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.
  • In the past 5 years CVCY has always been profitable.
  • 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

  • The Return On Assets of CVCY (1.05%) is better than 64.82% of its industry peers.
  • 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 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

  • The Profit Margin of CVCY (28.54%) is better than 71.33% of its industry peers.
  • In the last couple of years the Profit Margin of CVCY has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for CVCY so they could not be analyzed.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • CVCY has more shares outstanding than it did 1 year ago.
  • CVCY has a better debt/assets ratio than last year.
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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 3.86, CVCY is doing worse than 60.24% of the companies in the same industry.
  • A Debt/Equity ratio of 0.34 indicates that CVCY is not too dependend on debt financing.
  • CVCY's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. CVCY is outperformed by 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

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

6

3. CVCY Growth Analysis

3.1 Past

  • The earnings per share for CVCY have decreased by -4.41% in the last year.
  • 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.
  • CVCY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.14% yearly.
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.
  • CVCY is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.17% yearly.
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

  • Based on the Price/Earnings ratio of 9.17, the valuation of CVCY can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of CVCY is on the same level as its industry peers.
  • CVCY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.79.
  • A Price/Forward Earnings ratio of 8.32 indicates a reasonable valuation of CVCY.
  • Based on the Price/Forward Earnings ratio, CVCY is valued a bit cheaper than the industry average as 78.80% of the companies are valued more expensively.
  • CVCY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
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%.
  • Compared to an average industry Dividend Yield of 2.90, CVCY is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.91, 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.
  • The dividend of CVCY is growing, but earnings are growing more, so the dividend growth is 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 NumberN/A
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.


How profitable is CENTRAL VALLEY COMM BANCORP (CVCY) stock?

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


Is the dividend of CENTRAL VALLEY COMM BANCORP sustainable?

The dividend rating of CENTRAL VALLEY COMM BANCORP (CVCY) is 6 / 10 and the dividend payout ratio is 22.15%.