CSHX (Cashmere Valley Bank) Margin of Safety % (DCF FCF Based): 19.81% (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CSHX Cashmere Valley Bank CSHX
64 GF Score
Price $89.20
GF Value $69.71
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Cashmere Valley Bank Margin of Safety % (DCF FCF Based)?

Cashmere Valley Bank CSHX -1.11% 64 Margin of Safety % (DCF FCF Based) is 19.81% as of Jul. 31, 2026. GuruFocus rates CSHX with a GF Score™ of 64/100 and a GF Value™ of $69.71 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-31), Cashmere Valley Bank's Predictability Rank is 3-Stars. Cashmere Valley Bank's intrinsic value calculated from the Discounted FCF model is $93.41 and current share price is $89.20. Consequently,

Cashmere Valley Bank's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 19.81%.


CSHX vs COSO, VLNT, BFCC: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Cashmere Valley Bank's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Cashmere Valley Bank Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Cashmere Valley Bank's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Cashmere Valley Bank's Margin of Safety % (DCF FCF Based) falls into.


CSHX
64GF Score
Cashmere Valley Bank CSHX
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Cashmere Valley Bank Margin of Safety % (DCF FCF Based) Calculation

Cashmere Valley Bank's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(111.24-89.20)/111.24
=19.81 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 19.81% mean?
Cashmere Valley Bank (CSHX) has a Margin of Safety % (DCF FCF Based) of 19.81% as of Jul. 31, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Cashmere Valley Bank.
Is Cashmere Valley Bank's Margin of Safety % (DCF FCF Based) too high?
Cashmere Valley Bank's current Margin of Safety % (DCF FCF Based) is 19.81%. Overall, Cashmere Valley Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cashmere Valley Bank's Margin of Safety % (DCF FCF Based) compare to COSO and VLNT?
Cashmere Valley Bank's Margin of Safety % (DCF FCF Based) of 19.81% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Cashmere Valley Bank. Cashmere Valley Bank's current Margin of Safety % (DCF FCF Based) is 19.81%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cashmere Valley Bank stock overvalued right now?
Based on GuruFocus' analysis, Cashmere Valley Bank (CSHX) is currently considered Modestly Overvalued. The stock's GF Value™ is $69.71, compared to a current price of $89.20 — trading 28% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 19.81%. Cashmere Valley Bank's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Cashmere Valley Bank (CSHX), the current Margin of Safety % (DCF FCF Based) is 19.81% as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Cashmere Valley Bank (CSHX) Overvalued in 2026?

Based on GuruFocus' analysis, Cashmere Valley Bank stock appears to be overvalued. The current stock price of $89.20 is trading 28% above its estimated GF Value™ of $69.71. GuruFocus considers Cashmere Valley Bank to be Modestly Overvalued.

Key valuation signals for CSHX:

  • Margin of Safety % (DCF FCF Based): 19.81%
  • GF Value™: $69.71 vs. price of $89.20 (28% above fair value)
  • GF Score™: 64/100 with 6 warning signs

No single metric tells the full story. See the CSHX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Cashmere Valley Bank Business Description

Address 117 Aplets Way, PO Box G, Cashmere, WA, USA, 98815
Cashmere Valley Bank is a state-chartered bank engaged in providing banking products and services. It mainly serves small and middle-market businesses and middle-income individuals in Washington. The company's lending and other banking activities are carried out in and around Chelan, Douglas, Kittitas, and Yakima counties and, to a lesser degree, other areas of Western Washington. It offers checking, savings, business, investment, and retirement savings, health savings, certificate of deposit, college savings accounts, loans, mortgages, electronic banking, investment and insurance services, and credit cards.
64GF Score

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$89.20
Price
$69.71
GF Value