CYSM Stock Overview
Community Bancorp of Santa Maria, through its subsidiary, Community Bank of Santa Maria, provides various banking products and services for businesses and individuals.
Community Bancorp of Santa Maria Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$10.30|
|52 Week High||US$12.47|
|52 Week Low||US$10.12|
|1 Month Change||-3.29%|
|3 Month Change||-10.44%|
|1 Year Change||-13.27%|
|3 Year Change||-19.22%|
|5 Year Change||-2.83%|
|Change since IPO||128.89%|
Recent News & Updates
|CYSM||US Banks||US Market|
Return vs Industry: CYSM exceeded the US Banks industry which returned -20.1% over the past year.
Return vs Market: CYSM exceeded the US Market which returned -21.7% over the past year.
|CYSM Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: Insufficient data to determine CYSM's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine CYSM's volatility change over the past year.
About the Company
Community Bancorp of Santa Maria, through its subsidiary, Community Bank of Santa Maria, provides various banking products and services for businesses and individuals. The company’s deposit products include checking, NOW, money market savings, savings, seedling, Christmas Club, individual retirement, and CDARS accounts; and certificates of deposit. Its loan portfolio comprises home equity lines of credit, personal and commercial real estate loans, commercial construction loans, personal and vehicle loans, mortgage loans, agribusiness loans, commercial equipment loans, commercial and multi-family real estate loans, and commercial revolving lines of credit, as well as Redi-Credit.
Community Bancorp of Santa Maria Fundamentals Summary
|CYSM fundamental statistics|
Is CYSM overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CYSM income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||1.31|
|Net Profit Margin||21.17%|
How did CYSM perform over the long term?See historical performance and comparison
1.9%Current Dividend Yield
Is CYSM undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CYSM?
Other financial metrics that can be useful for relative valuation.
|What is CYSM's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CYSM's PE Ratio compare to its peers?
|CYSM PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
CBFC CNB Financial Services
CSKL Catskill Hudson Bancorp
CZBS Citizens Bancshares
ELMA Elmer Bancorp
CYSM Community Bancorp of Santa Maria
Price-To-Earnings vs Peers: CYSM is expensive based on its Price-To-Earnings Ratio (7.9x) compared to the peer average (7.5x).
Price to Earnings Ratio vs Industry
How does CYSM's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: CYSM is good value based on its Price-To-Earnings Ratio (7.9x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is CYSM'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.
|Current PE Ratio||7.9x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CYSM's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of CYSM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CYSM ($10.3) is trading below our estimate of fair value ($30.62)
Significantly Below Fair Value: CYSM is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CYSM's PEG Ratio to determine if it is good value.
Discover undervalued companies
How is Community Bancorp of Santa Maria forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Community Bancorp of Santa Maria 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 Community Bancorp of Santa Maria 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 Community Bancorp of Santa Maria's filings and announcements here.
How has Community Bancorp of Santa Maria performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CYSM has high quality earnings.
Growing Profit Margin: CYSM's current net profit margins (21.2%) are higher than last year (18.1%).
Past Earnings Growth Analysis
Earnings Trend: CYSM's earnings have grown by 11.5% per year over the past 5 years.
Accelerating Growth: CYSM's earnings growth over the past year (29.6%) exceeds its 5-year average (11.5% per year).
Earnings vs Industry: CYSM earnings growth over the past year (29.6%) exceeded the Banks industry 20.7%.
Return on Equity
High ROE: CYSM's Return on Equity (9.6%) is considered low.
Discover strong past performing companies
How is Community Bancorp of Santa Maria's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CYSM's Assets to Equity ratio (14x) is moderate.
Allowance for Bad Loans: CYSM has a sufficient allowance for bad loans (112%).
Low Risk Liabilities: 98% of CYSM's liabilities are made up of primarily low risk sources of funding.
Loan Level: CYSM has an appropriate level of Loans to Assets ratio (51%).
Low Risk Deposits: CYSM's Loans to Deposits ratio (56%) is appropriate.
Level of Bad Loans: CYSM has an appropriate level of bad loans (1.1%).
Discover healthy companies
What is Community Bancorp of Santa Maria current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CYSM's dividend (1.94%) is higher than the bottom 25% of dividend payers in the US market (1.61%).
High Dividend: CYSM's dividend (1.94%) is low compared to the top 25% of dividend payers in the US market (4.3%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, CYSM has been paying a dividend for less than 10 years.
Growing Dividend: CYSM's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (15.2%), CYSM'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.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Janet Silveria (59 yo)
Ms. Janet Silveria is Chief Executive Officer of Community Bank of Santa Maria since January 2015. Ms. Silveria was appointed as an Executive Officer in January 2005 and its President in August 2012. She s...
Experienced Board: CYSM's board of directors are considered experienced (5.4 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Community Bancorp of Santa Maria's employee growth, exchange listings and data sources
- Name: Community Bancorp of Santa Maria
- Ticker: CYSM
- Exchange: OTCPK
- Founded: 2001
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$22.315m
- Shares outstanding: 2.17m
- Website: https://www.yourcbsm.com
- Community Bancorp of Santa Maria
- 2739 Santa Maria Way
- Santa Maria
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/01 00:00|
|End of Day Share Price||2022/06/30 00:00|
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.