CVCY - Central Valley Community Bancorp Stock Price, Fair Value and News

17.52USD-0.31 (-1.74%)Delayed

Market Summary

USD17.52-0.31

Delayed

-1.74%

CVCY Stock Price

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CVCY RSI Chart

CVCY Valuation

Market Cap

207.3M

Price/Earnings (Trailing)

8.12

Price/Sales (Trailing)

2.02

EV/EBITDA

1.32

Price/Free Cashflow

11.49

CVCY Price/Sales (Trailing)

CVCY Profitability

EBT Margin

33.04%

Return on Equity

12.33%

Return on Assets

1.05%

Free Cashflow Yield

8.71%

CVCY Fundamentals

CVCY Revenue

Revenue (TTM)

102.4M

Rev. Growth (Yr)

10.59%

Rev. Growth (Qtr)

-2.43%

CVCY Earnings

Earnings (TTM)

25.5M

Earnings Growth (Yr)

-22.78%

Earnings Growth (Qtr)

-7.76%

Breaking Down CVCY Revenue

Last 7 days

-1.5%

Last 30 days

-8.3%

Last 90 days

-10.4%

Trailing 12 Months

30.1%

How does CVCY drawdown profile look like?

CVCY Financial Health

CVCY Investor Care

Dividend Yield

2.74%

Dividend/Share (TTM)

0.48

Shares Dilution (1Y)

0.65%

Diluted EPS (TTM)

2.17

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	88.9M	94.5M	99.9M	102.4M
2022	74.2M	76.3M	78.8M	83.0M
2021	67.4M	69.7M	71.8M	73.9M
2020	66.5M	65.8M	65.3M	66.0M
2019	64.7M	65.7M	66.4M	66.3M
2018	59.5M	61.2M	63.7M	64.2M
2017	49.4M	52.0M	54.6M	57.4M
2016	42.7M	43.8M	44.5M	46.7M
2015	40.6M	40.7M	41.2M	41.8M
2014	38.1M	41.1M	40.3M	41.0M
2013	30.8M	30.0M	32.9M	34.8M
2012	34.1M	33.6M	32.9M	31.8M
2011	35.2M	34.8M	34.2M	34.3M
2010	0	39.2M	37.6M	36.0M
2009	0	0	0	40.7M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Central Valley Community Bancorp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 29, 2024	kim james j	bought	20,366	16.011	1,272	president & ceo
Feb 29, 2024	martin jeffrey michael	bought	2,737	16.011	171	executive vice president
Feb 29, 2024	avrett shannon r	bought	2,321	16.011	145	executive vice president
Feb 29, 2024	cagle dawn m	bought	2,513	16.011	157	executive vice president
Jan 17, 2024	kim james j	acquired	183,645	19.8	9,275	president & ceo
Nov 30, 2023	cagle dawn m	bought	1,541	13.401	115	executive vice president
Nov 30, 2023	martin jeffrey michael	bought	1,259	13.401	94.00	executive vice president
Aug 31, 2023	cagle dawn m	bought	1,315	13.158	100	executive vice president
Aug 31, 2023	avrett shannon r	bought	3,460	13.158	263	executive vice president
Aug 31, 2023	martin jeffrey michael	bought	1,092	13.158	83.00	executive vice president

Which funds bought or sold CVCY recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 25, 2024	Allworth Financial LP	unchanged	-	-4,699	37,990	-%
Apr 25, 2024	SIMPLEX TRADING, LLC	sold off	-100	-49,000	-	-%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-3.75	-230,764	1,378,340	-%
Apr 24, 2024	Spire Wealth Management	unchanged	-	-14.00	28,801	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.35	-12,000	7,000	-%
Apr 23, 2024	BFSG, LLC	unchanged	-	-10,632	85,965	0.01%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	44,661	121,137	-%
Apr 19, 2024	DENALI ADVISORS LLC	unchanged	-	-18,204	147,186	0.04%
Apr 19, 2024	CALDWELL SUTTER CAPITAL, INC.	unchanged	-	-49,306	398,655	0.19%
Apr 18, 2024	Bridgewealth Advisory Group, LLC	unchanged	-	-30,110	243,454	0.12%

Are Funds Buying or Selling CVCY?

