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Central Valley Community Bancorp CVCY NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Central Valley Community Bancorp (CVCY) is a Banks - Regional company in the Financial Services sector, currently trading at $19.89. It has a SharesGrow Score of 63/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $186M, -46.5%/yr average growth. Net income is $38M, growing at +107.9%/yr. Net profit margin is 20.6% (strong). Gross margin is 0% (-100 pp trend).

Balance sheet: total debt is $0 against $410M equity (Debt-to-Equity (D/E) ratio 0, conservative). Debt-to-assets is 0%. Total assets: $3.7B.

Analyst outlook: 4 / 8 analysts rate CVCY as buy (50%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 58/100 (Partial), Past 100/100 (Pass), Health 50/100 (Partial), Moat 8/100 (Fail), Future 40/100 (Partial), Income 85/100 (Pass).

CVCY SharesGrow Score Overview

63/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 58/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 8/100

Gross margin is + market cap

FUTURE 40/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CVCY

CVCY trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CVCY: -46.5%/yr revenue is, +107.9%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CVCY: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CVCY: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CVCY: Gross margin is 0% (-100 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 8/100. ≥ 70 = Pass.

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Analyst outlook: 4 / 8 analysts rate CVCY as buy (50%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

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CVCY: Net profit margin is 20.6%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range12.59-22.8911

Volume34.54K

Avg Volume (30D)26.44K

Market Cap$235.33M

Beta (1Y)0.84

Dividend Yield$0.4800

Share Statistics

EPS (TTM)2.01

Shares Outstanding$19M

IPO Date1999-03-08

Employees259

CEOJames J. Kim

Financial Highlights & Ratios

Revenue (TTM)$185.71M

Net Income$38.17M

Total Cash$497.04M

Net Debt$-27.63M

Total Assets$3.69B

Price / Earnings (P/E)9.9

Price / Sales (P/S)1.27

Analyst Forecast

Rating ConsensusBuy

Analysts Covering8

Buy 50% Hold 50% Sell 0%

Company Info

CountryUS

ExchangeNASDAQ Capital Marke

CurrencyUSD

ISINUS1556851004

Price Chart

CVCY

Central Valley Community Bancorp ↗ · NASDAQ Capital Marke

Financial Services • Banks - Regional

12.59 52WK RANGE 22.89

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