Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 18.30
CVCY's Cash to Debt is ranked higher than
61% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CVCY: 18.30 )
Ranked among companies with meaningful Cash to Debt only.
CVCY' s Cash to Debt Range Over the Past 10 Years
Min: 0.4  Med: 3.99 Max: No Debt
Current: 18.3
Equity to Asset 0.11
CVCY's Equity to Asset is ranked higher than
62% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CVCY: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
CVCY' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.14
Current: 0.11
0.08
0.14
Interest Coverage 12.94
CVCY's Interest Coverage is ranked higher than
92% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CVCY: 12.94 )
Ranked among companies with meaningful Interest Coverage only.
CVCY' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 1.92 Max: 6.93
Current: 12.94
0.29
6.93
F-Score: 4
WACC vs ROIC
2.93%
19.04%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 27.01
CVCY's Operating margin (%) is ranked lower than
61% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CVCY: 27.01 )
Ranked among companies with meaningful Operating margin (%) only.
CVCY' s Operating margin (%) Range Over the Past 10 Years
Min: 4.79  Med: 24.01 Max: 36.19
Current: 27.01
4.79
36.19
Net-margin (%) 21.86
CVCY's Net-margin (%) is ranked lower than
52% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CVCY: 21.86 )
Ranked among companies with meaningful Net-margin (%) only.
CVCY' s Net-margin (%) Range Over the Past 10 Years
Min: 6.48  Med: 18.63 Max: 23.39
Current: 21.86
6.48
23.39
ROE (%) 8.11
CVCY's ROE (%) is ranked higher than
51% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CVCY: 8.11 )
Ranked among companies with meaningful ROE (%) only.
CVCY' s ROE (%) Range Over the Past 10 Years
Min: 2.67  Med: 6.51 Max: 16.99
Current: 8.11
2.67
16.99
ROA (%) 0.90
CVCY's ROA (%) is ranked higher than
54% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CVCY: 0.90 )
Ranked among companies with meaningful ROA (%) only.
CVCY' s ROA (%) Range Over the Past 10 Years
Min: 0.34  Med: 0.82 Max: 1.42
Current: 0.9
0.34
1.42
Revenue Growth (3Y)(%) 3.50
CVCY's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CVCY: 3.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CVCY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.9  Med: 4.50 Max: 52.9
Current: 3.5
-8.9
52.9
EBITDA Growth (3Y)(%) -2.50
CVCY's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CVCY: -2.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CVCY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.4  Med: 7.85 Max: 57.6
Current: -2.5
-36.4
57.6
EPS Growth (3Y)(%) -8.50
CVCY's EPS Growth (3Y)(%) is ranked lower than
75% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CVCY: -8.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CVCY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.7  Med: 15.50 Max: 54.6
Current: -8.5
-35.7
54.6
» CVCY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with CVCY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 22.98
CVCY's P/E(ttm) is ranked lower than
86% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. CVCY: 22.98 )
Ranked among companies with meaningful P/E(ttm) only.
CVCY' s P/E(ttm) Range Over the Past 10 Years
Min: 5.7  Med: 13.89 Max: 32.04
Current: 22.98
5.7
32.04
Forward P/E 10.44
CVCY's Forward P/E is ranked lower than
63% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. CVCY: 10.44 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.57
CVCY's PE(NRI) is ranked lower than
84% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. CVCY: 22.57 )
Ranked among companies with meaningful PE(NRI) only.
CVCY' s PE(NRI) Range Over the Past 10 Years
Min: 5.7  Med: 14.02 Max: 32.04
Current: 22.57
5.7
32.04
P/B 0.92
CVCY's P/B is ranked higher than
56% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CVCY: 0.92 )
Ranked among companies with meaningful P/B only.
CVCY' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 0.90 Max: 2.41
Current: 0.92
0.36
2.41
P/S 2.60
CVCY's P/S is ranked lower than
52% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. CVCY: 2.60 )
Ranked among companies with meaningful P/S only.
CVCY' s P/S Range Over the Past 10 Years
Min: 0.92  Med: 2.40 Max: 4.22
Current: 2.6
0.92
4.22
PFCF 7.14
CVCY's PFCF is ranked higher than
54% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. CVCY: 7.14 )
Ranked among companies with meaningful PFCF only.
CVCY' s PFCF Range Over the Past 10 Years
Min: 1.79  Med: 7.56 Max: 137.38
Current: 7.14
1.79
137.38
POCF 6.79
CVCY's POCF is ranked higher than
51% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. CVCY: 6.79 )
Ranked among companies with meaningful POCF only.
