CENTRAL VALLEY COMM BANCORP (CVCY)
US1556851004 - Common Stock
We assign a fundamental rating of 4 out of 10 to CVCY. CVCY was compared to 411 industry peers in the Banks industry. CVCY has a medium profitability rating, but doesn't score so well on its financial health evaluation. CVCY has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CVCY had positive earnings in the past year.
CVCY had a positive operating cash flow in the past year.
Each year in the past 5 years CVCY has been profitable.
In the past 5 years CVCY always reported a positive cash flow from operatings.
1.2 Ratios
CVCY has a better Return On Assets (1.05%) than 64.82% of its industry peers.
CVCY has a Return On Equity of 12.33%. This is in the better half 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
Looking at the Profit Margin, with a value of 28.54%, CVCY is in the better half of 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.
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
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.
CVCY has a better debt/assets ratio than last year.
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.
The Revenue has been growing slightly by 5.71% in the past 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 growth Q2Q-23.08%
Revenue 1Y (TTM)5.71%
Revenue growth 3Y4.57%
Revenue growth 5Y4.14%
Revenue growth 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.
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
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.
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.
The rest of the industry has a similar Price/Earnings ratio as CVCY.
Compared to an average S&P500 Price/Earnings ratio of 25.20, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.63, CVCY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.17 | ||
| Fwd PE | 8.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CVCY is valued a bit more expensive than the industry average as 68.43% of the companies are valued more cheaply.
| 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.
A more expensive valuation may be justified as CVCY's earnings are expected to grow with 12.50% in the coming years.
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.
CVCY's Dividend Yield is slightly below the industry average, which is at 3.86.
Compared to an average S&P500 Dividend Yield of 2.44, CVCY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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.
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.
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
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)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap235.30M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.17 | ||
| Fwd PE | 8.32 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.9
PEG (5Y)1.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 12.33% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 28.54% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-4.41%
EPS 3Y10.23%
EPS 5Y
EPS growth Q2Q
EPS Next Y10.21%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.71%
Revenue growth 3Y4.57%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y