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CENTRAL VALLEY COMM BANCORP (CVCY) Stock Fundamental Analysis

NASDAQ:CVCY - Nasdaq - US1556851004 - Common Stock - Currency: USD

19.89  +0.44 (+2.26%)

After market: 19.89 0 (0%)

Fundamental Rating

4

Overall CVCY gets a fundamental rating of 4 out of 10. We evaluated CVCY against 405 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 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CVCY was profitable.
CVCY had a positive operating cash flow in the past year.
CVCY had positive earnings in each of the past 5 years.
CVCY had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

CVCY has a Profit Margin of 28.54%. This is in the better half of the industry: CVCY outperforms 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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2

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.
CVCY has less shares outstanding than it did 5 years ago.
CVCY has a better debt/assets ratio than last year.
CVCY Yearly Shares OutstandingCVCY Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
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.
CVCY has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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6

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.
CVCY shows a small growth in Revenue. In the last year, the Revenue has grown by 5.71%.
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.
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

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 2014 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 2014 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. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.17, which indicates a very decent valuation of CVCY.
CVCY's Price/Earnings is on the same level as the industry average.
CVCY is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.32, the valuation of CVCY can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CVCY is valued a bit cheaper than 78.80% of the companies in the same industry.
CVCY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
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 the industry average as 68.43% of the companies are valued more cheaply.
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

CVCY's 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

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.41%, CVCY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.19, CVCY is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.27, CVCY has a dividend comparable with the average S&P500 company.
Industry RankSector 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

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
CVCY Yearly Income VS Free CF VS DividendCVCY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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

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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 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
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
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 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%