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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 15.43
CVCY's Cash to Debt is ranked higher than
66% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CVCY: 15.43 )
Ranked among companies with meaningful Cash to Debt only.
CVCY' s Cash to Debt Range Over the Past 10 Years
Min: 0.4  Med: 4.65 Max: No Debt
Current: 15.43
Equity to Asset 0.12
CVCY's Equity to Asset is ranked higher than
70% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CVCY: 0.12 )
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: 0.12
0.08
0.14
Interest Coverage 19.31
CVCY's Interest Coverage is ranked higher than
92% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. CVCY: 19.31 )
Ranked among companies with meaningful Interest Coverage only.
CVCY' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 2.2 Max: 19.31
Current: 19.31
0.29
19.31
F-Score: 5
M-Score: -2.71
WACC vs ROIC
1.60%
22.62%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 38.72
CVCY's Operating margin (%) is ranked higher than
69% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. CVCY: 38.72 )
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: 38.72
Current: 38.72
4.79
38.72
Net-margin (%) 28.83
CVCY's Net-margin (%) is ranked higher than
69% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. CVCY: 28.83 )
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: 28.83
Current: 28.83
6.48
28.83
ROE (%) 10.44
CVCY's ROE (%) is ranked higher than
65% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. CVCY: 10.44 )
Ranked among companies with meaningful ROE (%) only.
CVCY' s ROE (%) Range Over the Past 10 Years
Min: 2.67  Med: 6.51 Max: 15.14
Current: 10.44
2.67
15.14
ROA (%) 1.18
CVCY's ROA (%) is ranked higher than
70% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CVCY: 1.18 )
Ranked among companies with meaningful ROA (%) only.
CVCY' s ROA (%) Range Over the Past 10 Years
Min: 0.34  Med: 0.82 Max: 1.41
Current: 1.18
0.34
1.41
Revenue Growth (3Y)(%) 5.60
CVCY's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. CVCY: 5.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CVCY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.9  Med: 4.75 Max: 53.1
Current: 5.6
-8.9
53.1
EBITDA Growth (3Y)(%) 4.20
CVCY's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CVCY: 4.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CVCY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.3  Med: 8.6 Max: 57.4
Current: 4.2
-36.3
57.4
EPS Growth (3Y)(%) 10.10
CVCY's EPS Growth (3Y)(%) is ranked higher than
60% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CVCY: 10.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CVCY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -36  Med: 14.3 Max: 54.6
Current: 10.1
-36
54.6
» CVCY's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-21)


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

» Details

Guru Trades

CVCY Guru Trades in

CVCY Guru Trades in

CVCY Guru Trades in

Q2 2016

CVCY Guru Trades in Q2 2016

Jim Simons 32,400 sh (New)
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Insider Trades

