Canyon Bancorp
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Let's analyse Canyon Bancorp together

Penke I guess you are interested in Canyon 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 Canyon 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.

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Quick analysis of Canyon Bancorp (30 sec.)

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

What is your share worth?

Current worth

$0.00

Expected worth in 1 year

$0.00

How sure are you?

+ What do you gain per year?

Total Gains per Share

$0.00

Return On Investment

0.0%

For what price can you sell your share?

Current Price per Share

$0.01

Expected price per share

$0.005 - $0.005

How sure are you?

50%

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1. Valuation of Canyon Bancorp (5 min.)

Live pricePrice per Share (EOD)

$0.01

Book Value per Share

$0.00

2. Growth of Canyon Bancorp (5 min.)

Is Canyon Bancorp growing?

	Current year	Previous year	Grow	Grow %
How rich?	$12.6m	$29.2m	-$16.5m	-131.1%

How much money is Canyon Bancorp making?

	Current year	Previous year	Grow	Grow %
Making money	-$17.9m	-$3.3m	-$14.5m	-81.2%
Net Profit Margin	214.1%	-54.2%	-	-

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

Quarterly Yearly

3. Financial Health of Canyon Bancorp (5 min.)

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

Industry Rankings (Banks - Regional)

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

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

What can you expect buying and holding a share of Canyon Bancorp?

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

Speculation

The Price per Share of Canyon Bancorp is $0.005. 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 Canyon 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 Canyon 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 $0.00.
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 historical numbers we can estimate the returns while holding a share of Canyon Bancorp.

How much money are you going to get?

	MRQ		TTM		YOY		5Y		10Y
	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share
Usd Eps	0.00	0.0%	0.00	0.0%	0.00	0.0%	0.00	0.0%	0.00	0.0%
Usd Book Value Change Per Share
Usd Dividend Per Share
Usd Total Gains Per Share
Usd Price Per Share	2.50	-	2.50	-	4.50	-	13.04	-	14.13	-
Price to Earnings Ratio	0.00	-	0.00	-	0.00	-	0.00	-	0.00	-
Price-to-Total Gains Ratio
Price to Book Ratio	0.00	-	0.00	-	0.00	-	0.00	-	0.00	-
Price-to-Total Gains Ratio

When do you get the money?

Usd Investment	$.00
Usd Price Per Share	0.005
Number of shares	200000

Gains per Quarter	Trailing 12 Months	5 Year
Usd Dividend Per Share	-	-
Usd Book Value Change Per Share	-	-
Usd Total Gains Per Share	-	-
Gains per Quarter (200000 shares)	-	-
Gains per Year (200000 shares)	-	-

Years	Return on Investment (TTM)			Return on Investment (5Y)
	Dividend	Book Value gain	Total gains	Dividend	Book Value gain	Total gains
Broker costs	-	-	-10	-	-	-10
1	-	-	-10	-	-	-10
2	-	-	-10	-	-	-10
3	-	-	-10	-	-	-10
4	-	-	-10	-	-	-10
5	-	-	-10	-	-	-10
6	-	-	-10	-	-	-10
7	-	-	-10	-	-	-10
8	-	-	-10	-	-	-10
9	-	-	-10	-	-	-10
10	-	-	-10	-	-	-10

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Fundamentals of Canyon Bancorp

About Canyon Bancorp

Banks - Regional
0
1711 East Palm Canyon Drive, Palm Springs, CA, United States, 92264
Google Maps Bing Maps

Canyon Bancorp was founded in 2006 and is based in Palm Springs, California.

Fundamental data was last updated by Penke on 2023-11-26 04:04:02.

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge profit.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry

Liquidity Details

	Compared to previous year	Compared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.

Solvency Details

	Compared to previous year	Compared to industry
The company is just 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 year	Compared to industry

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1.1. Profitability of Canyon Bancorp.

1.1. Profitability

1.1.1. Net Profit Margin

Measures how much net profit Canyon Bancorp earns for each $1 of revenue.

