How to buy Central Valley Community Bancorp stock

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 275 staff and has a trailing 12-month revenue of around 0.00.

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

• Key figures

Information last updated 2021-04-30.

52-week range	$10.99 - $21.35
50-day moving average	$19.18
200-day moving average	$16.47
Wall St. target price	$21.63
PE ratio	11.5224
Dividend yield	$0.44 (2.26%)
Earnings per share (TTM)	$1.70

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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.

Technical Analysis of Central Valley Community Bancorp by TradingView

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.

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 12x. In other words, Central Valley Community Bancorp shares trade at around 12x 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	$74.2 million
Operating margin TTM	38.45%
Gross profit TTM	$73.8 million
Return on assets TTM	1.11%
Return on equity TTM	9.21%
Profit margin	28.56%
Book value	$19.31
Market capitalisation	$245 million

TTM: trailing 12 months

Shorting Central Valley Community Bancorp shares

There are currently 165,073 Central Valley Community Bancorp shares held short by investors – that's known as Central Valley Community Bancorp's "short interest". This figure is 20.4% up from 137,048 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 35576.077586207). Central Valley Community Bancorp's SIR currently stands at 4.64. In other words for every 100,000 Central Valley Community Bancorp shares traded daily on the market, roughly 4640 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 0.0155% of the tradable shares (for every 100,000 tradable Central Valley Community Bancorp shares, roughly 16 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

Dividend payout ratio: 22.8% of net profits

Recently Central Valley Community Bancorp has paid out, on average, around 22.8% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.46% 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 2.46% 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 low, this can signify that Central Valley Community Bancorp is investing more in its future growth.

Central Valley Community Bancorp's most recent dividend payout was on 20 May 2021. The latest dividend was paid out to all shareholders who bought their shares by 5 May 2021 (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 31 October 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 $10.9867 up to $21.35. A popular way to gauge a stock's volatility is its "beta".

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 0.8599. 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, 2020, the company operated 20 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 headquartered in Fresno, California. .

Frequently asked questions

• What percentage of Central Valley Community Bancorp is owned by insiders or institutions?

  Currently 14.89% of Central Valley Community Bancorp shares are held by insiders and 47.624% by institutions.

• How many people work for Central Valley Community Bancorp?

  Latest data suggests 275 work at Central Valley Community Bancorp.

• When does the fiscal year end for Central Valley Community Bancorp?

  Central Valley Community Bancorp's fiscal year ends in December.

• Where is Central Valley Community Bancorp based?

  Central Valley Community Bancorp's address is: 7100 North Financial Drive, Fresno, CA, United States, 93720

• What is Central Valley Community Bancorp's ISIN number?

  Central Valley Community Bancorp's international securities identification number is: US1556851004

• What is Central Valley Community Bancorp's CUSIP number?

  Central Valley Community Bancorp's Committee on Uniform Securities Identification Procedures number is: 155685100