Central Valley Community Bancorp
Central Valley Community Bancorp Fundamental Analysis
Central Valley Community Bancorp (CVCY) shows moderate financial fundamentals with a PE ratio of 9.92, profit margin of 20.55%, and ROE of 9.79%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CVCY's fundamental strength across five key dimensions:
Efficiency Score
WeakCVCY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCVCY trades at attractive valuation levels.
Growth Score
ModerateCVCY shows steady but slowing expansion.
Financial Health Score
ModerateCVCY shows balanced financial health with some risks.
Profitability Score
ModerateCVCY maintains healthy but balanced margins.
Key Financial Metrics
Is CVCY Expensive or Cheap?
P/E Ratio
CVCY trades at 9.92 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CVCY's PEG of 0.03 indicates potential undervaluation.
Price to Book
The market values Central Valley Community Bancorp at 0.92 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.32 times EBITDA. This is generally considered low.
How Well Does CVCY Make Money?
Net Profit Margin
For every $100 in sales, Central Valley Community Bancorp keeps $20.55 as profit after all expenses.
Operating Margin
Core operations generate 0.00 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.79 in profit for every $100 of shareholder equity.
ROA
Central Valley Community Bancorp generates $1.03 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Central Valley Community Bancorp produces operating cash flow of $25.87M, showing steady but balanced cash generation.
Free Cash Flow
Central Valley Community Bancorp generates strong free cash flow of $30.21M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.55 in free cash annually.
FCF Yield
CVCY converts 20.66% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.92
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.03
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.92
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.27
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How CVCY Stacks Against Its Sector Peers
| Metric | CVCY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.92 | N/A | Distorted |
| ROE | 9.79% | N/A | Distorted |
| Net Margin | 20.55% | N/A | Strong |
| Debt/Equity | 0.00 | N/A | Distorted |
| Current Ratio | 0.00 | N/A | Weak Liquidity |
| ROA | 1.03% | N/A | Weak |
CVCY outperforms its industry in 1 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Central Valley Community Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: N/A
EPS CAGR
N/A
Industry Style: N/A
FCF CAGR
N/A
Industry Style: N/A