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Central Valley Community Bancorp
Buy, Hold or Sell?

Let's analyse Central Valley Community Bancorp together

PenkeI guess you are interested in Central Valley Community Bancorp. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Central Valley Community Bancorp. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Central Valley Community Bancorp (30 sec.)










What can you expect buying and holding a share of Central Valley Community Bancorp? (30 sec.)

How much money do you get?

How much money do you get?
$0.48
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$17.50
Expected worth in 1 year
$20.24
How sure are you?
75.0%

+ What do you gain per year?

Total Gains per Share
$3.22
Return On Investment
16.2%

For what price can you sell your share?

Current Price per Share
$19.89
Expected price per share
$18.30 - $24.07
How sure are you?
50%

1. Valuation of Central Valley Community Bancorp (5 min.)




Live pricePrice per Share (EOD)

$19.89

Intrinsic Value Per Share

$-23.31 - $12.85

Total Value Per Share

$-5.81 - $30.35

2. Growth of Central Valley Community Bancorp (5 min.)




Is Central Valley Community Bancorp growing?

Current yearPrevious yearGrowGrow %
How rich?$207m$172m$1.1b86.7%

How much money is Central Valley Community Bancorp making?

Current yearPrevious yearGrowGrow %
Making money$6.3m$6.6m-$277.2k-4.3%
Net Profit Margin27.7%7,269.2%--

How much money comes from the company's main activities?

3. Financial Health of Central Valley Community Bancorp (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Central Valley Community Bancorp? (5 min.)

Welcome investor! Central Valley Community Bancorp's management wants to use your money to grow the business. In return you get a share of Central Valley Community Bancorp.

What can you expect buying and holding a share of Central Valley Community Bancorp?

First you should know what it really means to hold a share of Central Valley Community Bancorp. And how you can make/lose money.

Speculation

The Price per Share of Central Valley Community Bancorp is $19.89. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Central Valley Community Bancorp.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Central Valley Community Bancorp, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $17.50. Based on the TTM, the Book Value Change Per Share is $0.68 per quarter. Based on the YOY, the Book Value Change Per Share is $-1.48 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.12 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Central Valley Community Bancorp.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.502.5%0.542.7%0.562.8%0.502.5%0.381.9%
Usd Book Value Change Per Share-182.44-917.2%0.683.4%-1.48-7.4%0.080.4%0.180.9%
Usd Dividend Per Share0.120.6%0.120.6%0.120.6%0.110.6%0.090.4%
Usd Total Gains Per Share-182.32-916.6%0.804.0%-1.36-6.8%0.201.0%0.271.4%
Usd Price Per Share22.35-18.12-19.19-18.44-17.25-
Price to Earnings Ratio11.22-8.44-8.59-9.94-15.93-
Price-to-Total Gains Ratio-0.12-6.12--18.99-18.62-29.93-
Price to Book Ratio1.28-0.69-1.31-1.00-1.10-
Price-to-Total Gains Ratio-0.12-6.12--18.99-18.62-29.93-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share19.89
Number of shares50
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.120.11
Usd Book Value Change Per Share0.680.08
Usd Total Gains Per Share0.800.20
Gains per Quarter (50 shares)40.219.78
Gains per Year (50 shares)160.8439.10
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
124137151231629
248274312463268
3724114736949107
4965486349265146
512068579511581185
614382295613897224
71679591117160113263
819110951278183129302
921512321439206146341
1023913691600229162380

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%39.01.00.097.5%91.01.00.098.9%
Book Value Change Per Share2.02.00.050.0%6.06.00.050.0%12.08.00.060.0%28.012.00.070.0%70.022.00.076.1%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%74.00.018.080.4%
Total Gains per Share2.02.00.050.0%6.06.00.050.0%13.07.00.065.0%30.010.00.075.0%74.018.00.080.4%

Fundamentals of Central Valley Community Bancorp

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. It also provides products, such as 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. In addition, the company offers domestic and international wire transfer, inquiry, account status, bill paying, account transfers, and cash management and other customary banking services. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.

Fundamental data was last updated by Penke on 2024-03-20 14:46:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Central Valley Community Bancorp.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Central Valley Community Bancorp earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Central Valley Community Bancorp to the Banks - Regional industry mean.
  • A Net Profit Margin of 21.3% means that $0.21 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Central Valley Community Bancorp:

  • The MRQ is 21.3%. The company is making a huge profit. +2
  • The TTM is 27.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ21.3%TTM27.7%-6.4%
TTM27.7%YOY7,269.2%-7,241.6%
TTM27.7%5Y1,477.3%-1,449.7%
5Y1,477.3%10Y750.0%+727.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ21.3%18.4%+2.9%
TTM27.7%28.0%-0.3%
YOY7,269.2%25.2%+7,244.0%
5Y1,477.3%22.8%+1,454.5%
10Y750.0%19.8%+730.2%
1.1.2. Return on Assets

Shows how efficient Central Valley Community Bancorp is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Central Valley Community Bancorp to the Banks - Regional industry mean.
  • 0.2% Return on Assets means that Central Valley Community Bancorp generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Central Valley Community Bancorp:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.3%0.0%
TTM0.3%YOY0.3%0.0%
TTM0.3%5Y0.3%0.0%
5Y0.3%10Y0.3%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.1%+0.1%
TTM0.3%0.2%+0.1%
YOY0.3%0.2%+0.1%
5Y0.3%0.2%+0.1%
10Y0.3%0.2%+0.1%
1.1.3. Return on Equity

Shows how efficient Central Valley Community Bancorp is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Central Valley Community Bancorp to the Banks - Regional industry mean.
  • 2.8% Return on Equity means Central Valley Community Bancorp generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Central Valley Community Bancorp:

  • The MRQ is 2.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.4%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.8%TTM3.4%-0.5%
TTM3.4%YOY3.9%-0.5%
TTM3.4%5Y2.9%+0.5%
5Y2.9%10Y2.5%+0.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.8%1.4%+1.4%
TTM3.4%2.5%+0.9%
YOY3.9%2.7%+1.2%
5Y2.9%2.5%+0.4%
10Y2.5%2.8%-0.3%

1.2. Operating Efficiency of Central Valley Community Bancorp.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Central Valley Community Bancorp is operating .

  • Measures how much profit Central Valley Community Bancorp makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Central Valley Community Bancorp to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Central Valley Community Bancorp:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM29.8%-29.8%
TTM29.8%YOY13,078.7%-13,048.8%
TTM29.8%5Y2,652.3%-2,622.5%
5Y2,652.3%10Y1,350.7%+1,301.6%
1.2.2. Operating Ratio

Measures how efficient Central Valley Community Bancorp is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.19 means that the operating costs are $0.19 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Central Valley Community Bancorp:

  • The MRQ is 0.190. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.257.
Trends
Current periodCompared to+/- 
MRQ0.190TTM-0.257+0.447
TTM-0.257YOY1.549-1.806
TTM-0.2575Y0.186-0.444
5Y0.18610Y0.020+0.167

1.3. Liquidity of Central Valley Community Bancorp.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Central Valley Community Bancorp is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.03 means the company has $0.03 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Central Valley Community Bancorp:

  • The MRQ is 0.034. The company is unable to pay all its short-term debts. -2
  • The TTM is 5.507. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.034TTM5.507-5.473
TTM5.507YOY22.192-16.685
TTM5.5075Y24.583-19.076
5Y24.58310Y33.422-8.840
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM5.5070.124+5.383
YOY22.1920.225+21.967
5Y24.5830.219+24.364
10Y33.4220.131+33.291
1.3.2. Quick Ratio

Measures if Central Valley Community Bancorp is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Central Valley Community Bancorp to the Banks - Regional industry mean.
  • A Quick Ratio of 0.30 means the company can pay off $0.30 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Central Valley Community Bancorp:

  • The MRQ is 0.297. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 10.065. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.297TTM10.065-9.768
TTM10.065YOY41.619-31.554
TTM10.0655Y34.579-24.514
5Y34.57910Y45.522-10.943

1.4. Solvency of Central Valley Community Bancorp.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Central Valley Community Bancorp assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Central Valley Community Bancorp to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that Central Valley Community Bancorp assets are financed with 91.5% credit (debt) and the remaining percentage (100% - 91.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Central Valley Community Bancorp:

  • The MRQ is 0.915. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.474. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.915TTM0.474+0.441
TTM0.474YOY0.928-0.454
TTM0.4745Y0.805-0.331
5Y0.80510Y0.843-0.037
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9150.915+0.000
TTM0.4740.917-0.443
YOY0.9280.919+0.009
5Y0.8050.919-0.114
10Y0.8430.927-0.084
1.4.2. Debt to Equity Ratio

Measures if Central Valley Community Bancorp is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Central Valley Community Bancorp to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,077.3% means that company has $10.77 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Central Valley Community Bancorp:

  • The MRQ is 10.773. The company is unable to pay all its debts with equity. -1
  • The TTM is 6.016. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ10.773TTM6.016+4.758
TTM6.016YOY13.048-7.032
TTM6.0165Y8.085-2.070
5Y8.08510Y7.743+0.342
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.77310.829-0.056
TTM6.01611.013-4.997
YOY13.04811.363+1.685
5Y8.08511.437-3.352
10Y7.74313.038-5.295

2. Market Valuation of Central Valley Community Bancorp

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Central Valley Community Bancorp generates.

  • Above 15 is considered overpriced but always compare Central Valley Community Bancorp to the Banks - Regional industry mean.
  • A PE ratio of 11.22 means the investor is paying $11.22 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Central Valley Community Bancorp:

  • The EOD is 9.982. Based on the earnings, the company is underpriced. +1
  • The MRQ is 11.216. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.439. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD9.982MRQ11.216-1.235
MRQ11.216TTM8.439+2.777
TTM8.439YOY8.589-0.150
TTM8.4395Y9.944-1.505
5Y9.94410Y15.928-5.983
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.9827.491+2.491
MRQ11.2166.680+4.536
TTM8.4395.295+3.144
YOY8.5896.943+1.646
5Y9.9449.770+0.174
10Y15.9289.943+5.985
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Central Valley Community Bancorp:

  • The EOD is -75.234. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -84.539. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -12.035. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-75.234MRQ-84.539+9.305
MRQ-84.539TTM-12.035-72.504
TTM-12.035YOY-22.308+10.272
TTM-12.0355Y-1.562-10.474
5Y-1.56210Y5.673-7.234
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-75.234-2.094-73.140
MRQ-84.539-1.868-82.671
TTM-12.035-0.342-11.693
YOY-22.3086.448-28.756
5Y-1.5620.429-1.991
10Y5.6730.091+5.582
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Central Valley Community Bancorp is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.28 means the investor is paying $1.28 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Central Valley Community Bancorp:

  • The EOD is 1.137. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.277. Based on the equity, the company is underpriced. +1
  • The TTM is 0.690. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.137MRQ1.277-0.141
MRQ1.277TTM0.690+0.587
TTM0.690YOY1.313-0.623
TTM0.6905Y0.996-0.306
5Y0.99610Y1.102-0.106
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.1370.433+0.704
MRQ1.2770.386+0.891
TTM0.6900.470+0.220
YOY1.3130.642+0.671
5Y0.9960.795+0.201
10Y1.1021.025+0.077
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Central Valley Community Bancorp.

3.1. Institutions holding Central Valley Community Bancorp

Institutions are holding 52.568% of the shares of Central Valley Community Bancorp.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-09-30Fourthstone LLC9.98383.7784117989571660.6111
2023-12-31BlackRock Inc5.16430.00046103149119017.5661
2023-12-31Dimensional Fund Advisors, Inc.4.57240.0035540370-4952-0.9081
2023-12-31Vanguard Group Inc4.56360.000353932768821.2925
2023-12-31Private Management Group Inc4.49910.454853170090771.7368
2023-12-31Ameriprise Financial Inc2.83110.002233457734491.0416
2023-12-31Manufacturers Life Insurance Co2.28670.0036270241-107399-28.4395
2023-12-31Systematic Financial Management LP2.14010.16772529152410010.5325
2023-12-31Geode Capital Management, LLC1.80050.0005212780153317.7645
2023-12-31Hotchkis & Wiley Capital Management LLC1.33870.0126158210-5800-3.5364
2023-12-31Siena Capital Management, LLC1.24761.033514743900
2023-12-31State Street Corporation0.9930.000111735915761.3612
2023-12-31Bridgeway Capital Management, LLC0.79980.04539452052855.9226
2023-12-31LSV Asset Management0.74720.004388300-4400-4.7465
2023-12-31Acadian Asset Management LLC0.72880.00758612600
2023-12-31American Century Companies Inc0.7040.001383200-14-0.0168
2023-12-31Northern Trust Corp0.68030.000380394-166-0.2061
2023-12-31Bank of New York Mellon Corp0.60920.0003719961382323.7619
2023-12-31Renaissance Technologies Corp0.50390.002159556-1100-1.8135
2023-12-31Clarivest Asset Management LLC0.4140.06064893111682.4454
Total 46.60815.57935508150+55216+1.0%

3.2. Funds holding Central Valley Community Bancorp

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29Vanguard Total Stock Mkt Idx Inv2.83670.000433524400
2024-02-29iShares Russell 2000 ETF2.14080.0076253001-41-0.0162
2024-02-29Columbia Small Cap Value I A1.74280.2892205960-400-0.1938
2023-12-31Columbia Small Cap Value I1.73430.335620496024001.1848
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.18150.002613963600
2024-01-31JH Financial Opportunities1.07260.354612676000
2024-01-31DFA US Small Cap Value I1.05490.01612467400
2023-12-31Fidelity Small Cap Index0.84430.008899785925210.2195
2024-02-01iShares Russell 2000 Value ETF0.83030.0154981271240.1265
2024-01-31JHancock Regional Bank A0.76180.21989002800
2024-02-29Avantis US Small Cap Value ETF0.73770.01598718600
2024-02-29Columbia VP Small Cap Value 10.6990.29128260800
2024-01-31DFA US Targeted Value I0.65090.01167692800
2023-12-31Bridgeway Omni Small-Cap Value N0.46540.09595500000
2023-12-31Bridgeway Omni Small-Cap Value0.46540.09575500000
2024-01-31Fidelity Extended Market Index0.4630.0035471200
2024-01-31DFA US Micro Cap I0.44770.01515290900
2024-01-31DFA US Small Cap I0.42760.00675053700
2024-02-29Dimensional US Targeted Value ETF0.34630.0084092100
2023-12-31Acuitas US Microcap Strategy0.34020.23934020000
Total 19.24322.03242274176+11335+0.5%

3.3. Insider Transactions

Insiders are holding 15.015% of the shares of Central Valley Community Bancorp.