Above 10% is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
A Net Profit Margin of 214.1% means that $2.14 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Canyon Bancorp:

The MRQ is 214.1%. The company is making a huge profit. +2
The TTM is 214.1%. The company is making a huge profit. +2

Trends

Current period		Compared to		+/-
MRQ	214.1%	TTM	214.1%	0.0%
TTM	214.1%	YOY	-54.2%	+268.3%
TTM	214.1%	5Y	51.5%	+162.7%
5Y	51.5%	10Y	44.2%	+7.3%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	214.1%	36.5%	+177.6%
TTM	214.1%	28.8%	+185.3%
YOY	-54.2%	24.2%	-78.4%
5Y	51.5%	23.3%	+28.2%
10Y	44.2%	19.7%	+24.5%

Measures how much net profit Canyon Bancorp earns for each $1 of revenue.

Revenue is the amount of profit Canyon Bancorp generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you $3. The company does not earn $3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is $1.5.

The $3 you pay for a cup of coffee is called revenue.
The $1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit Canyon Bancorp earns for each $1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
Can be used to compare companies within the Banks - Regional industry.

You typically want a high profit margin. This means that for each $1 in sales, Canyon Bancorp makes more profit. This shows the investor how efficiently Canyon Bancorp is operating in general and compared to other companies in the same industry. Canyon Bancorp operates in the Banks - Regional industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of Canyon Bancorp. If profit margins remain low (compared to the Banks - Regional industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of Canyon Bancorp is 2.14. This means that Canyon Bancorp earned $2.14 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Banks - Regional industry is 36.5%.
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare Canyon Bancorp with other companies in the same industry (Banks - Regional).
Net profit margin should rise over the years.
Can be influenced when Canyon Bancorp sells assets (profit will increase while costs remain the same).
It won’t show what part of Canyon Bancorp is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of Canyon Bancorp

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ Canyon Bancorp = -1,757
Total revenue MRQ Canyon Bancorp = 131
$-1,757 / $131 = 2.14 or 214.1%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient Canyon Bancorp is using its assets to generate profit.

Above 5% is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
-7.3% Return on Assets means that Canyon Bancorp generated $-0.07 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Canyon Bancorp:

The MRQ is -7.3%. Using its assets, the company is very inefficient in making profit. -2
The TTM is -7.3%. Using its assets, the company is very inefficient in making profit. -2

Trends

Current period		Compared to		+/-
MRQ	-7.3%	TTM	-7.3%	0.0%
TTM	-7.3%	YOY	-1.1%	-6.2%
TTM	-7.3%	5Y	-1.4%	-5.9%
5Y	-1.4%	10Y	-0.9%	-0.5%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	-7.3%	0.3%	-7.6%
TTM	-7.3%	0.2%	-7.5%
YOY	-1.1%	0.2%	-1.3%
5Y	-1.4%	0.2%	-1.6%
10Y	-0.9%	0.2%	-1.1%

Shows how efficient Canyon Bancorp is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better.
Above 5% is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on assets in their analysis

Shows the investor how effectively Canyon Bancorp is using its resources to generate profit. If the return on assets (-7.3%) from Canyon Bancorp are higher than the Banks - Regional mean (0.3%) that means Canyon Bancorp is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of Canyon Bancorp is -7.3%. This means the company generated $-0.07 for each $1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Banks - Regional industry is 0.3%.
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example Canyon Bancorp

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from Canyon Bancorp = -1,757
Total assets MRQ (balance sheet) from Canyon Bancorp = 294,437
-1,757 / 294,437 = -0.07 or -7.3%

ROA is an important ratio as it will tell you how effectively Canyon Bancorp is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient Canyon Bancorp is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
-141.8% Return on Equity means Canyon Bancorp generated $-1.42 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Canyon Bancorp:

The MRQ is -141.8%. Using its investors money, the company is very inefficient in making profit. -2
The TTM is -141.8%. Using its investors money, the company is very inefficient in making profit. -2

Trends

Current period		Compared to		+/-
MRQ	-141.8%	TTM	-141.8%	0.0%
TTM	-141.8%	YOY	-11.6%	-130.2%
TTM	-141.8%	5Y	-30.9%	-110.9%
5Y	-30.9%	10Y	-22.1%	-8.8%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	-141.8%	3.1%	-144.9%
TTM	-141.8%	2.7%	-144.5%
YOY	-11.6%	2.7%	-14.3%
5Y	-30.9%	2.5%	-33.4%
10Y	-22.1%	2.9%	-25.0%

Shows how efficient Canyon Bancorp is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Banks - Regional industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of Canyon Bancorp is -141.8%. This means Canyon Bancorp generated $-1.42 for each $1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Banks - Regional industry is 3.1%.
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if Canyon Bancorp existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of Canyon Bancorp

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) Canyon Bancorp = -1,757
Shareholders equity (balance sheet) MRQ Canyon Bancorp = 27,542
-1,757 / 27,542 = -1.42 or -141.8%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

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1.2. Operating Efficiency of Canyon Bancorp.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient Canyon Bancorp is operating .