Are funds buying CVCY calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CVCY

No. of Funds

Unveiling Central Valley Community Bancorp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	fourthstone llc	9.74%	1,150,657	SC 13G
Feb 09, 2024	dimensional fund advisors lp	4.6%	540,370	SC 13G/A
Feb 07, 2024	blackrock inc.	4.9%	584,856	SC 13G
Feb 02, 2024	private management group inc	4.50%	531,744	SC 13G/A
Jan 31, 2024	blackrock inc.	5.2%	610,314	SC 13G
Feb 10, 2023	dimensional fund advisors lp	5.1%	597,497	SC 13G
Feb 07, 2023	private management group inc	5.61%	658,031	SC 13G/A
Feb 06, 2023	cunningham daniel n	2.7%	315,483	SC 13G/A
Feb 11, 2022	elizabeth park capital advisors, ltd.	0.00%	0	SC 13G/A
Feb 08, 2022	cunningham daniel n	2.7%	321,217	SC 13G/A

Recent SEC filings of Central Valley Community Bancorp

View All Filings

Date Filed	Form Type	Document
Apr 29, 2024	ARS	ARS
Apr 26, 2024	DEF 14A	DEF 14A
Apr 18, 2024	8-K	Current Report
Apr 08, 2024	4	Insider Trading
Apr 08, 2024	4	Insider Trading
Apr 08, 2024	4	Insider Trading
Apr 08, 2024	4	Insider Trading
Apr 08, 2024	4	Insider Trading
Apr 08, 2024	4	Insider Trading
Apr 08, 2024	4	Insider Trading

Peers (Alternatives to Central Valley Community Bancorp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	556.7B	171.1B	-3.50%	39.81%	11.24	3.25	60.72%	31.52%
BAC	295.6B	130.3B	-0.98%	28.24%	11.15	2.27	79.51%	-3.68%
WFC	213.9B	85.7B	3.17%	50.44%	11.18	2.5	41.49%	39.96%
C	119.0B	133.3B	-1.55%	32.27%	12.9	0.89	79.09%	-
CFG	16.0B	10.2B	-3.61%	14.73%	9.98	1.57	44.53%	-22.43%
KEY	13.8B	7.9B	-6.83%	30.82%	14.22	1.74	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-6.49%	18.56%	9.93	1.63	34.68%	-45.96%
ZION	6.1B	3.9B	-4.79%	48.31%	9	1.55	45.91%	-25.03%
ABCB	3.3B	1.3B	0.25%	44.78%	12.44	2.61	43.24%	-22.35%
ASB	3.3B	2.0B	0.37%	21.09%	17.83	1.67	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.5M	164.9M	-8.20%	39.26%	33.82	2.4	42.66%	-70.76%
AROW	377.4M	162.6M	-8.87%	5.60%	12.55	2.32	25.39%	-38.37%
ACNB	274.3M	96.6M	-14.23%	6.33%	8.66	2.84	11.02%	-11.37%
ASRV	42.0M	60.9M	-5.77%	-17.79%	-12.56	0.69	24.06%	-144.92%

