Cashmere Valley Bank Logo

Cashmere Valley Bank

CSHX

(3.2)
Stock Price

58,50 USD

1.41% ROA

13.36% ROE

7.46x PER

Market Cap.

219.627.440,00 USD

22.19% DER

3.08% Yield

26.35% NPM

Cashmere Valley Bank Stock Analysis

Cashmere Valley Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Cashmere Valley Bank Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (17.21%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.97x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (5%), which means it has a small amount of debt compared to the ownership it holds

4 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

6 ROA

The stock's ROA (1.51%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (133), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Cashmere Valley Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Cashmere Valley Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Sell
4 Stoch RSI Buy

Cashmere Valley Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Cashmere Valley Bank Revenue
Year Revenue Growth
2012 41.136.000
2013 42.212.000 2.55%
2014 47.182.000 10.53%
2015 47.837.000 1.37%
2016 47.036.000 -1.7%
2017 51.620.000 8.88%
2018 57.016.000 9.46%
2019 62.248.000 8.41%
2020 67.741.000 8.11%
2021 72.649.000 6.76%
2022 73.528.000 1.2%
2023 84.140.000 12.61%
2023 96.463.000 12.77%
2024 113.140.000 14.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Cashmere Valley Bank Research and Development Expenses
Year Research and Development Expenses Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Cashmere Valley Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 11.670.000
2013 12.308.000 5.18%
2014 13.517.000 8.94%
2015 14.723.000 8.19%
2016 15.614.000 5.71%
2017 16.349.000 4.5%
2018 18.565.000 11.94%
2019 23.756.000 21.85%
2020 25.077.000 5.27%
2021 27.384.000 8.42%
2022 25.245.000 -8.47%
2023 26.556.000 4.94%
2023 23.376.000 -13.6%
2024 8.304.000 -181.5%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Cashmere Valley Bank EBITDA
Year EBITDA Growth
2012 27.764.000
2013 27.434.000 -1.2%
2014 28.066.000 2.25%
2015 27.205.000 -3.16%
2016 28.307.000 3.89%
2017 29.674.000 4.61%
2018 32.584.000 8.93%
2019 30.120.000 -8.18%
2020 32.935.000 8.55%
2021 37.476.000 12.12%
2022 37.364.000 -0.3%
2023 35.028.000 -6.67%
2023 -50.000 70156%
2024 -108.000 53.7%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Cashmere Valley Bank Gross Profit
Year Gross Profit Growth
2012 41.136.000
2013 42.212.000 2.55%
2014 47.182.000 10.53%
2015 47.837.000 1.37%
2016 47.036.000 -1.7%
2017 51.620.000 8.88%
2018 57.016.000 9.46%
2019 62.248.000 8.41%
2020 67.741.000 8.11%
2021 72.649.000 6.76%
2022 73.528.000 1.2%
2023 84.140.000 12.61%
2023 96.463.000 12.77%
2024 113.140.000 14.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Cashmere Valley Bank Net Profit
Year Net Profit Growth
2012 13.344.000
2013 14.228.000 6.21%
2014 15.796.000 9.93%
2015 16.764.000 5.77%
2016 17.524.000 4.34%
2017 18.408.000 4.8%
2018 21.788.000 15.51%
2019 23.396.000 6.87%
2020 25.521.000 8.33%
2021 29.033.000 12.1%
2022 26.000.000 -11.67%
2023 28.732.000 9.51%
2023 27.982.000 -2.68%
2024 26.588.000 -5.24%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Cashmere Valley Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 3
2013 4 0%
2014 4 0%
2015 4 25%
2016 4 0%
2017 4 0%
2018 5 20%
2019 6 0%
2020 6 16.67%
2021 7 14.29%
2022 7 -16.67%
2023 7 14.29%
2023 7 0%
2024 7 -16.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Cashmere Valley Bank Free Cashflow
Year Free Cashflow Growth
2012 32.170.000
2013 31.079.000 -3.51%
2014 25.721.000 -20.83%
2015 24.695.000 -4.15%
2016 25.019.000 1.3%
2017 23.713.000 -5.51%
2018 29.972.000 20.88%
2019 29.284.000 -2.35%
2020 30.071.000 2.62%
2021 36.809.000 18.31%
2022 44.683.000 17.62%
2023 35.133.000 -27.18%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Cashmere Valley Bank Operating Cashflow
Year Operating Cashflow Growth
2012 33.723.000
2013 32.086.000 -5.1%
2014 26.953.000 -19.04%
2015 27.881.000 3.33%
2016 27.292.000 -2.16%
2017 28.369.000 3.8%
2018 33.441.000 15.17%
2019 30.613.000 -9.24%
2020 31.586.000 3.08%
2021 39.715.000 20.47%
2022 47.974.000 17.22%
2023 40.202.000 -19.33%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Cashmere Valley Bank Capital Expenditure
Year Capital Expenditure Growth
2012 1.553.000
2013 1.007.000 -54.22%
2014 1.232.000 18.26%
2015 3.186.000 61.33%
2016 2.273.000 -40.17%
2017 4.656.000 51.18%
2018 3.469.000 -34.22%
2019 1.329.000 -161.02%
2020 1.515.000 12.28%
2021 2.906.000 47.87%
2022 3.291.000 11.7%
2023 5.069.000 35.08%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Cashmere Valley Bank Equity
Year Equity Growth
2012 121.969.000
2013 125.917.000 3.14%
2014 142.069.000 11.37%
2015 155.343.000 8.54%
2016 165.879.000 6.35%
2017 180.458.000 8.08%
2018 187.503.000 3.76%
2019 205.404.000 8.72%
2020 238.678.000 13.94%
2021 239.098.000 0.18%
2022 158.390.000 -50.96%
2023 178.401.000 11.22%
2023 202.798.000 12.03%
2024 218.204.000 7.06%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Cashmere Valley Bank Assets
Year Assets Growth
2012 1.238.687.000
2013 1.283.278.000 3.47%
2014 1.324.604.000 3.12%
2015 1.381.663.000 4.13%
2016 1.454.239.000 4.99%
2017 1.516.014.000 4.07%
2018 1.520.773.000 0.31%
2019 1.651.499.000 7.92%
2020 1.994.288.000 17.19%
2021 2.224.302.000 10.34%
2022 2.087.762.000 -6.54%
2023 1.999.155.000 -4.43%
2023 2.045.279.000 2.26%
2024 2.053.366.000 0.39%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Cashmere Valley Bank Liabilities
Year Liabilities Growth
2012 1.116.718.000
2013 1.157.361.000 3.51%
2014 1.182.535.000 2.13%
2015 1.226.320.000 3.57%
2016 1.288.360.000 4.82%
2017 1.335.556.000 3.53%
2018 1.333.270.000 -0.17%
2019 765.000 -174183.66%
2020 612.000 -25%
2021 34.907.000 98.25%
2022 1.929.372.000 98.19%
2023 9.743.000 -19702.65%
2023 1.842.481.000 99.47%
2024 1.835.162.000 -0.4%