CVCY' s POCF Range Over the Past 10 Years
Min: 2.44  Med: 6.85 Max: 57.84
Current: 6.79
2.44
57.84
EV-to-EBIT 11.26
CVCY's EV-to-EBIT is ranked higher than
56% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. CVCY: 11.26 )
Ranked among companies with meaningful EV-to-EBIT only.
CVCY' s EV-to-EBIT Range Over the Past 10 Years
Min: -8.8  Med: 7.75 Max: 23.6
Current: 11.26
-8.8
23.6
EV-to-EBITDA 3.85
CVCY's EV-to-EBITDA is ranked higher than
92% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. CVCY: 3.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
CVCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.1  Med: 4.65 Max: 11
Current: 3.85
-4.1
11
PEG 0.79
CVCY's PEG is ranked higher than
57% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CVCY: 0.79 )
Ranked among companies with meaningful PEG only.
CVCY' s PEG Range Over the Past 10 Years
Min: 0.32  Med: 0.69 Max: 14.51
Current: 0.79
0.32
14.51
Shiller P/E 15.34
CVCY's Shiller P/E is ranked lower than
51% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. CVCY: 15.34 )
Ranked among companies with meaningful Shiller P/E only.
CVCY' s Shiller P/E Range Over the Past 10 Years
Min: 6.97  Med: 11.58 Max: 16.45
Current: 15.34
6.97
16.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.04
CVCY's Dividend Yield is ranked lower than
67% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CVCY: 2.04 )
Ranked among companies with meaningful Dividend Yield only.
CVCY' s Dividend Yield Range Over the Past 10 Years
Min: 0.57  Med: 1.50 Max: 2.22
Current: 2.04
0.57
2.22
Dividend Payout 0.33
CVCY's Dividend Payout is ranked higher than
52% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CVCY: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
CVCY' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.25 Max: 0.48
Current: 0.33
0.19
0.48
Forward Dividend Yield 2.04
CVCY's Forward Dividend Yield is ranked lower than
72% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CVCY: 2.04 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.04
CVCY's Yield on cost (5-Year) is ranked lower than
69% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CVCY: 2.04 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CVCY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.57  Med: 1.50 Max: 2.22
Current: 2.04
0.57
2.22
3-Year Average Share Buyback Ratio -4.90
CVCY's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CVCY: -4.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CVCY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13.8  Med: -4.50 Max: -0.2
Current: -4.9
-13.8
-0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.19
CVCY's Price/Tangible Book is ranked lower than
58% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CVCY: 1.19 )
Ranked among companies with meaningful Price/Tangible Book only.
CVCY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.68  Med: 1.27 Max: 2.85
Current: 1.19
0.68
2.85
Price/Projected FCF 0.54
CVCY's Price/Projected FCF is ranked higher than
61% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CVCY: 0.54 )
Ranked among companies with meaningful Price/Projected FCF only.
CVCY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.52 Max: 1.16
Current: 0.54
0.28
1.16
Price/Median PS Value 1.08
CVCY's Price/Median PS Value is ranked lower than
71% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CVCY: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
CVCY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.41  Med: 1.10 Max: 2.37
Current: 1.08
0.41
2.37
Price/Peter Lynch Fair Value 1.39
CVCY's Price/Peter Lynch Fair Value is ranked lower than
78% of the 634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CVCY: 1.39 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CVCY' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.47  Med: 0.69 Max: 3.7
Current: 1.39
0.47
3.7
Price/Graham Number 0.79
CVCY's Price/Graham Number is ranked lower than
52% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CVCY: 0.79 )
Ranked among companies with meaningful Price/Graham Number only.
CVCY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.45  Med: 0.90 Max: 1.48
Current: 0.79
0.45
1.48
Earnings Yield (Greenblatt) (%) 8.90
CVCY's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CVCY: 8.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CVCY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.2  Med: 12.40 Max: 544.9
Current: 8.9
4.2
544.9
Forward Rate of Return (Yacktman) (%) 28.90
CVCY's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CVCY: 28.90 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CVCY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -11.1  Med: 23.90 Max: 50
Current: 28.9
-11.1
50

