CYSM Stock Overview

Operates as the bank holding company for Community Bank of Santa Maria that provides various banking products and services for businesses and individuals. More details

CYSM fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 57.7% below our estimate of its fair value

Earnings grew by 9.4% over the past year

Risk Analysis

Shares are highly illiquid

Latest financial reports are more than 6 months old

Does not have a meaningful market cap ($24M)

My Notes

Capture your thoughts, links and company narrative

Community Bancorp of Santa Maria Competitors

Security Bancorp

OTCPK:SCYT

US$25.8m

Elmer Bancorp

OTCPK:ELMA

US$24.9m

JSB Financial

OTCPK:JFWV

US$23.2m

Peoples Bancorp

OTCPK:PEBC

US$25.0m

Price History & Performance

Summary of share price highs, lows and changes for Community Bancorp of Santa Maria
Historical stock prices
Current Share Price	US$10.80
52 Week High	US$10.99
52 Week Low	US$10.00
Beta	0.30
1 Month Change	0.47%
3 Month Change	2.86%
1 Year Change	6.40%
3 Year Change	-1.82%
5 Year Change	-16.73%
Change since IPO	140.00%

Recent updates

Shareholder Returns

	CYSM	US Banks	US Market
7D	-1.7%	-3.4%	-2.2%
1Y	6.4%	29.3%	23.9%

Return vs Industry: CYSM underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: CYSM underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is CYSM's price volatile compared to industry and market?
CYSM volatility
CYSM Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CYSM's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CYSM's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2001	n/a	Janet Silveria	www.yourcbsm.com

Community Bancorp of Santa Maria operates as the bank holding company for Community Bank of Santa Maria that 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, commercial real estate loans, commercial construction loans, personal and vehicle loans, residential construction loans, mortgage loans, SBA 504 and 7(a) loans, agribusiness loans, commercial equipment loans, 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 cap	US$23.66m
Earnings (TTM)	US$3.91m
Revenue (TTM)	US$15.52m

6.0x

P/E Ratio

0.8x

P/B Ratio

Is CYSM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CYSM income statement (TTM)
Revenue	US$15.52m
Cost of Revenue	US$0
Gross Profit	US$15.52m
Other Expenses	US$11.61m
Earnings	US$3.91m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	1.79
Gross Margin	100.00%
Net Profit Margin	25.21%
Debt/Equity Ratio	14.9%

How did CYSM perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

14%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 15:59
End of Day Share Price	2024/12/20 00:00
Earnings	2023/12/31
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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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

Community Bancorp of Santa Maria 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

Community Bancorp of Santa Maria OTCPK:CYSM Stock Report