Central Valley Community Bancorp News

Latest updates

Central Valley Community Bancorp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	-2.4%	26.00	26.00	26.00	24.00	23.00	21.00	20.00	18.00	19.00	18.00	18.00	18.00	17.00	16.00	16.00	17.00	16.00	17.00	17.00	16.00	16.00
EBITDA Margin	-6.0%	1.14*	1.21*	1.27*	1.35*	1.38*	1.40*	1.43*	1.46*	1.50*	1.51*	1.48*	1.40*	1.39*	-	-	-	-	-	-	-	-
Interest Expenses	-2.0%	20.00	21.00	20.00	22.00	22.00	20.00	20.00	18.00	19.00	18.00	18.00	18.00	17.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00	16.00
Income Taxes	-14.1%	2.00	2.00	2.00	2.00	3.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	2.00	2.00	2.00	2.00	2.00	2.00
Earnings Before Taxes	-9.3%	8.00	8.00	8.00	9.00	10.00	8.00	8.00	8.00	9.00	9.00	10.00	10.00	9.00	6.00	3.00	9.00	6.00	8.00	8.00	7.00	7.00
EBT Margin	-9.4%	0.33*	0.36*	0.38*	0.41*	0.42*	0.43*	0.45*	0.49*	0.51*	0.53*	0.50*	0.42*	0.41*	-	-	-	-	-	-	-	-
Net Income	-7.8%	6.00	6.00	6.00	7.00	8.00	6.00	7.00	6.00	7.00	7.00	8.00	7.00	7.00	4.00	2.00	7.00	4.00	6.00	6.00	5.00	5.00
Net Income Margin	-8.6%	0.25*	0.27*	0.29*	0.31*	0.32*	0.33*	0.34*	0.36*	0.38*	0.40*	0.38*	0.31*	0.31*	-	-	-	-	-	-	-	-
Free Cashflow	-111.8%	-0.78	7.00	2.00	10.00	10.00	8.00	6.00	-0.64	11.00	4.00	21.00	6.00	9.00	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	-0.1%	2,433	2,435	2,490	2,464	2,423	2,426	2,354	2,423	2,450	2,348	2,281	2,201	2,004	1,951	1,914	1,619	1,597	1,584	1,613	1,564	1,538
Cash Equivalents	-28.0%	54.00	75.00	129	64.00	31.00	42.00	27.00	89.00	163	68.00	121	215	70.00	87.00	119	36.00	53.00	43.00	49.00	32.00	32.00
Net PPE	44.7%	14.00	10.00	11.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	7.00	7.00	7.00	8.00	8.00	8.00	8.00	8.00
Goodwill	0%	54.00	54.00	54.00	54.00	54.00	54.00	54.00	54.00	54.00	54.00	54.00	54.00	54.00	6.00	54.00	54.00	54.00	54.00	54.00	54.00	54.00
Liabilities	-1.2%	2,226	2,254	2,302	2,282	2,248	2,267	2,183	2,231	2,202	2,102	2,030	1,959	1,759	1,715	1,685	1,400	1,369	1,351	1,382	1,337	1,318
Short Term Borrowings	-	-	-	-	-	46.00	25.00	9.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	14.0%	207	182	187	182	175	159	170	192	248	247	251	242	245	236	229	219	228	233	232	227	220
Retained Earnings	2.2%	211	206	201	196	194	188	183	178	173	168	163	157	151	145	142	141	136	133	129	124	120
Shares Outstanding	0.0%	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	153	-	-	-	143	-	-	-	211	-	-	-	164	-	-	-	245	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-44.6%	4,415	7,963	4,942	10,532	10,250	8,420	6,159	-635	10,776	4,304	21,396	6,379	10,168	5,051	-4,160	5,931	5,001	7,044	2,774	6,902	7,668
Share Based Compensation	-0.6%	169	170	379	140	173	143	363	97.00	252	100	109	101	108	114	127	121	125	136	151	143	150
Cashflow From Investing	136.3%	3,343	-9,217	36,271	-6,203	-808	-71,635	-17,317	-107,836	-11,029	-127,737	-166,182	-60,189	-67,060	-66,978	-211,115	-27,454	-7,289	26,040	-29,091	-10,589	-37,972
Cashflow From Financing	45.9%	-28,605	-52,829	23,183	28,763	-19,850	77,560	-50,446	33,841	96,027	70,460	50,611	198,373	40,160	30,380	297,670	5,111	11,825	-38,650	42,685	4,195	14,724
Dividend Payments	0.1%	1,419	1,417	1,411	1,410	1,407	1,407	1,399	1,425	1,438	1,438	1,504	1,377	1,375	1,375	1,372	1,408	1,452	1,479	1,502	1,372	1,242
Buy Backs	-	-	-	1.00	-	-	-	2,328	4,486	1,619	7,158	4,842	-	-	-	-	11,052	5,420	3,873	4,452	1,874	894

