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How to buy Central Valley Community Bancorp stock | $16.29

Own Central Valley Community Bancorp stock in just a few minutes.

Fact checked

Central Valley Community Bancorp is a banks-regional business based in the US. Central Valley Community Bancorp shares (CVCY) are listed on the NASDAQ and all prices are listed in US Dollars. Central Valley Community Bancorp employs 269 staff and has a trailing 12-month revenue of around USD$70.2 million.

How to buy shares in Central Valley Community Bancorp

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Central Valley Community Bancorp. Find the stock by name or ticker symbol: CVCY. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Central Valley Community Bancorp reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$16.29, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Central Valley Community Bancorp, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Central Valley Community Bancorp. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Central Valley Community Bancorp share price

Use our graph to track the performance of CVCY stocks over time.

Central Valley Community Bancorp shares at a glance

Information last updated 2020-12-27.
Latest market closeUSD$16.29
52-week rangeUSD$10.3511 - USD$21.2064
50-day moving average USD$14.9129
200-day moving average USD$13.7251
Wall St. target priceUSD$16.88
PE ratio 10.8429
Dividend yield USD$0.44 (2.92%)
Earnings per share (TTM) USD$1.388

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Central Valley Community Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Central Valley Community Bancorp price performance over time

Historical closes compared with the close of $16.29 from 2021-01-11

1 week (2021-01-11) 16.29
1 month (2020-12-18) 10.29%
3 months (2020-10-16) 19.25%
6 months (2020-07-17) 15.29%
1 year (2020-01-17) -21.61%
2 years (2019-01-18) -16.12%
3 years (2018-01-18) 20.52
5 years (2016-01-15) 41.90%

Is Central Valley Community Bancorp under- or over-valued?

Valuing Central Valley Community Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Central Valley Community Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Central Valley Community Bancorp's P/E ratio

Central Valley Community Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 11x. In other words, Central Valley Community Bancorp shares trade at around 11x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Central Valley Community Bancorp's PEG ratio

Central Valley Community Bancorp's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.2. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Central Valley Community Bancorp's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Central Valley Community Bancorp financials

Revenue TTM USD$70.2 million
Operating margin TTM 36.09%
Gross profit TTM USD$76.1 million
Return on assets TTM 1%
Return on equity TTM 7.56%
Profit margin 25.25%
Book value $18.851
Market capitalisation USD$188.2 million

TTM: trailing 12 months

Shorting Central Valley Community Bancorp shares

There are currently 104,051 Central Valley Community Bancorp shares held short by investors – that's known as Central Valley Community Bancorp's "short interest". This figure is 3.4% down from 107,760 last month.

There are a few different ways that this level of interest in shorting Central Valley Community Bancorp shares can be evaluated.

Central Valley Community Bancorp's "short interest ratio" (SIR)

Central Valley Community Bancorp's "short interest ratio" (SIR) is the quantity of Central Valley Community Bancorp shares currently shorted divided by the average quantity of Central Valley Community Bancorp shares traded daily (recently around 21062.955465587). Central Valley Community Bancorp's SIR currently stands at 4.94. In other words for every 100,000 Central Valley Community Bancorp shares traded daily on the market, roughly 4940 shares are currently held short.

However Central Valley Community Bancorp's short interest can also be evaluated against the total number of Central Valley Community Bancorp shares, or, against the total number of tradable Central Valley Community Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Central Valley Community Bancorp's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Central Valley Community Bancorp shares in existence, roughly 10 shares are currently held short) or 0.0099% of the tradable shares (for every 100,000 tradable Central Valley Community Bancorp shares, roughly 10 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Central Valley Community Bancorp.

Find out more about how you can short Central Valley Community Bancorp stock.

Central Valley Community Bancorp share dividends

38%

Dividend payout ratio: 38.33% of net profits

Recently Central Valley Community Bancorp has paid out, on average, around 38.33% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.92% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Central Valley Community Bancorp shareholders could enjoy a 2.92% return on their shares, in the form of dividend payments. In Central Valley Community Bancorp's case, that would currently equate to about $0.44 per share.

While Central Valley Community Bancorp's payout ratio might seem fairly standard, it's worth remembering that Central Valley Community Bancorp may be investing much of the rest of its net profits in future growth.

Central Valley Community Bancorp's most recent dividend payout was on 27 November 2020. The latest dividend was paid out to all shareholders who bought their shares by 12 November 2020 (the "ex-dividend date").

Have Central Valley Community Bancorp's shares ever split?

Central Valley Community Bancorp's shares were split on a 2:1 basis on 1 November 2005. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Central Valley Community Bancorp shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Central Valley Community Bancorp shares which in turn could have impacted Central Valley Community Bancorp's share price.

Central Valley Community Bancorp share price volatility

Over the last 12 months, Central Valley Community Bancorp's shares have ranged in value from as little as $10.3511 up to $21.2064. A popular way to gauge a stock's volatility is its "beta".

CVCY.US volatility(beta: 0.78)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Central Valley Community Bancorp's is 0.7795. This would suggest that Central Valley Community Bancorp's shares are less volatile than average (for this exchange).

Central Valley Community Bancorp overview

Central Valley Community Bancorp operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in the central valley area of California. The company accepts demand, savings, and time deposits; NOW and money market accounts; certificates of deposit; and non-interest bearing demand deposits. Its loan products include commercial and industrial loans, as well as loans secured by crop production and livestock; owner occupied and investor commercial real estate, real estate construction and other land, agricultural real estate, and other real estate loans; and equity loans and lines of credit, and installment and other consumer loans. The company also offers domestic and international wire transfer, safe deposit box, Internet banking, and other customary banking services. As of December 31, 2019, the company operated 21 full-service banking offices in Cameron Park, Clovis, Exeter, Folsom, Fresno, Gold River, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Roseville, Sacramento, Stockton, and Visalia. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.

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