.1M | $47.9M | $47.7M | $46.9M | $46.0M | $45.1M | $45.5M | $45.3M | $44.0M | $25.6M | $25.8M | $14.6M |
| Interest expense | $15.2M | $11.9M | $11.9M | $11.9M | $12.7M | $13.0M | $13.5M | $15.1M | $14.9M | $6.6M | $226,000 | $5.9M |
| Income before taxes | $4.2M | $15.7M | $15.3M | $15.1M | $10.8M | $11.4M | $9.9M | $4.2M | −$7.9M | $4.8M | $939,000 | $8.5M |
| Income taxes | $1.5M | $4.2M | $4.2M | $4.2M | $2.9M | $3.1M | $3.0M | $775,000 | −$1.6M | $1.1M | $460,000 | $2.1M |
| Net income | $2.7M | $11.5M | $11.2M | $10.9M | $7.8M | $8.3M | $6.9M | $3.4M | −$6.3M | $3.7M | $479,000 | $6.4M |
| EBITDA | $7.4M | $16.8M | $16.4M | $16.2M | $12.1M | $12.2M | $9.4M | $3.8M | −$7.1M | $5.2M | $184,000 | $10.9M |
| EPS (diluted) | $0.45 | $0.61 | $0.60 | $0.57 | $0.41 | $0.45 | $0.38 | $0.30 | $0.41 | $0.34 | $0.53 | $0.55 |
| Gross margin | 57.2% | 76.1% | 74.7% | 74.4% | 68.3% | 72.6% | 68.6% | 68.1% | 44.8% | 73.6% | 100.0% | 77.9% |
| Operating margin | 8.6% | 31.4% | 31.2% | 30.6% | 22.2% | 24.1% | 21.2% | 9.1% | −17.6% | 17.8% | — | 30.6% |
| Net margin | 5.5% | 22.9% | 22.7% | 22.1% | 16.2% | 17.6% | 14.7% | 7.4% | −14.0% | 13.6% | 3.1% | 23.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CWBC's financial statements (latest annual report filed March 11, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CWBC financial results
In fiscal year 2025 (ended December 31, 2025), Community West Bancshares reported revenue of $194.6 million, up 18.5% from the year before. It had net income of $38.2 million (up 397.9%), a net profit margin of 19.6%. Diluted earnings per share came to $2.03. Over five years revenue grew at an average rate of 20.0% a year.
See the CWBC stock overview for the latest quote and news, or the CWBC chart for price history and technical indicators.
CWBC income statement FAQ
What is Community West Bancshares's annual revenue?
Community West Bancshares reported total revenue of $194.6 million for fiscal year 2025, which ended on December 31, 2025. That was up 18.5% from $164.2 million the previous year.
Is Community West Bancshares profitable?
Yes. Community West Bancshares reported net income of $38.2 million in fiscal 2025, a net profit margin of 19.6%; its operating margin was 27.0%.
What is Community West Bancshares's gross margin?
Community West Bancshares's gross margin was 72.6% in fiscal 2025: for every $100 of revenue, Community West Bancshares kept $73 after the direct cost of its products and services.
How fast is Community West Bancshares growing?
Revenue grew 20.0% a year on average over the last five fiscal years, from $78.1 million to $194.6 million.
What are Community West Bancshares's earnings per share?
Community West Bancshares earned $2.03 per diluted share in fiscal 2025, compared with $1.43 a year earlier.
When does Community West Bancshares's fiscal year end?
Community West Bancshares's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 11, 2026.