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Cashmere Valley Bank (CSHX) AI Stock Analysis
Cashmere Valley Bank
(Other OTC:CSHX)
The overall score of 83 is primarily driven by Cashmere Valley Bank's robust cash conversion and highly conservative balance sheet. The stock's attractive valuation, marked by a reasonable P/E ratio and solid dividend yield, further strengthens its profile. A sustained technical uptrend across all major moving averages also contributes positively, making it a compelling candidate despite minor margin compression.
Cashmere Valley Bank (CSHX) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $336.21M
- Dividend Yield
- 2.21%
- Average Volume (3M)
- 2,183
- Price to Earnings (P/E)
- 12.4
- Beta (1Y)
- 0.18
- 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
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Cashmere Valley Bank Financial Statement Overview
Summary
Strong financial foundation highlighted by consistent bottom-line stability, a conservative balance sheet with low leverage (debt-to-equity of 0.30), and excellent cash flow generation, despite some recent net profit margin contraction.
Income Statement
76PositiveBalance Sheet
84Very PositiveCash Flow
88Very Positive| 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
Price Trends
Market Momentum
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 90.62 is above the 20-day moving average (MA) of 89.85, above the 50-day MA of 90.18, and above the 200-day MA of 81.67, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 56.10 is Neutral, neither overbought nor oversold. The STOCH value of 93.51 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
Overall Rating
- CSHX83Outperform
JMSB78Outperform
ISBA74Outperform
AVBH64Neutral
FINW56Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CSHX | 83Outperform | $337.54M | 12.44 | 10.56% | 2.21% | 3.77% | -2.87% |
| JMSB | 78Outperform | $323.73M | 12.30 | 9.80% | 1.20% | 6.77% | 33.32% |
| ISBA | 74Outperform | $302.41M | 14.03 | 8.89% | 2.74% | 11.39% | 16.66% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AVBH | 64Neutral | $375.19M | 11.65 | 10.10% | ― | -32.49% | -159.95% |
| FINW | 56Neutral | $183.11M | 9.27 | 9.45% | ― | 121.33% | 25.61% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CSHX | Cashmere Valley Bank | 90.59 | 24.45 | 36.97% | |
| AVBH | Avidbank Holdings | 34.95 | 8.91 | 34.22% | |
| ISBA | Isabella Bank Corporation | 40.82 | -1.63 | -3.85% | |
| JMSB | John Marshall Bancorp | 23.25 | 4.57 | 24.48% | |
| FINW | Finwise Bancorp | 13.25 | -5.72 | -30.15% |
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: Aug 06, 2026