DateOwnerTypeAmountPricePost Transaction AmountLink
2023-11-30Dawn M CagleBUY11513.4
2023-08-31Dawn M CagleBUY10013.16
2023-06-01Dawn M CagleBUY11912.99
2023-06-01James J KimBUY25412.99
2023-05-15Daniel J DoyleBUY100012.86
2023-05-02Jeffrey Michael MartinBUY120014
2023-04-28Daniel N CunninghamBUY200014.73
2023-04-28James J KimBUY423514.36
2023-04-28Shannon R AvrettBUY25015.18

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Central Valley Community Bancorp compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---182.4410.685-26746%-1.475-99%0.081-225665%0.184-99321%
Book Value Per Share--17.501109.344-84%14.524+20%35.894-51%24.497-29%
Current Ratio--0.0345.507-99%22.192-100%24.583-100%33.422-100%
Debt To Asset Ratio--0.9150.474+93%0.928-1%0.805+14%0.843+9%
Debt To Equity Ratio--10.7736.016+79%13.048-17%8.085+33%7.743+39%
Dividend Per Share--0.1200.120+0%0.119+1%0.115+5%0.087+38%
Eps--0.4980.540-8%0.563-11%0.496+0%0.381+31%
Free Cash Flow Per Share---0.0660.381-117%0.504-113%0.485-114%0.438-115%
Free Cash Flow To Equity Per Share---2.484-0.242-90%1.370-281%3.785-166%2.041-222%
Gross Profit Margin--0.9730.979-1%0.979-1%0.973+0%0.956+2%
Intrinsic Value_10Y_max--12.854--------
Intrinsic Value_10Y_min---23.313--------
Intrinsic Value_1Y_max--2.163--------
Intrinsic Value_1Y_min--1.064--------
Intrinsic Value_3Y_max--5.833--------
Intrinsic Value_3Y_min--0.271--------
Intrinsic Value_5Y_max--8.698--------
Intrinsic Value_5Y_min---3.722--------
Market Cap235332513.000-12%264438495.000214419983.250+23%227226561.688+16%228986868.193+15%215578225.776+23%
Net Profit Margin--0.2130.277-23%72.692-100%14.773-99%7.500-97%
Operating Margin---0.298-100%130.787-100%26.523-100%13.507-100%
Operating Ratio--0.190-0.257+236%1.549-88%0.186+2%0.020+854%
Pb Ratio1.137-12%1.2770.690+85%1.313-3%0.996+28%1.102+16%
Pe Ratio9.982-12%11.2168.439+33%8.589+31%9.944+13%15.928-30%
Price Per Share19.890-12%22.35018.123+23%19.185+16%18.439+21%17.254+30%
Price To Free Cash Flow Ratio-75.234+11%-84.539-12.035-86%-22.308-74%-1.562-98%5.673-1590%
Price To Total Gains Ratio-0.109+11%-0.1236.119-102%-18.987+15388%18.616-101%29.929-100%
Quick Ratio--0.29710.065-97%41.619-99%34.579-99%45.522-99%
Return On Assets--0.0020.003-7%0.003-13%0.003-17%0.003-9%
Return On Equity--0.0280.034-16%0.039-27%0.029-3%0.025+16%
Total Gains Per Share---182.3210.804-22771%-1.356-99%0.196-93349%0.271-67501%
Usd Book Value--207064000.0001293725750.000-84%172004000.000+20%434934150.000-52%299441650.000-31%
Usd Book Value Change Per Share---182.4410.685-26746%-1.475-99%0.081-225665%0.184-99321%
Usd Book Value Per Share--17.501109.344-84%14.524+20%35.894-51%24.497-29%
Usd Dividend Per Share--0.1200.120+0%0.119+1%0.115+5%0.087+38%
Usd Eps--0.4980.540-8%0.563-11%0.496+0%0.381+31%
Usd Free Cash Flow---782000.0004511500.000-117%5958000.000-113%6001350.000-113%5456250.000-114%
Usd Free Cash Flow Per Share---0.0660.381-117%0.504-113%0.485-114%0.438-115%
Usd Free Cash Flow To Equity Per Share---2.484-0.242-90%1.370-281%3.785-166%2.041-222%
Usd Market Cap235332513.000-12%264438495.000214419983.250+23%227226561.688+16%228986868.193+15%215578225.776+23%
Usd Price Per Share19.890-12%22.35018.123+23%19.185+16%18.439+21%17.254+30%
Usd Profit--5894000.0006384000.000-8%6661250.000-12%6118550.000-4%4728150.000+25%
Usd Revenue--27716000.00023409750.000+18%16071250.000+72%19521800.000+42%16932150.000+64%
Usd Total Gains Per Share---182.3210.804-22771%-1.356-99%0.196-93349%0.271-67501%
 EOD+4 -4MRQTTM+7 -29YOY+15 -215Y+10 -2610Y+13 -23

4.2. Fundamental Score

Let's check the fundamental score of Central Valley Community Bancorp based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-159.982
Price to Book Ratio (EOD)Between0-11.137
Net Profit Margin (MRQ)Greater than00.213
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.297
Current Ratio (MRQ)Greater than10.034
Debt to Asset Ratio (MRQ)Less than10.915
Debt to Equity Ratio (MRQ)Less than110.773
Return on Equity (MRQ)Greater than0.150.028
Return on Assets (MRQ)Greater than0.050.002
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of Central Valley Community Bancorp based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5064.254
Ma 20Greater thanMa 5019.061
Ma 50Greater thanMa 10018.840
Ma 100Greater thanMa 20019.080
OpenGreater thanClose19.630
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Long-term Assets Other  -48,612-955,236-1,003,8488,939-994,90928,194-966,7153,190,0822,223,367
Cash and Short Term Investments  679,99515,791695,78652,631748,417-80,412668,005-698,022-30,017



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets2,437,865
Total Liabilities2,230,801
Total Stockholder Equity207,064
 As reported
Total Liabilities 2,230,801
Total Stockholder Equity+ 207,064
Total Assets = 2,437,865

Assets

Total Assets2,437,865
Total Current Assets64,626
Long-term Assets2,373,239
Total Current Assets
Cash And Cash Equivalents 53,728
Short-term Investments 597,196
Total Current Assets  (as reported)64,626
Total Current Assets  (calculated)650,924
+/- 586,298
Long-term Assets
Property Plant Equipment 22,353
Goodwill 53,777
Long Term Investments 906,287
Long-term Assets Other 2,223,367
Long-term Assets  (as reported)2,373,239
Long-term Assets  (calculated)3,205,784
+/- 832,545

Liabilities & Shareholders' Equity

Total Current Liabilities1,910,945
Long-term Liabilities319,856
Total Stockholder Equity207,064
Total Current Liabilities
Short-term Debt 82,214
Short Long Term Debt 80,000
Other Current Liabilities 1,828,731
Total Current Liabilities  (as reported)1,910,945
Total Current Liabilities  (calculated)1,990,945
+/- 80,000
Long-term Liabilities
Long term Debt 69,744
Long-term Liabilities  (as reported)319,856
Long-term Liabilities  (calculated)69,744
+/- 250,112
Total Stockholder Equity
Common Stock62,550
Retained Earnings 210,548
Accumulated Other Comprehensive Income -66,034
Total Stockholder Equity (as reported)207,064
Total Stockholder Equity (calculated)207,064
+/-0
Other
Capital Stock62,550
Cash and Short Term Investments -30,017
Common Stock Shares Outstanding 11,774
Liabilities and Stockholders Equity 2,437,865
Net Debt 105,136
Net Invested Capital 356,808
Net Working Capital -1,846,319
Property Plant and Equipment Gross 31,692
Short Long Term Debt Total 158,864



