Central Valley Community Bancorp (CVCY): Price and Financial Metrics

CVCY POWR Grades

• Sentiment is the dimension where CVCY ranks best; there it ranks ahead of 93.4% of US stocks.
• The strongest trend for CVCY is in Value, which has been heading down over the past 179 days.
• CVCY's current lowest rank is in the Quality metric (where it is better than 25.36% of US stocks).

CVCY Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 13.84 for CENTRAL VALLEY COMMUNITY BANCORP; that's greater than it is for 95.77% of US stocks.
• With a year-over-year growth in debt of 193%, CENTRAL VALLEY COMMUNITY BANCORP's debt growth rate surpasses 93.06% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for CVCY comes in at -26.28% -- higher than that of just 16.88% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to CENTRAL VALLEY COMMUNITY BANCORP are SBFG, CARV, ORRF, FBP, and OSBC.
• Visit CVCY's SEC page to see the company's official filings. To visit the company's web site, go to www.cvcb.com.

CVCY Valuation Summary

• CVCY's price/sales ratio is 2.9; this is 190% higher than that of the median Financial Services stock.
• Over the past 243 months, CVCY's price/sales ratio has gone up 0.5.

Below are key valuation metrics over time for CVCY.

CVCY Growth Metrics

Its 5 year net cashflow from operations growth rate is now at 24.31%.
• Its 2 year net cashflow from operations growth rate is now at 72.73%.
• Its 4 year net income to common stockholders growth rate is now at 42.55%.

CVCY's revenue has moved up $7,092,000 over the prior 33 months.

The table below shows CVCY's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	83.144	24.72	25.85
2022-06-30	82.858	20.604	25.987
2022-03-31	83.936	35.841	27.008
2021-12-31	85.859	42.855	28.401
2021-09-30	85.485	42.247	28.642
2021-06-30	82.141	42.994	26.465

CVCY's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CVCY has a Quality Grade of C, ranking ahead of 27.98% of graded US stocks.
• CVCY's asset turnover comes in at 0.039 -- ranking 191st of 428 Banking stocks.
• HTBK, MSBI, and TMP are the stocks whose asset turnover ratios are most correlated with CVCY.

The table below shows CVCY's key quality metrics over time.