19.89 USD
+0.44 (+2.26%)
19.89 USD
0 (0%)
CVCY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. There are concerns on the financial health of CVCY while its profitability can be described as average. CVCY is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years CVCY had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.05%, CVCY is doing good in the industry, outperforming 64.82% of the companies in the same industry.
CVCY's Return On Equity of 12.33% is fine compared to the rest of the industry. CVCY outperforms 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
With a decent Profit Margin value of 28.54%, CVCY is doing good in the industry, outperforming 71.33% of the companies in the same industry.
In the last couple of years the Profit Margin of CVCY has remained more or less at the same level.
CVCY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
2. Health
2.1 Basic Checks
CVCY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CVCY has been increased compared to 1 year ago.
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
CVCY has a debt to FCF ratio of 3.86. This is a good value and a sign of high solvency as CVCY would need 3.86 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.86, CVCY is not doing good in the industry: 60.24% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.34 indicates that CVCY is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.34, CVCY is not doing good in the industry: 62.65% of the companies in the same industry are doing better.
| 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 |
3. Growth
3.1 Past
The earnings per share for CVCY have decreased by -4.41% in the last year.
CVCY shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.52% yearly.
Looking at the last year, CVCY shows a small growth in Revenue. The Revenue has grown by 5.71% in the last 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
The Earnings Per Share is expected to grow by 12.50% on average over the next years. This is quite good.
Based on estimates for the next years, CVCY will show a very strong growth in Revenue. The Revenue will grow by 29.17% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.17, the valuation of CVCY can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as CVCY.
When comparing the Price/Earnings ratio of CVCY to the average of the S&P500 Index (26.15), we can say CVCY is valued rather cheaply.
A Price/Forward Earnings ratio of 8.32 indicates a reasonable 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.
CVCY is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.17 | ||
| Fwd PE | 8.32 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CVCY indicates a slightly more expensive valuation: CVCY is more expensive than 68.43% of the companies listed 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
5. Dividend
5.1 Amount
CVCY has a Yearly Dividend Yield of 2.41%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.33, CVCY is paying slightly less dividend.
CVCY's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| 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 paid a dividend for at least 10 years, which is a reliable track record.
As CVCY did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)9.15%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
CVCY pays out 22.15% of its income as dividend. This is a 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
19.89
+0.44 (+2.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners4.92%
Inst Owner Change0%
Ins Owners4.34%
Ins Owner Change0%
Market Cap235.30M
Revenue(TTM)89.45M
Net Income(TTM)25.53M
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
Graham NumberN/A
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
ROICexgc growth 3YN/A
ROICexgc 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 FAQ
What is the ChartMill fundamental rating of CENTRAL VALLEY COMM BANCORP (CVCY) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CVCY.
What is the valuation status of CENTRAL VALLEY COMM BANCORP (CVCY) stock?
ChartMill assigns a valuation rating of 5 / 10 to CENTRAL VALLEY COMM BANCORP (CVCY). This can be considered as Fairly Valued.
How profitable is CENTRAL VALLEY COMM BANCORP (CVCY) stock?
CENTRAL VALLEY COMM BANCORP (CVCY) has a profitability rating of 4 / 10.
How financially healthy is CENTRAL VALLEY COMM BANCORP?
The financial health rating of CENTRAL VALLEY COMM BANCORP (CVCY) is 2 / 10.
What is the expected EPS growth for CENTRAL VALLEY COMM BANCORP (CVCY) stock?
The Earnings per Share (EPS) of CENTRAL VALLEY COMM BANCORP (CVCY) is expected to grow by 10.21% in the next year.