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CYSM

Community Bancorp of Santa Maria OTCPK:CYSM Stock Report

Last Price

US$10.30

Market Cap

US$22.3m

7D

-1.0%

1Y

-13.3%

Updated

01 Jul, 2022

Data

Company Financials
CYSM fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends2/6

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

Summary of all time highs, changes and price drops for Community Bancorp of Santa Maria
Historical stock prices
Current Share PriceUS$10.30
52 Week HighUS$12.47
52 Week LowUS$10.12
Beta0.33
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 IPO128.89%

Recent News & Updates

Shareholder Returns

CYSMUS BanksUS Market
7D-1.0%-1.9%-2.5%
1Y-13.3%-18.3%-21.2%

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.

Price Volatility

Is CYSM's price volatile compared to industry and market?
CYSM volatility
CYSM Average Weekly Movementn/a
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

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

FoundedEmployeesCEOWebsite
2001n/aJanet Silveriahttps://www.yourcbsm.com

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

How do Community Bancorp of Santa Maria's earnings and revenue compare to its market cap?
CYSM fundamental statistics
Market CapUS$22.32m
Earnings (TTM)US$2.83m
Revenue (TTM)US$13.37m

7.9x

P/E Ratio

0.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CYSM income statement (TTM)
RevenueUS$13.37m
Cost of RevenueUS$0
Gross ProfitUS$13.37m
Other ExpensesUS$10.54m
EarningsUS$2.83m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.31
Gross Margin100.00%
Net Profit Margin21.17%
Debt/Equity Ratio14.8%

How did CYSM perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

15%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is CYSM undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

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

  • PEG Ratio

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.

CYSM key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

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

CYSM PE Ratio vs Peers
The above table shows the PE ratio for CYSM vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average7.5x
CBFC CNB Financial Services
n/an/aUS$22.7m
CSKL Catskill Hudson Bancorp
13.1xn/aUS$19.9m
CZBS Citizens Bancshares
6.6xn/aUS$26.1m
ELMA Elmer Bancorp
10.5xn/aUS$19.5m
CYSM Community Bancorp of Santa Maria
7.9xn/aUS$22.3m

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.

CYSM PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.9x
Fair PE Ration/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.


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Future Growth

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 Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


9.9%

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.


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  • 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.

Past Performance

How has Community Bancorp of Santa Maria performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


11.5%

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.


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Financial Health

How is Community Bancorp of Santa Maria's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial 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: 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%).


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Dividend

What is Community Bancorp of Santa Maria current dividend yield, its reliability and sustainability?

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


1.94%

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.


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Management

How experienced are the management team and are they aligned to shareholders interests?

5.4yrs

Average board tenure


CEO

Janet Silveria (59 yo)

5.42yrs

Tenure

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...


Board Members

Experienced Board: CYSM's board of directors are considered experienced (5.4 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

Community Bancorp of Santa Maria's employee growth, exchange listings and data sources


Key Information

  • 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

Location

  • Community Bancorp of Santa Maria
  • 2739 Santa Maria Way
  • Santa Maria
  • California
  • 93455
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/01 00:00
End of Day Share Price2022/06/30 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.