Central Valley Community Bancorp (CVCY) Key Ratios

Stock Card

$18.35

$-- (--%)

As on 18-Apr-2024 09:30EDT

Market cap

$235 Mln

Revenue (TTM)

$94 Mln

P/E Ratio

9.2

P/B Ratio

1.7

Div. Yield

2.5 %

Key Ratios and Highlights

Growth Score (%)	Quarterly		Annual (TTM)
Particulars	QoQ	YoY	1-Year	3-Years	5-Years
Revenue	27.07	22.32	45.66	6.85	5.53
EBIT	--	--	-39.66	-7.89	-6.64
Net Profit	-7.76	-22.78	-4.16	7.87	3.71
EPS	-7.91	-23.21	-4.28	10.39	7.13
Book Value	--	--	17.90	-3.50	2.06

Key Ratios (%)	Average		Annual (TTM)
Particulars	3-Years	5-Years	Dec-23	Dec-22	Dec-21
EBIT-Margin	30.91	33.60	-0.82	46.27	47.27
Net Margin	--	--	--	--	--
Return on equity	12.51	11.14	13.38	12.61	11.52
Return on Capital	7.17	6.82	7.78	9.20	4.55
Return on Assets	1.14	1.18	1.05	1.09	1.28
Debt to Equity (x)	--	--	0.77	0.66	0.17

Profitability

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ROCE

7.78

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	7.78	9.20	4.55	3.41	9.16
Peer Median	--	--	--	--	--

ROE

13.38

Profit after tax / Average Net worth * 100

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	13.38	12.61	11.52	8.60	9.58
Peer Median	--	--	--	--	--

ROA

1.05

Profit after tax / Average Total assets * 100

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	1.05	1.09	1.28	1.13	1.37
Peer Median	--	--	--	--	--

EBIT Margin

-0.82

Operating profit (EBIT) / Net Sales * 100

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	-0.82	46.27	47.27	35.52	39.76
Peer Median	--	--	--	--	--

Net Margin

23.42

Net profit / Total Income (Net sales plus other income) * 100

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	23.42	31.97	35.32	26.51	28.46
Peer Median	--	--	--	--	--

Growth

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Revenue Growth

0.31

Year on year growth in net sales

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	0.31	0.04	0.05	0.02	0.05
Peer Median	--	--	--	--	--

EBIT Growth

-102.31

Year on year growth in operating profit (EBIT)

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	-102.31	1.44	39.46	-8.98	-19.26
Peer Median	--	--	--	--	--

Net Profit Growth

-4.16

Year on year growth in profit after tax

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	-4.16	-6.18	39.58	-5.11	0.72
Peer Median	--	--	--	--	--

EPS Growth

-0.05

Year on year growth in earnings per share

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	-0.05	-0.04	0.46	0.00	0.05
Peer Median	--	--	--	--	--

Solvency

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Debt to Equity

0.77

Total debt / Net worth

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	0.77	0.66	0.17	2.92	0.02
Peer Median	--	--	--	--	--

Short term debt to equity ratio

0.40

(Short term borrowings / Net worth)

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	0.40	0.26	0.01	2.90	--
Peer Median	--	--	--	--	--

Current Ratio

0.03

Current Assets / Current Liabilities and Provisions

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	0.03	9.63	32.60	25.94	18.40
Peer Median	--	--	--	--	--

Quick Ratio

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	--	10.16	36.92	28.47	20.33
Peer Median	--	--	--	--	--

Interest Coverage

-0.20

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	-0.20	11.27	29.20	17.09	11.70
Peer Median	--	--	--	--	--

Operating Efficiency

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Debtors to sales

Debtors outstanding / Net Sales * 100

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	--	92.24	40.67	38.00	42.67
Peer Median	--	--	--	--	--

Asset Turnover

0.04

Sales / Average Total Assets

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	0.04	0.03	0.04	0.04	0.05
Peer Median	--	--	--	--	--

Receivable days

257.48

Average Debtors / Sales * 365

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	257.48	240.13	140.51	145.89	138.96
Peer Median	--	--	--	--	--

Inventory Days

Average Inventory / Sales * 365

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	--	--	--	--	--
Peer Median	--	--	--	--	--

Payable days

Average Creditors / Cost of goods sold * 365

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	--	--	--	--	--
Peer Median	--	--	--	--	--

Cash Conversion Cycle

Receivable Days + Inventory Days - Payable Days

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	--	--	--	--	--
Peer Median	--	--	--	--	--

Valuation

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Price / Earnings

10.31

Current share price divided by earning per share in the last twelve months

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	10.31	9.31	8.77	9.16	13.35
Peer Median	--	--	--	--	--

Price / Book Value

1.27

Current share price divided by book value per share in the latest financial year

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	1.27	1.42	1.01	0.76	1.25
Peer Median	--	--	--	--	--

EV/EBITDA

-3,366.31

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19
Central Valley Community Bancorp (CVCY)	-3,366.31	-6.46	-25.39	4.34	-7.57
Peer Median	--	--	--	--	--

Annual
Quarterly