ROARABLE
FREE $100K
Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / CWBC / options
PFIS (63) BCAL (62) AROW (64) MSBI (54) ⌘ Pro Terminal →

Community West Bancshares (CWBC) Options Positioning, Max Pain & Unusual Sweeps

$26.36 +2.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $26.41

Community West Bancshares (CWBC) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $699.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CWBC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CWBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Community West Bancshares (NASDAQ: CWBC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $26.36 (+2.21% 1D, market cap $699.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, CWBC ranks #398 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CWBC compare to PFIS and BCAL in the Financials sector?
▼

Within the Financials sector (Major Banks), CWBC carries a Roarable C- (60/100 RQD), trailing P/E of 18.6x, gross margin of —, and ROIC of 9.3%. By comparison, PFIS (Peoples Financial Services Corp.) holds a C grade (63/100 RQD, P/E 12.1x, ROIC 11.4%, cap $703.9M) and BCAL (California BanCorp) posts a C grade (62/100 RQD, P/E 10.9x, ROIC 10.9%, cap $690.6M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CWBC?
▼

Per CWBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001127371), Community West Bancshares generated $1.55B in revenue (+4.8% YoY), $38.2M in net income, and $43.6M in free cash flow against $3.69B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $26.42 (+0.21%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 2.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C
Cash (11)Whales (9)SEC (13)Macro (12)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$31 Bull$27 Base$21 Bear
📬 FREE CWBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CWBC)Realized 20D OHLCV Swing Band: ±5.2%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY CWBC SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$25.86-0.5% Next Q
Q2 (-2Q)
55
Grade C$25.72+0.9% Next Q
Q3 (-1Q)
57
Grade C$25.94+1.6% Next Q
Current
60
Grade C-$26.36+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CWBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, CWBC faces multiple-compression risk if 18.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.03) or 200D SMA ($24.93) invalidates the momentum regime and cuts Target Base ($26.60) toward Bear Floor ($20.75).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CWBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CWBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±5.2%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CWBC)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CWBC.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CWBC & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on CWBC
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
CWBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.36%⚡ TESTING RESISTANCE
2026-11-03O $26.10H $26.36L $25.79C $26.36VOL 130.9K
RES: $26.47SUP: $24.79SMA50: $26.03SMA200: $24.93
$28.59$26.86$25.14$23.42$21.70RES $26.47SUP $24.79$26.362026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CWBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CWBC Butterfly Map → + Track CWBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
11.9%/yr Implied 5Y Growth

vs. +4.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CWBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CWBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CWBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CWBC)

Financials Rank #398 of 1097 ⚔️ PFIS vs CWBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (CWBC vs. PFIS, BCAL, AROW, MSBI)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Community West Bancshares (CWBC) ranks #398 by composite RQD confidence (60/100, grade C-) and #622 by equity capitalization ($699.7M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. AROW currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with CWBC at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CWBC ACTIVE
Community West Bancshares
C- 60/100 18.6x — 9.3% +2.21% $699.7M Benchmark Subject
PFIS
Peoples Financial Services Corp.
C 63/100 12.1x — 11.4% +6.54% $703.9M /pfis-vs-cwbc →
BCAL
California BanCorp
C 62/100 10.9x — 10.9% +1.86% $690.6M /bcal-vs-cwbc →
AROW
Arrow Financial Corporation
C 64/100 16.3x — 10.2% +2.35% $710.6M /arow-vs-cwbc →
MSBI
Midland States Bancorp Inc.
D+ 54/100 — — -22.0% +1.62% $682.5M /msbi-vs-cwbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001127371 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Community West Bancshares (CWBC) reported GAAP revenue of $1.55B (+4.8% vs. FY2024 revenue of $1.48B , and +1130.6% cumulative change since FY2023) , GAAP net income of $38.2M, operating cash flow of $46.1M, and free cash flow of $43.6M (+154.1% YoY). On the balance sheet, CWBC closed FY2025 with $3.69B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.55B $38.2M $46.1M $43.6M $3.69B —
FY2024 (FY) 2024-12-31 $1.48B $7.7M $22.2M $17.2M $3.52B —
FY2023 (FY) 2023-12-31 $125.9M $26.6M $27.5M $27.5M — —

3. CWBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CWBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Community West Bancshares (NASDAQ: CWBC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $26.36 (+2.21% 1D, market cap $699.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, CWBC ranks #398 in composite RQD confidence.

