CYSM (Community Bancorp Ofnta Maria) Retained Earnings: $29.83 Mil (As of Jun. 2026)

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CYSM Community Bancorp Of Santa Maria CYSM
54 GF Score
Price $20.55
GF Value $13.11
Valuation Significantly Overvalued
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What is Community Bancorp Ofnta Maria Retained Earnings?

Community Bancorp Ofnta Maria CYSM +1.23% 54 Retained Earnings is $29.83 Mil as of Jun. 2026. GuruFocus rates CYSM with a GF Score™ of 54/100 and a GF Value™ of $13.11 (Significantly Overvalued).

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Community Bancorp Ofnta Maria's retained earnings for the quarter that ended in Jun. 2026 was $29.83 Mil.

Community Bancorp Ofnta Maria's quarterly retained earnings increased from Dec. 2025 ($28.38 Mil) to Mar. 2026 ($29.41 Mil) and increased from Mar. 2026 ($29.41 Mil) to Jun. 2026 ($29.83 Mil).

Community Bancorp Ofnta Maria's annual retained earnings increased from Dec. 2023 ($22.17 Mil) to Dec. 2024 ($24.94 Mil) and increased from Dec. 2024 ($24.94 Mil) to Dec. 2025 ($28.38 Mil).


Community Bancorp Ofnta Maria  (OTCPK:CYSM) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Community Bancorp Ofnta Maria Retained Earnings Historical Data

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The historical data trend for Community Bancorp Ofnta Maria's Retained Earnings can be seen below:

* 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.

Community Bancorp Ofnta Maria Retained Earnings Chart

Community Bancorp Ofnta Maria Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.62 18.79 22.17 24.94 28.38

Community Bancorp Ofnta Maria Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 26.15 27.25 28.38 29.41 29.83
CYSM
54GF Score
Community Bancorp Of Santa Maria CYSM
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Bancorp Ofnta Maria Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $29.83 Mil mean?
Community Bancorp Ofnta Maria (CYSM) has a Retained Earnings of $29.83 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Community Bancorp Ofnta Maria and its competitors.
Is Community Bancorp Ofnta Maria's Retained Earnings too high?
Community Bancorp Ofnta Maria's current Retained Earnings is $29.83 Mil. Overall, Community Bancorp Ofnta Maria has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bancorp Ofnta Maria's Retained Earnings compare to SOUB and TMAK?
Community Bancorp Ofnta Maria's Retained Earnings of $29.83 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Community Bancorp Ofnta Maria and its competitors. Community Bancorp Ofnta Maria's current Retained Earnings is $29.83 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Bancorp Ofnta Maria stock overvalued right now?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria (CYSM) is currently considered Significantly Overvalued. The stock's GF Value™ is $13.11, compared to a current price of $20.55 — trading 56.8% above its estimated fair value. The current Retained Earnings is $29.83 Mil. Community Bancorp Ofnta Maria's overall GF Score™ is 54/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Community Bancorp Ofnta Maria (CYSM), the current Retained Earnings is $29.83 Mil 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 Community Bancorp Ofnta Maria (CYSM) Overvalued in 2026?

Based on GuruFocus' analysis, Community Bancorp Ofnta Maria stock appears to be overvalued. The current stock price of $20.55 is trading 56.8% above its estimated GF Value™ of $13.11. GuruFocus considers Community Bancorp Ofnta Maria to be Significantly Overvalued.

Key valuation signals for CYSM:

  • Retained Earnings: $29.83 Mil
  • GF Value™: $13.11 vs. price of $20.55 (56.8% above fair value)
  • GF Score™: 54/100

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


Community Bancorp Ofnta Maria Business Description

Address 2739 Santa Maria Way, Santa Maria, CA, USA, 93455
Community Bancorp Of Santa Maria Community Bancorp of Santa Maria is the holding company for Community Bank of Santa Maria. The bank provides banking products and services. It offers a full range of commercial and personal banking services to businesses and residents of Santa Maria and the surrounding areas. Community Bancorp has been organized as a single operating segment. Its primary source of revenue is providing loans to customers, who are predominantly small and middle-market businesses and individuals.
54GF Score

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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.55
Price
$13.11
GF Value