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Complete financial analysis of Central Valley Community Bancorp (CVCY) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Central Valley Community Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.
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Central Valley Community Bancorp (CVCY)
About Central Valley Community Bancorp
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; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. 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, 2021, the company operated through a network of 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 based in Fresno, California.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 109.04M | 83.34M | 80.42M | 76.75M | 75.34M | 71.56M | 65.62M | 53.86M | 48.91M | 46.90M | 40.76M | 37.18M | 37.63M | 35.45M | 39.96M | 29.76M | 29.03M | 29.55M | 25.69M | 18.76M | 17.23M | 16.02M | 15.13M | 12.84M | 4.27M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 198.00K | 377.00K | 196.00K | 0.00 | 0.00 | 0.00 | 369.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 109.04M | 83.34M | 80.42M | 76.75M | 75.34M | 71.36M | 65.24M | 53.66M | 48.91M | 46.90M | 40.76M | 36.81M | 37.63M | 35.45M | 39.96M | 29.76M | 29.03M | 29.55M | 25.69M | 18.76M | 17.23M | 16.02M | 15.13M | 12.84M | 4.27M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 99.72% | 99.43% | 99.64% | 100.00% | 100.00% | 100.00% | 99.01% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 32.64M | 29.76M | 35.24M | 34.15M | 31.78M | 30.08M | 27.73M | 24.76M | 23.03M | 22.30M | 19.51M | 17.37M | 19.60M | 19.20M | 18.70M | 11.58M | 10.83M | 10.87M | 9.18M | 7.54M | 7.15M | 6.23M | 5.37M | 4.70M | 3.85M |
| Selling & Marketing | 542.00K | 557.00K | 527.00K | 663.00K | 756.00K | 758.00K | 638.00K | 576.00K | 608.00K | 589.00K | 476.00K | 558.00K | 735.00K | 669.00K | 722.00K | 500.00K | 481.00K | 452.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 33.18M | 30.32M | 35.76M | 34.81M | 32.54M | 30.84M | 28.37M | 25.34M | 23.64M | 22.89M | 19.98M | 17.93M | 20.34M | 19.87M | 19.42M | 12.08M | 11.31M | 11.32M | 9.18M | 7.54M | 7.15M | 6.23M | 5.37M | 4.70M | 3.85M |
| Other Expenses | -17.80M | -75.09M | -78.17M | -84.30M | -77.93M | -74.62M | -58.94M | -46.72M | -48.86M | -54.95M | -39.71M | -35.33M | -46.69M | -48.13M | -50.84M | -27.07M | -22.83M | -24.11M | -21.34M | -18.68M | -17.22M | -15.49M | -12.71M | -10.64M | -3.85M |
| Operating Expenses | 17.80M | -44.77M | -42.40M | -49.49M | -45.39M | -41.97M | -30.57M | -21.39M | -25.22M | -32.06M | -19.73M | -17.40M | -26.35M | -28.26M | -31.42M | -14.99M | -11.52M | -12.78M | -12.16M | -11.14M | -10.07M | -9.26M | -7.34M | -5.94M | 3.44K |
| Cost & Expenses | 75.60M | -44.77M | -42.40M | -49.49M | -45.39M | -41.97M | 377.00K | 196.00K | -25.22M | -32.06M | -19.73M | 369.00K | -26.35M | -28.26M | -31.42M | -14.99M | -11.52M | -12.78M | -12.16M | -11.14M | -10.07M | -9.26M | -7.34M | -5.94M | 3.44K |
