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Cashmere Valley Bank
(OTC:CSHX)
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Rating:72Outperform
Price Target:
$105.00
▲(18.36% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance (strong cash generation and steady profitability) and supportive valuation (moderate P/E with a dividend). Technicals are positive but capped by an overbought RSI, which raises near-term pullback risk.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Cashmere Valley Bank (CSHX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$340.33M
Dividend Yield2.13%
Average Volume (3M)2.31K
Price to Earnings (P/E)12.7
Beta (1Y)0.17
Revenue Growth4.93%
EPS Growth-1.81%
CountryUS
Employees308
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.23
Shares Outstanding3,711,320
10 Day Avg. Volume2,017
30 Day Avg. Volume2,307
Financial Highlights & Ratios
PEG Ratio2.86
Price to Book (P/B)1.07
Price to Sales (P/S)2.36
P/FCF Ratio8.18
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Cashmere Valley Bank Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
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Cashmere Valley Bank Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
66
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 124.13M | 122.43M | 81.77M | 96.46M | 77.91M | 77.79M |
| Gross Profit | 87.47M | 87.36M | 81.77M | 77.00M | 72.73M | 72.57M |
| EBITDA | 34.62M | 39.13M | 37.36M | 37.27M | 32.98M | 37.48M |
| Net Income | 27.48M | 29.23M | 28.16M | 27.98M | 26.00M | 29.03M |
Balance Sheet | ||||||
| Total Assets | 2.32B | 2.27B | 2.12B | 2.05B | 2.09B | 2.22B |
| Cash, Cash Equivalents and Short-Term Investments | 28.85M | 272.62M | 219.92M | 763.96M | 840.40M | 1.21B |
| Total Debt | 81.00M | 83.00M | 36.00M | 48.86M | 17.17M | 69.01M |
| Total Liabilities | 2.06B | 2.00B | 1.89B | 1.84B | 1.93B | 1.99B |
| Stockholders Equity | 256.61M | 271.29M | 231.41M | 202.38M | 158.36M | 239.10M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 35.37M | 37.33M | 35.13M | 44.68M | 36.81M |
| Operating Cash Flow | 0.00 | 37.22M | 37.85M | 40.20M | 47.97M | 39.72M |
| Investing Cash Flow | 0.00 | -109.87M | 19.76M | -2.60M | 78.66M | -283.51M |
| Financing Cash Flow | 0.00 | 103.65M | 45.18M | -100.78M | -60.33M | 222.08M |
Cashmere Valley Bank Technical Analysis
Neutral
88.71
Price Trends
87.93
Positive
82.21
Positive
76.73
Positive
Market Momentum
1.15
Positive
48.63
Neutral
16.53
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CSHX, the sentiment is Neutral. The current price of 88.71 is below the 20-day moving average (MA) of 94.36, above the 50-day MA of 87.93, and above the 200-day MA of 76.73, indicating a neutral trend. The MACD of 1.15 indicates Positive momentum. The RSI at 48.63 is Neutral, neither overbought nor oversold. The STOCH value of 16.53 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CSHX.
Cashmere Valley Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $323.03M | 13.12 | 9.16% | 0.77% | 5.41% | 29.77% | |
72 Outperform | $340.33M | 12.68 | 10.50% | 2.19% | 4.93% | -1.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | $349.02M | 10.58 | 10.33% | ― | -32.49% | -159.95% | |
52 Neutral | $299.05M | 14.15 | 8.48% | 2.86% | 11.11% | 24.17% | |
51 Neutral | $192.55M | 13.59 | 7.04% | ― | 89.08% | -1.15% |
* Financial Sector Average
CSHX
Cashmere Valley Bank
91.70
24.93
37.34%
AVBH
Avidbank Holdings
31.75
6.77
27.10%
ISBA
Isabella Bank
38.48
5.71
17.44%
JMSB
John Marshall Bancorp
22.69
2.96
14.99%
FINW
FinWise
14.00
-5.47
-28.09%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.