Cashmere Valley Bank (CSHX) AI Stock Analysis

• Market Cap: $278.35M
• Dividend Yield: 2.5%
• Average Volume (3M): 2.31K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.05
• Revenue Growth: 9.70%
• EPS Growth: 1.28%
• Country: US
• Employees: 308
• 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: 2.87
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 2.36
• P/FCF Ratio: 8.18
• Enterprise Value/Market Cap: 1.35
• Enterprise Value/Revenue: 3.42
• Enterprise Value/Gross Profit: 4.46
• Enterprise Value/Ebitda: 10.77
• 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: 74 Outperform
• Price Target: $84.00 ▲(13.15% Upside)
• Action: Reiterated Date: 04/04/26
• Date: Action: Reiterated 04/04/26

The score is driven primarily by solid financial performance (strong cash conversion and good profitability) and supportive valuation (low P/E with a moderate dividend). Technicals are generally positive, but near-term momentum looks stretched based on the very high stochastic reading.

Positive Factors

Cash generation

Consistent operating and free cash flow that closely track net income signals high earnings quality and durable cash conversion. This supports reinvestment, dividend capacity and capital buffers through cycles, reducing reliance on external funding over a 2–6 month horizon and beyond.

Negative Factors

Rising leverage

A meaningful debt increase in 2025 that elevates leverage reduces financial flexibility and raises interest expense sensitivity. If margin or revenue pressure emerges, higher leverage could constrain capital return plans and increase refinancing and liquidity risks over the medium term.

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 ...

Read more

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 ...

Cashmere Valley Bank Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	109.94M	122.43M	81.77M	96.46M	77.91M	77.79M
Gross Profit	84.35M	87.36M	81.77M	77.00M	72.73M	72.57M
EBITDA	34.92M	36.27M	34.06M	37.27M	32.98M	37.48M
Net Income	28.64M	29.23M	28.16M	27.98M	26.00M	29.03M
Balance Sheet
Total Assets	2.19B	2.27B	2.12B	2.05B	2.09B	2.22B
Cash, Cash Equivalents and Short-Term Investments	1.00B	0.00	219.92M	763.96M	840.40M	1.21B
Total Debt	84.00M	83.00M	36.00M	48.86M	17.17M	69.01M
Total Liabilities	1.94B	2.00B	1.89B	1.84B	1.93B	1.99B
Stockholders Equity	248.45M	271.29M	231.41M	202.38M	158.36M	239.10M
Cash Flow
Free Cash Flow	0.00	35.37M	37.33M	35.13M	44.68M	36.81M
Operating Cash Flow	0.00	37.22M	37.85M	40.20M	47.97M	39.72M
Investing Cash Flow	0.00	-109.87M	19.76M	-2.60M	78.66M	-283.51M
Financing Cash Flow	0.00	103.65M	45.18M	-100.78M	-60.33M	222.08M

Cashmere Valley Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 74.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 74.24 is below the 20-day moving average (MA) of 74.37, above the 50-day MA of 74.17, and above the 200-day MA of 69.71, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 60.62 is Neutral, neither overbought nor oversold. The STOCH value of 88.00 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
CSHX	74 Outperform	$278.35M	9.90	12.29%	2.50%	9.70%	1.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JMSB	66 Neutral	$296.07M	11.95	7.97%	1.48%	2.59%	18.83%
LNKB	64 Neutral	$332.34M	9.19	11.13%	3.61%	15.66%	―
FINW	61 Neutral	$237.16M	14.30	8.00%	―	26.54%	2.73%
AVBH	57 Neutral	$329.45M	8.35	-8.68%	―	-38.93%	-187.52%
ISBA	57 Neutral	$364.23M	19.51	8.45%	2.13%	7.29%	33.75%