Community West Bancshares (CWBC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

By Zacks Equity Research | January 22, 2026, 7:00 PM

For the quarter ended December 2025, Community West Bancshares (CWBC) reported revenue of $38.3 million, up 11.6% over the same period last year. EPS came in at $0.60, compared to $0.38 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $38.1 million, representing a surprise of +0.51%. The company delivered an EPS surprise of +5.26%, with the consensus EPS estimate being $0.57.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Community West Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 58.6% compared to the 58.1% average estimate based on two analysts.
  • Net Interest Margin: 4.2% versus the two-analyst average estimate of 4.2%.
  • Net Charge-Offs (% of Average Loans): 0% versus the two-analyst average estimate of 0.1%.
  • Total Non Interest Income: $2.55 million versus the two-analyst average estimate of $2.65 million.
  • Net Interest Income: $35.75 million compared to the $35.4 million average estimate based on two analysts.

View all Key Company Metrics for Community West Bancshares here>>>

Shares of Community West Bancshares have returned +4.6% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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