OTCPK:CYSM

Stock Analysis Report

Community Bancorp of Santa Maria

Executive Summary

Community Bancorp of Santa Maria, through its subsidiary, Community Bank of Santa Maria, provides various banking products and services for businesses and individuals.

Snowflake

Fundamentals

Adequate balance sheet with proven track record.

Risks

  • Community Bancorp of Santa Maria's last earnings update was 204 days ago.
  • Community Bancorp of Santa Maria is not covered by any analysts.

Similar Companies

Share Price & News

How has Community Bancorp of Santa Maria's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CYSM

0.3%

US Banks

0.9%

US Market


1 Year Return

-11.3%

OTCPK:CYSM

-13.6%

US Banks

0.3%

US Market

CYSM outperformed the Banks industry which returned -14.2% over the past year.

CYSM underperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

CYSMIndustryMarket
7 Day0%0.3%0.9%
30 Day-1.6%-5.1%-1.9%
90 Day-0.4%-3.5%1.6%
1 Year-10.3%-11.3%-11.2%-13.6%2.6%0.3%
3 Yearn/a43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Community Bancorp of Santa Maria's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Bancorp of Santa Maria undervalued based on future cash flows and its price relative to the stock market?

8.42x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Community Bancorp of Santa Maria's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Community Bancorp of Santa Maria's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Community Bancorp of Santa Maria is good value based on earnings compared to the US Banks industry average.

Community Bancorp of Santa Maria is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Community Bancorp of Santa Maria, we can't assess if its growth is good value.


Price Based on Value of Assets

Community Bancorp of Santa Maria is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Community Bancorp of Santa Maria expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Community Bancorp of Santa Maria is high growth as no revenue estimate data is available.

Community Bancorp of Santa Maria's earnings are expected to grow by 1.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare Community Bancorp of Santa Maria's revenue growth to the United States of America market average as no estimate data is available.

Community Bancorp of Santa Maria's earnings growth is positive but not above the United States of America market average.

Community Bancorp of Santa Maria's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Community Bancorp of Santa Maria will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

31.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Community Bancorp of Santa Maria has delivered over 20% year on year earnings growth in the past 5 years.

Community Bancorp of Santa Maria's 1-year earnings growth exceeds its 5-year average (149.3% vs 31.9%)

Community Bancorp of Santa Maria's earnings growth has exceeded the US Banks industry average in the past year (149.3% vs 33.2%).


Return on Equity

Community Bancorp of Santa Maria has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Community Bancorp of Santa Maria used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Community Bancorp of Santa Maria improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Community Bancorp of Santa Maria'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Community Bancorp of Santa Maria has an acceptable proportion of non-loan assets held.

Unable to establish if Community Bancorp of Santa Maria has a sufficient allowance for bad loans without relevant financial data.

Community Bancorp of Santa Maria's liabilities are made up of primarily low risk sources of funding.

Community Bancorp of Santa Maria's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Community Bancorp of Santa Maria are broadly funded by customer deposits.

Unable to establish if Community Bancorp of Santa Maria has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

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

0.80%

Current Dividend Yield


Dividend Yield and Payments Analysis

Community Bancorp of Santa Maria's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Community Bancorp of Santa Maria's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Community Bancorp of Santa Maria is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Community Bancorp of Santa Maria is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Community Bancorp of Santa Maria's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Community Bancorp of Santa Maria's salary, the management and board of directors tenure and is there insider trading?

2.6yrs

Average board tenure


CEO

Janet Silveria (56yo)

2.6yrs

Tenure

0

Ms. Janet Silveria was appointed Chief Executive Officer of Community Bank of Santa Maria in January 2015. Ms. Silveria was appointed an Executive Officer in January 2005 and President in August 2012. She  ...


Board Age and Tenure

2.6yrs

Average Tenure

74yo

Average Age

The average tenure for the Community Bancorp of Santa Maria board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Lisa Ramser (62yo)

    Executive VP & CFO

    • Tenure: 2.6yrs
  • Janet Silveria (56yo)

    President

    • Tenure: 2.6yrs
  • Curt Davis (67yo)

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs

Board Members

  • Bill Hares (85yo)

    Chairman Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$36.00k
  • Jim Glines (76yo)

    Chairman of the Board

    • Tenure: 2.6yrs
  • Catherine Buchert (74yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$30.50k
  • Michael Moats (70yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$20.00k
  • William Moffatt (80yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$29.60k
  • Royce Lewellen (88yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$9.40k
  • John Lizarraga (58yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$23.70k
  • Johannah Bradley (65yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$14.30k
  • Janet Silveria (56yo)

    President

    • Tenure: 2.6yrs
  • Lupe Alvarez

    Director

    • Tenure: 1.4yrs

Company Information

Community Bancorp of Santa Maria's company bio, 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
  • Market Cap: US$30.698m
  • Shares outstanding: 2.46m
  • Website: https://www.yourcbsm.com

Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CYSMOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2017

Biography

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 includ ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 00:53
End of Day Share Price2019/08/19 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.