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:PMBC, NAS:PFBI, NAS:BYLK, NAS:BWFG, NAS:ORRF, NAS:LCNB, OTCPK:CSHX, NAS:CVLY, NAS:NRIM, OTCPK:JMSB, NAS:ACNB, OTCBB:CZFS, NAS:SFST, NAS:FFNW, NAS:VBTX, NAS:SONA, NAS:CFNB, NAS:FRBK, NAS:FCFP, NAS:UNB » details
Central Valley Community Bancorp is a bank holding company, which through its subsidiary provides financial services in its main market area in California. Its services include personal banking and business banking services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 11.42
CVCY's P/E(ttm) is ranked higher than
60% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. CVCY: 11.42 )
Ranked among companies with meaningful P/E(ttm) only.
CVCY' s P/E(ttm) Range Over the Past 10 Years
Min: 5.7  Med: 13.46 Max: 32.04
Current: 11.42
5.7
32.04
Forward P/E 12.90
CVCY's Forward P/E is ranked higher than
58% of the 370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. CVCY: 12.90 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.42
CVCY's PE(NRI) is ranked higher than
60% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. CVCY: 11.42 )
Ranked among companies with meaningful PE(NRI) only.
CVCY' s PE(NRI) Range Over the Past 10 Years
Min: 5.7  Med: 13.46 Max: 32.04
Current: 11.42
5.7
32.04
Price/Owner Earnings (ttm) 6.74
CVCY's Price/Owner Earnings (ttm) is ranked higher than
75% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. CVCY: 6.74 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CVCY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.69  Med: 8.9 Max: 3475
Current: 6.74
2.69
3475
P/B 1.09
CVCY's P/B is ranked lower than
53% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CVCY: 1.09 )
Ranked among companies with meaningful P/B only.
CVCY' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 0.9 Max: 2.41
Current: 1.09
0.36
2.41
P/S 3.30
CVCY's P/S is ranked lower than
57% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CVCY: 3.30 )
Ranked among companies with meaningful P/S only.
CVCY' s P/S Range Over the Past 10 Years
Min: 0.93  Med: 2.39 Max: 4.21
Current: 3.3
0.93
4.21
PFCF 11.21
CVCY's PFCF is ranked lower than
53% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. CVCY: 11.21 )
Ranked among companies with meaningful PFCF only.
CVCY' s PFCF Range Over the Past 10 Years
Min: 1.79  Med: 7.62 Max: 144.61
Current: 11.21
1.79
144.61
POCF 10.82
CVCY's POCF is ranked lower than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. CVCY: 10.82 )
Ranked among companies with meaningful POCF only.
CVCY' s POCF Range Over the Past 10 Years
Min: 2.43  Med: 6.88 Max: 60.05
Current: 10.82
2.43
60.05
EV-to-EBIT 4.83
CVCY's EV-to-EBIT is ranked higher than
85% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. CVCY: 4.83 )
Ranked among companies with meaningful EV-to-EBIT only.
CVCY' s EV-to-EBIT Range Over the Past 10 Years
Min: -8.8  Med: 7.4 Max: 23.6
Current: 4.83
-8.8
23.6
EV-to-EBITDA 3.30
CVCY's EV-to-EBITDA is ranked higher than
89% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CVCY: 3.30 )
Ranked among companies with meaningful EV-to-EBITDA only.
CVCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.1  Med: 3.8 Max: 11
Current: 3.3
-4.1
11
PEG 0.67
CVCY's PEG is ranked higher than
69% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CVCY: 0.67 )
Ranked among companies with meaningful PEG only.
CVCY' s PEG Range Over the Past 10 Years
Min: 0.32  Med: 0.7 Max: 4.44
Current: 0.67
0.32
4.44
Shiller P/E 19.39
CVCY's Shiller P/E is ranked lower than
57% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. CVCY: 19.39 )
Ranked among companies with meaningful Shiller P/E only.
CVCY' s Shiller P/E Range Over the Past 10 Years
Min: 6.97  Med: 12.83 Max: 19.39
Current: 19.39
6.97
19.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.56
CVCY's Dividend Yield is ranked lower than
78% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CVCY: 1.56 )
Ranked among companies with meaningful Dividend Yield only.
CVCY' s Dividend Yield Range Over the Past 10 Years
Min: 0.57  Med: 1.54 Max: 2.22
Current: 1.56
0.57
2.22
Dividend Payout 0.18
CVCY's Dividend Payout is ranked higher than
80% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CVCY: 0.18 )
Ranked among companies with meaningful Dividend Payout only.
CVCY' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.23 Max: 0.48
Current: 0.18
0.11
0.48
Dividend Growth (3y) 53.30
CVCY's Dividend Growth (3y) is ranked higher than
93% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. CVCY: 53.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CVCY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 53.3
Current: 53.3
0
53.3
Forward Dividend Yield 1.56
CVCY's Forward Dividend Yield is ranked lower than
83% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. CVCY: 1.56 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.54
CVCY's Yield on cost (5-Year) is ranked lower than
80% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. CVCY: 1.54 )
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: 1.54 Max: 2.22
Current: 1.54
0.57
2.22
3-Year Average Share Buyback Ratio -4.80
CVCY's 3-Year Average Share Buyback Ratio is ranked lower than
61% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CVCY: -4.80 )
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: -16.6  Med: -4.7 Max: 0.5
Current: -4.8
-16.6
0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
CVCY's Price/Tangible Book is ranked lower than
63% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CVCY: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
CVCY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.68  Med: 1.26 Max: 2.85
Current: 1.35
0.68
2.85
Price/Projected FCF 0.65
CVCY's Price/Projected FCF is ranked higher than
53% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CVCY: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
CVCY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.53 Max: 1.25
Current: 0.65
0.28
1.25
Price/Median PS Value 1.38
CVCY's Price/Median PS Value is ranked lower than
83% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CVCY: 1.38 )
Ranked among companies with meaningful Price/Median PS Value only.
CVCY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.4  Med: 1.1 Max: 2.36
Current: 1.38
0.4
2.36
Price/Peter Lynch Fair Value 1.34
CVCY's Price/Peter Lynch Fair Value is ranked lower than
70% of the 389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CVCY: 1.34 )
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: 0.82 Max: 3.7
Current: 1.34
0.47
3.7
Price/Graham Number 0.83
CVCY's Price/Graham Number is ranked higher than
52% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CVCY: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
CVCY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.45  Med: 0.89 Max: 1.48
Current: 0.83
0.45
1.48
Earnings Yield (Greenblatt) (%) 20.70
CVCY's Earnings Yield (Greenblatt) (%) is ranked higher than
88% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CVCY: 20.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CVCY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.2  Med: 13.1 Max: 544.9
Current: 20.7
4.2
544.9
Forward Rate of Return (Yacktman) (%) 17.31
CVCY's Forward Rate of Return (Yacktman) (%) is ranked higher than
63% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. CVCY: 17.31 )
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: -10.7  Med: 23 Max: 50.1
Current: 17.31
-10.7
50.1

More Statistics

Revenue (TTM) (Mil) $51.62
EPS (TTM) $ 1.35
Beta-0.07
Short Percentage of Float4.20%
52-Week Range $9.45 - 16.31
Shares Outstanding (Mil)11.08

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 57 67
EPS ($) 1.20 1.26
EPS w/o NRI ($) 1.20 1.26
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($) 0.24 0.24
» 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 

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CENTRAL VALLEY COMMUNITY BANCORP Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jul 25 2016
Central Valley Bancorp downgraded by Keefe Bruyette Jul 22 2016
Central Valley Community Bancorp Declares Quarterly Cash Dividend Jul 21 2016
Central Valley Community Bancorp posts 2Q profit Jul 20 2016
Central Valley Community Bancorp posts 2Q profit Jul 20 2016
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