CVCY Central Valley Community Bancorp

  1. Stocks
  2. Financial Services
  3. NASDAQ: CVCY

Price (delayed)

$20.77

Market cap

$244.15M

P/E Ratio

9.15

Dividend/share

$0.48

EPS

$2.27

Enterprise value

$328.58M

Central Valley Community Bancorp was established on November 15, 2000 as the holding company for Central Valley Community Bank and is registered as a bank holding company with the Board ...

Highlights
CVCY's equity is down by 30% YoY but it is up by 10% QoQ
The stock's price to earnings (P/E) is 18% less than its 5-year quarterly average of 11.4 but 9% more than its last 4 quarters average of 8.6
The debt has soared by 193% year-on-year and by 22% since the previous quarter
CVCY's revenue is down by 2.6% year-on-year
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.cvcb.com
Peers: CVBF TCBK PPBI BSRR

Key stats

What are the main financial stats of CVCY
Market
Shares outstanding
11.75M
Market cap
$244.15M
Enterprise value
$328.58M
Valuations
Price to earnings (P/E)
9.15
Price to book (P/B)
1.4
Price to sales (P/S)
2.91
EV/EBIT
9.35
EV/EBITDA
7.46
EV/Sales
3.93
Earnings
Revenue
$83.62M
EBIT
$35.14M
EBITDA
$44.04M
Free cash flow
$23.85M
Per share
EPS
$2.27
Free cash flow per share
$2.03
Book value per share
$14.89
Revenue per share
$7.13
TBVPS
$201.9
Balance sheet
Total assets
$2.42B
Total liabilities
$2.25B
Debt
$115.6M
Equity
$174.66M
Working capital
N/A
Liquidity
Debt to equity
0.66
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.92
Margins
EBITDA margin
52.7%
Gross margin
100%
Net margin
31.9%
Operating margin
42%
Efficiency
Return on assets
1.1%
Return on equity
15.3%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
42%
Dividend
Dividend yield
2.31%
DPS
$0.48
Payout ratio
21.1%

CVCY stock price

How has the Central Valley Community Bancorp stock price performed over time
Intraday
-2.49%
1 week
0.48%
1 month
-19.25%
1 year
-12.07%
YTD
-1.94%
QTD
-1.94%

Financial performance

How have Central Valley Community Bancorp's revenue and profit performed over time
Revenue
$83.62M
Gross profit
$83.62M
Operating income
$35.14M
Net income
$26.65M
Gross margin
100%
Net margin
31.9%
Central Valley Community Bancorp's operating income has decreased by 8% YoY but it has increased by 3.2% QoQ
The net income has declined by 6% year-on-year but it has increased by 3.1% since the previous quarter
Central Valley Community Bancorp's operating margin has decreased by 5% YoY but it has increased by 2.4% from the previous quarter
The net margin has declined by 3.6% year-on-year but it has increased by 2.6% since the previous quarter

Growth

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

Valuation

What is Central Valley Community Bancorp stock price valuation
P/E
9.15
P/B
1.4
P/S
2.91
EV/EBIT
9.35
EV/EBITDA
7.46
EV/Sales
3.93
The stock's price to earnings (P/E) is 18% less than its 5-year quarterly average of 11.4 but 9% more than its last 4 quarters average of 8.6
The EPS is up by 3.7% since the previous quarter but it has declined by 2.2% year-on-year
CVCY's equity is down by 30% YoY but it is up by 10% QoQ
CVCY's price to book (P/B) is 30% higher than its 5-year quarterly average of 1.1 and 10% higher than its last 4 quarters average of 1.3
CVCY's price to sales (P/S) is 11% higher than its last 4 quarters average of 2.7 but 3.5% lower than its 5-year quarterly average of 3.1
CVCY's revenue is down by 2.6% year-on-year

Efficiency

How efficient is Central Valley Community Bancorp business performance
The return on equity has grown by 33% year-on-year and by 13% since the previous quarter
CVCY's return on invested capital is down by 17% year-on-year
Central Valley Community Bancorp's return on assets has decreased by 8% YoY
The return on sales has declined by 5% year-on-year but it is up by 2.4% since the previous quarter

Dividends

What is CVCY's dividend history
Dividend details
DPS
$0.48
Dividend yield
2.31%
Payout ratio
21.1%
Recent dividends

Financial health

How did Central Valley Community Bancorp financials performed over time
Central Valley Community Bancorp's total assets is 8% more than its total liabilities
Central Valley Community Bancorp's total liabilities has increased by 2.1% YoY
The debt is 34% smaller than the equity
The debt has soared by 193% year-on-year and by 22% since the previous quarter
CVCY's equity is down by 30% YoY but it is up by 10% QoQ

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