CWBC (Community West Bancshares) Cyclically Adjusted FCF per Share: $2.17 (As of Mar. 2026)


CWBC Community West Bancshares CWBC
60 GF Score
Price $26.96
GF Value $23.87
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Community West Bancshares Cyclically Adjusted FCF per Share?

Community West Bancshares CWBC -1.78% 60 Cyclically Adjusted FCF per Share is $2.17 as of Mar. 2026. GuruFocus rates CWBC with a GF Score™ of 60/100 and a GF Value™ of $23.87 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Community West Bancshares's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.429. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.17 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Community West Bancshares's average Cyclically Adjusted FCF Growth Rate was 3.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 1.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 5.40% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 6.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Community West Bancshares was 9.50% per year. The lowest was 1.30% per year. And the median was 5.70% per year.

As of today (2026-07-04), Community West Bancshares's current stock price is $26.96. Community West Bancshares's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $2.17. Community West Bancshares's Cyclically Adjusted Price-to-FCF of today is 12.42.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Community West Bancshares was 17.61. The lowest was 5.96. And the median was 11.20.


Community West Bancshares  (NAS:CWBC) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Community West Bancshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=26.96/2.17
=12.42

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Community West Bancshares was 17.61. The lowest was 5.96. And the median was 11.20.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Community West Bancshares Cyclically Adjusted FCF per Share Related Terms


Community West Bancshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Community West Bancshares's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Community West Bancshares Cyclically Adjusted FCF per Share Chart

Community West Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.82 2.06 2.09 2.07 2.14

Community West Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.09 2.12 2.14 2.14 2.17

CWBC vs IBCP, CARE, WASH: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Community West Bancshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Community West Bancshares Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Community West Bancshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Community West Bancshares's Cyclically Adjusted Price-to-FCF falls into.


CWBC
60GF Score
Community West Bancshares CWBC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Community West Bancshares Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Community West Bancshares's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.429/330.2130*330.2130
=0.429

Current CPI (Mar. 2026) = 330.2130.

Community West Bancshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.242 241.018 0.332
201609 0.270 241.428 0.369
201612 0.178 241.432 0.243
201703 0.640 243.801 0.867
201706 0.494 244.955 0.666
201709 0.503 246.819 0.673
201712 0.300 246.524 0.402
201803 0.427 249.554 0.565
201806 1.019 251.989 1.335
201809 0.109 252.439 0.143
201812 0.606 251.233 0.797
201903 0.492 254.202 0.639
201906 0.191 256.143 0.246
201909 0.492 256.759 0.633
201912 0.368 256.974 0.473
202003 0.462 258.115 0.591
202006 -0.339 257.797 -0.434
202009 0.388 260.280 0.492
202012 0.718 260.474 0.910
202103 0.481 264.877 0.600
202106 1.676 271.696 2.037
202109 0.342 274.310 0.412
202112 0.885 278.802 1.048
202203 -0.054 287.504 -0.062
202206 0.520 296.311 0.579
202209 0.718 296.808 0.799
202212 0.810 296.797 0.901
202303 0.880 301.836 0.963
202306 0.161 305.109 0.174
202309 0.563 307.789 0.604
202312 -0.094 306.746 -0.101
202403 0.304 312.332 0.321
202406 0.253 314.175 0.266
202409 0.275 315.301 0.288
202412 0.188 315.605 0.197
202503 0.565 319.799 0.583
202506 0.555 322.561 0.568
202509 0.669 324.800 0.680
202512 0.497 324.054 0.506
202603 0.429 330.213 0.429

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.17 mean?
Community West Bancshares (CWBC) has a Cyclically Adjusted FCF per Share of $2.17 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Community West Bancshares and its competitors.
Is Community West Bancshares' Cyclically Adjusted FCF per Share too high?
Community West Bancshares' current Cyclically Adjusted FCF per Share is $2.17. Overall, Community West Bancshares has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community West Bancshares' Cyclically Adjusted FCF per Share compare to IBCP and CARE?
Community West Bancshares' Cyclically Adjusted FCF per Share of $2.17 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Community West Bancshares and its competitors. Community West Bancshares's current Cyclically Adjusted FCF per Share is $2.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community West Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Community West Bancshares (CWBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.87, compared to a current price of $26.96 — trading 12.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.17. Community West Bancshares' overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Community West Bancshares (CWBC), the current Cyclically Adjusted FCF per Share is $2.17 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Community West Bancshares (CWBC) Overvalued in 2026?

Based on GuruFocus' analysis, Community West Bancshares stock appears to be overvalued. The current stock price of $26.96 is trading 12.9% above its estimated GF Value™ of $23.87. GuruFocus considers Community West Bancshares to be Modestly Overvalued.

Key valuation signals for CWBC:

  • Cyclically Adjusted FCF per Share: $2.17
  • GF Value™: $23.87 vs. price of $26.96 (12.9% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the CWBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Community West Bancshares Business Description

Address 7100 North Financial Drive, Suite 101, Fresno, CA, USA, 93720
Community West Bancshares is a bank holding company whose principal business is to serve as the holding company for its wholly-owned subsidiary Community West Bank N.A. Through CWB, the company provides a variety of financial products and full-service Banking Centers within California's Greater Sacramento, San Joaquin Valley, and Central Coast regions, that provide Commercial Lending, Real Estate, Agribusiness, Private Banking, and Cash Management Departments. The company has one reportable segment: Banking operations. Loans and leases, investment securities, interest-bearing deposits and non-interest income provide the revenues of the banking operation.
60GF Score

Get the complete analysis for CWBC

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.96
Price
$23.87
GF Value