
Overview
U.S. bank's Q4 net income rose to $11.17 mln, driven by strong capital foundation
Company announced merger with United Security Bancshares, expected to close in Q2 2026
Net interest margin improved to 4.24% in Q4, reflecting disciplined balance-sheet management
Outlook
Community West Bancshares expects merger with United Security Bancshares to close in Q2 2026
Company aims to strengthen Central California presence through merger
Result Drivers
NET INTEREST MARGIN - Net interest margin increased to 4.24% in Q4, reflecting disciplined balance-sheet management
CREDIT LOSS PROVISION - Provision for credit losses decreased to $515,000 in Q4 from $667,000 in Q3
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $11.17 mln |
|
Q4 Provision for Loan Losses |
| $515,000 |
|
Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"
The average consensus recommendation for the banks peer group is "buy"
Wall Street's median 12-month price target for Community West Bancshares is $25.00, about 5.1% above its January 21 closing price of $23.78
The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 10 three months ago
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