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CSHX

Cashmere Valley Bank OTCPK:CSHX Stock Report

Last Price

US$54.50

Market Cap

US$211.7m

7D

-1.8%

1Y

-24.4%

Updated

23 Jun, 2022

Data

Company Financials
CSHX fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends2/6

CSHX Stock Overview

Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers.

Cashmere Valley Bank Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Cashmere Valley Bank
Historical stock prices
Current Share PriceUS$54.50
52 Week HighUS$74.82
52 Week LowUS$54.50
Beta0.72
1 Month Change-6.03%
3 Month Change-21.56%
1 Year Change-24.41%
3 Year Change-6.03%
5 Year Change2.06%
Change since IPO87.93%

Recent News & Updates

Shareholder Returns

CSHXUS BanksUS Market
7D-1.8%1.2%4.0%
1Y-24.4%-19.3%-20.5%

Return vs Industry: CSHX underperformed the US Banks industry which returned -16.9% over the past year.

Return vs Market: CSHX underperformed the US Market which returned -20.8% over the past year.

Price Volatility

Is CSHX's price volatile compared to industry and market?
CSHX volatility
CSHX Average Weekly Movement2.8%
Banks Industry Average Movement3.8%
Market Average Movement7.9%
10% most volatile stocks in US Market16.5%
10% least volatile stocks in US Market3.1%

Stable Share Price: CSHX is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: Insufficient data to determine CSHX's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1932n/aGreg Oakeshttps://www.cashmerevalleybank.com

Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers. It offers checking and savings accounts; personal, auto, boat, RV, and home equity loans, as well as mortgages; business loans comprising commercial real estate loans, commercial loans, operating lines of credit, and small business administration loans; equipment financing; credit cards; and wealth management, merchant, and treasury services. The company also provides banking and financing solutions for local municipalities, including banking services, privately-placed bonds and notes, municipal credit cards, and interim-financings in connection with rural development projects.

Cashmere Valley Bank Fundamentals Summary

How do Cashmere Valley Bank's earnings and revenue compare to its market cap?
CSHX fundamental statistics
Market CapUS$211.67m
Earnings (TTM)US$27.80m
Revenue (TTM)US$72.90m

7.6x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CSHX income statement (TTM)
RevenueUS$72.90m
Cost of RevenueUS$0
Gross ProfitUS$72.90m
Other ExpensesUS$45.11m
EarningsUS$27.80m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)7.16
Gross Margin100.00%
Net Profit Margin38.13%
Debt/Equity Ratio18.4%

How did CSHX perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

23%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

CSHX key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

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

CSHX PE Ratio vs Peers
The above table shows the PE ratio for CSHX vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.6x

Price-To-Earnings vs Peers: CSHX is good value based on its Price-To-Earnings Ratio (7.6x) compared to the peer average (10.6x).


Price to Earnings Ratio vs Industry

How does CSHX's PE Ratio compare vs other companies in the U.S. Banks Industry?

Price-To-Earnings vs Industry: CSHX is good value based on its Price-To-Earnings Ratio (7.6x) compared to the US Banks industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is CSHX'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.

CSHX PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.6x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CSHX's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

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

Below Fair Value: CSHX ($54.5) is trading below our estimate of fair value ($152.25)

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


Price to Earnings Growth Ratio

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


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Future Growth

How is Cashmere Valley Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


10.1%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Cashmere Valley Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Examine whether Cashmere Valley Bank is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Cashmere Valley Bank's filings and announcements here.

Past Performance

How has Cashmere Valley Bank performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


10.6%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CSHX has high quality earnings.

Growing Profit Margin: CSHX's current net profit margins (38.1%) are lower than last year (40.8%).


Past Earnings Growth Analysis

Earnings Trend: CSHX's earnings have grown by 10.6% per year over the past 5 years.

Accelerating Growth: CSHX's earnings growth over the past year (1.5%) is below its 5-year average (10.6% per year).

Earnings vs Industry: CSHX earnings growth over the past year (1.5%) underperformed the Banks industry 20.7%.


Return on Equity

High ROE: CSHX's Return on Equity (14.7%) is considered low.


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Financial Health

How is Cashmere Valley Bank's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CSHX's Assets to Equity ratio (11.6x) is moderate.

Allowance for Bad Loans: CSHX has a sufficient allowance for bad loans (1492%).

Low Risk Liabilities: 98% of CSHX's liabilities are made up of primarily low risk sources of funding.

Loan Level: CSHX has an appropriate level of Loans to Assets ratio (44%).

Low Risk Deposits: CSHX's Loans to Deposits ratio (49%) is appropriate.

Level of Bad Loans: CSHX has an appropriate level of bad loans (0.1%).


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Dividend

What is Cashmere Valley Bank current dividend yield, its reliability and sustainability?

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


3.12%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CSHX's dividend (3.12%) is higher than the bottom 25% of dividend payers in the US market (1.63%).

High Dividend: CSHX's dividend (3.12%) is low compared to the top 25% of dividend payers in the US market (4.34%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, CSHX has been paying a dividend for less than 10 years.

Growing Dividend: CSHX's dividend payments have increased, but the company has only paid a dividend for 8 years.


Current Payout to Shareholders

Earnings Coverage: With its low payout ratio (23.1%), CSHX'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 or that it will be covered by earnings.


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Management

How experienced are the management team and are they aligned to shareholders interests?

90.4yrs

Average management tenure


CEO

Greg Oakes (60 yo)

8.42yrs

Tenure

Mr. Greg Oakes has been the Chief Executive Officer and President of Cashmere Valley Financial Corp. and Cashmere Valley Bank since September 2014 and has been its Director since 2014. Mr. Oakes is Chairma...


Leadership Team

Experienced Management: CSHX's management team is seasoned and experienced (90.4 years average tenure).


Board Members

Experienced Board: CSHX's board of directors are considered experienced (8.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

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


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Cashmere Valley Bank's employee growth, exchange listings and data sources


Key Information

  • Name: Cashmere Valley Bank
  • Ticker: CSHX
  • Exchange: OTCPK
  • Founded: 1932
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$211.668m
  • Shares outstanding: 3.88m
  • Website: https://www.cashmerevalleybank.com

Location

  • Cashmere Valley Bank
  • 117 Aplets Way
  • Cashmere
  • Washington
  • 98815
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/23 00:00
End of Day Share Price2022/06/22 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.