OTCPK:CBYA.A

Stock Analysis Report

Community Bank of the Bay

Executive Summary

Community Bank of the Bay provides various banking services to individuals and businesses in the communities of Oakland, Danville, San Mateo, and Emeryville, California.

Snowflake

Fundamentals

Adequate balance sheet with acceptable track record.


Similar Companies

Share Price & News

How has Community Bank of the Bay's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.07%

CBYA.A

2.9%

US Banks

0.07%

US Market


1 Year Return

-8.1%

CBYA.A

8.6%

US Banks

8.9%

US Market

Return vs Industry: CBYA.A underperformed the US Banks industry which returned 7.2% over the past year.

Return vs Market: CBYA.A underperformed the US Market which returned 8% over the past year.


Shareholder returns

CBYA.AIndustryMarket
7 Day0.07%2.9%0.07%
30 Day1.3%3.4%-0.3%
90 Day0.5%2.1%-1.6%
1 Year-8.1%-8.1%11.8%8.6%11.3%8.9%
3 Year36.0%36.0%54.8%44.1%46.3%36.8%
5 Year70.9%70.9%70.2%51.6%62.1%44.3%

Price Volatility Vs. Market

How volatile is Community Bank of the Bay's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Bank of the Bay undervalued compared to its fair value and its price relative to the market?

21.13x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: CBYA.A ($7.01) is trading above our estimate of fair value ($1.41)

Significantly Below Fair Value: CBYA.A is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: CBYA.A is poor value based on its PE Ratio (21.1x) compared to the Banks industry average (12.6x).

PE vs Market: CBYA.A is poor value based on its PE Ratio (21.1x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CBYA.A's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CBYA.A is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Community Bank of the Bay forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

18.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CBYA.A's forecast earnings growth (18% per year) is above the savings rate (2.7%).

Earnings vs Market: CBYA.A's earnings (18% per year) are forecast to grow faster than the US market (14.5% per year).

High Growth Earnings: CBYA.A's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if CBYA.A's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if CBYA.A's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if CBYA.A's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Community Bank of the Bay performed over the past 5 years?

13.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: CBYA.A's earnings have grown by 13.8% per year over the past 5 years.

Accelerating Growth: CBYA.A's earnings growth over the past year (44.8%) exceeds its 5-year average (13.8% per year).

Earnings vs Industry: CBYA.A earnings growth over the past year (44.8%) exceeded the Banks industry 30.1%.


Return on Equity

High ROE: CBYA.A's Return on Equity (5.6%) is considered low.


Return on Assets

ROA vs Industry: CBYA.A's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate CBYA.A's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Community Bank of the Bay's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: CBYA.A has a low level of unsold assets or inventory.

Debt Coverage by Assets: CBYA.A's debt is covered by short term assets (assets are 2.362790x debt).


Financial Institutions Analysis

Asset Level: CBYA.A's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if CBYA.A has a sufficient allowance for bad loans.

Low Risk Liabilities: CBYA.A's liabilities are made up of primarily low risk sources of funding.

Loan Level: CBYA.A has an acceptable proportion of non-loan assets held.

Low Risk Deposits: CBYA.A's loans are broadly funded by customer deposits.

Level of Bad Loans: Insufficient data to determine if CBYA.A has an appropriate level of bad loans.


Next Steps

Dividend

What is Community Bank of the Bay's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate CBYA.A's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate CBYA.A's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if CBYA.A's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CBYA.A's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CBYA.A's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Community Bank of the Bay's salary, the management and board of directors tenure and is there insider trading?

3.8yrs

Average management tenure


CEO

Bill Keller (60yo)

7.8yrs

Tenure

US$186,000

Compensation

Mr. William S. Keller has been Chief Executive Officer of Community Bank of the Bay since 2012 and also has been its President since April 2009 and Director since 2009. Mr. Keller joined Community Bank of  ...


Management Age and Tenure

3.8yrs

Average Tenure

56.5yo

Average Age

Experienced Management: CBYA.A's management team is considered experienced (3.8 years average tenure).


Board Age and Tenure

8.5yrs

Average Tenure

67.5yo

Average Age

Experienced Board: CBYA.A's board of directors are considered experienced (8.5 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Wil Hobbs (72yo)

    Senior VP & Chief Lending Officer

    • Tenure: 7.8yrs
    • Compensation: US$141.32k
  • Chaula Pandya (51yo)

    Senior VP & CTO

    • Tenure: 0yrs
    • Compensation: US$139.99k
  • Bill Keller (60yo)

    President

    • Tenure: 7.8yrs
    • Compensation: US$186.00k
  • Margie Perry

    Chief Customer Experience Officer & Senior VP

    • Tenure: 3.8yrs
  • John Barr

    Chief Credit Officer & Senior VP

    • Tenure: 1.7yrs
  • Mukhtar Ali (53yo)

    Executive VP & COO

    • Tenure: 1.7yrs
  • Lillian Lazzeri

    Senior VP - Operations

    • Tenure: 0yrs
  • Daniel Northway

    Senior VP & CFO

    • Tenure: 0yrs
  • Mark Roach

    Chief Banking Officer & Senior VP

    • Tenure: 0yrs
  • David Meyer

    Senior VP & Danville Regional Manager

    • Tenure: 0yrs

Board Members

  • Tracey Enfantino (56yo)

    Independent Director

    • Tenure: 9.3yrs
  • Dimitri Koroslev (74yo)

    Independent Director

    • Tenure: 14.2yrs
    • Compensation: US$2.82k
  • Patricia Remch (66yo)

    Director

    • Tenure: 0.6yrs
  • Bill Keller (60yo)

    President

    • Tenure: 7.8yrs
    • Compensation: US$186.00k
  • Eddie Cheung (69yo)

    Independent Director

    • Tenure: 9.3yrs
  • Bill Purcell

    Chairman

    • Tenure: 6yrs
  • Frank Tsai (70yo)

    Independent Director

    • Tenure: 22.8yrs
    • Compensation: US$2.73k
  • Raymond Figone (61yo)

    Director

    • Tenure: 7.8yrs
  • Ken Seideman

    Director

    • Tenure: 2.2yrs
  • Sam Hedgpeth (72yo)

    Vice Chairman

    • Tenure: 1.3yrs

Company Information

Community Bank of the Bay's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community Bank of the Bay
  • Ticker: CBYA.A
  • Exchange: OTCPK
  • Founded: 1996
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$57.355m
  • Shares outstanding: 8.19m
  • Website: https://www.bankcbb.com

Location

  • Community Bank of the Bay
  • 180 Grand Avenue
  • Suite 120 & 1550
  • Oakland
  • California
  • 94612
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CBYA.AOTCPK (Pink Sheets LLC)YesClass A Common StockUSUSDAug 2003

Biography

Community Bank of the Bay provides various banking services to individuals and businesses in the communities of Oakland, Danville, San Mateo, and Emeryville, California. It offers checking, savings, deposi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 23:51
End of Day Share Price2019/10/18 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.