How does CWBC compare to PFIS and BCAL in the Financials sector?

Within the Financials sector (Major Banks), CWBC carries a Roarable C- (60/100 RQD), trailing P/E of 18.6x, gross margin of —, and ROIC of 9.3%. By comparison, PFIS (Peoples Financial Services Corp.) holds a C grade (63/100 RQD, P/E 12.1x, ROIC 11.4%, cap $703.9M) and BCAL (California BanCorp) posts a C grade (62/100 RQD, P/E 10.9x, ROIC 10.9%, cap $690.6M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CWBC?

Per CWBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001127371), Community West Bancshares generated $1.55B in revenue (+4.8% YoY), $38.2M in net income, and $43.6M in free cash flow against $3.69B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CWBC trading relative to its 50-day, 200-day, and 52-week technical levels?

CWBC last traded at $26.36 (+2.21% on volume of 130,210 shares), positioning the stock +1.27% above its 50-day simple moving average ($26.03) and +5.74% above its 200-day simple moving average ($24.93). Across its 52-week range of $20.70 to $28.17, CWBC sits at the 75.8% percentile with a 14-day RSI of 47.7 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($24.99 to $27.73).

Direct Sub-Reports: CWBC RQD Cockpit CWBC 12M Forecast CWBC Earnings & Move CWBC Dividends & DRIP CWBC Insiders & 13F CWBC Whale Options CWBC Profit Sankey CWBC News & Why
ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

CWBC — Community West Bancshares: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Community West Bancshares (CWBC) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $26.36 (+2.21% 1D, market capitalization $699.7M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 9.3%, gross margin of —, operating margin of —, and free cash flow yield of 6.16%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Community West Bancshares (CWBC) is listed on NASDAQ and classified in the Financials sector, Major Banks industry,..7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Community West Bancshares (CWBC) reported $1.55B in annual revenue (up from $1.48B in FY2024, +4.8% YoY) and $38.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($125.9M revenue, $26.6M net income) through FY2025, CWBC scaled operating cash flow to $46.1M and free cash flow to $43.6M, backed by $3.69B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.16% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $20.70 – $28.17 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 18.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — A prospective investor should note that the absence of mapped links means the source cannot identify how a sector-level shock might propagate to CWBC.

  • Key Question #1: Can CWBC sustain or expand its — operating margin and 9.3% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.55B and free cash flow of $43.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CWBC's 17.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CWBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Community West Bancshares (CWBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CWBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CWBC Bull vs. Bear Conversation Board — What's Your Call at $26.36?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CWBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CWBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $30.95 (+20.0%)
📌 Pinned Debate

Insider-flow pillar (15 / 20) is the strongest component, and a 6.16% FCF yield at a forward P/E of 17.3 offers cash-based support.

Long CWBC at $25.79 targeting $30.95. Insider-flow pillar (15 / 20) is the strongest component, and a 6.16% FCF yield at a forward P/E of 17.3 offers cash-based support.. Institutional whale score is 9/20 and the risk/reward vs. the $20.70 52-week low is skewed heavily in favor of bulls.

EarningsSniper 🐂 BULL

@SkepticalCFA Shorting a 9/20 institutional whale-flow stock at $25.79 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $19.60 (-24.0%)
Spot @ $25.79

Valuation & margin reality check on CWBC at $25.79 before chasing here

Here is the bear case nobody on the bull side wants to address on CWBC: Valuation & margin reality check on CWBC at $25.79 before chasing here. At 18.6x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $202.06 -1.26% AAPL $338.32 -1.83% MSFT $507.12 -2.83% TSLA $403.82 +1.00% PLTR $178.34 -3.13% SOFI $16.60 -0.95% IBIT $43.35 -5.42% GLD $361.65 -3.59%