Measures how much profit Canyon 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 Canyon 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 Canyon Bancorp:

The MRQ is 0.0%. The data is not here.

Trends

Current period		Compared to		+/-
MRQ	-	TTM	-	0.0%
TTM	-	YOY	-	0.0%
TTM	-	5Y	-	0.0%
5Y	-	10Y	5.1%	-5.1%

Measures how efficient Canyon Bancorp is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit Canyon Bancorp is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of Canyon Bancorp is 0.0%. This means that Canyon Bancorp earned $0.00 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of Canyon Bancorp

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ Canyon Bancorp = -2,994
Total revenue MRQ Canyon Bancorp = 131
$-2,994 / $131 = 0.00 or 0.0%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient Canyon Bancorp is keeping operating costs low.

Below 1 is considered healthy (always compare to Banks - Regional industry mean).
An Operation Ratio of -1.26 means that the operating costs are $-1.26 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Canyon Bancorp:

The MRQ is -1.258.
The TTM is -1.258.

Trends

Current period		Compared to		+/-
MRQ	-1.258	TTM	-1.258	0.000
TTM	-1.258	YOY	1.698	-2.955
TTM	-1.258	5Y	0.416	-1.674
5Y	0.416	10Y	0.368	+0.048

Measures how efficient Canyon Bancorp is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of Canyon Bancorp is -125.8%. This means that Canyon Bancorp earned $-1.26 for each $1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example Canyon Bancorp

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
(0 +3,125) \ 131 = -1.26

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

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1.3. Liquidity of Canyon Bancorp.

1.3. Liquidity

1.3.1. Current Ratio

Measures if Canyon 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 0.16 means the company has $0.16 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Canyon Bancorp:

The MRQ is 0.158. The company is unable to pay all its short-term debts. -2
The TTM is 0.158. The company is unable to pay all its short-term debts. -2

Trends

Current period		Compared to		+/-
MRQ	0.158	TTM	0.158	0.000
TTM	0.158	YOY	0.097	+0.061
TTM	0.158	5Y	0.112	+0.046
5Y	0.112	10Y	0.089	+0.022

Measures if Canyon Bancorp is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for Canyon Bancorp if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of Canyon Bancorp is 0.16. This means Canyon Bancorp has $0.16 in assets for each $1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example Canyon Bancorp

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
17,043 \ 256,062) = 0.16

The current ratio measures if Canyon Bancorp is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if Canyon Bancorp is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then Canyon Bancorp does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate Canyon Bancorp is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

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

Above 1 is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
A Quick Ratio of 0.02 means the company can pay off $0.02 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Canyon Bancorp:

The MRQ is 0.020. The company is just not able to pay all its short-term debts with the most liquid assets. -1
The TTM is 0.020. The company is just not able to pay all its short-term debts with the most liquid assets. -1

Trends

Current period		Compared to		+/-
MRQ	0.020	TTM	0.020	0.000
TTM	0.020	YOY	0.009	+0.011
TTM	0.020	5Y	0.012	+0.008
5Y	0.012	10Y	0.010	+0.002

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

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast Canyon Bancorp can pay off its short term debts. This shows if Canyon Bancorp can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of Canyon Bancorp is 0.02. This means that Canyon Bancorp can pay off $0.02 for each $1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example Canyon Bancorp

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio Canyon Bancorp: (0 + 0 +0) / 256,062 = 0.02

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

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1.4. Solvency of Canyon Bancorp.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of Canyon Bancorp assets are financed with debt.

Below 1 (100%) is considered healthy but always compare Canyon Bancorp to Banks - Regional industry mean.
A Debt to Asset Ratio of 0.95 means that Canyon Bancorp assets are financed with 94.8% credit (debt) and the remaining percentage (100% - 94.8%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Canyon Bancorp:

The MRQ is 0.948. The company is just able to pay all its debts by selling its assets.
The TTM is 0.948. The company is just able to pay all its debts by selling its assets.

Trends

Current period		Compared to		+/-
MRQ	0.948	TTM	0.948	0.000
TTM	0.948	YOY	0.902	+0.047
TTM	0.948	5Y	0.914	+0.035
5Y	0.914	10Y	0.915	-0.001

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.948	0.916	+0.032
TTM	0.948	0.917	+0.031
YOY	0.902	0.919	-0.017
5Y	0.914	0.920	-0.006
10Y	0.915	0.928	-0.013

Measures how much % of Canyon Bancorp assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake Canyon Bancorp than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy but always compare Canyon Bancorp to Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of Canyon Bancorp is 0.95. This means means that Canyon Bancorp is financed with 94.8% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why Canyon Bancorp has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example Canyon Bancorp

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
266,895 \ 294,437 = 94.8% or 0.95.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if Canyon Bancorp is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare Canyon Bancorp to the Banks - Regional industry mean.
A Debt to Equity ratio of 1,838.5% means that company has $18.39 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Canyon Bancorp:

The MRQ is 18.385. The company is unable to pay all its debts with equity. -1
The TTM is 18.385. The company is unable to pay all its debts with equity. -1

Trends

Current period		Compared to		+/-
MRQ	18.385	TTM	18.385	0.000
TTM	18.385	YOY	9.194	+9.191
TTM	18.385	5Y	11.508	+6.877
5Y	11.508	10Y	11.536	-0.027

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	18.385	10.841	+7.544
TTM	18.385	11.116	+7.269
YOY	9.194	11.414	-2.220
5Y	11.508	11.618	-0.110
10Y	11.536	13.164	-1.628

Measures if Canyon Bancorp is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of Canyon Bancorp is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of Canyon Bancorp is 18.39. This means that Canyon Bancorp can pay off $18.39 for each $1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 10.84.
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example Canyon Bancorp

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
266,895 \ 27,542 = 18.39 or 1,838.5%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

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2. Market Valuation of Canyon 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 Canyon Bancorp generates.

Above 15 is considered overpriced but always compare Canyon Bancorp to the Banks - Regional industry mean.
A PE ratio of 0.00 means the investor is paying $0.00 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Canyon Bancorp:

The MRQ is 0.000. The data is not here.

Trends

Current period		Compared to
MRQ	-	TTM	-
TTM	-	YOY	-
TTM	-	5Y	-
5Y	-	10Y	-

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	-	3.814	-3.814
TTM	-	5.059	-5.059
YOY	-	9.550	-9.550
5Y	-	9.978	-9.978
10Y	-	10.141	-10.141

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

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare Canyon Bancorp to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet. Result: huge market crash.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of Canyon Bancorp is 0.00. This means the investor is paying $0.00 for every $1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 3.81.
What is the trend?
The trend is important because it shows you how Canyon Bancorp is performing over time. The most recent quarter might be important if Canyon Bancorp released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Canyon Bancorp up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example Canyon Bancorp

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
-1,757 \ 0 = EPS
PE ratio MRQ = 0.00

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price To Free Cash Flow Ratio

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

The MRQ is 0.000. The data is not here.

Trends

Current period		Compared to
MRQ	-	TTM	-
TTM	-	YOY	-
TTM	-	5Y	-
5Y	-	10Y	-

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	-	0.771	-0.771
TTM	-	0.514	-0.514
YOY	-	5.763	-5.763
5Y	-	0.476	-0.476
10Y	-	0.138	-0.138

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2. Book Value per Share

2.3. Price to Book Ratio

Measures if the stock price of Canyon 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 0.00 means the investor is paying $0.00 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Canyon Bancorp:

The MRQ is 0.000. The data is not here.

Trends

Current period		Compared to
MRQ	-	TTM	-
TTM	-	YOY	-
TTM	-	5Y	-
5Y	-	10Y	-

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	-	0.467	-0.467
TTM	-	0.520	-0.520
YOY	-	0.697	-0.697
5Y	-	0.813	-0.813
10Y	-	1.069	-1.069

