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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 |
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