Stock fact sheet · data as of
Community West Bancshares (CWBC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is CWBC undervalued?
Community West Bancshares (CWBC) closed at 25.77 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 46.09, which puts the price 44% below it. 7 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DDM (7.06) and Graham Growth (89.79). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files CWBC under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for CWBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 47.99 | +86% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 30.50 | +18% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 89.79 | +248% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 39.24 | +52% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 57.70 | +124% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 55.31 | +115% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 69.74 | +171% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 7.06 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 17.44 | -32% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -150.17 | -683% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 30.50 | +18% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Community West Bancshares scores only 4 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability CWBC scores 5.8/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 6.9%, ROE 9.3%, ROA 1.0% - with debt at 0.35 times equity and a free-cash-flow yield of 8.8%.
The dividend yield is 1.86% at a payout ratio of 28%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Banking Operations 100% (fiscal year FY2025).
Institutional ownership scores 9/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 6.9% |
|---|---|---|---|
| GLS Moat | 5.8 / 10 | ROE | 9.3% |
| Debt / equity | 0.35 | ROA | 1.0% |
| Free-cash-flow yield | 8.8% | Payout ratio | 28% |
| Institutions | 9 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 70: Good
With a Wheel Score of 70 - the Good band - Community West Bancshares clears the Sunday Scan's "70 or higher" rule. The parts: Value 25/25, Health 9/20, Moat 9/15, Premium 20/20, Stability 8/20; Stability (8/20) scores lowest.
Implied volatility is 48% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 357 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 141k shares a day on a market cap of $543M, with a beta of 0.81; the Stability part of the Wheel Score gives that 8 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 44% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 9 / 15 | moat 5.8/10 | |
| Premium | 20 / 20 | implied volatility 48% | |
| Stability | 8 / 20 | 141k shares/day, $543M cap, beta 0.81 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Community West Bancshares reports earnings on 21 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Community West Bancshares by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| NRIM Northrim BanCorp, Inc. | 24.43 | 82.21 | +70% | 76Good | $543M |
| NPB Northpointe Bancshares, Inc. | 15.62 | 47.93 | +67% | 39No options | $540M |
| UNTY Unity Bancorp, Inc. | 54.53 | 73.48 | +26% | 69Good | $548M |
| BSVN Bank7 Corp. | 55.49 | 109.57 | +49% | 39No options | $529M |
| CIVB Civista Bancshares, Inc. | 26.85 | 37.06 | +28% | 71Good | $558M |
| SFST Southern First Bancshares, Inc. | 59.22 | 74.22 | +20% | 69Good | $561M |
| BWFG Bankwell Financial Group, Inc. | 65.17 | 98.46 | +34% | 39No options | $520M |
| HBCP Home Bancorp, Inc. | 65.87 | 90.49 | +27% | 80Prime | $518M |
| BWB Bridgewater Bancshares, Inc. | 20.37 | 25.80 | +21% | 65Good | $568M |
| KRNY Kearny Financial Corp. | 9.01 | 18.53 | +51% | 77Good | $569M |
| FFMR First Farmers Financial Corporation | 37.25 | 61.90 | +40% | 39No options | $517M |
| BWBBP Bridgewater Bancshares, Inc. | 19.38 | 25.09 | +23% | 39No options | $575M |
⚖ Compare CWBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CWBC
Is CWBC undervalued right now?
By the GLS models, yes: at 25.77 the stock is 44% below the average fair value of 46.09 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CWBC and what does it mean?
CWBC scores 70 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for CWBC?
46.09 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Community West Bancshares report earnings next?
The next earnings report is due on 21 Oct 2026 (after the close), 5 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does CWBC have listed options, and how liquid are they?
Yes. The nightly snapshot found 112 listed contracts with 357 open interest across all expiries and implied volatility of 48% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.