2. Total Gains per Share

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3. Summary

3.1. Key Performance Indicators

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

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Per Share	-	-	-	-	0%	-	0%	-	0%	-	0%
Current Ratio	-	-	0.158	0.158	0%	0.097	+63%	0.112	+41%	0.089	+77%
Debt To Asset Ratio	-	-	0.948	0.948	0%	0.902	+5%	0.914	+4%	0.915	+4%
Debt To Equity Ratio	-	-	18.385	18.385	0%	9.194	+100%	11.508	+60%	11.536	+59%
Eps	-	-	-	-	0%	-	0%	-	0%	-	0%
Gross Profit Margin	-	-	1.000	1.000	0%	1.000	0%	1.000	0%	1.000	0%
Market Cap	-	-	-	-	0%	-	0%	-	0%	-	0%
Net Profit Margin	-	-	2.141	2.141	0%	-0.542	+125%	0.515	+316%	0.442	+385%
Operating Margin	-	-	-	-	0%	-	0%	-	0%	0.051	-100%
Operating Ratio	-	-	-1.258	-1.258	0%	1.698	-174%	0.416	-402%	0.368	-442%
Pb Ratio	-	-	-	-	0%	-	0%	-	0%	-	0%
Pe Ratio	-	-	-	-	0%	-	0%	-	0%	-	0%
Price Per Share	0.005	-49900%	2.500	2.500	0%	4.500	-44%	13.038	-81%	14.130	-82%
Price To Free Cash Flow Ratio	-	-	-	-	0%	-	0%	-	0%	-	0%
Quick Ratio	-	-	0.020	0.020	0%	0.009	+114%	0.012	+63%	0.010	+104%
Return On Assets	-	-	-0.073	-0.073	0%	-0.011	-85%	-0.014	-81%	-0.009	-88%
Return On Equity	-	-	-1.418	-1.418	0%	-0.116	-92%	-0.309	-78%	-0.221	-84%
Usd Book Value	-	-	12646000.000	12646000.000	0%	29231000.000	-57%	23718500.000	-47%	21067800.000	-40%
Usd Book Value Per Share	-	-	-	-	0%	-	0%	-	0%	-	0%
Usd Eps	-	-	-	-	0%	-	0%	-	0%	-	0%
Usd Free Cash Flow	-	-	4509000.000	4509000.000	0%	4298000.000	+5%	4223000.000	+7%	4017800.000	+12%
Usd Market Cap	-	-	-	-	0%	-	0%	-	0%	-	0%
Usd Price Per Share	0.005	-49900%	2.500	2.500	0%	4.500	-44%	13.038	-81%	14.130	-82%
Usd Profit	-	-	-17932000.000	-17932000.000	0%	-3377000.000	-81%	-3383250.000	-81%	-2435600.000	-86%
Usd Revenue	-	-	-8374000.000	-8374000.000	0%	6232000.000	-234%	7913750.000	-206%	8135200.000	-203%
	EOD	+1 -1	MRQ	TTM	+0 -0	YOY	+6 -8	5Y	+6 -8	10Y	+6 -9

3.2. Fundamental Score

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

Penke's Stock Scanner

Indicator	Condition		Value
Net Profit Margin (MRQ)	Greater than	0	2.141
Operating Margin (MRQ)	Greater than	0	0.000
Quick Ratio (MRQ)	Greater than	1	0.020
Current Ratio (MRQ)	Greater than	1	0.158
Debt to Asset Ratio (MRQ)	Less than	1	0.948
Debt to Equity Ratio (MRQ)	Less than	1	18.385
Return on Equity (MRQ)	Greater than	0.15	-1.418
Return on Assets (MRQ)	Greater than	0.05	-0.073
Total			2/8 (25.0%)

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3.3. Technical Score

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

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	0.000
Ma 20	Greater than	Ma 50	0.005
Ma 50	Greater than	Ma 100	0.005
Ma 100	Greater than	Ma 200	0.005
Open	Greater than	Close	0.005
Total			0/5 (0.0%)

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Reversals in quarterly reports

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

	2002-12-31		2006-12-31		2007-12-31		2008-12-31		2009-12-31
Retained Earnings	1,830	1,896	3,726	1,350	5,076	-3,377	1,699	-17,932	-16,233
Gross Profit	7,441	10,047	17,488	-1,179	16,309	-10,077	6,232	-14,606	-8,374
Total Revenue	9,021	8,467	17,488	-1,179	16,309	-10,077	6,232	-14,606	-8,374

Latest Balance Sheet

Balance Sheet of 2009-12-31. Currency in USD. All numbers in thousands.

