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NASDAQ: CVCY
Central Valley Community Bancorp Stock

$19.89+0.44 (+2.26%)
Updated Mar 28, 2024
CVCY Price
$19.89
Fair Value Price
$22.30
Market Cap
$235.33M
52 Week Low
$12.59
52 Week High
$22.89
P/E
9.17x
P/B
1.14x
P/S
2.96x
PEG
1.81x
Dividend Yield
2.41%
Revenue
$89.14M
Earnings
$25.54M
Gross Margin
100%
Operating Margin
37.96%
Profit Margin
28.6%
Debt to Equity
10.75
Operating Cash Flow
$28M
Beta
1.07
Next Earnings
Apr 18, 2024
Ex-Dividend
N/A
Next Dividend
N/A

CVCY Overview

Central Valley Community Bancorp operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in the central valley area of California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. Its loan products include commercial and industrial loans, as well as loans secured by crop production and livestock; owner occupied and investor commercial real estate, real estate construction and other land, agricultural real estate, and other real estate loans; and equity loans and lines of credit, and installment and other consumer loans. The company also offers domestic and international wire transfer, safe deposit box, Internet banking, and other customary banking services. As of December 31, 2021, the company operated through a network of 20 full-service banking offices in Cameron Park, Clovis, Exeter, Folsom, Fresno, Gold River, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Roseville, Sacramento, Stockton, and Visalia. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.

Zen Score

Industry Average (34)
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Due Diligence Checks

CVCY ($19.89) is undervalued by 10.82% relative to our estimate of its Fair Value price of $22.30 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CVCY ($19.89) is not significantly undervalued (10.82%) relative to our estimate of its Fair Value price of $22.30 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CVCY ($19.89) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CVCY due diligence checks available for Premium users.

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CVCY News

Valuation

CVCY fair value

Fair Value of CVCY stock based on Discounted Cash Flow (DCF)
Price
$19.89
Fair Value
$22.30
Undervalued by
10.82%
CVCY ($19.89) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CVCY ($19.89) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CVCY ($19.89) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

CVCY price to earnings (PE)

For valuing profitable companies with steady earnings
Company
9.17x
Industry
-10.33x
Market
44.51x
CVCY is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CVCY is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CVCY price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.14x
Industry
1.02x
CVCY is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CVCY price to earnings growth (PEG)

For valuing profitable companies with growth potential
CVCY is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

CVCY's financial health

Profit margin

Revenue
$22.6M
Net Income
$5.9M
Profit Margin
26.1%
CVCY's Earnings (EBIT) of $33.84M... subscribe to Premium to read more.
Interest Coverage Financials
CVCY's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.4B
Liabilities
$2.2B
Debt to equity
10.75
CVCY's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CVCY's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$4.4M
Investing
$3.3M
Financing
-$28.6M
CVCY's operating cash flow ($27.85M)... subscribe to Premium to read more.
Debt Coverage Financials

CVCY vs Bank Stocks

TickerMarket Cap1d %P/EP/B
CVCY$235.33M+2.26%9.17x1.14x
BCML$236.38M+0.63%9.08x0.76x
PCB$232.92M+0.25%7.63x0.67x
CZFS$231.58M+7.19%12.12x0.83x
SSBK$229.95M+0.19%7.14x1.07x

Central Valley Community Bancorp Stock FAQ

What is Central Valley Community Bancorp's quote symbol?

(NASDAQ: CVCY) Central Valley Community Bancorp trades on the NASDAQ under the ticker symbol CVCY. Central Valley Community Bancorp stock quotes can also be displayed as NASDAQ: CVCY.

If you're new to stock investing, here's how to buy Central Valley Community Bancorp stock.

What is the 52 week high and low for Central Valley Community Bancorp (NASDAQ: CVCY)?

(NASDAQ: CVCY) Central Valley Community Bancorp's 52-week high was $22.89, and its 52-week low was $12.59. It is currently -13.11% from its 52-week high and 57.98% from its 52-week low.

How much is Central Valley Community Bancorp stock worth today?

(NASDAQ: CVCY) Central Valley Community Bancorp currently has 11,831,694 outstanding shares. With Central Valley Community Bancorp stock trading at $19.89 per share, the total value of Central Valley Community Bancorp stock (market capitalization) is $235.33M.

Central Valley Community Bancorp stock was originally listed at a price of $5.81 in Mar 8, 1999. If you had invested in Central Valley Community Bancorp stock at $5.81, your return over the last 25 years would have been 242.22%, for an annualized return of 5.04% (not including any dividends or dividend reinvestments).

How much is Central Valley Community Bancorp's stock price per share?

(NASDAQ: CVCY) Central Valley Community Bancorp stock price per share is $19.89 today (as of Mar 28, 2024).

What is Central Valley Community Bancorp's Market Cap?

(NASDAQ: CVCY) Central Valley Community Bancorp's market cap is $235.33M, as of Mar 29, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Central Valley Community Bancorp's market cap is calculated by multiplying CVCY's current stock price of $19.89 by CVCY's total outstanding shares of 11,831,694.
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