| Interest Income | 102.42M | 82.99M | 73.86M | 66.02M | 66.33M | 64.19M | 57.38M | 46.68M | 41.82M | 41.04M | 34.84M | 31.82M | 34.30M | 36.01M | 40.73M | 31.85M | 32.57M | 30.93M | 26.07M | 16.80M | 14.97M | 14.54M | 14.58M | 13.56M | 11.35M |
| Interest Expense | 4.46M | 3.42M | 1.30M | 1.60M | 2.56M | 1.48M | 1.14M | 1.10M | 1.05M | 1.16M | 1.39M | 1.88M | 2.94M | 4.28M | 6.63M | 7.28M | 8.06M | 6.56M | 4.14M | 1.98M | 2.29M | 2.73M | 4.14M | 4.25M | 3.34M |
| Depreciation & Amortization | 959.00K | 10.42M | 661.00K | 695.00K | 695.00K | 455.00K | 234.00K | 149.00K | 320.00K | 337.00K | 268.00K | 200.00K | 4.80M | 3.28M | 2.29M | 814.00K | 1.08M | 1.62M | 2.37M | 2.11M | 2.85M | 2.19M | 1.95M | 1.97M | 0.00 |
| EBITDA | 68.00K | 48.98M | 38.68M | 27.96M | 30.65M | 37.55M | 34.90M | 32.43M | 24.01M | 15.18M | 21.29M | 19.61M | 16.08M | 10.47M | 10.82M | 15.58M | 18.58M | 18.39M | 15.90M | 9.72M | 10.01M | 8.95M | 9.74M | 8.87M | 4.27M |
| EBITDA Ratio | 0.06% | 58.77% | 48.09% | 36.42% | 40.68% | 52.48% | 53.19% | 60.21% | 49.09% | 32.37% | 52.25% | 52.75% | 42.73% | 29.53% | 27.09% | 52.37% | 64.02% | 62.22% | 61.87% | 51.83% | 58.12% | 55.89% | 64.38% | 69.08% | 100.08% |
| Operating Income | -891.00K | 38.56M | 38.02M | 27.26M | 29.95M | 29.39M | 34.67M | 32.28M | 23.69M | 14.85M | 21.03M | 19.41M | 11.28M | 7.19M | 8.54M | 14.77M | 17.51M | 16.77M | 13.53M | 7.62M | 7.16M | 6.76M | 7.79M | 6.90M | 4.27M |
| Operating Income Ratio | -0.82% | 46.27% | 47.27% | 35.52% | 39.76% | 41.08% | 52.83% | 59.93% | 48.44% | 31.65% | 51.59% | 52.21% | 29.97% | 20.29% | 21.37% | 49.63% | 60.31% | 56.74% | 52.65% | 40.61% | 41.57% | 42.19% | 51.49% | 53.72% | 100.08% |
| Total Other Income/Expenses | 1.03M | -17.78M | -6.37M | -14.39M | -12.85M | -12.81M | -13.44M | -6.43M | -1.38M | -1.10M | -1.94M | -1.14M | -2.94M | -4.28M | -6.63M | -7.28M | -8.06M | -6.56M | -4.14M | -3.92M | -3.79M | -21.25M | -18.82M | -4.22M | -3.35M |
| Income Before Tax | 33.84M | 35.14M | 38.02M | 27.26M | 29.95M | 27.91M | 23.82M | 22.10M | 13.55M | 4.72M | 9.60M | 9.21M | 8.34M | 2.91M | 1.91M | 7.49M | 9.45M | 10.21M | 9.39M | 5.64M | 4.87M | 4.03M | 3.65M | 2.68M | 924.50K |
| Income Before Tax Ratio | 31.04% | 42.17% | 47.27% | 35.52% | 39.76% | 39.00% | 36.30% | 41.03% | 27.70% | 10.07% | 23.55% | 24.76% | 22.16% | 8.21% | 4.79% | 25.17% | 32.55% | 34.55% | 36.54% | 30.06% | 28.28% | 25.17% | 24.14% | 20.85% | 21.67% |
| Income Tax Expense | 8.30M | 8.50M | 9.62M | 6.91M | 8.51M | 6.62M | 9.79M | 6.92M | 2.58M | -570.00K | 1.35M | 1.69M | 1.86M | -369.00K | -676.00K | 2.35M | 3.17M | 3.30M | 3.34M | 1.94M | 1.50M | 1.25M | 1.27M | 904.10K | 207.70K |
| Net Income | 25.54M | 26.65M | 28.40M | 20.35M | 21.44M | 21.29M | 14.03M | 15.18M | 10.96M | 5.29M | 8.25M | 7.52M | 6.48M | 3.28M | 2.59M | 5.14M | 6.28M | 6.91M | 6.04M | 3.70M | 3.37M | 2.78M | 2.38M | 1.75M | 717.99K |
| Net Income Ratio | 23.42% | 31.97% | 35.32% | 26.51% | 28.46% | 29.75% | 21.37% | 28.19% | 22.42% | 11.29% | 20.24% | 20.23% | 17.21% | 9.25% | 6.48% | 17.27% | 21.64% | 23.39% | 23.53% | 19.70% | 19.58% | 17.38% | 15.72% | 13.61% | 16.83% |
