Central Valley Community Bancorp (CVCY) and The Competition Critical Analysis

Central Valley Community Bancorp (NASDAQ: CVCY) is one of 206 publicly-traded companies in the “Commercial Banks” industry, but how does it weigh in compared to its competitors? We will compare Central Valley Community Bancorp to similar companies based on the strength of its earnings, analyst recommendations, profitability, institutional ownership, valuation, dividends and risk.

Dividends

Central Valley Community Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.2%. Central Valley Community Bancorp pays out 18.2% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.9% and pay out 34.9% of their earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current recommendations for Central Valley Community Bancorp and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Central Valley Community Bancorp 0 1 0 0 2.00
Central Valley Community Bancorp Competitors 360 2856 2309 66 2.37

Central Valley Community Bancorp presently has a consensus target price of $24.00, suggesting a potential upside of 20.66%. As a group, “Commercial Banks” companies have a potential upside of 8.06%. Given Central Valley Community Bancorp’s higher possible upside, research analysts clearly believe Central Valley Community Bancorp is more favorable than its competitors.

Profitability

This table compares Central Valley Community Bancorp and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Central Valley Community Bancorp 24.80% 9.41% 1.13%
Central Valley Community Bancorp Competitors 20.48% 8.67% 0.92%

Volatility and Risk

Central Valley Community Bancorp has a beta of 0.25, meaning that its share price is 75% less volatile than the S&P 500. Comparatively, Central Valley Community Bancorp’s competitors have a beta of 0.74, meaning that their average share price is 26% less volatile than the S&P 500.

Valuation and Earnings

This table compares Central Valley Community Bancorp and its competitors revenue, earnings per share (EPS) and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Central Valley Community Bancorp $56.27 million $15.18 million 15.07
Central Valley Community Bancorp Competitors $343.38 million $72.34 million 20.94

Central Valley Community Bancorp’s competitors have higher revenue and earnings than Central Valley Community Bancorp. Central Valley Community Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

39.1% of Central Valley Community Bancorp shares are owned by institutional investors. Comparatively, 46.1% of shares of all “Commercial Banks” companies are owned by institutional investors. 19.7% of Central Valley Community Bancorp shares are owned by insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Central Valley Community Bancorp competitors beat Central Valley Community Bancorp on 9 of the 15 factors compared.

About Central Valley Community Bancorp

Central Valley Community Bancorp is a bank holding company, which operates through its subsidiary, Central Valley Community Bank (the Bank). The Company’s principal business is to provide, through its banking subsidiary, financial services in its primary market area in California. It serves over seven contiguous counties in California’s central valley, including Fresno County, Madera County, Merced County, Sacramento County, San Joaquin County, Stanislaus County, and Tulare County, and surrounding areas through the Bank. The Bank conducts a commercial banking business, which includes accepting demand, savings and time deposits and making commercial, real estate and consumer loans. It operates 24 full-service banking offices in Clovis, Exeter, Fresno, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Sacramento, Stockton, Tracy and Visalia. Its subsidiary also includes the Folsom Lake Bank.

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