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CVCY Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Interest and fees on loans	$ 69,803	$ 55,907	$ 54,077
Interest on deposits in other banks	3,576	391	129
Interest and dividends on investment securities:
Taxable	23,437	20,011	14,044
Exempt from Federal income taxes	5,602	6,679	5,606
Total interest income	102,418	82,988	73,856
Interest expense:
Interest on deposits	15,527	1,197	1,036
Interest on short-term borrowings	810	254	0
Total interest expense	19,989	3,422	1,302
Net interest income before provision (credit) for credit losses	82,429	79,566	72,554
Provision for Other Credit Losses	309	995	(4,435)
Provision (credit) for credit losses	478	479	516
Non-interest Expense, Personnel Other	404	323	374
Net interest income after provision (credit) for credit losses	82,120	78,571	76,989
Non-interest income:
Service charges	1,503	2,014	1,901
Appreciation in cash surrender value of bank owned life insurance	1,035	985	840
Interchange fees	1,780	1,847	1,784
Loan placement fees	584	899	1,974
Net realized (losses) gains on sales and calls of investment securities	(907)	(1,730)	501
Federal Home Loan Bank dividends	498	367	321
Gain (Loss) on Disposition of Other Assets	402	15	8
Other income	2,125	657	1,676
Total non-interest income	7,020	5,054	9,005
Non-interest expenses:
Salaries and employee benefits	31,367	28,917	28,720
Occupancy and equipment	5,726	5,131	4,882
Regulatory assessments	1,312	851	831
Data processing expense	2,621	2,245	2,394
Professional services	3,425	1,519	1,665
ATM/Debit card expenses	757	809	818
Information technology	3,616	3,344	2,868
Directors’ expenses	614	282	422
Advertising	542	557	527
Amortization of core deposit intangibles	68	454	661
Other expense	4,370	3,573	3,299
Total non-interest expenses	55,300	48,484	47,977
Income before provision for income taxes	33,840	35,141	38,017
Provision for income taxes	8,304	8,496	9,616
Net income	$ 25,536	$ 26,645	$ 28,401
Net income per common share:
Basic earnings per common share (in dollars per share)	$ 2.17	$ 2.27	$ 2.32
Diluted earnings per common share (in dollars per share)	2.17	2.27	2.31
Cash dividends per common share (in dollars per share)	$ 0.48	$ 0.48	$ 0.47
Interest on senior debt and subordinated debentures	$ 3,652	$ 1,971	$ 266

CVCY Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 30,017	$ 25,485
Interest-earning deposits in other banks	23,711	5,685
Total cash and cash equivalents	53,728	31,170
Available-for-sale debt securities, at fair value, net of allowance for credit losses of $0, with an amortized cost of $669,646 at December 31, 2023 and $740,468 at December 31, 2022	597,196	648,825
Equity securities, at fair value	6,649	6,558
Loans and Leases Receivable, Net Amount	1,276,144	1,245,456
Bank premises and equipment, net	14,042	7,987
Bank owned life insurance	41,572	40,537
Federal Home Loan Bank stock	7,136	6,169
Goodwill	53,777	53,777
Accrued interest receivable and other assets	80,740	76,933
Total assets	2,433,426	2,422,519
Deposits:
Non-interest bearing	951,541	1,056,567
Interest bearing	1,090,071	1,043,082
Total deposits	2,041,612	2,099,649
Senior debt and subordinated debentures, net	69,744	69,599
Accrued interest payable and other liabilities	35,006	32,611
Total liabilities	2,226,362	2,247,859
Commitments and contingencies (Note 11)
Shareholders’ equity:
Preferred stock, no par value; 10,000,000 shares authorized, none issued and outstanding	0	0
Common stock, no par value; 80,000,000 shares authorized; issued and outstanding: 11,818,039 at December 31, 2023 and 11,735,291 at December 31, 2022	62,550	61,487
Retained earnings	210,548	194,400
Accumulated other comprehensive loss, net of tax	(66,034)	(81,227)
Total shareholders’ equity	207,064	174,660
Total liabilities and shareholders’ equity	2,433,426	2,422,519
Allowance for credit losses	14,653	10,848
Investment securities not due at a single maturity date, amortized cost	302,442	305,107
Short-term borrowings	$ 80,000	$ 46,000

About 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.

CEO	Mr. James J. Kim
WEBSITE	cvcb.com
INDUSTRY	Banks Diversified
EMPLOYEES	246

Central Valley Community Bancorp Frequently Asked Questions

What is the ticker symbol for Central Valley Community Bancorp? What does CVCY stand for in stocks?

CVCY is the stock ticker symbol of Central Valley Community Bancorp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Central Valley Community Bancorp (CVCY)?

As of Mon Apr 29 2024, market cap of Central Valley Community Bancorp is 207.29 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CVCY stock?

You can check CVCY's fair value in chart for subscribers.

What is the fair value of CVCY stock?

You can check CVCY's fair value in chart for subscribers. The fair value of Central Valley Community Bancorp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Central Valley Community Bancorp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CVCY so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Central Valley Community Bancorp a good stock to buy?

The fair value guage provides a quick view whether CVCY is over valued or under valued. Whether Central Valley Community Bancorp is cheap or expensive depends on the assumptions which impact Central Valley Community Bancorp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CVCY.

What is Central Valley Community Bancorp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Mon Apr 29 2024, CVCY's PE ratio (Price to Earnings) is 8.12 and Price to Sales (PS) ratio is 2.02. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CVCY PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Central Valley Community Bancorp's stock?

In the past 10 years, Central Valley Community Bancorp has provided 0.062 (multiply by 100 for percentage) rate of return.