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Cashmere Valley Bank has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Cashmere Valley Bank's interest coverage with the available data.
Cashmere Valley Bank's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.89.
Altman Z-Score does not apply to banks and insurance companies.
Cashmere Valley Bank (OTCPK:CSHX) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Cashmere Valley Bank has the Financial Strength Rank of 4.
Cashmere Valley Bank Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Cashmere Valley Bank has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Cashmere Valley Bank's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Cashmere Valley Bank (CSHX) has a Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Cashmere Valley Bank and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, Cashmere Valley Bank's Financial Strength has ranged from 4.00 to 7.00.
Is Cashmere Valley Bank's Financial Strength too high?
Cashmere Valley Bank's current Financial Strength of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 7.00. Overall, Cashmere Valley Bank has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cashmere Valley Bank's Financial Strength compare to COSO and VLNT?
Cashmere Valley Bank's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Cashmere Valley Bank's own Financial Strength has ranged from 4.00 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Cashmere Valley Bank and its competitors. Cashmere Valley Bank's current Financial Strength is 4, which is 20% below median its own 10-year median of 5.00. 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 $71.20, compared to a current price of $91.70 — trading 28.8% above its estimated fair value. The current Financial Strength is 4, which is 20% below median its 10-year median of 5.00. Cashmere Valley Bank's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Cashmere Valley Bank (CSHX), the current Financial Strength is 4 as of Jun. 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 $91.70 is trading 28.8% above its estimated GF Value™ of $71.20.
GuruFocus considers Cashmere Valley Bank to be Modestly Overvalued.
Key valuation signals for CSHX:
Financial Strength: 4 (20% below median its 10-year median of 5.00)
GF Value™: $71.20 vs. price of $91.70 (28.8% above fair value)
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 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.
61GF Score
Get the complete analysis for CSHX
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