Cashmere Valley Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
25.91
Net Income per Share
7.41
Price to Earning Ratio
7.46x
Price To Sales Ratio
2.18x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.99
EV to Sales
1.12
EV Over EBITDA
13.3
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.13
FreeCashFlow Yield
0
Market Cap
0,22 Bil.
Enterprise Value
0,11 Bil.
Graham Number
96.7
Graham NetNet
-284.41

Income Statement Metrics

Net Income per Share
7.41
Income Quality
0
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.83
EBT Per Ebit
0.82
Ebit per Revenue
0.39
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.19
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.07
Operating Profit Margin
0.39
Pretax Profit Margin
0.32
Net Profit Margin
0.26

Dividends

Dividend Yield
0.03
Dividend Yield %
3.08
Payout Ratio
0
Dividend Per Share
1.7

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
34.15
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
10.69
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
207,94
Book Value per Share
56,18
Tangible Book Value per Share
52.78
Shareholders Equity per Share
56.06
Interest Debt per Share
17.01
Debt to Equity
0.22
Debt to Assets
0.02
Net Debt to EBITDA
-12.68
Current Ratio
0.38
Tangible Asset Value
0,20 Bil.
Net Current Asset Value
-1,67 Bil.
Invested Capital
-238613000
Working Capital
-0,27 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-158073000
Debt to Market Cap
0.22

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Cashmere Valley Bank Dividends
Year Dividends Growth
2013 0
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 3 50%
2019 1 -100%
2020 3 66.67%
2021 2 -200%
2022 2 0%
2023 2 0%
2024 2 0%

Cashmere Valley Bank Profile

About Cashmere Valley Bank

Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers. It offers checking and savings accounts; personal, auto, boat, RV, and home equity loans, as well as mortgages; business loans comprising commercial real estate loans, commercial loans, operating lines of credit, and small business administration loans; equipment financing; credit cards; and wealth management, merchant, and treasury services. The company also provides banking and financing solutions for local municipalities, including banking services, privately-placed bonds and notes, municipal credit cards, and interim-financings in connection with rural development projects. In addition, it offers brokers personal and commercial lines of insurance, such as property, casualty, life, and health insurance products; and telephone, mobile, and online banking services, as well as bill payment services. The company serves customers through a network of 11 branches in North Central Washington. Cashmere Valley Bank was incorporated in 1932 and is based in Cashmere, Washington.

CEO
Mr. Greg Oakes
Employee
0
Address
117 Aplets Way
Cashmere, 98815

Cashmere Valley Bank Executives & BODs

Cashmere Valley Bank Executives & BODs
# Name Age
1 Deidra Anderson
Senior Vice President & Compliance Officer
70
2 Kelly Melton CPA
Vice President & Controller
70
3 Mr. Steve Vradenburg
Chief Lending Officer & Executive Vice President
70
4 Mr. Greg Oakes
President, Chief Executive Officer & Chairman
70
5 Mr. Michael L. Lundstrom CPA, CIA
Executive Vice President & Chief Financial Officer
70
6 Jennifer West
Vice President & Human Resources Director
70
7 Ms. Jenny Pulver
EVice President & Chief Retail Banking Officer
70
8 Ms. Sue Ozburn
Chief Information Officer & Executive Vice President
70
9 Chris Ewer
Senior Vice President & Indirect Lending
70
10 Carrie Gerdes
AVice President & Treasury Management Officer
70

Cashmere Valley Bank Competitors