)
Overview
<ul>
<li>U.S. bank’s Q4 net income rose to $11.17 mln, driven by strong capital foundation</li>
<li>Company announced merger with United Security Bancshares, expected to close in Q2 2026</li>
<li>Net interest margin improved to 4.24% in Q4, reflecting disciplined balance-sheet management</li>
</ul>
Outlook
<ul>
<li>Community West Bancshares expects merger with United Security Bancshares to close in Q2 2026</li>
<li>Company aims to strengthen Central California presence through merger</li>
</ul>
Result Drivers
<ul>
<li>NET INTEREST MARGIN - Net interest margin increased to 4.24% in Q4, reflecting disciplined balance-sheet management</li>
<li>CREDIT LOSS PROVISION - Provision for credit losses decreased to $515,000 in Q4 from $667,000 in Q3</li>
</ul>
Key Details
Metric Beat/Mis Actual Consensu
s s
Estimate
Q4 Net $11.17
Income mln
<h3>Q4 $515,000</h3>
Provisio
n for
Loan
Losses
Analyst Coverage
<ul>
<li>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”</li>
<li>The average consensus recommendation for the banks peer group is “buy”</li>
<li>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</li>
<li>The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 10 three months ago For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</li>
</ul>

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Community West Bancshares' posts Q4 net income boost