More Statistics

Revenue(Mil) $50
EPS $ 0.99
Beta0.05
Short Percentage of Float0.14%
52-Week Range $9.45 - 12.50
Shares Outstanding(Mil)10.99

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 55 60
EPS($) 1.03 1.13
EPS without NRI($) 1.03 1.13

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Central Valley Community Bancorp was incorporated on 7 February , 2000 as a California corporation, for the purpose of becoming the holding company for Central Valley Community Bank (the Bank), formerly known as Clovis Community Bank, a California state chartered bank, through a corporate reorganization. The Company is engaged in providing financial services through its subsidiary, Central Valley Community Bank in its main market area in California. The Company serves seven contiguous counties in California's central valley including Fresno County, Madera County, Merced County, Sacramento County, San Joaquin County, Stanislaus County, and Tulare County, and their surrounding areas through the Bank. The Company do not conduct any operations other than through the Bank. The Bank operates 21 full-service banking offices in Clovis, Exeter, Fresno, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Sacramento, Stockton, Tracy, and Visalia. The Bank conducts a commercial banking business, which includes accepting demand, savings and time deposits and making commercial, real estate and consumer loans. It also provides domestic and international wire transfer services and provides safe deposit boxes and other customary banking services. The Bank also has offered Internet banking since 2000. Internet banking consists of inquiry, account status, bill paying, account transfers, and cash management. The Bank does not offer trust services or international banking services. The Company is subject to extensive regulation, supervision and examination by federal and state banking authorities.
» More Articles for CVCY

Headlines

Articles On GuruFocus.com
Central Valley Community Bancorp Reports Operating Results (10-K) Mar 17 2011 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 2,386 Shares Feb 04 2011 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 2,386 Shares Feb 01 2011 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 7,500 Shares Jan 26 2011 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 1,000 Shares Jan 18 2011 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 6,374 Shares Jan 07 2011 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 3,266 Shares Jan 05 2011 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 6,170 Shares Dec 01 2010 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 1,852 Shares Nov 24 2010 
Central Valley Community Bancorp (CVCY) PRESIDENT & CEO Daniel J Doyle sells 4,500 Shares Nov 19 2010 

More From Other Websites
CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 8-K, Regulation FD Disclosure Feb 05 2016
Why Central Valley (CVCY) Stock Might be a Great Pick Feb 05 2016
Central Valley Community Bancorp Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
Central Valley Community Bancorp Declares Quarterly Cash Dividend Jan 27 2016
CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 27 2016
Central Valley Community Bancorp Declares Quarterly Cash Dividend Jan 27 2016
CVCY Reports Earnings Results for the Year and Quarter Ended December 31, 2015 Jan 26 2016
Central Valley Community Bancorp posts 4Q profit Jan 26 2016
Central Valley Community Bancorp posts 4Q profit Jan 26 2016
CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 26 2016
Central Valley Community Bancorp Reports Earnings Results for the Year and Quarter Ended December... Jan 26 2016
Central Valley Community Bancorp Reports Earnings Results for the Year and Quarter Ended December... Jan 26 2016
CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Jan 22 2016
Factors Moving Markets - Comprehensive Research on Big 5 Sporting Goods, MidSouth Bancorp, Farmland... Jan 11 2016
How Central Valley Community (CVCY) Stock Stands Out in a Strong Industry Dec 16 2015
CENTRAL VALLEY COMMUNITY BANCORP Financials Dec 08 2015
CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 10-Q, Quarterly Report Nov 04 2015
CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Nov 02 2015
CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 22 2015
Central Valley Community Bancorp Declares Quarterly Cash Dividend Oct 22 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK