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

CVCY POWR Grades

• CVCY scores best on the Stability dimension, with a Stability rank ahead of 92.18% of US stocks.
• The strongest trend for CVCY is in Momentum, which has been heading up over the past 179 days.
• CVCY ranks lowest in Growth; there it ranks in the 30th percentile.

CVCY Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.4 for Central Valley Community Bancorp; that's greater than it is for 90.27% of US stocks.
• With a year-over-year growth in debt of 665.35%, Central Valley Community Bancorp's debt growth rate surpasses 97.76% of about US stocks.
• In terms of volatility of its share price, CVCY is more volatile than only 7.25% of stocks we're observing.
• If you're looking for stocks that are quantitatively similar to Central Valley Community Bancorp, a group of peers worth examining would be SBFG, AROW, MGYR, SMBK, and HBT.
• CVCY's SEC filings can be seen here. And to visit Central Valley Community Bancorp's official web site, go to www.cvcb.com.

CVCY Valuation Summary

• CVCY's price/sales ratio is 3.3; this is 175% higher than that of the median Financial Services stock.
• Over the past 243 months, CVCY's price/earnings ratio has gone down 4.7.
• CVCY's EV/EBIT ratio has moved up 3.5 over the prior 243 months.

Below are key valuation metrics over time for CVCY.

CVCY Growth Metrics

The 2 year cash and equivalents growth rate now stands at -14.35%.
• The 2 year price growth rate now stands at -38.03%.
• Its 3 year cash and equivalents growth rate is now at -59.02%.

CVCY's revenue has moved up $12,243,000 over the prior 34 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
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
2021-03-31	75.102	17.438	21.203
2020-12-31	74.945	16.99	20.347
2020-09-30	70.624	11.823	17.717

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.