Cashmere Valley Bank (CSHX) AI Stock Analysis

• Market Cap: $262.36M
• Dividend Yield: 2.67%
• Average Volume (3M): 1.37K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.08
• Revenue Growth: 16.74%
• EPS Growth: -0.95%
• Country: US
• Employees: 269
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 7.01
• Shares Outstanding: 3,898,694
• 10 Day Avg. Volume: 1,132
• 30 Day Avg. Volume: 1,369
• PEG Ratio: -3.31
• Price to Book (P/B): 1.10
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.13
• Enterprise Value/Revenue: 0.84
• Enterprise Value/Gross Profit: 3.88
• Enterprise Value/Ebitda: -406.23
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: ―

Cashmere Valley Bank's solid financial performance, characterized by consistent revenue growth and a debt-free balance sheet, is a major strength. The technical analysis reflects a generally positive trend, although some caution is advised due to mixed indicators. The stock's valuation suggests it may be undervalued, with a low P/E ratio and a decent dividend yield adding to its appeal. Overall, the company is in a strong position with opportunities for growth, though investors should be aware of potential fluctuations in cash flow.

Cashmere Valley Bank Business Overview & Revenue Model

Company Description

Cashmere Valley Bank (CSHX) is a regional community bank based in Cashmere, Washington. It operates in the financial services sector, offering a range of banking products and services primarily to individuals, small businesses, and agricultural clients. The bank provides traditional deposit accounts, such as checking and savings accounts, as well as loan products, including personal, commercial, and agricultural loans. Additionally, Cashmere Valley Bank offers online banking services, allowing customers convenient access to their accounts.

How the Company Makes Money

Cashmere Valley Bank generates revenue primarily through the interest income earned on its lending activities, including personal, commercial, and agricultural loans. The bank also earns money from fees associated with its various banking services, such as account maintenance fees, transaction fees, and overdraft charges. Additionally, Cashmere Valley Bank benefits from interest on investments in securities and other financial instruments. The bank's profitability is influenced by factors such as the interest rate environment, loan demand, and its ability to manage credit risk effectively.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	81.77M	79.95M	73.53M	72.65M	67.74M
Gross Profit	81.77M	77.00M	73.53M	72.65M	67.74M
EBITDA	34.06M	39.44M	32.98M	37.48M	32.94M
Net Income	28.16M	27.98M	26.00M	29.03M	25.52M
Balance Sheet
Total Assets	2.12B	2.04B	2.09B	2.22B	1.99B
Cash, Cash Equivalents and Short-Term Investments	219.92M	113.05M	840.40M	1.21B	981.06M
Total Debt	0.00	48.86M	17.17M	34.50M	16.39M
Total Liabilities	1.89B	1.84B	1.93B	34.91M	612.00K
Stockholders Equity	231.41M	202.38M	158.36M	239.10M	238.68M
Cash Flow
Free Cash Flow	37.33M	35.13M	44.68M	36.81M	30.07M
Operating Cash Flow	37.85M	40.20M	47.97M	39.72M	31.59M
Investing Cash Flow	19.76M	-2.60M	78.66M	-283.51M	-326.78M
Financing Cash Flow	45.18M	-100.78M	-60.33M	222.08M	289.52M

Cashmere Valley Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 67.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

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 67.3 is above the 20-day moving average (MA) of 67.22, above the 50-day MA of 66.40, and above the 200-day MA of 61.58, indicating a bullish trend. The MACD of 0.21 indicates Positive momentum. The RSI at 53.39 is Neutral, neither overbought nor oversold. The STOCH value of 95.12 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBAN	78 Outperform	$300.20M	12.00	9.20%	2.67%	6.61%	14.29%
PLBC	77 Outperform	$308.17M	8.99	16.24%	2.70%	6.48%	1.42%
LNKB	77 Outperform	$274.03M	7.60	12.74%	4.09%	77.09%	―
TSBK	76 Outperform	$258.29M	10.10	10.54%	3.18%	12.28%	5.73%
CSHX	74 Outperform	$262.36M	9.60	12.15%	2.67%	16.74%	-0.95%
Sector *	67 Neutral	$16.64B	11.61	9.79%	3.78%	11.89%	-8.13%
FLIC	65 Neutral	$269.21M	16.41	4.32%	7.08%	4.04%	-32.19%