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

Group 1 - Community West Bancshares reported $34.33 million in revenue for Q4 2024, a year-over-year increase of 53.4% [1] - The EPS for the same period was $0.38, down from $0.50 a year ago, indicating a decline [1] - The reported revenue exceeded the Zacks Consensus Estimate of $34.14 million by 0.54%, while the EPS fell short of the consensus estimate of $0.45 by 15.56% [1] Group 2 - Key metrics indicate that Community West Bancshares has underperformed, with shares returning -3.8% over the past month compared to the S&P 500's +2.7% [3] - The company has a Zacks Rank of 4 (Sell), suggesting potential underperformance in the near term [3] Group 3 - Efficiency Ratio was reported at 67.6%, higher than the average estimate of 64.5% [4] - Net Interest Margin was 4%, exceeding the estimated 3.8% [4] - Total Nonaccrual Loans were $6.46 million, significantly above the average estimate of $3.36 million [4] - Average Interest-Earning Assets were $3.26 billion, slightly below the estimated $3.33 billion [4] - Total Nonperforming Assets matched the Nonaccrual Loans at $6.46 million, again above the average estimate of $3.36 million [4] - Net Charge-Offs were reported at 0%, better than the average estimate of 0.1% [4] - Total Non Interest Income was $2.30 million, below the average estimate of $2.96 million [4] - Net Interest Income was $32.02 million, surpassing the estimated $31.22 million [4]