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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 (CVCY) Q3 Earnings Miss Estimates
Central Valley Community Bancorp (CVCY) delivered earnings and revenue surprises of -1.82% and 0.12%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?
Central Valley Community Bancorp (CVCY) Sees Hammer Chart Pattern: Time to Buy?
Central Valley Community Bancorp (CVCY) has been struggling lately, but the selling pressure may be coming to an end soon.
Here's Why Central Valley Community Bancorp (CVCY) is Poised for a Turnaround After Losing 12.7% in 4 Weeks
Central Valley Community Bancorp (CVCY) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the...
Central Valley Community Bank Names James J. Kim President and Chief Executive Officer
FRESNO, Calif.--(BUSINESS WIRE)---- $CVCY--Central Valley Community Bank names James J. Kim President and Chief Executive Officer effective November 1, 2021.
Why Central Valley (CVCY) Stock Might be a Great Pick
Central Valley (CVCY) has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well.
Central Valley Community Bancorp (CVCY) Hits 52-Week High, Can the Run Continue?
Central Valley Community Bancorp (CVCY) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
Central Valley Community Bancorp (CVCY) Surpasses Q2 Earnings and Revenue Estimates
Central Valley Community Bancorp (CVCY) delivered earnings and revenue surprises of 27.66% and 1.81%, respectively, for the quarter ended June 2021. Do the numbers hold clues to what lies ahead for the stock?
Central Valley Community Bancorp Reports Earnings Results for the Six Months and Quarter Ended June 30, 2021, and Quarterly Dividend
FRESNO, Calif.--(BUSINESS WIRE)---- $CVCY--Central Valley Community Bancorp Reports Earnings Results for the Six Months and Quarter Ended June 30, 2021, and Quarterly Dividend
Central Valley Community Bancorp (CVCY) Q1 Earnings Beat Estimates
Central Valley Community Bancorp (CVCY) delivered earnings and revenue surprises of 30.43% and -0.57%, respectively, for the quarter ended March 2021. Do the numbers hold clues to what lies ahead for the stock?
Central Valley Community Bancorp Reports Earnings Results for the Quarter Ended March 31, 2021, and Increases Quarterly Dividend
FRESNO, Calif.--(BUSINESS WIRE)---- $CVCY #cvcy--Central Valley Community Bancorp reports earnings results for the quarter ended March 31, 2021, and increases quarterly dividend
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