| EPS | 2.18 | 2.27 | 2.32 | 1.62 | 1.60 | 1.59 | 1.12 | 1.34 | 1.00 | 0.48 | 0.77 | 0.75 | 0.63 | 0.31 | 0.29 | 0.83 | 1.05 | 1.16 | 1.03 | 0.36 | 0.65 | 0.27 | 0.23 | 0.34 | 0.14 |
| EPS Diluted | 2.17 | 2.27 | 2.31 | 1.62 | 1.59 | 1.58 | 1.10 | 1.33 | 1.00 | 0.48 | 0.77 | 0.75 | 0.63 | 0.31 | 0.28 | 0.79 | 0.99 | 1.07 | 0.94 | 0.32 | 0.60 | 0.26 | 0.22 | 0.33 | 0.14 |
| Weighted Avg Shares Out | 11.73M | 11.72M | 12.24M | 12.53M | 13.42M | 13.42M | 12.47M | 11.33M | 10.93M | 10.92M | 10.25M | 9.59M | 9.52M | 9.21M | 7.69M | 6.21M | 5.99M | 5.96M | 5.87M | 5.26M | 5.19M | 5.19M | 5.21M | 5.22M | 5.13M |
| Weighted Avg Shares Out (Dil) | 11.75M | 11.74M | 12.28M | 12.58M | 13.51M | 13.51M | 12.72M | 11.44M | 11.02M | 11.00M | 10.31M | 9.62M | 9.54M | 9.29M | 7.80M | 6.47M | 6.37M | 6.46M | 6.43M | 5.83M | 5.67M | 5.46M | 5.37M | 5.26M | 5.22M |
Central Valley Community Bancorp Reports Earnings Results for the Quarter and Nine Months Ended September 30, 2022, and Quarterly Dividend
FRESNO, Calif.--(BUSINESS WIRE)--The Board of Directors of Central Valley Community Bancorp (Company) (NASDAQ: CVCY), the parent company of Central Valley Community Bank (CVCB), reported today results for the quarter and nine months ended September 30, 2022, and quarterly dividend. For...
Central Valley Community Bancorp (CVCY) Could Be a Great Choice
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Central Valley Community Bancorp (CVCY) have what it takes?
CVCB Names Interim Chief Financial Officer; Outgoing 32-Year CFO Remains With Company as Strategic Growth Advisor
FRESNO, Calif.--(BUSINESS WIRE)--James J. Kim, President and CEO of Central Valley Community Bank (CVCB), has appointed Dawn P. Crusinberry, Senior Vice President, Controller, as the Company’s Interim Executive Vice President, Chief Financial Officer (CFO), effective September 30, 2022. She succeeds...
Is Central Valley Community Bancorp (CVCY) Stock Undervalued Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Central Valley Community Bancorp (CVCY) Upgraded to Buy: What Does It Mean for the Stock?
Central Valley Community Bancorp (CVCY) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Are You Looking for a High-Growth Dividend Stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Central Valley Community Bancorp (CVCY) have what it takes?
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LNG, ROLL, CVCY, BJ, and TSM have been added to the Zacks Rank #1 (Strong Buy) List on August 23, 2022.
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Wall Street Analysts See a 32% Upside in Central Valley Community Bancorp (CVCY): Can the Stock Really Move This High?
The consensus price target hints at a 32.4% upside potential for Central Valley Community Bancorp (CVCY). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will...
Central Valley Community Bancorp (CVCY) Surpasses Q2 Earnings and Revenue Estimates
Central Valley Community Bancorp (CVCY) delivered earnings and revenue surprises of 7.69% and 2.22%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?
Source: https://incomestatements.info
Category: Stock Reports