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Central Valley Community Bancorp

Company price
None USD 0.00(0%)
Last update at 2024-04-25T10:23:03.726162Z
Market Cap
261.94M
P/E
9.53

Momentum Score

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Central Valley Community Bancorp operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in the central valley area of California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. It also provides products, such as commercial and industrial loans, as well as loans secured by crop production and livestock; owner occupied and investor commercial real estate, real estate construction and other land, agricultural real estate, and other real estate loans; and equity loans and lines of credit, and installment and other consumer loans. In addition, the company offers domestic and international wire transfer, safe deposit box, Internet banking, inquiry, account status, bill paying, account transfers, and cash management and other customary banking services. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.

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52 Week Price Range
12.40
Low
25.34
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
-
Dividend Yield
2.17%
Revenue TTM
89.05M
Revenue Per Share
7.60
Gross Profit TTM
83.62M
Debt / Equity
0.66
ROE
16.02%
Net Debt
84.43M
ROCE
1.65%
Diluted EPS TTM
2.32

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 35.14M 38.02M 27.26M 29.95M 27.91M
Net income 26.64M 28.40M 20.35M 21.44M 21.29M
Selling general administrative 29.76M 35.23M 34.15M 31.78M 30.08M
Selling and marketing expenses 0.56M 0.53M 0.66M 0.76M 0.76M
Gross profit 83.34M 80.42M 76.75M 75.34M 71.36M
Reconciled depreciation 0.45M 0.66M 5.50M 6.31M 8.16M
Ebit 38.56M 38.02M 27.26M 29.95M 37.10M
Ebitda 48.98M 38.68M 27.96M 30.65M 37.55M
Depreciation and amortization 10.42M 0.66M 0.69M 0.69M 0.46M
Operating income 38.56M 38.02M 27.26M 29.95M 29.39M
Other operating expenses -44.77M -42.40M -49.49M -45.39M 41.97M
Interest expense 3.42M 1.30M 1.59M 2.56M 1.48M
Tax provision 8.50M 9.62M 6.91M 8.51M 6.62M
Interest income 82.99M 73.86M 66.02M 66.33M 64.19M
Net interest income 79.57M 72.55M 64.42M 63.77M 62.70M
Income tax expense 8.50M 9.62M 6.91M 8.51M 6.62M
Total revenue 83.34M 80.42M 76.75M 75.34M 71.56M
Total operating expenses -44.77M -42.40M -49.49M -45.39M -41.97M
Cost of revenue - - - - 0.20M
Total other income expense net -3.42M -1.30M -1.59M -2.56M -1.48M
Net income from continuing ops 26.64M 28.40M 20.35M 21.44M 21.29M
Net income applicable to common shares 26.64M 28.40M 20.35M 21.44M 21.29M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 2422.52M 2450.14M 2004.10M 1596.76M 1537.84M
Intangible assets 0.07M 0.52M 1.18M 1.88M 2.57M
Earning assets - - - 512.66M 484.77M
Other current assets -5.68M -34.55M 413.65M 499.80M 481.08M
Total liab 2247.86M 2202.29M 1759.08M 1368.63M 1318.10M
Total stockholder equity 174.66M 247.84M 245.02M 228.13M 219.74M
Other current liab -78.61M -40.04M -31.21M -30.19M 1282.30M
Common stock 61.49M 66.82M 79.42M 89.38M 103.85M
Capital stock 61.49M 66.82M 79.42M 89.38M 103.85M
Retained earnings 194.40M 173.39M 150.75M 135.93M 120.29M
Other liab 20.37M 31.88M 22.26M 19.59M 20.51M
Good will 53.78M 53.78M 53.78M 53.78M 53.78M
Other assets 643.34M -34.55M 413.65M 499.80M 2073.83M
Cash 31.17M 163.47M 70.28M 52.57M 31.68M
Total current liabilities 78.61M 40.04M 31.21M 30.19M 30.64M
Net debt 84.43M -124.01M -65.12M -47.42M -16.52M
Short term debt 46.00M 1109.21M 710.09M 0.00M 10.00M
Short long term debt 46.00M - - 0.00M 10.00M
Short long term debt total 115.60M 39.45M 5.16M 5.16M 15.15M
Other stockholder equity -81.23M 7.63M 14.86M 2.82M -4.41M
Property plant equipment 7.99M 8.38M 8.23M 7.62M 8.48M
Total current assets 756.86M 1305.38M 809.53M 555.47M 1001.84M
Long term investments 960.49M 1116.62M 1807.16M 1412.47M 1380.75M
Net tangible assets 120.81M 193.55M 190.06M 172.47M 163.39M
Short term investments 648.83M 1109.21M 710.09M 470.75M 463.90M
Net receivables 76.86M 32.71M 29.16M 32.15M 25.18M
Long term debt 69.60M 39.45M 5.16M 5.16M 5.16M
Accounts payable 32.61M 40.04M 31.21M 30.19M 20.64M
Accumulated other comprehensive income -81.23M 7.63M 14.86M 2.82M -4.41M
Common stock total equity 61.49M 66.82M 79.42M 89.38M 103.85M
Retained earnings total equity 194.40M 173.39M 150.75M 135.93M 120.29M
Non currrent assets other -1022.32M -1179.30M -780.91M -541.49M 506.21M
Non current assets total 1022.32M 1179.30M 780.91M 541.49M 535.99M
Capital lease obligations - - 8.88M - -
Long term debt total 69.60M 39.45M 5.16M 5.16M 5.16M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -197.25M -354.10M -374.36M -19.05M 36.87M
Change to liabilities -7.15M 8.99M 1.17M 9.64M -0.60M
Total cashflows from investing activities -197.60M -365.14M -372.61M -20.93M 39.03M
Net borrowings 76.00M 34.30M 34.30M -12.87M -9.71M
Total cash from financing activities 41.10M 415.47M 373.32M 20.05M -137.60M
Change to operating activities -8.56M 11.63M -3.51M 8.84M -1.06M
Net income 26.64M 28.40M 20.35M 21.44M 21.29M
Change in cash -132.30M 93.19M 17.70M 20.85M -68.66M
Begin period cash flow 163.47M 70.28M 52.57M 31.73M 100.38M
End period cash flow 31.17M 163.47M 70.28M 52.57M 31.73M
Total cash from operating activities 24.19M 42.85M 16.99M 21.72M 29.91M
Depreciation 10.42M 9.00M 5.50M 6.31M 8.16M
Other cashflows from investing activities 0.01M -9.99M 3.24M -1.00M 2.95M
Dividends paid -5.64M -5.76M -5.53M -5.80M 4.27M
Change to account receivables -7.08M -2.05M -1.13M -9.52M 3.22M
Sale purchase of stock -6.81M -13.62M -11.05M -15.62M -0.89M
Other cashflows from financing activities 2459.89M 434.85M 389.90M 779.85M 445.77M
Change to netincome 1.58M -3.06M -2.28M -5.15M -1.03M
Capital expenditures 0.36M 1.05M 1.49M 0.88M 0.79M
Change receivables -7.08M -2.05M -1.13M -9.52M 3.22M
Cash flows other operating -0.21M 1.58M -6.62M - -0.46M
Cash and cash equivalents changes -132.30M 93.19M 17.70M 20.85M -68.66M
Change in working capital -14.23M 6.94M 0.04M 0.12M 2.62M
Stock based compensation 0.50M 0.41M 0.47M 0.56M 0.48M
Other non cash items 0.65M -3.35M -8.32M -6.11M -3.04M
Free cash flow 23.83M 41.81M 15.50M 20.84M 29.12M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
DBSDY
DBS Group Holdings Ltd ADR
0.10
0.04%
231.96 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H
-
-%
6.10 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd
0.46
1.40%
33.25 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA
-0.38
0.47%
80.27 11.53 10.27 5.72 1.83

