Cashmere Valley Bank (CSHX) AI Stock Analysis

• Market Cap: $270.96M
• Dividend Yield: 2.68%
• Average Volume (3M): 2.07K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.09
• Revenue Growth: 12.17%
• EPS Growth: -0.61%
• Country: US
• Employees: 269
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 3,898,694
• 10 Day Avg. Volume: 3,034
• 30 Day Avg. Volume: 2,067
• PEG Ratio: 14.54
• Price to Book (P/B): 0.98
• Price to Sales (P/S): 2.78
• P/FCF Ratio: 6.10
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 3.86
• Enterprise Value/Gross Profit: 4.87
• Enterprise Value/Ebitda: 11.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: ―

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 through multiple channels primarily centered around interest income and fee-based services. The bank earns interest income by providing loans to consumers and businesses, including personal loans, mortgages, and commercial loans, which are charged at interest rates that exceed the rates paid on deposits. Additionally, the bank collects fees for various services such as account maintenance, ATM usage, and wire transfers, contributing to its non-interest income. Significant partnerships with local businesses and community organizations help expand its customer base and enhance its service offerings, further supporting its revenue streams.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	80.27M	81.77M	96.46M	77.91M	77.79M	74.63M
Gross Profit	63.69M	81.77M	77.00M	72.73M	72.65M	64.57M
EBITDA	26.14M	34.06M	39.44M	32.98M	37.48M	32.94M
Net Income	21.47M	28.16M	27.98M	26.00M	29.03M	25.52M
Balance Sheet
Total Assets	2.19B	2.12B	2.04B	2.09B	2.22B	1.99B
Cash, Cash Equivalents and Short-Term Investments	1.00B	219.92M	763.96M	840.40M	1.21B	981.06M
Total Debt	84.00M	36.00M	48.86M	17.17M	34.50M	16.39M
Total Liabilities	1.94B	1.89B	1.84B	1.93B	1.99B	1.76B
Stockholders Equity	248.45M	231.41M	202.38M	158.36M	239.10M	238.68M
Cash Flow
Free Cash Flow	0.00	37.33M	35.13M	44.68M	36.81M	30.07M
Operating Cash Flow	0.00	37.85M	40.20M	47.97M	39.72M	31.59M
Investing Cash Flow	0.00	19.76M	-2.60M	78.66M	-283.51M	-326.78M
Financing Cash Flow	0.00	45.18M	-100.78M	-60.33M	222.08M	289.52M

Cashmere Valley Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 69.14
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 69.14 is above the 20-day moving average (MA) of 69.14, above the 50-day MA of 68.75, and above the 200-day MA of 64.72, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 55.85 is Neutral, neither overbought nor oversold. The STOCH value of 78.63 is Neutral, 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
LNKB	78 Outperform	$264.77M	6.94	13.14%	4.24%	39.91%	―
CSHX	74 Outperform	$270.96M	9.47	12.29%	2.68%	12.17%	-0.61%
ISBA	69 Neutral	$265.62M	16.51	7.69%	3.01%	8.16%	10.10%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FINW	66 Neutral	$246.73M	19.11	7.47%	―	13.75%	-15.50%
AVBH	65 Neutral	$279.96M	8.27	12.52%	―	9.26%	60.91%
JMSB	65 Neutral	$264.62M	14.03	7.72%	1.57%	23.76%	682.33%