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Side-by-side financial comparison of Community West Bancshares (CWBC) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
Community West Bancshares is the larger business by last-quarter revenue ($38.3M vs $35.3M, roughly 1.1× UNITY BANCORP INC). On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs 11.6%). UNITY BANCORP INC produced more free cash flow last quarter ($44.3M vs $43.6M). Over the past eight quarters, Community West Bancshares's revenue compounded faster (36.0% CAGR vs 17.5%).
Community West BancsharesCWBCEarnings & Financial Report
Community West Bancshares is a registered bank holding company headquartered in California. It wholly owns Community West Bank under the Bank Holding Company Act.
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
CWBC vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $38.3M | $35.3M |
| Net Profit | — | $15.5M |
| Gross Margin | — | — |
| Operating Margin | 40.0% | 55.8% |
| Net Margin | — | 43.9% |
| Revenue YoY | 11.6% | 24.2% |
| Net Profit YoY | — | 34.5% |
| EPS (diluted) | $0.58 | $1.52 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $38.3M | $35.3M | ||
| Q3 25 | $37.9M | $32.8M | ||
| Q2 25 | $35.7M | $34.4M | ||
| Q1 25 | $34.8M | $29.4M | ||
| Q4 24 | $34.3M | $28.4M | ||
| Q3 24 | $31.3M | $27.7M | ||
| Q2 24 | $30.5M | $25.5M | ||
| Q1 24 | $20.7M | $25.6M |
| Q4 25 | — | $15.5M | ||
| Q3 25 | $10.9M | $14.4M | ||
| Q2 25 | $7.8M | $16.5M | ||
| Q1 25 | $8.3M | $11.6M | ||
| Q4 24 | — | $11.5M | ||
| Q3 24 | $3.4M | $10.9M | ||
| Q2 24 | $-6.3M | $9.5M | ||
| Q1 24 | $3.7M | $9.6M |
| Q4 25 | 40.0% | 55.8% | ||
| Q3 25 | 39.8% | 57.5% | ||
| Q2 25 | 30.2% | 62.6% | ||
| Q1 25 | 32.7% | 52.6% | ||
| Q4 24 | 31.0% | 51.0% | ||
| Q3 24 | 13.3% | 52.7% | ||
| Q2 24 | -25.9% | 49.3% | ||
| Q1 24 | 23.2% | 50.0% |
| Q4 25 | — | 43.9% | ||
| Q3 25 | 28.7% | 43.8% | ||
| Q2 25 | 22.0% | 48.0% | ||
| Q1 25 | 23.8% | 39.5% | ||
| Q4 24 | — | 40.5% | ||
| Q3 24 | 10.8% | 39.4% | ||
| Q2 24 | -20.7% | 37.1% | ||
| Q1 24 | 17.8% | 37.5% |
| Q4 25 | $0.58 | $1.52 | ||
| Q3 25 | $0.57 | $1.41 | ||
| Q2 25 | $0.41 | $1.61 | ||
| Q1 25 | $0.44 | $1.13 | ||
| Q4 24 | $0.29 | $1.13 | ||
| Q3 24 | $0.18 | $1.07 | ||
| Q2 24 | $-0.33 | $0.92 | ||
| Q1 24 | $0.31 | $0.94 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $119.0M | — |
| Total DebtLower is stronger | $69.5M | — |
| Stockholders' EquityBook value | $409.6M | $345.6M |
| Total Assets | $3.7B | $3.0B |
| Debt / EquityLower = less leverage | 0.17× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $119.0M | — | ||
| Q3 25 | $121.6M | — | ||
| Q2 25 | $134.4M | — | ||
| Q1 25 | $148.4M | — | ||
| Q4 24 | $120.4M | — | ||
| Q3 24 | $149.0M | — | ||
| Q2 24 | $109.7M | — | ||
| Q1 24 | $61.0M | — |
| Q4 25 | $69.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $69.9M | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $409.6M | $345.6M | ||
| Q3 25 | $397.6M | $334.0M | ||
| Q2 25 | $380.0M | $319.8M | ||
| Q1 25 | $372.2M | $306.1M | ||
| Q4 24 | $362.7M | $295.6M | ||
| Q3 24 | $363.5M | $284.3M | ||
| Q2 24 | $350.2M | $273.4M | ||
| Q1 24 | $211.7M | $266.8M |
| Q4 25 | $3.7B | $3.0B | ||
| Q3 25 | $3.6B | $2.9B | ||
| Q2 25 | $3.6B | $2.9B | ||
| Q1 25 | $3.6B | $2.8B | ||
| Q4 24 | $3.5B | $2.7B | ||
| Q3 24 | $3.5B | $2.6B | ||
| Q2 24 | $3.5B | $2.6B | ||
| Q1 24 | $2.4B | $2.6B |
| Q4 25 | 0.17× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.19× | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $46.1M | $44.9M |
| Free Cash FlowOCF − Capex | $43.6M | $44.3M |
| FCF MarginFCF / Revenue | 113.9% | 125.7% |
| Capex IntensityCapex / Revenue | 6.6% | 1.6% |
| Cash ConversionOCF / Net Profit | — | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | $77.7M | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $46.1M | $44.9M | ||
| Q3 25 | $13.2M | $45.5M | ||
| Q2 25 | $11.5M | $-25.3M | ||
| Q1 25 | $11.1M | $17.9M | ||
| Q4 24 | $22.2M | $48.0M | ||
| Q3 24 | $7.8M | $17.7M | ||
| Q2 24 | $5.2M | $-8.4M | ||
| Q1 24 | $4.0M | $15.8M |
| Q4 25 | $43.6M | $44.3M | ||
| Q3 25 | $12.8M | $45.3M | ||
| Q2 25 | $10.6M | $-25.5M | ||
| Q1 25 | $10.8M | $17.6M | ||
| Q4 24 | $17.2M | $47.3M | ||
| Q3 24 | $5.2M | $17.5M | ||
| Q2 24 | $4.8M | $-8.6M | ||
| Q1 24 | $3.6M | $15.7M |
| Q4 25 | 113.9% | 125.7% | ||
| Q3 25 | 33.7% | 138.1% | ||
| Q2 25 | 29.6% | -74.2% | ||
| Q1 25 | 30.9% | 59.9% | ||
| Q4 24 | 50.0% | 166.5% | ||
| Q3 24 | 16.7% | 63.3% | ||
| Q2 24 | 15.7% | -33.7% | ||
| Q1 24 | 17.3% | 61.4% |
| Q4 25 | 6.6% | 1.6% | ||
| Q3 25 | 1.1% | 0.7% | ||
| Q2 25 | 2.7% | 0.5% | ||
| Q1 25 | 0.9% | 1.0% | ||
| Q4 24 | 14.7% | 2.4% | ||
| Q3 24 | 8.1% | 0.5% | ||
| Q2 24 | 1.4% | 0.5% | ||
| Q1 24 | 2.1% | 0.3% |
| Q4 25 | — | 2.90× | ||
| Q3 25 | 1.21× | 3.16× | ||
| Q2 25 | 1.47× | -1.54× | ||
| Q1 25 | 1.33× | 1.54× | ||
| Q4 24 | — | 4.17× | ||
| Q3 24 | 2.29× | 1.62× | ||
| Q2 24 | — | -0.89× | ||
| Q1 24 | 1.09× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
