Community West Bancshares

NasdaqCM:CVCY Stock Report

Market Cap: US$235.3m

Central Valley Community Bancorp Valuation

Is CVCY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CVCY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CVCY ($19.89) is trading below our estimate of fair value ($46.34)

Significantly Below Fair Value: CVCY is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CVCY?

Key metric: As CVCY is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CVCY. This is calculated by dividing CVCY's market cap by their current earnings.
What is CVCY's PE Ratio?
PE Ratio9.2x
EarningsUS$25.54m
Market CapUS$235.33m

Price to Earnings Ratio vs Peers

How does CVCY's PE Ratio compare to its peers?

The above table shows the PE ratio for CVCY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.9x
BWFG Bankwell Financial Group
16.5x45.2%US$249.2m
CHMG Chemung Financial
11.4x15.3%US$244.8m
TSBK Timberland Bancorp
10.5xn/aUS$262.4m
ISTR Investar Holding
13.1x10.1%US$228.1m
CVCY Central Valley Community Bancorp
9.2x39.8%US$235.3m

Price-To-Earnings vs Peers: CVCY is good value based on its Price-To-Earnings Ratio (9.2x) compared to the peer average (11.4x).

Price to Earnings Ratio vs Industry

How does CVCY's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CVCY 9.2xIndustry Avg. 12.9xNo. of Companies80PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CVCY is good value based on its Price-To-Earnings Ratio (9.2x) compared to the US Banks industry average (9.6x).

Price to Earnings Ratio vs Fair Ratio

What is CVCY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CVCY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.2x
Fair PE Ratio20x

Price-To-Earnings vs Fair Ratio: CVCY is good value based on its Price-To-Earnings Ratio (9.2x) compared to the estimated Fair Price-To-Earnings Ratio (20x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CVCY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
Nov ’25n/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
Oct ’25n/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
Sep ’25n/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
Aug ’25n/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
Jul ’25n/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
Jun ’25n/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
May ’25n/a
US$23.75
0%
8.1%US$27.00US$22.00n/a4
Apr ’25US$19.89
US$23.75
+19.4%
8.1%US$27.00US$22.00n/a4
Mar ’25US$18.55
US$23.75
+28.0%
8.1%US$27.00US$22.00n/a4
Feb ’25US$18.59
US$23.75
+27.8%
8.1%US$27.00US$22.00n/a4
Jan ’25US$22.35
US$22.25
-0.4%
14.0%US$27.00US$19.00n/a4
Dec ’24US$17.79
US$20.25
+13.8%
8.1%US$23.00US$19.00n/a4
Nov ’24US$15.59
US$20.25
+29.9%
8.1%US$23.00US$19.00n/a4
Oct ’24US$14.11
US$19.75
+40.0%
12.6%US$24.00US$18.00n/a4
Sep ’24US$14.89
US$20.00
+34.3%
11.7%US$24.00US$18.00n/a4
Aug ’24US$16.67
US$20.00
+20.0%
11.7%US$24.00US$18.00n/a4
Jul ’24US$15.45
US$21.00
+35.9%
12.1%US$24.00US$18.00n/a4
Jun ’24US$15.14
US$21.67
+43.1%
12.1%US$24.00US$18.00n/a3
May ’24US$15.05
US$21.67
+44.0%
12.1%US$24.00US$18.00n/a3
Apr ’24US$20.58
US$25.50
+23.9%
16.9%US$30.50US$20.00US$19.893
Mar ’24US$25.49
US$26.13
+2.5%
14.8%US$30.50US$20.00US$18.554
Feb ’24US$25.45
US$23.75
-6.7%
10.5%US$26.00US$20.00US$18.594
Jan ’24US$21.18
US$21.75
+2.7%
5.0%US$23.00US$20.00US$22.354
Dec ’23US$20.40
US$20.50
+0.5%
8.1%US$22.00US$18.00US$17.794
Nov ’23US$18.64
US$19.50
+4.6%
8.5%US$22.00US$18.00US$15.594

Analyst Forecast: Target price is less than 20% higher than the current share price.

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