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Community West Bancshares
Community West Bancshares (CWBC) investor relations material
Community West Bancshares Q4 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2026 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $11.17 million ($0.58 per diluted share), up from $6.90 million ($0.36 per share) in Q4 2024 and $10.87 million ($0.57 per share) in Q3 2025.
A definitive merger agreement with United Security Bancshares was announced, expected to close in Q2 2026, creating a combined entity with ~$5 billion in assets.
A quarterly cash dividend of $0.12 per share was declared, payable February 20, 2026.
Financial highlights
Net interest income before provision for credit losses rose to $35.75 million in Q4 2025, up 11.6% year-over-year.
Provision for credit losses was $515,000 in Q4 2025, down from $1.22 million in Q4 2024.
Total non-interest income for Q4 2025 was $2.55 million, a 14.1% decrease sequentially, but up 10.6% year-over-year.
Total non-interest expense for Q4 2025 was $22.45 million, up 1.3% sequentially, but down 3.2% year-over-year.
For the full year 2025, net income was $38.17 million ($2.00 per share), up from $7.67 million ($0.45 per share) in 2024.
Outlook and guidance
The merger with United Security Bancshares is expected to close in Q2 2026, subject to regulatory and shareholder approvals.
Management anticipates continued strong capital and operating performance, with a focus on expanding Central California presence.
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Next Community West Bancshares earnings date
Q1 202620 Apr, 2026
Community West Bancshares
Next Community West Bancshares earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
Community West Bancshares operates as the holding company for Community West Bank, a full-service commercial bank. The bank provides a range of financial products and services tailored to small and medium-sized businesses, as well as individuals. These offerings include commercial and residential real estate loans, small business loans, agricultural loans, and personal banking services such as savings accounts, checking accounts, and certificates of deposit. Community West Bank also provides online banking, cash management services, and various financial solutions to support local businesses and communities. The company is headquartered in Goleta, California, and its shares are listed on the NASDAQ.
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