Cashmere Valley Bank (CSHX) AI Stock Analysis

• Market Cap: $277.42M
• Dividend Yield: 2.5%
• Average Volume (3M): 2.31K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.04
• Revenue Growth: 9.70%
• EPS Growth: 1.28%
• Country: US
• Employees: 269
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.97
• Shares Outstanding: 3,711,320
• 10 Day Avg. Volume: 2,017
• 30 Day Avg. Volume: 2,307
• PEG Ratio: 14.54
• Price to Book (P/B): 0.98
• Price to Sales (P/S): 2.78
• P/FCF Ratio: 6.10
• Enterprise Value/Market Cap: 1.35
• Enterprise Value/Revenue: 3.41
• Enterprise Value/Gross Profit: 4.45
• Enterprise Value/Ebitda: 10.74
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $82.00 ▲(10.45% Upside)
• Action: Upgraded Date: 12/11/25
• Date: Action: Upgraded 12/11/25

Cashmere Valley Bank's strong financial performance is the primary driver of its overall score, supported by consistent revenue growth and a debt-free balance sheet. While technical indicators suggest the stock is currently overbought, the positive MACD and undervaluation based on the P/E ratio offer a balanced perspective. The absence of earnings call data and corporate events did not impact the score.

Positive Factors

Debt-Free Balance Sheet

A debt-free balance sheet enhances financial stability and reduces risk, providing the company with greater flexibility to invest in growth opportunities.

Consistent Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial health and expansion potential.

Strong Cash Flow Management

Efficient cash flow management ensures liquidity and the ability to fund operations and investments, which is crucial for sustaining business growth.

Negative Factors

Fluctuating Cash Flows

Variability in cash flows can lead to uncertainty in financial planning and may impact the company's ability to consistently invest in growth initiatives.

Return on Equity Fluctuations

Fluctuating return on equity may indicate inefficiencies in generating profits from shareholder investments, potentially affecting investor confidence.

Cash Flow Variability

Inconsistent cash flow can hinder strategic planning and investment, posing a risk to long-term financial stability and growth prospects.

Cashmere Valley Bank Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Cashmere Valley Bank generates revenue primarily through interest income from loans, which includes personal loans, mortgages, and business loans. The bank earns interest on the funds it lends out, while the interest rates charged to borrowers typically exceed the interest rates it pays on deposits, creating a profit margin known as the net interest margin. Additionally, the bank earns fee income from various services such as account maintenance fees, transaction fees, and charges for financial advisory services. Significant partnerships with local businesses and real estate agencies also enhance its lending opportunities and customer base, further contributing to its earnings.

Cashmere Valley Bank Financial Statement Overview

Summary

Cashmere Valley Bank demonstrates strong financial health with consistent revenue growth and profitability. The absence of debt as of 2024 enhances financial stability and reduces risk. While cash flow management is generally effective, periodic fluctuations in cash flows warrant attention. Overall, the company is in a solid financial position, well-suited for sustaining growth.

Income Statement

The income statement shows consistent revenue growth with a notable increase from $62.2M in 2019 to $81.8M in 2024. Gross profit margin remains strong at 100% due to the nature of the banking industry. Net profit margins have been steady, indicating effective cost control and operational efficiency. EBIT and EBITDA margins are healthy, supporting profitability.

Balance Sheet

The balance sheet reflects a strong equity position with no debt in 2024, reducing financial risk. The equity ratio has improved over time, contributing to overall financial stability. However, the return on equity has slightly fluctuated, showing room for improving shareholder returns.

Cash Flow

Cash flow from operations has been robust, supporting a healthy free cash flow, which shows positive growth over the years. The operating cash flow to net income ratio is strong, indicating efficient cash conversion. However, fluctuations in investing and financing cash flows suggest variability in cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	109.94M	81.77M	96.46M	77.91M	77.79M	74.63M
Gross Profit	84.35M	81.77M	77.00M	72.73M	72.57M	64.57M
EBITDA	34.92M	34.06M	37.27M	32.98M	37.48M	32.94M
Net Income	28.64M	28.16M	27.98M	26.00M	29.03M	25.52M
Balance Sheet
Total Assets	2.19B	2.12B	2.05B	2.09B	2.22B	1.99B
Cash, Cash Equivalents and Short-Term Investments	1.00B	219.92M	763.96M	840.40M	1.21B	981.06M
Total Debt	84.00M	36.00M	48.86M	17.17M	69.01M	16.39M
Total Liabilities	1.94B	1.89B	1.84B	1.93B	1.99B	1.76B
Stockholders Equity	248.45M	231.41M	202.38M	158.36M	239.10M	238.68M
Cash Flow
Free Cash Flow	0.00	37.33M	35.13M	44.68M	36.81M	30.07M
Operating Cash Flow	0.00	37.85M	40.20M	47.97M	39.72M	31.59M
Investing Cash Flow	0.00	19.76M	-2.60M	78.66M	-283.51M	-326.78M
Financing Cash Flow	0.00	45.18M	-100.78M	-60.33M	222.08M	289.52M

Cashmere Valley Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 74.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 74.24 is above the 20-day moving average (MA) of 74.09, above the 50-day MA of 73.47, and above the 200-day MA of 68.35, indicating a bullish trend. The MACD of 0.46 indicates Positive momentum. The RSI at 63.50 is Neutral, neither overbought nor oversold. The STOCH value of 77.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CSHX.

Cashmere Valley Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LNKB	77 Outperform	$324.07M	9.63	13.09%	3.61%	15.66%	―
CSHX	72 Outperform	$277.42M	10.02	12.29%	2.50%	9.70%	1.28%
FINW	72 Outperform	$228.80M	14.89	8.00%	―	26.54%	2.73%
ISBA	68 Neutral	$348.86M	18.58	8.27%	2.13%	7.29%	33.75%
JMSB	68 Neutral	$272.73M	12.89	7.97%	1.48%	2.59%	18.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVBH	58 Neutral	$316.26M	-14.41	-8.68%	―	-38.93%	-187.52%