Summary

Total Assets	245,143
Total Liabilities	232,497
Total Stockholder Equity	12,646

	As reported
Total Liabilities	232,497
Total Stockholder Equity	+ 12,646
Total Assets	= 245,143

Assets

Total Assets	245,143
Total Current Assets	35,966
Long-term Assets	35,966

Total Current Assets

Total Current Assets (as reported)	35,966
Cash And Cash Equivalents	15,750
Net Receivables	4,592
Inventory	14,927
Other Current Assets	697
Total Current Assets (calculated)	35,966
+/-	0

Long-term Assets

Long-term Assets (as reported)	0
Property Plant Equipment	4,764
Long Term Investments	7,205
Long-term Assets (calculated)	11,969
+/-	11,969

Liabilities & Shareholders' Equity

Total Current Liabilities	227,720
Long-term Liabilities	0
Total Stockholder Equity	12,646

Total Current Liabilities

Total Current Liabilities (as reported)	227,720
Short-term Debt	359
Short Long Term Debt	359
Accounts payable	227,720
Total Current Liabilities (calculated)	228,438
+/-	718

Long-term Liabilities

Long-term Liabilities (as reported)	0
Long-term Liabilities (calculated)	0
+/-	0

Total Stockholder Equity

Total Stockholder Equity (as reported)	12,646
Common Stock	28,880
Retained Earnings	-16,233
Other Stockholders Equity	-1
Total Stockholder Equity (calculated)	12,646
+/-	0

Other

Net Tangible Assets	12,646
Net Working Capital	-191,754

Balance Sheet

Currency in USD. All numbers in thousands.

Trend

2009-12-31

2008-12-31

2007-12-31

2006-12-31

2002-12-31

> Total Assets

132,334
252,368
289,156
297,994
245,143

245,143

297,994

289,156

252,368

132,334

> Total Current Assets

0
24,786
18,994
24,367
35,966

35,966

24,367

18,994

24,786

Cash And Cash Equivalents

22,827
20,569
13,377
16,356
15,750

15,750

16,356

13,377

20,569

22,827

Short-term Investments

0
2,000
1,354
0
0

1,354

2,000

Net Receivables

0
276
909
2,373
4,592

4,592

2,373

909

276

Other Current Assets

0
1,941
1,635
1,155
697

697

1,155

1,635

1,941

> Long-term Assets

Property Plant Equipment

1,909
4,548
5,680
5,221
4,764

4,764

5,221

5,680

4,548

1,909

Long Term Investments

106,389
15,808
14,086
13,733
7,205

7,205

13,733

14,086

15,808

106,389

> Total Liabilities

121,869
227,945
260,582
268,763
232,497

232,497

268,763

260,582

227,945

121,869

> Total Current Liabilities

0
226,430
230,787
251,518
227,720

227,720

251,518

230,787

226,430

Short-term Debt

0
0
7,598
432
359

359

432

7,598

Short Long Term Debt

0
0
7,598
432
359

359

432

7,598

Accounts payable

0
226,430
230,627
249,306
227,720

227,720

249,306

230,627

226,430

Other Current Liabilities

120,565
8,507
62,230
0
0

62,230

8,507

120,565

> Long-term Liabilities

> Total Stockholder Equity

10,465
24,423
28,574
29,231
12,646

12,646

29,231

28,574

24,423

10,465

Common Stock

4,228
20,803
23,513
27,568
28,880

28,880

27,568

23,513

20,803

4,228

Retained Earnings

1,830
3,726
5,076
1,699
-16,233

-16,233

1,699

5,076

3,726

1,830

Capital Surplus

Treasury Stock

Other Stockholders Equity

-1

-36

-15

-106

Balance Sheet

Currency in USD. All numbers in thousands.

