CENTRAL VALLEY COMM BANCORP (CVCY) Fundamental Analysis & Valuation

NASDAQ:CVCY • US1556851004

Current stock price

19.89 USD
+0.44 (+2.26%)
At close:
19.89 USD
0 (0%)
After Hours:

This CVCY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CVCY Profitability Analysis

1.1 Basic Checks

  • CVCY had positive earnings in the past year.
  • CVCY had a positive operating cash flow in the past year.
  • CVCY had positive earnings in each of the past 5 years.
  • Each year in the past 5 years CVCY had a positive operating cash flow.
CVCY Yearly Net Income VS EBIT VS OCF VS FCFCVCY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

1.2 Ratios

  • CVCY has a Return On Assets of 1.05%. This is in the better half of the industry: CVCY outperforms 64.82% of its industry peers.
  • With a decent Return On Equity value of 12.33%, CVCY is doing good in the industry, outperforming 79.04% of the companies in the same industry.
Industry RankSector 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
CVCY Yearly ROA, ROE, ROICCVCY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

  • CVCY's Profit Margin of 28.54% is fine compared to the rest of the industry. CVCY outperforms 71.33% of its industry peers.
  • CVCY's Profit Margin has been stable in the last couple of years.
  • CVCY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
CVCY Yearly Profit, Operating, Gross MarginsCVCY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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1

2. CVCY Health Analysis

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
  • Compared to 1 year ago, CVCY has an improved debt to assets ratio.
CVCY Yearly Shares OutstandingCVCY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
CVCY Yearly Total Debt VS Total AssetsCVCY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

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.
  • The Debt to FCF ratio of CVCY (3.86) is worse than 60.24% of its industry peers.
  • CVCY has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
  • CVCY has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: CVCY underperforms 62.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 3.86
Altman-Z N/A
ROIC/WACCN/A
WACC10.82%
CVCY Yearly LT Debt VS Equity VS FCFCVCY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CVCY Yearly Current Assets VS Current LiabilitesCVCY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CVCY Growth Analysis

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.
  • Looking at the last year, CVCY shows a small growth in Revenue. The Revenue has grown by 5.71% in the last year.
  • The Revenue has been growing slightly by 4.14% on average over the past years.
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

  • Based on estimates for the next years, CVCY will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.50% on average per year.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CVCY Yearly Revenue VS EstimatesCVCY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
CVCY Yearly EPS VS EstimatesCVCY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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5

4. CVCY Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.17, which indicates a very decent valuation of CVCY.
  • 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 (27.35), we can say CVCY is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.32 indicates a reasonable valuation of CVCY.
  • 78.80% of the companies in the same industry are more expensive than CVCY, based on the Price/Forward Earnings ratio.
  • CVCY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.23, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.17
Fwd PE 8.32
CVCY Price Earnings VS Forward Price EarningsCVCY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CVCY is valued a bit more expensive than 68.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.04
EV/EBITDA N/A
CVCY Per share dataCVCY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CVCY Dividend Analysis

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 2.55, CVCY is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, CVCY pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

  • On average, the dividend of CVCY grows each year by 9.15%, which is quite nice.
  • CVCY has paid a dividend for at least 10 years, which is 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
CVCY Yearly Dividends per shareCVCY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

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
CVCY Yearly Income VS Free CF VS DividendCVCY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
CVCY Dividend Payout.CVCY Dividend Payout, showing the Payout Ratio.CVCY Dividend Payout.PayoutRetained Earnings

More info and screens

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CVCY Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)04-17
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 RankSector 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 RankSector 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 Number0 (-100%)
Profitability
Industry RankSector 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 RankSector 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 Fundamental Analysis FAQ

What is the fundamental rating for CVCY stock?

ChartMill assigns a fundamental rating of 4 / 10 to CVCY.


Can you provide the valuation status for CENTRAL VALLEY COMM BANCORP?

ChartMill assigns a valuation rating of 5 / 10 to CENTRAL VALLEY COMM BANCORP (CVCY). This can be considered as Fairly Valued.


Can you provide the profitability details for CENTRAL VALLEY COMM BANCORP?

CENTRAL VALLEY COMM BANCORP (CVCY) has a profitability rating of 4 / 10.


What is the valuation of CENTRAL VALLEY COMM BANCORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CENTRAL VALLEY COMM BANCORP (CVCY) is 9.17 and the Price/Book (PB) ratio is 1.14.


How financially healthy is CENTRAL VALLEY COMM BANCORP?

The financial health rating of CENTRAL VALLEY COMM BANCORP (CVCY) is 2 / 10.