Cashmere Valley Bank
Market Cap
US$248.7m
Last Updated
2019/10/15 00:31 UTC
Data Sources
Company Financials
Executive Summary
Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and middle income individuals.
Snowflake
Fundamentals
Flawless balance sheet and fair value.
Share Price & News
How has Cashmere Valley Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
1.4%
CSHX
1.7%
US Banks
1.3%
US Market
1 Year Return
-11.2%
CSHX
0.3%
US Banks
5.9%
US Market
Return vs Industry: CSHX underperformed the US Banks industry which returned 0.3% over the past year.
Return vs Market: CSHX underperformed the US Market which returned 5.9% over the past year.
Shareholder returns
| CSHX | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.4% | 1.7% | 1.3% |
| 30 Day | 7.0% | -2.4% | -1.9% |
| 90 Day | 2.9% | 1.0% | -1.8% |
| 1 Year | -9.2%-11.2% | 3.2%0.3% | 8.3%5.9% |
| 3 Year | 53.4%41.1% | 52.1%41.7% | 45.6%36.2% |
| 5 Year | 100.7%75.7% | 69.8%51.4% | 66.1%47.9% |
Price Volatility Vs. Market
How volatile is Cashmere Valley Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Cashmere Valley Bank undervalued compared to its fair value and its price relative to the market?
11.5%
Undervalued compared to fair value
Share Price vs. Fair Value
Undervalued: CSHX ($61.5) is trading below our estimate of fair value ($69.46)
Significantly Undervalued: CSHX is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CSHX is good value based on its PE Ratio (11.4x) compared to the Banks industry average (12.5x).
PE vs Market: CSHX is good value based on its PE Ratio (11.4x) compared to the US market (17.5x).
Price to Earnings Growth Ratio
Low PEG Ratio: Insufficient data to calculate CSHX's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CSHX is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Cashmere Valley Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
3.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CSHX's forecast earnings growth (3.9% per year) is above the savings rate (2.7%).
Earnings vs Market: CSHX's earnings (3.9% per year) are forecast to grow slower than the US market (14.4% per year).
High Growth Earnings: CSHX's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if CSHX's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if CSHX's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: Insufficient data to determine if CSHX's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has Cashmere Valley Bank performed over the past 5 years?
7.1%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: CSHX's earnings have grown by 7.1% per year over the past 5 years.
Accelerating Growth: CSHX's earnings growth over the past year (13%) exceeds its 5-year average (7.1% per year).
Earnings vs Industry: CSHX earnings growth over the past year (13%) underperformed the Banks industry 31.8%.
Return on Equity
High ROE: CSHX's Return on Equity (10.7%) is considered low.
Return on Assets
ROA vs Industry: CSHX has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate CSHX's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is Cashmere Valley Bank'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: CSHX has a low level of unsold assets or inventory.
Debt Coverage by Assets: CSHX's debt is covered by short term assets (assets are 7.794710x debt).
Financial Institutions Analysis
Asset Level: CSHX's level of assets compared to its equity is low.
Allowance for Bad Loans: CSHX has a sufficient allowance for bad loans.
Low Risk Liabilities: CSHX's liabilities are made up of primarily low risk sources of funding.
Loan Level: CSHX has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CSHX's loans are broadly funded by customer deposits.
Level of Bad Loans: CSHX has an appropriate level of bad loans (0.03%)
Next Steps
Dividend
What is Cashmere Valley Bank's current dividend yield, its reliability and sustainability?
2.11%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: CSHX's dividend (2.11%) is higher than the bottom 25% of dividend payers in the US market (1.47%).
High Dividend: CSHX's dividend (2.11%) is low compared to the top 25% of dividend payers in the US market (3.77%).
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 6 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (23.3%), 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 and that it will be covered by earnings.
Next Steps
Management
What is the CEO of Cashmere Valley Bank's salary, the management and board of directors tenure and is there insider trading?
87.8yrs
Average management tenure
CEO
Greg Oakes (58yo)
5.8yrs
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 ...
Management Age and Tenure
87.8yrs
Average Tenure
Experienced Management: CSHX's management team is seasoned and experienced (87.8 years average tenure).
Board Age and Tenure
16.8yrs
Average Tenure
Experienced Board: CSHX's board of directors are seasoned and experienced ( 16.8 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
Mike Lundstrom (44yo)
Executive VP & CFO
- Tenure: 0yrs
W. Rieke
Co-Founder
- Tenure: 87.8yrs
H. Rieke
Co-Founder
- Tenure: 87.8yrs
Greg Oakes (58yo)
President
- Tenure: 5.8yrs
Connie Fritz
Executive VP & Chief Retail Banking Officer
- Tenure: 0yrs
Sue Ozburn
Chief Information Officer & Executive VP
- Tenure: 0yrs
Deidra Anderson
Compliance Officer & VP
- Tenure: 0yrs
Art Hansen
Senior VP of Financial Services Group & Financial Services Manager
- Tenure: 0yrs
Chris Ewer
Senior Vice President
- Tenure: 0yrs
Jennifer West
AVP & Human Resource Director
- Tenure: 0yrs
Board Members
John Doyle (49yo)
Vice Chairman of the Board
- Tenure: 0.4yrs
Greg Oakes (58yo)
President
- Tenure: 5.8yrs
Brian Nelson
Director
- Tenure: 23.8yrs
Lyman Boyd
Chairman of the Board
- Tenure: 0.4yrs
Judy Conner
Director
- Tenure: 18.8yrs
Bill Dronen
Director
- Tenure: 17.8yrs
Keith Wiggins
Director
- Tenure: 16.8yrs
Company Information
Cashmere Valley Bank's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Cashmere Valley Bank
- Ticker: CSHX
- Exchange: OTCPK
- Founded: 1932
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$248.706m
- Shares outstanding: 4.04m
- Website: https://www.cashmerevalleybank.com
Location
- Cashmere Valley Bank
- 117 Aplets Way
- Cashmere
- Washington
- 98815
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CSHX | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Jul 2013 |
Biography
Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and middle income individuals. It offers checking and savings accounts; personal, ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/15 00:31 |
| End of Day Share Price | 2019/10/09 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.