Cashmere Valley Bank (CSHX) AI Stock Analysis

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Cashmere Valley Bank

(Other OTC:CSHX)

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Rating:68Neutral

Price Target:$99.00▲(10.49% Upside)

Action:downgraded

Date:11/07/26

The overall score is primarily supported by a strong valuation and a solid financial foundation, marked by reliable cash flows and a conservative balance sheet. The neutral technical picture and margin pressures on earnings limit further upside in the score.

Positive Factors

Reliable Cash GenerationReliable conversion of reported profits into operating and free cash flow supports earnings quality and gives the bank internally generated resources for lending, technology, dividends, and other capital needs. This cash profile provides resilience across the next several quarters.

Negative Factors

Rising LeverageMeaningfully higher debt increases the bank’s financial sensitivity and can reduce flexibility if funding costs or credit conditions become less favorable. Even with adequate flexibility today, continued leverage growth could constrain capital allocation and place greater pressure on future earnings.

Cashmere Valley Bank (CSHX) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $332.53M
Dividend Yield: 2.23%
Average Volume (3M): 2,360
Price to Earnings (P/E): 12.3
Beta (1Y): 0.17
Revenue Growth: 3.77%
EPS Growth: -2.87%
Country: US
Employees: 308
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 to...

How the Company Makes Money

Cashmere Valley Bank’s earnings are primarily driven by traditional banking activities: (1) Net interest income: The core revenue stream is the spread between interest earned on interest-earning assets (primarily loans and investment securities) and...

Cashmere Valley Bank Financial Statement Overview

Summary

Financial performance is solid, driven by strong cash flow generation and a conservative balance sheet. However, net income growth has lagged revenue growth due to margin compression, tempering the overall score.

Income Statement

65Positive

Balance Sheet

70Positive

Cash Flow

75Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	124.46M	122.43M	81.77M	96.46M	77.91M	77.79M
Gross Profit	88.11M	87.36M	81.77M	77.00M	72.73M	72.57M
EBITDA	34.30M	39.13M	37.36M	37.27M	32.98M	37.48M
Net Income	27.14M	29.23M	28.16M	27.98M	26.00M	29.03M
Balance Sheet
Total Assets	2.34B	2.27B	2.12B	2.05B	2.09B	2.22B
Cash, Cash Equivalents and Short-Term Investments	21.17M	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	2.10B	2.00B	1.89B	1.84B	1.93B	1.99B
Stockholders Equity	241.74M	271.29M	231.41M	202.38M	158.36M	239.10M
Cash Flow
Free Cash Flow	0	35.37M	37.33M	35.13M	44.68M	36.81M
Operating Cash Flow	0	37.22M	37.85M	40.20M	47.97M	39.72M
Investing Cash Flow	0	-109.87M	19.76M	-2.60M	78.66M	-283.51M
Financing Cash Flow	0	103.65M	45.18M	-100.78M	-60.33M	222.08M

Cashmere Valley Bank Technical Analysis

Technical Analysis SentimentNegative

Last Price89.60

Price Trends

50DMA89.98Negative

100DMA89.63Negative

200DMA82.48Positive

Market Momentum

MACD-0.01Positive

RSI44.64Neutral

STOCH31.15Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CSHX, the sentiment is Negative. The current price of 89.60 is below the 20-day moving average (MA) of 90.01, below the 50-day MA of 89.98, and above the 200-day MA of 82.48, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 44.64 is Neutral, neither overbought nor oversold. The STOCH value of 31.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CSHX.

Cashmere Valley Bank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CSHX against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JMSB	76Outperform	$327.11M	12.26	9.80%	1.64%	6.77%	33.14%
ISBA	74Outperform	$336.04M	13.79	8.89%	2.83%	11.39%	16.66%
CSHX	68Neutral	$332.53M	12.31	10.56%	2.23%	3.77%	-2.87%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVBH	64Neutral	$382.06M	10.88	11.60%	―	-32.49%	-159.95%
FINW	62Neutral	$199.04M	10.19	9.45%	―	121.33%	25.37%

* Financial Sector Average

Performance Comparison

CSHX and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CSHX	Cashmere Valley Bank	89.60	23.81	36.20%
AVBH	Avidbank Holdings	34.70	10.03	40.66%
ISBA	Isabella Bank Corporation	39.58	0.88	2.27%
JMSB	John Marshall Bancorp	23.18	4.20	22.13%
FINW	Finwise Bancorp	14.57	-3.42	-19.01%

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.

Date of analysis: Nov 07, 2026

Cashmere Valley Bank AI Stock Analysis