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Side-by-side financial comparison of Community West Bancshares (CWBC) and YORK WATER CO (YORW). Click either name above to swap in a different company.
Community West Bancshares is the larger business by last-quarter revenue ($38.3M vs $19.4M, roughly 2.0× YORK WATER CO). On growth, Community West Bancshares posted the faster year-over-year revenue change (11.6% vs 3.2%). Over the past eight quarters, Community West Bancshares's revenue compounded faster (36.0% CAGR vs 5.1%).
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
CWBC vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $38.3M | $19.4M |
| Net Profit | — | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 40.0% | 33.2% |
| Net Margin | — | 26.7% |
| Revenue YoY | 11.6% | 3.2% |
| Net Profit YoY | — | 0.5% |
| EPS (diluted) | $0.58 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $37.9M | $20.2M | ||
| Q2 25 | $35.7M | $19.1M | ||
| Q1 25 | $34.8M | $18.3M | ||
| Q4 24 | $34.3M | $18.8M | ||
| Q3 24 | $31.3M | $19.6M | ||
| Q2 24 | $30.5M | $18.6M | ||
| Q1 24 | $20.7M | $17.5M |
| Q4 25 | — | $5.2M | ||
| Q3 25 | $10.9M | $6.2M | ||
| Q2 25 | $7.8M | $5.1M | ||
| Q1 25 | $8.3M | $3.6M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | $3.4M | $5.9M | ||
| Q2 24 | $-6.3M | $5.0M | ||
| Q1 24 | $3.7M | $4.3M |
| Q4 25 | 40.0% | 33.2% | ||
| Q3 25 | 39.8% | 39.1% | ||
| Q2 25 | 30.2% | 37.1% | ||
| Q1 25 | 32.7% | 34.3% | ||
| Q4 24 | 31.0% | 35.8% | ||
| Q3 24 | 13.3% | 41.1% | ||
| Q2 24 | -25.9% | 37.9% | ||
| Q1 24 | 23.2% | 35.5% |
| Q4 25 | — | 26.7% | ||
| Q3 25 | 28.7% | 30.6% | ||
| Q2 25 | 22.0% | 26.5% | ||
| Q1 25 | 23.8% | 19.8% | ||
| Q4 24 | — | 27.4% | ||
| Q3 24 | 10.8% | 29.9% | ||
| Q2 24 | -20.7% | 26.8% | ||
| Q1 24 | 17.8% | 24.7% |
| Q4 25 | $0.58 | $0.36 | ||
| Q3 25 | $0.57 | $0.43 | ||
| Q2 25 | $0.41 | $0.35 | ||
| Q1 25 | $0.44 | $0.25 | ||
| Q4 24 | $0.29 | $0.36 | ||
| Q3 24 | $0.18 | $0.41 | ||
| Q2 24 | $-0.33 | $0.35 | ||
| Q1 24 | $0.31 | $0.30 |
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 | $1.0K |
| Total DebtLower is stronger | $69.5M | — |
| Stockholders' EquityBook value | $409.6M | $240.3M |
| Total Assets | $3.7B | $680.9M |
| Debt / EquityLower = less leverage | 0.17× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $119.0M | $1.0K | ||
| Q3 25 | $121.6M | $1.0K | ||
| Q2 25 | $134.4M | $1.0K | ||
| Q1 25 | $148.4M | $1.0K | ||
| Q4 24 | $120.4M | $1.0K | ||
| Q3 24 | $149.0M | $1.0K | ||
| Q2 24 | $109.7M | $1.0K | ||
| Q1 24 | $61.0M | $3.3M |
| Q4 25 | $69.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $69.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $409.6M | $240.3M | ||
| Q3 25 | $397.6M | $238.0M | ||
| Q2 25 | $380.0M | $234.6M | ||
| Q1 25 | $372.2M | $232.1M | ||
| Q4 24 | $362.7M | $231.2M | ||
| Q3 24 | $363.5M | $228.7M | ||
| Q2 24 | $350.2M | $225.4M | ||
| Q1 24 | $211.7M | $222.9M |
| Q4 25 | $3.7B | $680.9M | ||
| Q3 25 | $3.6B | $667.1M | ||
| Q2 25 | $3.6B | $653.7M | ||
| Q1 25 | $3.6B | $641.8M | ||
| Q4 24 | $3.5B | $633.5M | ||
| Q3 24 | $3.5B | $621.4M | ||
| Q2 24 | $3.5B | $610.4M | ||
| Q1 24 | $2.4B | $602.3M |
| Q4 25 | 0.17× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.19× | — | ||
| 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 | $8.4M |
| Free Cash FlowOCF − Capex | $43.6M | — |
| FCF MarginFCF / Revenue | 113.9% | — |
| Capex IntensityCapex / Revenue | 6.6% | — |
| Cash ConversionOCF / Net Profit | — | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $77.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $46.1M | $8.4M | ||
| Q3 25 | $13.2M | $7.8M | ||
| Q2 25 | $11.5M | $7.6M | ||
| Q1 25 | $11.1M | $6.0M | ||
| Q4 24 | $22.2M | $10.2M | ||
| Q3 24 | $7.8M | $7.5M | ||
| Q2 24 | $5.2M | $6.7M | ||
| Q1 24 | $4.0M | $6.1M |
| Q4 25 | $43.6M | — | ||
| Q3 25 | $12.8M | — | ||
| Q2 25 | $10.6M | — | ||
| Q1 25 | $10.8M | — | ||
| Q4 24 | $17.2M | — | ||
| Q3 24 | $5.2M | — | ||
| Q2 24 | $4.8M | — | ||
| Q1 24 | $3.6M | — |
| Q4 25 | 113.9% | — | ||
| Q3 25 | 33.7% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 30.9% | — | ||
| Q4 24 | 50.0% | — | ||
| Q3 24 | 16.7% | — | ||
| Q2 24 | 15.7% | — | ||
| Q1 24 | 17.3% | — |
| Q4 25 | 6.6% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 2.7% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 14.7% | — | ||
| Q3 24 | 8.1% | — | ||
| Q2 24 | 1.4% | — | ||
| Q1 24 | 2.1% | — |
| Q4 25 | — | 1.63× | ||
| Q3 25 | 1.21× | 1.26× | ||
| Q2 25 | 1.47× | 1.50× | ||
| Q1 25 | 1.33× | 1.65× | ||
| Q4 24 | — | 1.98× | ||
| Q3 24 | 2.29× | 1.29× | ||
| Q2 24 | — | 1.34× | ||
| Q1 24 | 1.09× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
