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Central Valley Community Bancorp

Financial Services US CVCY

NoneUSD
0.00(0%)

Last update at 2024-04-25T10:23:03.726162Z

Day Range

--
LowHigh

52 Week Range

12.4025.34
LowHigh

Fundamentals

  • Previous Close -
  • Market Cap261.94M
  • VolumeNone
  • P/E Ratio9.53
  • Dividend Yield2.17%
  • Revenue TTM89.05M
  • Revenue Per Share TTM7.60
  • Gross Profit TTM 83.62M
  • Diluted EPS TTM2.32

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

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
Minority interest - - - - -
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
Non operating income net other - - - - -
Operating income 38.56M 38.02M 27.26M 29.95M 29.39M
Other operating expenses -44.77300M -42.40400M -49.49000M -45.38900M 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
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
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 -44.77300M -42.40400M -49.49000M -45.38900M -41.96500M
Cost of revenue - - - - 0.20M
Total other income expense net -3.42200M -1.30200M -1.59500M -2.55900M -1.48400M
Discontinued operations - - - - -
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
Preferred stock and other adjustments - - - - -
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 -5.68500M -34.54900M 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
Deferred long term liab - - - - -
Other current liab -78.61100M -40.04300M -31.21000M -30.18700M 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 -34.54900M 413.65M 499.80M 2073.83M
Cash 31.17M 163.47M 70.28M 52.57M 31.68M
Cash and equivalents - - - - -
Total current liabilities 78.61M 40.04M 31.21M 30.19M 30.64M
Current deferred revenue - - - - -
Net debt 84.43M -124.01300M -65.12300M -47.41900M -16.52400M
Short term debt 46.00M 1109.21M 710.09M 0.00000M 10.00M
Short long term debt 46.00M - - 0.00000M 10.00M
Short long term debt total 115.60M 39.45M 5.16M 5.16M 15.15M
Other stockholder equity -81.22700M 7.63M 14.86M 2.82M -4.40700M
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
Inventory - - - - -
Accounts payable 32.61M 40.04M 31.21M 30.19M 20.64M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -81.22700M 7.63M 14.86M 2.82M -4.40700M
Additional paid in capital - - - - -
Common stock total equity 61.49M 66.82M 79.42M 89.38M 103.85M
Preferred stock total equity - - - - -
Retained earnings total equity 194.40M 173.39M 150.75M 135.93M 120.29M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -1022.32200M -1179.30300M -780.91400M -541.49100M 506.21M
Deferred long term asset charges - - - - -
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 -197.24900M -354.09700M -374.35600M -19.05300M 36.87M
Change to liabilities -7.15300M 8.99M 1.17M 9.64M -0.59900M
Total cashflows from investing activities -197.59600M -365.13700M -372.60700M -20.92900M 39.03M
Net borrowings 76.00M 34.30M 34.30M -12.87000M -9.70500M
Total cash from financing activities 41.10M 415.47M 373.32M 20.05M -137.60200M
Change to operating activities -8.56000M 11.63M -3.51300M 8.84M -1.06100M
Net income 26.64M 28.40M 20.35M 21.44M 21.29M
Change in cash -132.29700M 93.19M 17.70M 20.85M -68.65600M
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
Issuance of capital stock - - - - -
Depreciation 10.42M 9.00M 5.50M 6.31M 8.16M
Other cashflows from investing activities 0.01M -9.99100M 3.24M -1.00000M 2.95M
Dividends paid -5.63800M -5.75700M -5.53000M -5.80500M 4.27M
Change to inventory - - - - -
Change to account receivables -7.08200M -2.05200M -1.12800M -9.52100M 3.22M
Sale purchase of stock -6.81400M -13.61900M -11.05200M -15.61900M -0.89400M
Other cashflows from financing activities 2459.89M 434.85M 389.90M 779.85M 445.77M
Change to netincome 1.58M -3.06000M -2.27700M -5.15400M -1.03000M
Capital expenditures 0.36M 1.05M 1.49M 0.88M 0.79M
Change receivables -7.08200M -2.05200M -1.12800M -9.52100M 3.22M
Cash flows other operating -0.21200M 1.58M -6.62000M - -0.46200M
Exchange rate changes - - - - -
Cash and cash equivalents changes -132.29700M 93.19M 17.70M 20.85M -68.65600M
Change in working capital -14.23500M 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 -3.35200M -8.31600M -6.11400M -3.04200M
Free cash flow 23.83M 41.81M 15.50M 20.84M 29.12M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
CVCY
Central Valley Community Bancorp		 - -% - 9.53 8.66 2.93 1.44
HDB
HDFC Bank Limited ADR		 0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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.

Central Valley Community Bancorp

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

Key Executives

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

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