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-31
> Total Assets 
193,671
203,266
218,888
219,066
237,754
247,818
269,928
283,006
288,535
311,914
316,072
327,930
336,205
350,865
357,059
368,147
449,551
450,552
461,688
483,677
474,151
463,880
469,924
500,059
472,211
489,516
477,502
483,685
495,561
522,510
524,636
752,713
766,961
747,623
758,744
765,488
759,501
755,989
765,037
777,594
766,690
792,929
834,908
849,023
834,684
836,044
887,737
890,228
886,369
871,372
1,091,787
1,145,635
1,139,502
1,160,688
1,164,119
1,192,183
1,198,409
1,217,102
1,233,995
1,276,736
1,271,543
1,290,809
1,307,775
1,443,323
1,459,534
1,444,836
1,423,026
1,661,655
1,622,997
1,589,903
1,519,426
1,537,836
1,564,237
1,613,227
1,584,127
1,596,755
1,618,646
1,913,731
1,950,560
2,004,096
2,200,523
2,280,550
2,348,377
2,450,139
2,423,030
2,346,221
2,425,698
2,422,519
2,463,893
2,489,807
2,435,359
2,437,865
2,437,8652,435,3592,489,8072,463,8932,422,5192,425,6982,346,2212,423,0302,450,1392,348,3772,280,5502,200,5232,004,0961,950,5601,913,7311,618,6461,596,7551,584,1271,613,2271,564,2371,537,8361,519,4261,589,9031,622,9971,661,6551,423,0261,444,8361,459,5341,443,3231,307,7751,290,8091,271,5431,276,7361,233,9951,217,1021,198,4091,192,1831,164,1191,160,6881,139,5021,145,6351,091,787871,372886,369890,228887,737836,044834,684849,023834,908792,929766,690777,594765,037755,989759,501765,488758,744747,623766,961752,713524,636522,510495,561483,685477,502489,516472,211500,059469,924463,880474,151483,677461,688450,552449,551368,147357,059350,865336,205327,930316,072311,914288,535283,006269,928247,818237,754219,066218,888203,266193,671
   > Total Current Assets 
75,775
74,844
83,918
20,442
75,464
72,902
84,972
96,527,252
92,514
117,200
110,037
120,219
127,576
121,573
110,741
116,490
317,120
328,913
341,547
364,932
354,791
349,720
361,785
381,477
361,722
384,043
376,493
384,611
379,661
410,898
411,776
527,256
554,511
546,122
556,912
536,455
535,956
538,533
545,243
555,651
529,025
549,388
542,444
490,378
480,354
482,566
492,423
465,851
487,974
466,102
631,849
660,273
643,766
645,785
643,478
686,474
697,538
713,942
708,284
727,237
729,656
740,793
716,955
844,553
879,485
865,943
857,475
1,052,749
1,012,172
1,032,900
1,012,153
1,001,844
1,012,997
1,065,814
1,043,061
1,055,264
1,025,220
1,299,010
1,248,661
1,223,182
1,361,169
1,257,535
1,092,996
1,171,330
1,306,054
805,825
790,522
756,860
774,317
748,417
668,005
64,626
64,626668,005748,417774,317756,860790,522805,8251,306,0541,171,3301,092,9961,257,5351,361,1691,223,1821,248,6611,299,0101,025,2201,055,2641,043,0611,065,8141,012,9971,001,8441,012,1531,032,9001,012,1721,052,749857,475865,943879,485844,553716,955740,793729,656727,237708,284713,942697,538686,474643,478645,785643,766660,273631,849466,102487,974465,851492,423482,566480,354490,378542,444549,388529,025555,651545,243538,533535,956536,455556,912546,122554,511527,256411,776410,898379,661384,611376,493384,043361,722381,477361,785349,720354,791364,932341,547328,913317,120116,490110,741121,573127,576120,219110,037117,20092,51496,527,25284,97272,90275,46420,44283,91874,84475,775
       Cash And Cash Equivalents 
10,181
14,494
16,923
13,963
15,048
15,693
19,612
19,304
18,718
23,268
20,073
24,875
27,534
27,921
23,515
20,112
18,807
20,413
22,739
23,083
19,478
20,621
18,048
24,221
17,463
24,011
16,697
17,108
18,291
26,911
19,461
18,061
13,660
16,979
18,601
48,401
55,783
43,414
61,010
100,399
83,570
93,338
97,282
43,876
51,425
46,874
76,198
52,528
77,769
37,421
82,044
111,834
95,271
66,600
54,717
76,962
85,187
82,095
75,020
94,327
78,349
79,522
45,077
38,553
69,506
54,537
35,689
100,366
42,108
46,623
47,276
31,679
32,166
48,526
42,947
52,574
36,162
118,557
87,010
70,278
214,841
120,666
67,693
163,467
88,837
27,233
41,578
31,170
64,262
128,658
74,575
53,728
53,72874,575128,65864,26231,17041,57827,23388,837163,46767,693120,666214,84170,27887,010118,55736,16252,57442,94748,52632,16631,67947,27646,62342,108100,36635,68954,53769,50638,55345,07779,52278,34994,32775,02082,09585,18776,96254,71766,60095,271111,83482,04437,42177,76952,52876,19846,87451,42543,87697,28293,33883,570100,39961,01043,41455,78348,40118,60116,97913,66018,06119,46126,91118,29117,10816,69724,01117,46324,22118,04820,62119,47823,08322,73920,41318,80720,11223,51527,92127,53424,87520,07323,26818,71819,30419,61215,69315,04813,96316,92314,49410,181
       Short-term Investments 
65,694
60,450
67,095
4,160
60,516
57,309
65,460
77,723,547
74,296
94,432
90,464
95,844
100,542
96,520
90,898
98,983
118,950
108,277
106,948
30,748
106,116
101,067
94,380
24,541
94,964
89,591
85,225
14,536
101,224
96,635
90,533
1,457
173,767
163,642
166,395
34,823
192,219
186,436
189,079
191,325
207,403
213,129
262,050
328,413
323,748
322,931
364,808
393,965
367,979
374,840
417,833
443,224
422,073
441,223
447,016
432,535
427,811
430,260
452,842
477,554
501,978
510,401
551,075
547,749
529,240
528,127
515,077
542,704
544,685
484,001
434,697
463,905
479,622
476,211
469,927
470,746
522,943
544,502
631,854
710,092
768,719
952,416
1,060,362
1,109,208
1,161,756
710,481
668,300
648,825
631,524
619,759
593,430
597,196
597,196593,430619,759631,524648,825668,300710,4811,161,7561,109,2081,060,362952,416768,719710,092631,854544,502522,943470,746469,927476,211479,622463,905434,697484,001544,685542,704515,077528,127529,240547,749551,075510,401501,978477,554452,842430,260427,811432,535447,016441,223422,073443,224417,833374,840367,979393,965364,808322,931323,748328,413262,050213,129207,403191,325189,079186,436192,21934,823166,395163,642173,7671,45790,53396,635101,22414,53685,22589,59194,96424,54194,380101,067106,11630,748106,948108,277118,95098,98390,89896,520100,54295,84490,46494,43274,29677,723,54765,46057,30960,5164,16067,09560,45065,694
       Net Receivables 
0
0
0
6,479
7,294
8,466
8,275
8,632
8,873
8,661
9,223
1,239
9,283
10,847
9,472
5,944
5,071
4,470
5,137
5,172
5,114
5,736
4,959
6,148
5,871
6,651
6,293
6,981
7,039
9,515
10,190
16,775
18,578
19,092
16,426
21,798
20,953
19,440
18,007
18,304
18,777
15,828
14,910
15,027
13,348
12,970
10,669
11,697
12,305
17,150
20,237
20,940
17,147
15,604
15,590
19,118
16,998
19,590
17,421
18,594
26,466
14,284
26,149
29,900
25,850
22,584
22,743
25,815
26,427
25,359
26,822
25,181
31,554
30,480
30,907
32,148
33,828
33,313
31,055
29,164
33,563
32,706
31,628
32,710
55,461
61,394
80,644
76,865
78,531
0
0
0
00078,53176,86580,64461,39455,46132,71031,62832,70633,56329,16431,05533,31333,82832,14830,90730,48031,55425,18126,82225,35926,42725,81522,74322,58425,85029,90026,14914,28426,46618,59417,42119,59016,99819,11815,59015,60417,14720,94020,23717,15012,30511,69710,66912,97013,34815,02714,91015,82818,77718,30418,00719,44020,95321,79816,42619,09218,57816,77510,1909,5157,0396,9816,2936,6515,8716,1484,9595,7365,1145,1725,1374,4705,0715,9449,47210,8479,2831,2399,2238,6618,8738,6328,2758,4667,2946,479000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
293,242
304,030
313,671
336,677
330,199
323,363
338,778
351,108
338,388
353,381
353,503
360,522
354,331
374,472
382,125
492,420
522,273
510,051
521,885
466,256
459,220
475,679
466,226
436,948
426,678
440,222
430,252
431,475
415,581
422,722
405,556
7,661
29,931
36,691
111,735
84,275
109,275
122,358
126,155
157,859
167,542
181,997
163,001
136,762
122,863
136,586
94,654
228,351
254,889
260,695
283,966
383,864
406,248
476,917
503,358
481,079
469,655
510,597
499,280
499,796
432,287
602,638
498,742
413,648
344,046
151,747
57,978
-134,055
55,461
-654
51,194
41,717
68,035
132,630
78,800
64,626
64,62678,800132,63068,03541,71751,194-65455,461-134,05557,978151,747344,046413,648498,742602,638432,287499,796499,280510,597469,655481,079503,358476,917406,248383,864283,966260,695254,889228,35194,654136,586122,863136,762163,001181,997167,542157,859126,155122,358109,27584,275111,73536,69129,9317,661405,556422,722415,581431,475430,252440,222426,678436,948466,226475,679459,220466,256521,885510,051522,273492,420382,125374,472354,331360,522353,503353,381338,388351,108338,778323,363330,199336,677313,671304,030293,2420000000000000000
   > Long-term Assets 
1,962
1,900
1,827
63,667
2,803
2,881
2,872
3,135,757
3,087
3,055
3,048
2,985
2,897
2,897
2,829
2,724
132,431
121,639
120,141
118,745
119,360
114,160
108,139
118,582
110,489
105,473
101,009
99,074
115,900
111,612
112,860
225,457
212,450
201,501
201,832
229,033
223,545
217,456
219,794
221,943
237,665
243,541
292,464
358,645
354,330
353,478
395,314
424,377
398,385
405,270
459,938
485,362
495,736
514,903
520,641
505,709
500,871
503,160
525,711
549,499
541,887
550,016
590,820
598,770
580,049
578,893
565,551
608,906
610,825
557,003
507,273
535,992
551,240
547,413
541,066
541,491
593,426
614,721
701,899
780,914
839,354
1,023,015
1,130,716
1,179,303
1,231,164
1,085,294
1,042,114
1,022,322
1,003,848
994,909
966,715
2,373,239
2,373,239966,715994,9091,003,8481,022,3221,042,1141,085,2941,231,1641,179,3031,130,7161,023,015839,354780,914701,899614,721593,426541,491541,066547,413551,240535,992507,273557,003610,825608,906565,551578,893580,049598,770590,820550,016541,887549,499525,711503,160500,871505,709520,641514,903495,736485,362459,938405,270398,385424,377395,314353,478354,330358,645292,464243,541237,665221,943219,794217,456223,545229,033201,832201,501212,450225,457112,860111,612115,90099,074101,009105,473110,489118,582108,139114,160119,360118,745120,141121,639132,4312,7242,8292,8972,8972,9853,0483,0553,0873,135,7572,8722,8812,80363,6671,8271,9001,962
       Property Plant Equipment 
4,127
3,781
3,401
3,081
3,773
3,604
3,357
3,136
3,087
3,055
3,048
2,985
2,897
2,897
2,829
2,724
3,080
3,014
2,899
2,912
3,078
2,981
3,700
4,655
5,573
5,984
5,940
5,767
5,742
6,043
5,940
6,900
6,673
6,566
6,518
6,525
6,241
6,038
5,837
5,843
5,591
5,845
5,950
5,872
6,272
6,287
6,296
6,252
6,313
6,370
10,565
10,541
10,561
10,540
10,443
9,949
9,787
9,577
9,494
9,292
9,002
8,742
8,906
9,407
9,162
9,166
8,920
9,398
9,429
9,131
8,869
8,484
8,096
7,742
7,804
7,618
7,410
7,257
7,257
8,228
8,349
8,465
8,429
8,380
8,178
8,060
7,909
7,987
8,040
10,939
9,703
22,353
22,3539,70310,9398,0407,9877,9098,0608,1788,3808,4298,4658,3498,2287,2577,2577,4107,6187,8047,7428,0968,4848,8699,1319,4299,3988,9209,1669,1629,4078,9068,7429,0029,2929,4949,5779,7879,94910,44310,54010,56110,54110,5656,3706,3136,2526,2966,2876,2725,8725,9505,8455,5915,8435,8376,0386,2416,5256,5186,5666,6736,9005,9406,0435,7425,7675,9405,9845,5734,6553,7002,9813,0782,9122,8993,0143,0802,7242,8292,8972,8972,9853,0483,0553,0873,1363,3573,6043,7733,0813,4013,7814,127
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,955
8,955
8,955
8,955
0
0
0
8,934
0
0
0
8,934
8,934
8,934
8,934
23,773
23,773
23,773
23,773
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
23,577
29,776
29,917
29,917
29,917
29,917
29,917
29,917
29,917
29,917
29,917
29,917
29,917
29,917
40,231
40,311
40,311
40,311
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,777
53,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77753,77740,31140,31140,31140,23129,91729,91729,91729,91729,91729,91729,91729,91729,91729,91729,91729,91729,77623,57723,57723,57723,57723,57723,57723,57723,57723,57723,57723,57723,57723,57723,57723,57723,77323,77323,77323,7738,9348,9348,9348,9340008,9340008,9558,9558,9558,9550000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
425,305
414,735
415,999
398,063
404,203
388,922
385,185
381,476
395,343
505,501
503,149
537,689
569,559
579,084
596,244
600,690
619,013
622,564
620,213
598,864
621,152
620,528
747,302
755,176
759,691
769,810
891,901
1,453,386
1,417,169
1,344,733
1,380,750
1,399,660
1,434,475
1,410,442
1,412,468
1,449,758
1,664,111
1,734,741
1,807,158
1,854,503
959,938
1,067,848
1,116,624
2,163,934
1,023,215
980,326
960,490
942,031
930,193
903,235
906,287
906,287903,235930,193942,031960,490980,3261,023,2152,163,9341,116,6241,067,848959,9381,854,5031,807,1581,734,7411,664,1111,449,7581,412,4681,410,4421,434,4751,399,6601,380,7501,344,7331,417,1691,453,386891,901769,810759,691755,176747,302620,528621,152598,864620,213622,564619,013600,690596,244579,084569,559537,689503,149505,501395,343381,476385,185388,922404,203398,063415,999414,735425,30500000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,446
1,393
1,339
1,286
10,166
10,112
10,059
1,071
9,952
9,898
9,844
9,791
7,039
9,515
10,190
2,026
1,923
1,819
1,716
1,612
1,508
1,405
1,301
1,198
1,094
990
887
783
733
683
633
583
533
483
1,764
1,680
1,596
1,512
1,428
1,344
1,260
1,176
1,091
1,024
990
956
922
1,383
1,336
1,289
1,243
3,027
2,934
2,840
2,746
2,572
2,399
2,225
2,051
1,878
1,704
1,530
1,356
1,183
1,009
835
662
522
382
242
102
68
0
0
0
0
0000681022423825226628351,0091,1831,3561,5301,7041,8782,0512,2252,3992,5722,7462,8402,9343,0271,2431,2891,3361,3839229569901,0241,0911,1761,2601,3441,4281,5121,5961,6801,7644835335836336837337838879901,0941,1981,3011,4051,5081,6121,7161,8191,9232,02610,1909,5157,0399,7919,8449,8989,9521,07110,05910,11210,1661,2861,3391,3931,4460000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
496,284
504,547
488,189
512,659
550,046
644,013
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000644,013550,046512,659488,189504,547496,284000000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Assets Other 
-67,859
-62,331
-68,669
-63,667
-61,486
-58,032
-65,945
3,054,898
-74,296
-94,432
-90,464
-95,844
-100,542
-96,520
-90,898
-98,983
10,401
10,348
10,294
10,241
10,166
10,112
10,059
10,005
9,952
9,898
9,844
8,934
8,934
8,934
8,934
25,799
-186,754
-175,909
-176,343
-203,844
-198,460
-192,474
-194,916
-197,168
-212,994
242,390
182,321
117,161
104,706
112,151
50,696
18,930
-17
53,811
131,818
104,997
126,162
137,667
141,414
176,611
184,356
201,350
180,156
155,066
149,022
150,840
120,802
258,236
280,717
283,231
306,709
409,662
432,560
502,269
530,149
506,212
501,140
541,000
530,097
531,944
466,115
635,951
-646,766
-725,954
-784,568
-968,403
0
-1,125,004
102,327
421,539
-1,042,114
-48,612
-1,003,848
-994,909
-966,715
2,223,367
2,223,367-966,715-994,909-1,003,848-48,612-1,042,114421,539102,327-1,125,0040-968,403-784,568-725,954-646,766635,951466,115531,944530,097541,000501,140506,212530,149502,269432,560409,662306,709283,231280,717258,236120,802150,840149,022155,066180,156201,350184,356176,611141,414137,667126,162104,997131,81853,811-1718,93050,696112,151104,706117,161182,321242,390-212,994-197,168-194,916-192,474-198,460-203,844-176,343-175,909-186,75425,7998,9348,9348,9348,9349,8449,8989,95210,00510,05910,11210,16610,24110,29410,34810,401-98,983-90,898-96,520-100,542-95,844-90,464-94,432-74,2963,054,898-65,945-58,032-61,486-63,667-68,669-62,331-67,859
> Total Liabilities 
174,043
183,284
197,837
198,239
216,508
225,592
245,996
258,907
263,836
286,279
290,070
301,210
308,147
323,840
327,862
338,541
413,561
411,833
421,640
442,154
431,137
419,382
422,043
450,281
421,260
438,595
424,792
429,491
440,919
468,368
469,530
677,338
684,914
666,870
673,322
674,265
665,341
660,538
666,543
680,203
667,147
689,087
728,561
741,541
723,952
722,785
770,251
772,563
769,144
759,830
964,914
1,025,592
1,013,334
1,029,757
1,031,106
1,061,138
1,063,862
1,083,794
1,096,542
1,137,413
1,125,764
1,134,134
1,151,453
1,279,290
1,289,406
1,267,669
1,241,794
1,452,096
1,415,054
1,378,719
1,305,991
1,318,098
1,336,782
1,381,547
1,350,945
1,368,627
1,399,973
1,685,173
1,714,780
1,759,075
1,958,678
2,029,501
2,101,829
2,202,294
2,231,370
2,183,339
2,266,884
2,247,859
2,281,841
69,671
69,708
2,230,801
2,230,80169,70869,6712,281,8412,247,8592,266,8842,183,3392,231,3702,202,2942,101,8292,029,5011,958,6781,759,0751,714,7801,685,1731,399,9731,368,6271,350,9451,381,5471,336,7821,318,0981,305,9911,378,7191,415,0541,452,0961,241,7941,267,6691,289,4061,279,2901,151,4531,134,1341,125,7641,137,4131,096,5421,083,7941,063,8621,061,1381,031,1061,029,7571,013,3341,025,592964,914759,830769,144772,563770,251722,785723,952741,541728,561689,087667,147680,203666,543660,538665,341674,265673,322666,870684,914677,338469,530468,368440,919429,491424,792438,595421,260450,281422,043419,382431,137442,154421,640411,833413,561338,541327,862323,840308,147301,210290,070286,279263,836258,907245,996225,592216,508198,239197,837183,284174,043
   > Total Current Liabilities 
2,266
2,949
3,347
196,200
209,500
217,600
238,000
5,569
9,855
10,263
10,338
10,645
7,073
6,087
6,334
5,855
7,111
6,745
7,372
7,915
10,098
18,030
8,985
9,654
7,510
16,688
16,716
26,929
11,652
32,321
28,344
18,125
15,000
15,000
5,000
14,943
10,000
10,000
10,000
20,553
657,900
679,900
719,400
19,400
4,000
14,879
27,810
15,976
27,230
16,278
15,970
16,294
17,183
15,390
17,088
16,831
16,844
16,016
16,533
15,991
17,130
18,569
18,801
18,156
16,935
17,123
18,254
21,254
18,989
49,353
25,307
30,645
39,063
82,305
36,044
30,187
44,227
30,461
28,411
31,210
31,120
45,252
38,582
40,043
29,520
37,816
58,177
78,611
36,459
1,799,314
1,964,368
1,910,945
1,910,9451,964,3681,799,31436,45978,61158,17737,81629,52040,04338,58245,25231,12031,21028,41130,46144,22730,18736,04482,30539,06330,64525,30749,35318,98921,25418,25417,12316,93518,15618,80118,56917,13015,99116,53316,01616,84416,83117,08815,39017,18316,29415,97016,27827,23015,97627,81014,8794,00019,400719,400679,900657,90020,55310,00010,00010,00014,9435,00015,00015,00018,12528,34432,32111,65226,92916,71616,6887,5109,6548,98518,03010,0987,9157,3726,7457,1115,8556,3346,0877,07310,64510,33810,2639,8555,569238,000217,600209,500196,2003,3472,9492,266
       Short-term Debt 
0
0
0
1,000
6,000
7,000
3,000
2,000
7,000
7,000
7,000
7,000
4,000
3,000
3,000
2,000
2,781
2,625
2,938
3,250
3,250
13,038
3,250
3,250
938
10,625
10,313
20,000
5,000
19,900
19,900
6,368
15,000
15,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
0
0
0
4,000
4,000
4,000
4,000
4,000
0
0
0
0
0
0
5,155
0
0
0
5,155
400
400
400
400
400
5,155
5,155
5,155
5,155
30,000
5,155
10,000
7,000
54,000
5,000
0
0
0
631,854
710,092
768,719
952,416
1,060,362
1,109,208
0
9,324
25,000
46,000
0
0
0
82,214
82,21400046,00025,0009,32401,109,2081,060,362952,416768,719710,092631,8540005,00054,0007,00010,0005,15530,0005,1555,1555,1555,1554004004004004005,1550005,1550000004,0004,0004,0004,0004,00000010,00010,00010,00010,00010,0005,0005,00015,00015,0006,36819,90019,9005,00020,00010,31310,6259383,2503,25013,0383,2503,2502,9382,6252,7812,0003,0003,0004,0007,0007,0007,0007,0002,0003,0007,0006,0001,000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,155
0
0
0
5,155
400
400
400
5,555
5,155
5,155
5,155
5,155
5,155
35,155
5,155
0
7,000
54,000
5,000
0
0
0
0
0
0
0
0
0
0
9,324
25,000
46,000
0
0
0
80,000
80,00000046,00025,0009,32400000000005,00054,0007,00005,15535,1555,1555,1555,1555,1555,1555,5554004004005,1550005,1550000000000000000000000000000000000000000000000000000000
       Accounts payable 
2,266
2,949
3,347
3,106
3,317
3,011
2,717
3,569
2,855
3,263
3,338
3,645
3,073
3,087
3,334
3,855
4,330
4,120
4,434
4,665
6,848
4,992
5,735
6,404
6,572
6,063
6,403
6,929
6,652
12,421
8,444
11,757
639,076
621,719
638,063
9,943
636,293
631,309
636,517
10,553
644,177
668,897
706,291
19,400
703,396
10,879
23,810
11,976
27,230
16,278
15,970
16,294
17,183
15,390
17,088
16,831
16,844
16,016
16,533
15,991
17,130
18,569
18,801
17,756
16,935
17,123
18,254
21,254
18,989
19,353
25,307
20,645
32,063
28,305
31,044
30,187
44,227
30,461
28,411
31,210
31,120
45,252
38,582
40,043
29,520
28,492
33,177
32,611
36,459
0
2,148,842
0
02,148,842036,45932,61133,17728,49229,52040,04338,58245,25231,12031,21028,41130,46144,22730,18731,04428,30532,06320,64525,30719,35318,98921,25418,25417,12316,93517,75618,80118,56917,13015,99116,53316,01616,84416,83117,08815,39017,18316,29415,97016,27827,23011,97623,81010,879703,39619,400706,291668,897644,17710,553636,517631,309636,2939,943638,063621,719639,07611,7578,44412,4216,6526,9296,4036,0636,5726,4045,7354,9926,8484,6654,4344,1204,3303,8553,3343,0873,0733,6453,3383,2632,8553,5692,7173,0113,3173,1063,3472,9492,266
       Other Current Liabilities 
-2,266
-2,949
-3,347
192,094
200,183
207,589
232,283
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
668,897
706,291
-19,400
703,396
702,751
737,286
751,432
-27,230
-16,278
-15,970
-16,294
-17,183
-15,390
-17,088
-16,831
-16,844
-16,016
-16,533
-15,991
-17,130
-18,569
-18,801
1,255,979
-16,935
-17,123
-18,254
-21,254
-18,989
1,324,211
-25,307
1,282,298
1,292,564
1,294,087
1,309,746
-30,187
-44,227
-30,461
-28,411
-31,210
-31,120
-45,252
-38,582
-40,043
-29,520
2,105,997
-58,177
-78,611
-36,459
1,799,314
1,964,368
1,828,731
1,828,7311,964,3681,799,314-36,459-78,611-58,1772,105,997-29,520-40,043-38,582-45,252-31,120-31,210-28,411-30,461-44,227-30,1871,309,7461,294,0871,292,5641,282,298-25,3071,324,211-18,989-21,254-18,254-17,123-16,9351,255,979-18,801-18,569-17,130-15,991-16,533-16,016-16,844-16,831-17,088-15,390-17,183-16,294-15,970-16,278-27,230751,432737,286702,751703,396-19,400706,291668,8970000000000000000000000000000000000232,283207,589200,183192,094-3,347-2,949-2,266
