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Cashmere Valley Bank (CSHX) Stock Price & Analysis
CSHX Stock Chart & Stats
- Day’s Range
- $89.32 - $90.95
- 52-Week Range
- $66.50 - $100.00
- Previous Close
- $90.95
- Volume
- 260
- Average Volume (3M)
- 1,232
- Market Cap
- $337.54M
- Enterprise Value
- $389.19M
- Total Cash (Recent Filing)
- $21.17M
- Total Debt (Recent Filing)
- $81.00M
- Price to Earnings (P/E)
- 12.5
- Beta
- 0.18
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jul 31, 2026
- Dividend Yield
- 2.14%
Bulls Say, Bears Say
Bulls Say
Cash Generation
Consistent operating and free cash flow, with free cash flow closely tracking net income through 2024–2025, demonstrates durable earnings quality and reliable internal funding. This supports reinvestment, cushions shocks to margins, and underpins long-term capital allocation and dividend capacity.
Profitability & Margins
Steady operating and net margins across reporting periods show that the core banking operations generate recurring profitability. This margin stability supports sustainable earnings generation even when revenue growth fluctuates, aiding long-term resilience of returns and internal cash conversion.
Equity Growth & Flexibility
Steady equity growth and historically respectable ROE provide capital buffer and regulatory headroom. Combined with an overall adequate balance sheet score, this enhances financial flexibility for lending, absorbing credit shocks, and funding strategic initiatives without immediate reliance on volatile external financing.
Bears Say
Revenue Volatility
Material swings in revenue (decline in 2024 followed by a sharp rebound in 2025) create uncertainty in forward revenue visibility and stress scenario planning. Persistent volatility can hinder predictable earnings growth, complicate margin management, and make long-term resource allocation riskier.
Rising Leverage
A meaningful increase in debt in 2025 raises leverage and reduces financial flexibility. Higher leverage elevates funding and interest-rate sensitivity, constrains capital deployment during stress, and increases dependence on consistent earnings and cash flow to meet obligations over the medium term.
Negative EPS Trend
Negative EPS growth indicates earnings per share have declined, signaling potential pressure on profitability or dilution effects. Persistent EPS contraction can limit retained earnings for reinvestment, weaken per-share returns to shareholders, and complicate sustaining dividends or funding organic growth.
CSHX FAQ
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Cashmere Valley Bank Stock Smart Score
Company Description
Cashmere Valley Bank
Cashmere Valley Bank, a state-chartered financial institution established in 1932 and headquartered in Cashmere, Washington, offers a comprehensive array of banking products and services. Its diverse clientele includes individual consumers, small to mid-sized enterprises, and local governmental bodies. For retail and commercial clients, the bank provides fundamental services like checking and savings accounts, alongside a variety of lending solutions. These encompass personal loans (for vehicles, boats, RVs, and home equity), mortgages, and a full suite of business financing options, including commercial real estate loans, general commercial loans, operating lines of credit, and Small Business Administration (SBA) loans. Further offerings extend to equipment financing, credit cards, wealth management, merchant processing, and treasury solutions. The bank also caters specifically to local municipalities, furnishing tailored banking services, privately-placed bonds and notes, municipal credit cards, and interim financing to support rural development initiatives. Beyond core financial offerings, Cashmere Valley Bank partners with brokers to provide access to insurance products such as property, casualty, life, and health coverage. To ensure convenient access, the company supports telephone, mobile, and online banking platforms, complete with bill payment functionalities. Serving communities throughout North Central Washington, the bank operates a network of 11 branches.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Greg Oakes
- Employees
- 308
- Website
- www.cashmerevalleybank.com
- Address
- 117 Aplets Way, Cashmere, WA, 98815, US
Cashmere Valley Bank (CSHX) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 4 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |
