Cashmere Valley Bank (CSHX) AI Stock Analysis

• Market Cap: $253.12M
• Dividend Yield: 2.7%
• Average Volume (3M): 1.25K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.09
• Revenue Growth: 16.74%
• EPS Growth: -0.95%
• Country: US
• Employees: 269
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 7.01
• Shares Outstanding: 3,898,694
• 10 Day Avg. Volume: 1,599
• 30 Day Avg. Volume: 1,252
• PEG Ratio: -3.22
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.17
• Enterprise Value/Revenue: 0.84
• Enterprise Value/Gross Profit: 3.85
• Enterprise Value/Ebitda: -403.05
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Cashmere Valley Bank's solid financial performance, characterized by consistent revenue growth and a debt-free balance sheet, is a major strength. The technical analysis reflects a generally positive trend, although some caution is advised due to mixed indicators. The stock's valuation suggests it may be undervalued, with a low P/E ratio and a decent dividend yield adding to its appeal. Overall, the company is in a strong position with opportunities for growth, though investors should be aware of potential fluctuations in cash flow.

Cashmere Valley Bank Business Overview & Revenue Model

Company Description

Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers. It offers checking and savings accounts; personal, auto, boat, RV, and home equity loans, as well as mortgages; business loans comprising commercial real estate loans, commercial loans, operating lines of credit, and small business administration loans; equipment financing; credit cards; and wealth management, merchant, and treasury services. The company also provides banking and financing solutions for local municipalities, including banking services, privately-placed bonds and notes, municipal credit cards, and interim-financings in connection with rural development projects. In addition, it offers brokers personal and commercial lines of insurance, such as property, casualty, life, and health insurance products; and telephone, mobile, and online banking services, as well as bill payment services. The company serves customers through a network of 11 branches in North Central Washington. Cashmere Valley Bank was incorporated in 1932 and is based in Cashmere, Washington.

How the Company Makes Money

Cashmere Valley Bank generates revenue primarily through the interest income earned on its lending activities, including personal, commercial, and agricultural loans. The bank also earns money from fees associated with its various banking services, such as account maintenance fees, transaction fees, and overdraft charges. Additionally, Cashmere Valley Bank benefits from interest on investments in securities and other financial instruments. The bank's profitability is influenced by factors such as the interest rate environment, loan demand, and its ability to manage credit risk effectively.

Cashmere Valley Bank Financial Statement Overview

Summary

Cashmere Valley Bank demonstrates strong financial health with consistent revenue growth and profitability. The absence of debt as of 2024 enhances financial stability and reduces risk. While cash flow management is generally effective, periodic fluctuations in cash flows warrant attention. Overall, the company is in a solid financial position, well-suited for sustaining growth.

Income Statement

The income statement shows consistent revenue growth with a notable increase from $62.2M in 2019 to $81.8M in 2024. Gross profit margin remains strong at 100% due to the nature of the banking industry. Net profit margins have been steady, indicating effective cost control and operational efficiency. EBIT and EBITDA margins are healthy, supporting profitability.

Balance Sheet

The balance sheet reflects a strong equity position with no debt in 2024, reducing financial risk. The equity ratio has improved over time, contributing to overall financial stability. However, the return on equity has slightly fluctuated, showing room for improving shareholder returns.

Cash Flow

Cash flow from operations has been robust, supporting a healthy free cash flow, which shows positive growth over the years. The operating cash flow to net income ratio is strong, indicating efficient cash conversion. However, fluctuations in investing and financing cash flows suggest variability in cash management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
81.77M	79.95M	73.53M	72.65M	67.74M
	Gross Profit
81.77M	77.00M	73.53M	72.65M	67.74M
	EBIT
42.84M	34.25M	34.20M	33.98M	29.54M
	EBITDA
34.06M	39.44M	32.98M	37.48M	32.94M
	Net Income Common Stockholders
28.16M	27.98M	26.00M	29.03M	25.52M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
219.92M	113.05M	840.40M	1.21B	981.06M
	Total Assets
2.12B	2.04B	2.09B	2.22B	1.99B
	Total Debt
0.00	48.86M	17.17M	34.50M	16.39M
	Net Debt
-219.92M	-113.05M	-153.16M	-69.34M	-108.34M
	Total Liabilities
1.89B	1.84B	1.93B	34.91M	612.00K
	Stockholders Equity
231.41M	202.38M	158.36M	239.10M	238.68M
Cash Flow		Free Cash Flow
37.33M	35.13M	44.68M	36.81M	30.07M
	Operating Cash Flow
37.85M	40.20M	47.97M	39.72M	31.59M
	Investing Cash Flow
19.76M	-2.60M	78.66M	-283.51M	-326.78M
	Financing Cash Flow
45.18M	-100.78M	-60.33M	222.08M	289.52M

Cashmere Valley Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 64.87
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CSHX, the sentiment is Positive. The current price of 64.87 is above the 20-day moving average (MA) of 63.87, above the 50-day MA of 63.24, and above the 200-day MA of 59.21, indicating a bullish trend. The MACD of 0.76 indicates Negative momentum. The RSI at 56.52 is Neutral, neither overbought nor oversold. The STOCH value of 82.48 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CSHX.

Cashmere Valley Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBAN	77 Outperform	$279.10M	11.16	9.20%	2.83%	6.61%	14.29%
TSBK	77 Outperform	$250.15M	9.73	10.54%	3.11%	12.28%	5.73%
PLBC	76 Outperform	$266.99M	9.11	16.93%	2.46%	10.64%	3.48%
CSHX	74 Outperform	$253.12M	9.26	12.15%	2.70%	16.74%	-0.95%
LNKB	71 Outperform	$265.81M	7.37	12.74%	4.22%	77.09%	―
FLIC	66 Neutral	$280.77M	17.11	4.32%	6.79%	4.04%	-32.19%
Sector *	64 Neutral	$12.82B	9.87	7.67%	17000.34%	12.39%	-5.85%