Community West Bancshares (CWBC) — Cash Flow Quality Index
Community West Bancshares (CWBC) has a Cash Flow Quality Index of 0.95x as of March 2026. Operating cash flow of $10.92 Million is below net income of $11.49 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can Community West Bancshares service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Community West Bancshares Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for Community West Bancshares across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Community West Bancshares (CWBC) cash conversion ratio.
Annual Cash Flow Quality Index for Community West Bancshares (1996–2025)
Year-by-year earnings quality comparison for Community West Bancshares.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.21x | $46.12 Million | $38.17 Million | ▼ -58.3% |
| 2024 | 2.90x | $22.20 Million | $7.67 Million | ▲ +168.7% |
| 2023 | 1.08x | $27.53 Million | $25.54 Million | ▲ +147.6% |
| 2022 | 0.44x | $5.86 Million | $13.45 Million | ▼ -74.3% |
| 2021 | 1.70x | $22.22 Million | $13.10 Million | ▼ -11.7% |
| 2020 | 1.92x | $15.84 Million | $8.24 Million | ▲ +9.8% |
| 2019 | 1.75x | $13.94 Million | $7.96 Million | ▲ +24.6% |
| 2018 | 1.40x | $29.91 Million | $21.29 Million | ▼ -21.9% |
| 2017 | 1.80x | $25.22 Million | $14.03 Million | ▲ +110.0% |
| 2016 | 0.86x | $13.00 Million | $15.18 Million | ▼ -46.4% |
| 2015 | 1.60x | $17.52 Million | $10.96 Million | ▼ -50.7% |
| 2014 | 3.24x | $17.16 Million | $5.29 Million | ▲ +71.5% |
| 2013 | 1.89x | $15.59 Million | $8.25 Million | ▲ +95.6% |
| 2012 | 0.97x | $7.26 Million | $7.52 Million | ▼ -69.6% |
| 2011 | 3.18x | $20.58 Million | $6.48 Million | ▼ -26.5% |
| 2010 | 4.32x | $14.18 Million | $3.28 Million | ▲ +60.4% |
| 2009 | 2.70x | $6.98 Million | $2.59 Million | ▲ +144.0% |
| 2008 | 1.10x | $5.68 Million | $5.14 Million | ▼ -11.9% |
| 2007 | 1.25x | $7.88 Million | $6.28 Million | ▼ -8.8% |
| 2006 | 1.38x | $9.50 Million | $6.91 Million | ▼ -22.8% |
| 2005 | 1.78x | $10.76 Million | $6.04 Million | ▲ +171.3% |
| 2004 | 0.66x | $2.42 Million | $3.69 Million | ▼ -59.3% |
| 2003 | 1.61x | $5.43 Million | $3.37 Million | ▼ -4.4% |
| 2002 | 1.69x | $4.69 Million | $2.78 Million | ▼ -26.4% |
| 2001 | 2.29x | $5.45 Million | $2.38 Million | ▼ -33.5% |
| 2000 | 3.45x | $6.02 Million | $1.75 Million | ▼ -42.6% |
| 1999 | 6.01x | $4.31 Million | $717.99K | ▲ +250.1% |
| 1998 | -4.00x | $-11.60 Million | $2.90 Million | ▼ -611.1% |
| 1997 | -0.56x | $-900.00K | $1.60 Million | ▼ -306.3% |
| 1996 | 0.27x | $300.00K | $1.10 Million | — |