Profile*

Central Valley Community Bancorp

Central Valley Community Bancorp operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in the central valley area of California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. It also provides products, such as commercial and industrial loans, as well as loans secured by crop production and livestock; owner occupied and investor commercial real estate, real estate construction and other land, agricultural real estate, and other real estate loans; and equity loans and lines of credit, and installment and other consumer loans. In addition, the company offers domestic and international wire transfer, safe deposit box, Internet banking, inquiry, account status, bill paying, account transfers, and cash management and other customary banking services. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.

7100 North Financial Drive, Fresno, CA, United States, 93720

559 298 1775

248

Name Title Year Born
Mr. James J. Kim Pres, CEO & Director 1976
Mr. Blaine C. Lauhon Exec. VP & Chief Banking Officer of Central Valley Community Bank 1963
Mr. Anthony Kenneth Ramos Exec. VP & Market Exec. 1966
Mr. Patrick A. Luis Exec. VP & Chief Credit Officer NA
Mr. Steven D. McDonald Sec. & Independent Director 1950
Ms. Dawn P. Crusinberry Interim Exec. VP & CFO NA
Ms. Teresa Gilio Exec. VP & Chief Admin. Officer 1963
Ms. Debbie Nalchajian-Cohen Marketing Director NA
Djo Mwamba Sr. VP of Market Mang. NA
Mr. Jeff M. Martin Exec. VP & Market Exec. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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