| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
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
| Historical stock prices | |
|---|---|
| Current Share Price | US$54.50 |
| 52 Week High | US$74.82 |
| 52 Week Low | US$54.50 |
| Beta | 0.72 |
| 1 Month Change | -6.03% |
| 3 Month Change | -21.56% |
| 1 Year Change | -24.41% |
| 3 Year Change | -6.03% |
| 5 Year Change | 2.06% |
| Change since IPO | 87.93% |
Recent News & Updates
Shareholder Returns
| CSHX | US Banks | US 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
| CSHX volatility | |
|---|---|
| CSHX Average Weekly Movement | 2.8% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 3.1% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1932 | n/a | Greg Oakes | https://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
| CSHX fundamental statistics | |
|---|---|
| Market Cap | US$211.67m |
| Earnings (TTM) | US$27.80m |
| Revenue (TTM) | US$72.90m |
7.6x
P/E Ratio1.1x
P/B RatioIs CSHX overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CSHX income statement (TTM) | |
|---|---|
| Revenue | US$72.90m |
| Cost of Revenue | US$0 |
| Gross Profit | US$72.90m |
| Other Expenses | US$45.11m |
| Earnings | US$27.80m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 7.16 |
| Gross Margin | 100.00% |
| Net Profit Margin | 38.13% |
| Debt/Equity Ratio | 18.4% |
How did CSHX perform over the long term?
See historical performance and comparisonDividends
3.1%
Current Dividend Yield23%
Payout RatioValuation
Is CSHX undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation 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.
| What is CSHX's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$211.67m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does CSHX's PE Ratio compare to its peers?
| CSHX PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 10.6x |
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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 7.6x |
| Fair PE Ratio | n/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
0/6Future 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.
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- 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
2/6Past 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.
Discover strong past performing companies
Financial Health
How is Cashmere Valley Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial 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
2/6Dividend 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/23 00:00 |
| End of Day Share Price | 2022/06/22 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.