CVCY Central Valley Community Bancorp

Price (delayed)

$19.58

Market cap

$245.33M

P/E Ratio

11.59

Dividend/share

$0.45

EPS

$1.69

Enterprise value

$35.64M

Sector: Financial Services
Industry: Banks - Regional

Highlights

CVCY's equity is up by 11% YoY
The stock's price to earnings (P/E) is 16% more than its last 4 quarters average of 9.9 but 15% less than its 5-year quarterly average of 13.5
The net income has declined by 7% year-on-year but it has increased by 4.2% since the previous quarter
Central Valley Community Bancorp's gross profit has decreased by 4.2% YoY
CVCY's revenue is down by 4.2% year-on-year

Key stats

What are the main financial stats of CVCY
Market
Shares outstanding
12.53M
Market cap
$245.33M
Enterprise value
$35.64M
Valuations
Price to earnings (P/E)
11.59
Price to book (P/B)
1.01
Price to sales (P/S)
3.26
EV/EBIT
1.27
EV/EBITDA
1.08
EV/Sales
0.47
Earnings
Revenue
$75.1M
EBIT
$28.11M
EBITDA
$32.97M
Free cash flow
$15.64M
Per share
EPS
$1.69
Free cash flow per share
$1.25
Book value per share
$19.31
Revenue per share
$6.01
TBVPS
$171.72
Balance sheet
Total assets
$2.2B
Total liabilities
$1.96B
Debt
$5.16M
Equity
$241.85M
Working capital
N/A
Liquidity
Debt to equity
0.02
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.36
Margins
EBITDA margin
43.9%
Gross margin
100%
Net margin
28.2%
Operating margin
37.4%
Efficiency
Return on assets
1.1%
Return on equity
8.9%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
37.4%
Dividend
Dividend yield
2.3%
DPS
$0.45
Payout ratio
26.6%

CVCY stock price

How has the Central Valley Community Bancorp stock price performed over time
Intraday
1.03%
1 week
0.93%
1 month
2.67%
1 year
58.03%
YTD
31.5%
QTD
6.36%

Financial performance

How have Central Valley Community Bancorp's revenue and profit performed over time
Revenue
$75.1M
Gross profit
$75.1M
Operating income
$28.11M
Net income
$21.2M
Gross margin
100%
Net margin
28.2%
Central Valley Community Bancorp's operating income has decreased by 12% YoY but it has increased by 3.1% QoQ
Central Valley Community Bancorp's operating margin has decreased by 8% YoY but it has increased by 2.7% from the previous quarter
The net income has declined by 7% year-on-year but it has increased by 4.2% since the previous quarter
Central Valley Community Bancorp's gross profit has decreased by 4.2% YoY

Growth

What is Central Valley Community Bancorp's growth rate over time

Valuation

What is Central Valley Community Bancorp stock price valuation
P/E
11.59
P/B
1.01
P/S
3.26
EV/EBIT
1.27
EV/EBITDA
1.08
EV/Sales
0.47
The stock's price to earnings (P/E) is 16% more than its last 4 quarters average of 9.9 but 15% less than its 5-year quarterly average of 13.5
The EPS is up by 4.3% since the previous quarter but it has declined by 2.9% year-on-year
CVCY's price to book (P/B) is 25% higher than its last 4 quarters average of 0.8 but 17% lower than its 5-year quarterly average of 1.2
CVCY's equity is up by 11% YoY
CVCY's price to sales (P/S) is 24% higher than its last 4 quarters average of 2.6 but 5% lower than its 5-year quarterly average of 3.4
CVCY's revenue is down by 4.2% year-on-year

Efficiency

How efficient is Central Valley Community Bancorp business performance
CVCY's return on invested capital is down by 29% year-on-year and by 6% since the previous quarter
Central Valley Community Bancorp's return on assets has decreased by 21% YoY
The return on equity has declined by 11% year-on-year
The return on sales has declined by 8% year-on-year but it is up by 2.7% since the previous quarter

Dividends

What is CVCY's dividend history
DPS
$0.45
Dividend yield
2.3%
Payout ratio
26.6%
Recent dividends

Financial health

How did Central Valley Community Bancorp financials performed over time
Central Valley Community Bancorp's total assets is 12% more than its total liabilities
Central Valley Community Bancorp's total liabilities has increased by 40% YoY and by 11% from the previous quarter
Central Valley Community Bancorp's total assets has increased by 36% YoY and by 10% from the previous quarter
The debt is 98% smaller than the equity
CVCY's equity is up by 11% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.