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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 16.53
CVCY's Cash to Debt is ranked higher than
67% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. CVCY: 16.53 )
Ranked among companies with meaningful Cash to Debt only.
CVCY' s 10-Year Cash to Debt Range
Min: 0.4  Med: 3.55 Max: No Debt
Current: 16.53
Equity to Asset 0.11
CVCY's Equity to Asset is ranked higher than
61% of the 1319 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.11 Max: 0.14
Current: 0.11
0.08
0.14
Interest Coverage 4.09
CVCY's Interest Coverage is ranked higher than
75% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CVCY: 4.09 )
Ranked among companies with meaningful Interest Coverage only.
CVCY' s 10-Year Interest Coverage Range
Min: 0.29  Med: 1.56 Max: 6.93
Current: 4.09
0.29
6.93
F-Score: 4
WACC vs ROIC
6.07%
8.50%
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 (%) 9.32
CVCY's Operating margin (%) is ranked lower than
87% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. CVCY: 9.32 )
Ranked among companies with meaningful Operating margin (%) only.
CVCY' s 10-Year Operating margin (%) Range
Min: -136.25  Med: 24.45 Max: 36.19
Current: 9.32
-136.25
36.19
Net-margin (%) 10.63
CVCY's Net-margin (%) is ranked lower than
81% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. CVCY: 10.63 )
Ranked among companies with meaningful Net-margin (%) only.
CVCY' s 10-Year Net-margin (%) Range
Min: 6.48  Med: 17.33 Max: 23.39
Current: 10.63
6.48
23.39
ROE (%) 3.92
CVCY's ROE (%) is ranked lower than
80% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. CVCY: 3.92 )
Ranked among companies with meaningful ROE (%) only.
CVCY' s 10-Year ROE (%) Range
Min: 3.11  Med: 10.14 Max: 16.99
Current: 3.92
3.11
16.99
ROA (%) 0.44
CVCY's ROA (%) is ranked lower than
74% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CVCY: 0.44 )
Ranked among companies with meaningful ROA (%) only.
CVCY' s 10-Year ROA (%) Range
Min: 0.34  Med: 0.95 Max: 1.42
Current: 0.44
0.34
1.42
ROC (Joel Greenblatt) (%) 43.95
CVCY's ROC (Joel Greenblatt) (%) is ranked lower than
67% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. CVCY: 43.95 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CVCY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 28.48  Med: 141.91 Max: 333.14
Current: 43.95
28.48
333.14
Revenue Growth (3Y)(%) 3.50
CVCY's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CVCY: 3.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CVCY' s 10-Year Revenue Growth (3Y)(%) Range
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
74% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CVCY: -2.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CVCY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -36.4  Med: 7.85 Max: 57.6
Current: -2.5
-36.4
57.6
EPS Growth (3Y)(%) -8.70
CVCY's EPS Growth (3Y)(%) is ranked lower than
82% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CVCY: -8.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CVCY' s 10-Year EPS Growth (3Y)(%) Range
Min: -36  Med: 15.70 Max: 53.9
Current: -8.7
-36
53.9
» CVCY's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 24.87
CVCY's P/E(ttm) is ranked lower than
85% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CVCY: 24.87 )
Ranked among companies with meaningful P/E(ttm) only.
CVCY' s 10-Year P/E(ttm) Range
Min: 5.66  Med: 13.95 Max: 31.66
Current: 24.87
5.66
31.66
Forward P/E 12.25
CVCY's Forward P/E is ranked lower than
55% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. CVCY: 12.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 26.10
CVCY's PE(NRI) is ranked lower than
86% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. CVCY: 26.10 )
Ranked among companies with meaningful PE(NRI) only.
CVCY' s 10-Year PE(NRI) Range
Min: 5.7  Med: 13.93 Max: 32.04
Current: 26.1
5.7
32.04
P/B 0.92
CVCY's P/B is ranked higher than
62% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CVCY: 0.92 )
Ranked among companies with meaningful P/B only.
CVCY' s 10-Year P/B Range
Min: 0.36  Med: 0.91 Max: 2.41
Current: 0.92
0.36
2.41
P/S 2.56
CVCY's P/S is ranked higher than
58% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. CVCY: 2.56 )
Ranked among companies with meaningful P/S only.
CVCY' s 10-Year P/S Range
Min: 0.94  Med: 2.38 Max: 4.26
Current: 2.56
0.94
4.26
PFCF 7.21
CVCY's PFCF is ranked higher than
64% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. CVCY: 7.21 )
Ranked among companies with meaningful PFCF only.
CVCY' s 10-Year PFCF Range
Min: 1.9  Med: 8.02 Max: 137.38
Current: 7.21
1.9
137.38
POCF 6.73
CVCY's POCF is ranked higher than
63% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. CVCY: 6.73 )
Ranked among companies with meaningful POCF only.