	2009-12-31	2008-12-31	2007-12-31	2006-12-31	2002-12-31
Accounts Payable	227,720	249,306	230,627	226,430	0
Accumulated Amortization	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0
Accumulated Other Comprehensive Income	0	0	0	0	0
Additional Paid In Capital	0	0	0	0	0
Capital Lease Obligations	0	0	0	0	0
Capital Stock	0	0	0	0	0
Capital Surpluse	0	0	0	0	0
Cash	15,750	16,356	13,377	20,569	22,827
Cash And Equivalents	0	0	0	0	0
Cash And Short Term Investments	0	0	0	0	0
Common Stock	28,880	27,568	23,513	20,803	4,228
Common Stock Shares Outstanding	0	0	0	0	0
Common Stock Total Equity	0	0	0	0	0
Current Deferred Revenue	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0
Deferred Long Term Liab	0	0	0	0	0
Earning Assets	0	0	0	0	0
Good Will	0	0	0	0	0
Intangible Assets	0	0	0	0	0
Inventory	14,927	4,483	3,073	0	0
Liabilities And Stockholders Equity	0	0	0	0	0
Long Term Debt	2,500	15,000	28,000	0	0
Long Term Debt Total	0	0	0	0	0
Long Term Investments	7,205	13,733	14,086	15,808	106,389
Negative Goodwill	0	0	0	0	0
Net Debt	0	0	0	0	0
Net Invested Capital	0	0	0	0	0
Net Receivables	4,592	2,373	909	276	0
Net Tangible Assets	12,646	29,231	28,574	24,423	10,465
Net Working Capital	-191,754	-227,151	-211,793	-201,644	0
Non Current Assets Total	0	0	0	0	0
Non Current Liabilities Other	0	0	0	0	0
Non Current Liabilities Total	0	0	0	0	0
Non Currrent Assets Other	0	0	0	0	0
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0
Other Assets	197,208	254,673	250,396	207,226	725
Other Current Assets	697	1,155	1,635	1,941	0
Other Current Liab	0	0	62,230	8,507	120,565
Other Liab	2,277	2,245	1,795	1,515	1,304
Other Stockholder Equity	-1	-36	-15	-106	0
Preferred Stock Redeemable	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0
Property Plant And Equipment Gross	0	0	0	0	0
Property Plant And Equipment Net	0	0	0	0	0
Property Plant Equipment	4,764	5,221	5,680	4,548	1,909
Retained Earnings	-16,233	1,699	5,076	3,726	1,830
Retained Earnings Total Equity	0	0	0	0	0
Short Long Term Debt	359	432	7,598	0	0
Short Long Term Debt Total	0	0	0	0	0
Short Term Debt	359	432	7,598	0	0
Short Term Investments	0	0	1,354	2,000	0
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0
Total Assets	245,143	297,994	289,156	252,368	132,334
Total Current Assets	35,966	24,367	18,994	24,786	0
Total Current Liabilities	227,720	251,518	230,787	226,430	0
Total Liab	232,497	268,763	260,582	227,945	121,869
Total Permanent Equity	0	0	0	0	0
Total Stockholder Equity	12,646	29,231	28,574	24,423	10,465
Treasury Stock	0	0	0	0	0
Warrants	0	0	0	0	0

	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31
Accounts Payable	256,062	249,306	242,403	236,414	0	0
Accumulated Amortization	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0
Accumulated Other Comprehensive Income	0	0	0	0	0	0
Additional Paid In Capital	0	0	0	0	0	0
Capital Lease Obligations	0	0	0	0	0	0
Capital Stock	0	0	0	0	0	0
Capital Surpluse	0	0	0	0	0	0
Cash	17,043	16,356	11,436	17,244	24,234	13,562
Cash And Equivalents	0	0	0	0	0	0
Cash And Short Term Investments	0	0	0	0	0	0
Common Stock	27,542	27,568	23,639	23,621	23,513	23,513
Common Stock Shares Outstanding	0	2,798	2,500	2,667	2,600	2,477
Common Stock Total Equity	0	0	0	0	0	0
Current Deferred Revenue	0	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0	0
Deferred Long Term Liab	0	0	0	0	0	0
Earning Assets	0	0	0	0	0	0
Good Will	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0
Inventory	0	4,483	5,683	3,412	0	0
Liabilities And Stockholders Equity	0	0	0	0	0	0
Long Term Debt	8,390	5,000	10,000	15,000	20,899	0
Long Term Debt Total	0	0	0	0	0	0
Long Term Investments	11,293	13,733	13,796	11,033	263,344	257,658
Negative Goodwill	0	0	0	0	0	0
Net Debt	0	0	0	0	0	0
Net Invested Capital	0	0	0	0	0	0
Net Receivables	0	2,373	1,925	931	889	909
Net Tangible Assets	27,542	29,231	27,463	28,815	28,649	28,574
Net Working Capital	-239,019	-237,151	-236,700	-222,232	0	0
Non Current Assets Total	0	0	0	0	0	0
Non Current Liabilities Other	0	0	0	0	0	0
Non Current Liabilities Total	0	0	0	0	0	0
Non Currrent Assets Other	0	0	0	0	0	0
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0
Other Assets	266,101	254,673	257,262	251,543	1,640	1,825
Other Current Assets	0	1,155	0	109	0	0
Other Current Liab	0	0	33,020	55,045	248,719	230,627
Other Liab	2,443	2,245	2,220	1,975	1,911	1,795
Other Stockholder Equity	0	-36	-113	-93	8	-15
Preferred Stock Redeemable	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0
Property Plant And Equipment Gross	0	0	0	0	0	0
Property Plant And Equipment Net	0	0	0	0	0	0
Property Plant Equipment	0	5,221	5,325	5,446	8,651	8,753
Retained Earnings	0	1,699	3,937	5,287	5,128	5,076
Retained Earnings Total Equity	0	0	0	0	0	0
Short Long Term Debt	123	432	3,179	5,242	0	28,160
Short Long Term Debt Total	0	0	0	0	0	0
Short Term Debt	123	432	3,179	5,242	0	28,160
Short Term Investments	0	0	0	0	0	5,019
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0
Total Assets	294,437	297,994	295,427	289,718	300,178	289,156
Total Current Assets	17,043	24,367	19,044	21,696	0	0
Total Current Liabilities	256,062	261,518	255,744	243,928	0	0
Total Liab	266,895	268,763	267,964	260,903	271,529	260,582
Total Permanent Equity	0	0	0	0	0	0
Total Stockholder Equity	27,542	29,231	27,463	28,815	28,649	28,574
Treasury Stock	0	0	0	0	0	0
Warrants	0	0	0	0	0	0

