CVCY Fundamental Analysis - CENTRAL VALLEY COMM BANCORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CVCY. CVCY was compared to 393 industry peers in the Banks industry. While CVCY is still in line with the averages on profitability rating, there are concerns on its financial health. CVCY is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

CVCY had positive earnings in the past year.

In the past year CVCY had a positive cash flow from operations.

In the past 5 years CVCY has always been profitable.

CVCY had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

CVCY's Return On Assets of 1.05% is fine compared to the rest of the industry. CVCY outperforms 64.82% of its industry peers.

The Return On Equity of CVCY (12.33%) is better than 79.04% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.05%
ROE	12.33%
ROIC	N/A

ROA(3y)1.1%

ROA(5y)1.13%

ROE(3y)13.02%

ROE(5y)11.35%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of CVCY (28.54%) is better than 71.33% of its industry peers.

CVCY's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for CVCY so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.54%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.14%

PM growth 5Y-0.42%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CVCY does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CVCY has more shares outstanding

The number of shares outstanding for CVCY has been reduced compared to 5 years ago.

The debt/assets ratio for CVCY has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of CVCY is 3.86, which is a good value as it means it would take CVCY, 3.86 years of fcf income to pay off all of its debts.

CVCY's Debt to FCF ratio of 3.86 is on the low side compared to the rest of the industry. CVCY is outperformed by 60.24% of its industry peers.

A Debt/Equity ratio of 0.34 indicates that CVCY is not too dependend on debt financing.

CVCY has a worse Debt to Equity ratio (0.34) than 62.65% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.86
Altman-Z	N/A

ROIC/WACCN/A

WACC10.82%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CVCY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.41%.

Measured over the past 5 years, CVCY shows a small growth in Earnings Per Share. The EPS has been growing by 7.52% on average per year.

The Revenue has been growing slightly by 5.71% in the past year.

Measured over the past years, CVCY shows a small growth in Revenue. The Revenue has been growing by 4.14% on average per year.

EPS 1Y (TTM)-4.41%

EPS 3Y10.23%

EPS 5Y7.52%

EPS Q2Q%-23.08%

Revenue 1Y (TTM)5.71%

Revenue growth 3Y4.57%

Revenue growth 5Y4.14%

Sales Q2Q%-2.55%

3.2 Future

CVCY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.50% yearly.

The Revenue is expected to grow by 29.17% on average over the next years. This is a very strong growth

EPS Next Y10.21%

EPS Next 2Y12.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year47.29%

Revenue Next 2Y29.17%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.17, the valuation of CVCY can be described as reasonable.

CVCY's Price/Earnings ratio is in line with the industry average.

When comparing the Price/Earnings ratio of CVCY to the average of the S&P500 Index (26.85), we can say CVCY is valued rather cheaply.

The Price/Forward Earnings ratio is 8.32, which indicates a very decent valuation of CVCY.

CVCY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CVCY is cheaper than 78.80% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 34.98, CVCY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.17
Fwd PE	8.32

4.2 Price Multiples

CVCY's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CVCY is more expensive than 68.43% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	13.04
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CVCY's earnings are expected to grow with 12.50% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.9

PEG (5Y)1.22

EPS Next 2Y12.5%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CVCY has a Yearly Dividend Yield of 2.41%.

Compared to an average industry Dividend Yield of 3.41, CVCY is paying slightly less dividend.

CVCY's Dividend Yield is comparable with the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	2.41%

5.2 History

The dividend of CVCY is nicely growing with an annual growth rate of 9.15%!

CVCY has been paying a dividend for at least 10 years, so it has a reliable track record.

CVCY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)9.15%

Div Incr Years0

Div Non Decr Years8

5.3 Sustainability

22.15% of the earnings are spent on dividend by CVCY. This is a low number and sustainable payout ratio.

CVCY's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP22.15%

EPS Next 2Y12.5%

EPS Next 3YN/A

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CENTRAL VALLEY COMM BANCORP

NASDAQ:CVCY (3/28/2024, 8:04:04 PM)

After market: 19.89 0 (0%)

19.89

+0.44 (+2.26%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-18 2024-01-18/amc

Earnings (Next)04-17 2024-04-17/amc

Inst Owners4.92%

Inst Owner Change0%

Ins Owners4.34%

Ins Owner Change0%

Market Cap235.30M

Analysts80

Price Target24.23 (21.82%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.41%

Yearly Dividend0.48

Dividend Growth(5Y)9.15%

DP22.15%

Div Incr Years0

Div Non Decr Years8

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.07%

Min EPS beat(2)-4.02%

Max EPS beat(2)-0.11%

EPS beat(4)0

Avg EPS beat(4)-6.9%

Min EPS beat(4)-12.36%

Max EPS beat(4)-0.11%

EPS beat(8)3

Avg EPS beat(8)-1.98%

EPS beat(12)6

Avg EPS beat(12)3.55%

EPS beat(16)9

Avg EPS beat(16)7.02%

Revenue beat(2)2

Avg Revenue beat(2)4.41%

Min Revenue beat(2)2.14%

Max Revenue beat(2)6.68%

Revenue beat(4)3

Avg Revenue beat(4)2.64%

Min Revenue beat(4)-1.51%

Max Revenue beat(4)6.68%

Revenue beat(8)7

Avg Revenue beat(8)4.33%

Revenue beat(12)11

Avg Revenue beat(12)6.18%

Revenue beat(16)15

Avg Revenue beat(16)9.32%

PT rev (1m)0%

PT rev (3m)11.76%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-8.14%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.8%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.79%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.58%

Valuation

		Industry Rank	Sector Rank
PE	9.17
Fwd PE	8.32
P/S	2.63
P/FCF	13.04
P/OCF	8.45
P/B	1.14
P/tB	1.54
EV/EBITDA	N/A

EPS(TTM)2.17

EY10.91%

EPS(NY)2.39

Fwd EY12.02%

FCF(TTM)1.53

FCFY7.67%

OCF(TTM)2.35

OCFY11.84%

SpS7.56

BVpS17.5

TBVpS12.96

PEG (NY)0.9

PEG (5Y)1.22

Profitability

		Industry Rank	Sector Rank
ROA	1.05%
ROE	12.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.54%
GM	N/A
FCFM	20.17%

ROA(3y)1.1%

ROA(5y)1.13%

ROE(3y)13.02%

ROE(5y)11.35%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.14%

PM growth 5Y-0.42%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.86
Debt/EBITDA	N/A
Cap/Depr	99.09%
Cap/Sales	10.96%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	70.67%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC10.82%

ROIC/WACCN/A

Cap/Depr(3y)38.07%

Cap/Depr(5y)31.05%

Cap/Sales(3y)4.23%

Cap/Sales(5y)3.14%

Profit Quality(3y)102.44%

Profit Quality(5y)96.13%

High Growth Momentum

Growth

EPS 1Y (TTM)-4.41%

EPS 3Y10.23%

EPS 5Y7.52%

EPS Q2Q%-23.08%

EPS Next Y10.21%

EPS Next 2Y12.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.71%

Revenue growth 3Y4.57%

Revenue growth 5Y4.14%

Sales Q2Q%-2.55%

Revenue Next Year47.29%

Revenue Next 2Y29.17%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-24.27%

FCF growth 3Y5.2%

FCF growth 5Y-9.13%

OCF growth 1Y15.14%

OCF growth 3Y17.91%

OCF growth 5Y-1.42%

CENTRAL VALLEY COMM BANCORP (CVCY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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