CVCY' s 10-Year POCF Range
Min: 2.44  Med: 7.08 Max: 57.84
Current: 6.73
2.44
57.84
EV-to-EBIT 10.91
CVCY's EV-to-EBIT is ranked higher than
67% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. CVCY: 10.91 )
Ranked among companies with meaningful EV-to-EBIT only.
CVCY' s 10-Year EV-to-EBIT Range
Min: -8.6  Med: 7.70 Max: 23.6
Current: 10.91
-8.6
23.6
PEG 0.95
CVCY's PEG is ranked higher than
57% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. CVCY: 0.95 )
Ranked among companies with meaningful PEG only.
CVCY' s 10-Year PEG Range
Min: 0.29  Med: 0.68 Max: 47.53
Current: 0.95
0.29
47.53
Shiller P/E 20.07
CVCY's Shiller P/E is ranked lower than
66% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. CVCY: 20.07 )
Ranked among companies with meaningful Shiller P/E only.
CVCY' s 10-Year Shiller P/E Range
Min: 5.08  Med: 11.78 Max: 21.77
Current: 20.07
5.08
21.77
Days Sales Outstanding 128.23
CVCY's Days Sales Outstanding is ranked lower than
81% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. CVCY: 128.23 )
Ranked among companies with meaningful Days Sales Outstanding only.
CVCY' s 10-Year Days Sales Outstanding Range
Min: 26.25  Med: 145.77 Max: 543.95
Current: 128.23
26.25
543.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.86
CVCY's Dividend Yield is ranked lower than
69% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. CVCY: 1.86 )
Ranked among companies with meaningful Dividend Yield only.
CVCY' s 10-Year Dividend Yield Range
Min: 0.57  Med: 1.54 Max: 2.22
Current: 1.86
0.57
2.22
Dividend Payout 0.32
CVCY's Dividend Payout is ranked higher than
52% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CVCY: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
CVCY' s 10-Year Dividend Payout Range
Min: 0.19  Med: 0.26 Max: 0.48
Current: 0.32
0.19
0.48
Yield on cost (5-Year) 1.86
CVCY's Yield on cost (5-Year) is ranked lower than
73% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. CVCY: 1.86 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CVCY' s 10-Year Yield on cost (5-Year) Range
Min: 0.57  Med: 1.54 Max: 2.22
Current: 1.86
0.57
2.22
Share Buyback Rate -4.90
CVCY's Share Buyback Rate is ranked lower than
67% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CVCY: -4.90 )
Ranked among companies with meaningful Share Buyback Rate only.
CVCY' s 10-Year Share Buyback Rate Range
Min: -0.2  Med: -4.50 Max: -13.8
Current: -4.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
CVCY's Price/Tangible Book is ranked lower than
54% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CVCY: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
CVCY' s 10-Year Price/Tangible Book Range
Min: 0.68  Med: 1.29 Max: 2.85
Current: 1.2
0.68
2.85
Price/Projected FCF 0.53
CVCY's Price/Projected FCF is ranked higher than
65% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CVCY: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
CVCY' s 10-Year Price/Projected FCF Range
Min: 0.28  Med: 0.49 Max: 1.11
Current: 0.53
0.28
1.11
Price/Median PS Value 1.07
CVCY's Price/Median PS Value is ranked lower than
53% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CVCY: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
CVCY' s 10-Year Price/Median PS Value Range
Min: 0.41  Med: 1.08 Max: 2.38
Current: 1.07
0.41
2.38
Price/Peter Lynch Fair Value 1.00
CVCY's Price/Peter Lynch Fair Value is ranked lower than
55% of the 348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CVCY: 1.00 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CVCY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.46  Med: 0.65 Max: 3.7
Current: 1
0.46
3.7
Price/Graham Number 1.13
CVCY's Price/Graham Number is ranked lower than
76% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CVCY: 1.13 )
Ranked among companies with meaningful Price/Graham Number only.
CVCY' s 10-Year Price/Graham Number Range
Min: 0.44  Med: 0.89 Max: 1.49
Current: 1.13
0.44
1.49
Earnings Yield (Greenblatt) (%) 10.36
CVCY's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CVCY: 10.36 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CVCY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.2  Med: 12.40 Max: 107.1
Current: 10.36
4.2
107.1
Forward Rate of Return (Yacktman) (%) 38.36
CVCY's Forward Rate of Return (Yacktman) (%) is ranked higher than
85% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. CVCY: 38.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CVCY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -13.3  Med: 19.60 Max: 53.8
Current: 38.36
-13.3
53.8

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
comment on CVCY Apr 03 2012 
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 

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