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. More Details
Flawless balance sheet and undervalued.
Share Price & News
How has Central Valley Community Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CVCY is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: CVCY's weekly volatility (6%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CVCY underperformed the US Banks industry which returned 82.9% over the past year.
Return vs Market: CVCY underperformed the US Market which returned 51.8% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Central Valley Community Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall StThere's A Lot To Like About Central Valley Community Bancorp's (NASDAQ:CVCY) Upcoming US$0.12 Dividend
1 week ago | Simply Wall StCentral Valley Community Bancorp (NASDAQ:CVCY) Shareholders Booked A 50% Gain In The Last Five Years
1 month ago | Simply Wall StCentral Valley Community Bancorp (NASDAQ:CVCY) Is An Attractive Dividend Stock - Here's Why
Is Central Valley Community Bancorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CVCY ($19.4) is trading below our estimate of fair value ($38.11)
Significantly Below Fair Value: CVCY is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CVCY is good value based on its PE Ratio (11.4x) compared to the US Banks industry average (12.1x).
PE vs Market: CVCY is good value based on its PE Ratio (11.4x) compared to the US market (20.2x).
Price to Earnings Growth Ratio
PEG Ratio: CVCY's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CVCY is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.1x).
How is Central Valley Community Bancorp forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CVCY's earnings are forecast to decline over the next 3 years (-7% per year).
Earnings vs Market: CVCY's earnings are forecast to decline over the next 3 years (-7% per year).
High Growth Earnings: CVCY's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CVCY's revenue (2% per year) is forecast to grow slower than the US market (9.2% per year).
High Growth Revenue: CVCY's revenue (2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CVCY's Return on Equity is forecast to be low in 3 years time (8%).
How has Central Valley Community Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CVCY has high quality earnings.
Growing Profit Margin: CVCY's current net profit margins (28.6%) are lower than last year (29.3%).
Past Earnings Growth Analysis
Earnings Trend: CVCY's earnings have grown by 9.5% per year over the past 5 years.
Accelerating Growth: CVCY's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CVCY had negative earnings growth (-7.2%) over the past year, making it difficult to compare to the Banks industry average (17.2%).
Return on Equity
High ROE: CVCY's Return on Equity (8.8%) is considered low.
How is Central Valley Community Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CVCY's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: CVCY has a sufficient allowance for bad loans (319%).
Low Risk Liabilities: 98% of CVCY's liabilities are made up of primarily low risk sources of funding.
Loan Level: CVCY has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: CVCY's Loans to Deposits ratio (56%) is appropriate.
Level of Bad Loans: CVCY has an appropriate level of bad loans (0.3%).
What is Central Valley Community Bancorp current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CVCY's dividend (2.47%) is higher than the bottom 25% of dividend payers in the US market (1.24%).
High Dividend: CVCY's dividend (2.47%) is low compared to the top 25% of dividend payers in the US market (3.42%).
Stability and Growth of Payments
Stable Dividend: CVCY has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: CVCY's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (25.9%), CVCY's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jim Ford (62 yo)
Mr. James M. Ford, also known as Jim, has been the Chief Executive Officer, President and Director of Central Valley Community Bancorp and Central Valley Community Bank since February 1, 2015. Mr. Ford se...
CEO Compensation Analysis
Compensation vs Market: Jim's total compensation ($USD631.47K) is below average for companies of similar size in the US market ($USD993.61K).
Compensation vs Earnings: Jim's compensation has been consistent with company performance over the past year.
Experienced Management: CVCY's management team is seasoned and experienced (6.3 years average tenure).
Experienced Board: CVCY's board of directors are considered experienced (5.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CVCY insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Central Valley Community Bancorp's company bio, employee growth, exchange listings and data sources
- Name: Central Valley Community Bancorp
- Ticker: CVCY
- Exchange: NasdaqCM
- Founded: 1979
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$237.968m
- Shares outstanding: 12.52m
- Website: https://www.cvcb.com
Number of Employees
- Central Valley Community Bancorp
- 7100 North Financial Drive
- Suite 101
- United States
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 indiv...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/08 01:00|
|End of Day Share Price||2021/05/07 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.