Central Valley Community Bancorp (CVCY) Income Statement Analysis

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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)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.cvcb.com

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

Critical Analysis: Preferred Bank (NASDAQ:PFBC) versus Central Valley Community Bancorp (NASDAQ:CVCY)

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Preferred Bank (NASDAQ:PFBC) and Central Valley Community Bancorp (NASDAQ:CVCY) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, risk, dividends, profitability, institutional ownership...