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

CSHX is good value based on its Price-To-Earnings Ratio (7.4x) compared to the peer average (15.9x).

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

CSHX is good value based on its Price-To-Earnings Ratio (7.4x) compared to the US Banks industry average (12.4x).

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.

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

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

CSHX ($58.5) is trading below our estimate of [[fair value]] ($137.39)

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

Insufficient data to show price forecast.

CSHX Stock Overview

A state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers. More details

CSHX fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 57.4% below our estimate of its fair value

Risk Analysis

Dividend of 2.91% is either not well covered by earnings currently or not forecast to be covered

My Notes

Capture your thoughts, links and company narrative

Cashmere Valley Bank Competitors

Investar Holding

NasdaqGM:ISTR

US$219.8m

First National

NasdaqCM:FXNC

US$217.6m

Penns Woods Bancorp

NasdaqGS:PWOD

US$238.2m

Malaga Financial

OTCPK:MLGF

US$212.0m

Price History & Performance

Summary of share price highs, lows and changes for Cashmere Valley Bank
Historical stock prices
Current Share Price	US$58.50
52 Week High	US$59.93
52 Week Low	US$48.71
Beta	0.49
1 Month Change	-0.85%
3 Month Change	0.88%
1 Year Change	17.35%
3 Year Change	-18.19%
5 Year Change	-2.92%
Change since IPO	101.72%

Recent updates

Shareholder Returns

	CSHX	US Banks	US Market
7D	-0.8%	-3.4%	-2.2%
1Y	17.4%	29.3%	23.9%

Return vs Industry: CSHX underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: CSHX underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is CSHX's price volatile compared to industry and market?
CSHX volatility
CSHX Average Weekly Movement	2.2%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CSHX has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CSHX's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1932	n/a	Greg Oakes	www.cashmerevalleybank.com

Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers. The company offers checking and savings accounts. It provides personal, auto, boat, RV, home equity, and mortgages loans; business loans comprising commercial real estate, commercial, and small business administration loans, as well as operating lines of credit.

Cashmere Valley Bank Fundamentals Summary

How do Cashmere Valley Bank's earnings and revenue compare to its market cap?
CSHX fundamental statistics
Market cap	US$214.35m
Earnings (TTM)	US$28.79m
Revenue (TTM)	US$78.38m

7.4x

P/E Ratio

0.9x

P/B Ratio

Is CSHX overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CSHX income statement (TTM)
Revenue	US$78.38m
Cost of Revenue	US$0
Gross Profit	US$78.38m
Other Expenses	US$49.59m
Earnings	US$28.79m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	7.92
Gross Margin	100.00%
Net Profit Margin	36.73%
Debt/Equity Ratio	15.9%

How did CSHX perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

0%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 11:46
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Cashmere Valley Bank is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution