Cashmere Valley Bank Past Earnings Performance

Past criteria checks 2/6

Cashmere Valley Bank has been growing earnings at an average annual rate of 4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 5.7% per year. Cashmere Valley Bank's return on equity is 12.4%, and it has net margins of 36.7%.

Key information

4.0%

Earnings growth rate

5.1%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	5.7%
Return on equity	12.4%
Net Margin	36.7%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How Cashmere Valley Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:CSHX Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	78	29	35
30 Jun 24	78	29	35
31 Mar 24	76	28	35
31 Dec 23	77	28	35
30 Sep 23	81	30	37
30 Jun 23	82	32	37
31 Mar 23	76	28	36
31 Dec 22	73	26	35
30 Sep 22	70	23	35
30 Jun 22	68	22	33
31 Mar 22	73	28	33
31 Dec 21	73	29	31
30 Sep 21	71	29	30
30 Jun 21	68	28	29
31 Mar 21	67	27	29
31 Dec 20	65	26	29
30 Sep 20	63	25	28
30 Jun 20	63	24	28
31 Mar 20	62	24	28
31 Dec 19	62	23	28
30 Sep 19	60	23	27
30 Jun 19	58	22	26
31 Mar 19	57	22	26
31 Dec 18	56	22	25
30 Sep 18	56	21	24
30 Jun 18	54	20	24
31 Mar 18	53	19	23
31 Dec 17	52	18	22
30 Sep 17	49	18	22
30 Jun 17	49	18	21
31 Mar 17	48	17	20
31 Dec 16	48	18	20
30 Sep 16	48	18	19
30 Jun 16	48	17	20
31 Mar 16	47	17	20
31 Dec 15	47	17	19
30 Sep 15	48	17	18
30 Jun 15	47	17	18
31 Mar 15	47	17	18
31 Dec 14	44	16	19

Quality Earnings: CSHX has high quality earnings.

Growing Profit Margin: CSHX's current net profit margins (36.7%) are lower than last year (36.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CSHX's earnings have grown by 4% per year over the past 5 years.

Accelerating Growth: CSHX's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CSHX had negative earnings growth (-4%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: CSHX's Return on Equity (12.4%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/11 20:39
End of Day Share Price	2025/01/08 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

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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