   > Long-term Liabilities 
21
5
0
2,000
7,000
8,000
8,000
7,000
2,000
1,000
1,000
294,210
4,000
4,000
4,000
6,500
3,719
3,875
3,562
3,250
938
625
313
447,031
420,322
427,970
414,479
0
19,000
19,000
19,000
24,155
19,155
19,155
19,155
19,155
9,155
9,155
9,155
9,155
9,155
9,155
9,155
9,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
14,036
5,155
5,155
5,155
39,454
39,490
39,526
58,177
78,611
36,459
69,671
69,708
319,856
319,85669,70869,67136,45978,61158,17739,52639,49039,4545,1555,1555,15514,0365,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1559,1559,1559,1559,1559,1559,1559,1559,15519,15519,15519,15519,15524,15519,00019,00019,0000414,479427,970420,322447,0313136259383,2503,5623,8753,7196,5004,0004,0004,000294,2101,0001,0002,0007,0008,0008,0007,0002,0000521
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,155
9,155
9,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
5,155
0
39,454
39,490
39,526
69,563
69,599
69,635
69,671
0
0
0069,67169,63569,59969,56339,52639,49039,45405,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1555,1559,1559,1559,15500000000000000000000000000000000000000000
       Long-term Liabilities Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,035
13,115
19,400
11,401
14,879
27,810
15,976
27,230
16,278
15,970
16,294
17,183
15,390
17,088
16,831
16,844
16,016
16,533
15,991
17,130
18,569
18,801
17,756
16,935
17,123
18,254
21,254
18,989
19,353
25,307
20,645
32,063
28,305
31,044
30,187
44,227
30,461
28,411
31,210
31,120
45,252
0
40,043
29,520
28,492
33,177
32,611
36,459
32,482
0
0
0032,48236,45932,61133,17728,49229,52040,043045,25231,12031,21028,41130,46144,22730,18731,04428,30532,06320,64525,30719,35318,98921,25418,25417,12316,93517,75618,80118,56917,13015,99116,53316,01616,84416,83117,08815,39017,18316,29415,97016,27827,23015,97627,81014,87911,40119,40013,11511,03500000000000000000000000000000000000000000
> Total Stockholder Equity
19,628
19,982
21,051
20,828
21,246
22,226
23,932
24,099
24,699
25,635
26,002
26,720
28,058
27,025
29,197
29,606
35,990
38,719
40,048
41,523
43,014
44,498
47,881
49,778
50,951
50,921
52,710
54,194
54,642
54,142
55,106
75,375
82,047
80,753
85,422
91,223
94,160
95,451
98,494
97,391
99,543
103,842
106,347
107,482
110,732
113,259
117,486
117,665
117,225
111,542
126,873
120,043
126,168
130,931
133,013
131,045
134,547
133,308
137,453
139,323
145,779
156,675
156,322
164,033
170,128
177,167
181,232
209,559
207,943
211,184
213,435
219,738
227,455
231,680
233,182
228,128
218,673
228,558
235,780
245,021
241,845
251,049
246,548
247,845
191,660
162,882
158,814
174,660
182,052
187,360
181,650
207,064
207,064181,650187,360182,052174,660158,814162,882191,660247,845246,548251,049241,845245,021235,780228,558218,673228,128233,182231,680227,455219,738213,435211,184207,943209,559181,232177,167170,128164,033156,322156,675145,779139,323137,453133,308134,547131,045133,013130,931126,168120,043126,873111,542117,225117,665117,486113,259110,732107,482106,347103,84299,54397,39198,49495,45194,16091,22385,42280,75382,04775,37555,10654,14254,64254,19452,71050,92150,95149,77847,88144,49843,01441,52340,04838,71935,99029,60629,19727,02528,05826,72026,00225,63524,69924,09923,93222,22621,24620,82821,05119,98219,628
   Common Stock
6,447
6,375
6,188
6,049
6,163
6,129
6,129
5,854
5,790
5,885
6,092
6,096
6,301
6,304
6,320
6,343
12,437
12,785
12,962
13,053
13,287
13,793
14,183
14,007
13,567
12,475
12,683
13,571
13,689
13,900
14,016
30,479
31,016
31,193
31,261
37,611
38,113
39,590
38,361
38,428
38,987
39,328
40,505
40,552
40,857
40,877
40,960
40,583
40,612
41,422
53,948
53,981
54,016
54,066
54,125
54,216
54,277
54,378
54,345
54,424
54,624
54,699
54,846
71,645
72,219
72,344
72,428
103,314
103,980
104,226
104,506
103,851
102,395
98,210
94,516
89,379
78,854
79,059
79,269
79,416
79,732
75,265
68,265
66,820
62,893
60,975
61,262
61,487
61,924
62,128
62,338
62,550
62,55062,33862,12861,92461,48761,26260,97562,89366,82068,26575,26579,73279,41679,26979,05978,85489,37994,51698,210102,395103,851104,506104,226103,980103,31472,42872,34472,21971,64554,84654,69954,62454,42454,34554,37854,27754,21654,12554,06654,01653,98153,94841,42240,61240,58340,96040,87740,85740,55240,50539,32838,98738,42838,36139,59038,11337,61131,26131,19331,01630,47914,01613,90013,68913,57112,68312,47513,56714,00714,18313,79313,28713,05312,96212,78512,4376,3436,3206,3046,3016,0966,0925,8855,7905,8546,1296,1296,1636,0496,1886,3756,447
   Retained Earnings 
12,074
12,575
13,125
13,733
14,286
14,895
15,665
16,387
17,168
17,732
18,738
19,501
20,362
20,924
21,892
22,933
24,127
25,660
27,309
28,977
30,407
32,076
33,745
35,888
37,340
38,959
39,940
40,483
40,874
42,189
43,403
44,708
45,918
46,247
46,515
46,931
48,124
48,530
49,296
49,815
51,306
52,978
54,185
55,806
57,431
59,053
61,422
62,496
63,724
64,435
66,771
68,348
70,418
72,565
74,367
71,452
73,918
76,337
78,195
80,437
83,180
88,577
91,026
92,904
96,424
100,638
104,399
103,419
107,748
111,545
116,255
120,294
124,138
128,723
132,935
135,932
141,147
142,076
145,045
150,749
156,851
162,910
167,993
173,393
178,054
183,197
188,174
194,400
196,229
201,100
206,073
210,548
210,548206,073201,100196,229194,400188,174183,197178,054173,393167,993162,910156,851150,749145,045142,076141,147135,932132,935128,723124,138120,294116,255111,545107,748103,419104,399100,63896,42492,90491,02688,57783,18080,43778,19576,33773,91871,45274,36772,56570,41868,34866,77164,43563,72462,49661,42259,05357,43155,80654,18552,97851,30649,81549,29648,53048,12446,93146,51546,24745,91844,70843,40342,18940,87440,48339,94038,95937,34035,88833,74532,07630,40728,97727,30925,66024,12722,93321,89220,92420,36219,50118,73817,73217,16816,38715,66514,89514,28613,73313,12512,57512,074
   Capital Surplus 00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
1,107
1,032
1,738
1,046
797
1,202
2,138
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14,183
14,007
13,567
12,475
12,683
13,571
13,689
13,900
14,016
30,479
31,016
31,193
31,261
37,611
38,113
39,590
1,317
1,317
1,317
1,317
40,505
40,552
5,444
6,329
8,104
7,586
5,889
-1,315
-846
-2,286
1,734
4,300
4,521
5,377
6,352
2,593
4,913
4,462
7,975
13,399
10,450
-516
1,485
4,185
4,405
2,826
-3,581
-4,587
-7,326
-4,407
922
4,747
5,731
2,817
-1,328
7,423
466
14,856
5,262
12,874
10,290
7,632
-49,287
-81,290
-90,622
-81,227
-76,101
-75,868
-86,761
0
0-86,761-75,868-76,101-81,227-90,622-81,290-49,2877,63210,29012,8745,26214,8564667,423-1,3282,8175,7314,747922-4,407-7,326-4,587-3,5812,8264,4054,1851,485-51610,45013,3997,9754,4624,9132,5936,3525,3774,5214,3001,734-2,286-846-1,3155,8897,5868,1046,3295,44440,55240,5051,3171,3171,3171,31739,59038,11337,61131,26131,19331,01630,47914,01613,90013,68913,57112,68312,47513,56714,00714,1830000000000000002,1381,2027971,0461,7381,0321,107



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue109,036
Cost of Revenue-0
Gross Profit109,036109,036
 
Operating Income (+$)
Gross Profit109,036
Operating Expense-17,803
Operating Income-89191,233
 
Operating Expense (+$)
Research Development0
Selling General Administrative32,640
Selling And Marketing Expenses542
Operating Expense17,80333,182
 
Net Interest Income (+$)
Interest Income102,418
Interest Expense-4,462
Other Finance Cost-15,527
Net Interest Income82,429
 
Pretax Income (+$)
Operating Income-891
Net Interest Income82,429
Other Non-Operating Income Expenses0
Income Before Tax (EBT)33,840-34,731
EBIT - interestExpense = -5,353
33,840
29,998
Interest Expense4,462
Earnings Before Interest and Taxes (EBIT)-89138,302
Earnings Before Interest and Taxes (EBITDA)68
 
After tax Income (+$)
Income Before Tax33,840
Tax Provision-8,304
Net Income From Continuing Ops25,53625,536
Net Income25,536
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses75,598
Total Other Income/Expenses Net33,840-82,429
 

Technical Analysis of Central Valley Community Bancorp
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Central Valley Community Bancorp. The general trend of Central Valley Community Bancorp is BULLISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Central Valley Community Bancorp's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (71.4%) Bearish trend (-71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Central Valley Community Bancorp.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 20.00 < 21.93 < 24.07.

The bearish price targets are: 19.69 > 18.68 > 18.30.

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Central Valley Community Bancorp Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Central Valley Community Bancorp. The current mas is .

The long score for the Moving Averages is 12/14.
The longshort score for the Moving Averages is 10/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Central Valley Community Bancorp Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Central Valley Community Bancorp. The current macd is 0.17834715.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Central Valley Community Bancorp price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Central Valley Community Bancorp. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Central Valley Community Bancorp price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Central Valley Community Bancorp Daily Moving Average Convergence/Divergence (MACD) ChartCentral Valley Community Bancorp Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Central Valley Community Bancorp. The current adx is 13.74.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Central Valley Community Bancorp shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Central Valley Community Bancorp Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Central Valley Community Bancorp. The current sar is 18.32.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Central Valley Community Bancorp Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Central Valley Community Bancorp. The current rsi is 64.25. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Central Valley Community Bancorp Daily Relative Strength Index (RSI) ChartCentral Valley Community Bancorp Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Central Valley Community Bancorp. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Central Valley Community Bancorp price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Central Valley Community Bancorp Daily Stochastic Oscillator ChartCentral Valley Community Bancorp Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Central Valley Community Bancorp. The current cci is 166.52.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Central Valley Community Bancorp Daily Commodity Channel Index (CCI) ChartCentral Valley Community Bancorp Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Central Valley Community Bancorp. The current cmo is 42.80.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Central Valley Community Bancorp Daily Chande Momentum Oscillator (CMO) ChartCentral Valley Community Bancorp Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Central Valley Community Bancorp. The current willr is -6.41553855.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Central Valley Community Bancorp Daily Williams %R ChartCentral Valley Community Bancorp Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Central Valley Community Bancorp.

Central Valley Community Bancorp Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Central Valley Community Bancorp. The current atr is 0.46913343.

Central Valley Community Bancorp Daily Average True Range (ATR) ChartCentral Valley Community Bancorp Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Central Valley Community Bancorp. The current obv is -1,797,069.

Central Valley Community Bancorp Daily On-Balance Volume (OBV) ChartCentral Valley Community Bancorp Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Central Valley Community Bancorp. The current mfi is 53.40.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Central Valley Community Bancorp Daily Money Flow Index (MFI) ChartCentral Valley Community Bancorp Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Central Valley Community Bancorp.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-13MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-21RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-11-22STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-27RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-01STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-06BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-08BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-18STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-19BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-26STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-29STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-02SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-09CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-12WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-17STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-19STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-23STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-24STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-26STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-31STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-06ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-12SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-13SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-16MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-05BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-06STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-14DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-28CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.

6.3. Candlestick Patterns

Central Valley Community Bancorp Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Central Valley Community Bancorp based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5064.254
Ma 20Greater thanMa 5019.061
Ma 50Greater thanMa 10018.840
Ma 100Greater thanMa 20019.080
OpenGreater thanClose19.630
Total3/5 (60.0%)
Penke

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