Cash Flow

Currency in USD. All numbers in thousands.

	2009-12-31	2008-12-31	2007-12-31	2006-12-31	2002-12-31
Begin Period Cash Flow	0	0	0	0	0
Capital Expenditures	79	142	1,760	677	181
Cash And Cash Equivalents Changes	0	0	0	0	0
Cash Flows Other Operating	0	0	0	0	0
Change In Cash	-580	2,827	-7,007	-7,007	914
Change In Working Capital	0	-35,397	15,358	10,149	0
Change Receivables	0	0	0	0	0
Change To Account Receivables	0	0	0	0	0
Change To Inventory	0	0	0	0	0
Change To Liabilities	1,740	-1,101	222	-415	983
Change To Netincome	22,317	8,962	27	-1,183	473
Change To Operating Activities	191	761	2,905	99	-340
Depreciation	484	601	628	568	907
Dividends Paid	0	0	1	6	1
End Period Cash Flow	0	0	0	0	0
Exchange Rate Changes	0	0	0	0	0
Free Cash Flow	4,509	4,298	5,264	2,821	3,197
Investments	6,858	340	4,216	12,107	-21,665
Issuance Of Capital Stock	0	0	0	0	0
Net Borrowings	-13,876	-10,948	28,160	28,160	28,160
Net Income	-17,932	-3,377	3,519	4,257	1,355
Other Cashflows From Financing Activities	-21,579	18,737	4,549	8,283	20,621
Other Cashflows From Investing Activities	3,847	2,891	-157	393	-1,281
Other Non Cash Items	0	0	0	0	0
Sale Purchase Of Stock	67	100	51	8	43
Stock Based Compensation	0	0	0	0	0
Total Cash From Financing Activities	-34,986	11,786	32,898	8,491	20,663
Total Cash From Operating Activities	4,588	4,440	7,024	3,498	3,378
Total Cashflows From Investing Activities	29,818	-13,399	-46,929	-18,996	-23,127

	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31
Begin Period Cash Flow	0	0	0	0	0	0
Capital Expenditures	0	34	22	42	44	1,558
Cash And Cash Equivalents Changes	0	0	0	0	0	0
Cash Flows Other Operating	0	0	0	0	0	0
Change In Cash	0	4,953	-5,808	-6,990	10,672	729
Change In Working Capital	0	1,868	451	14,468	0	0
Change Receivables	0	0	0	0	0	0
Change To Account Receivables	0	0	-130	-223	-957	-957
Change To Inventory	0	0	0	0	0	0
Change To Liabilities	0	-1,099	0	-12	90	-152
Change To Netincome	0	3,274	2,976	678	1,168	1,713
Change To Operating Activities	0	1,318	-570	1,277	-298	96
Depreciation	0	138	143	157	3	-19
Dividends Paid	0	0	0	0	0	4
End Period Cash Flow	0	0	0	0	0	0
Exchange Rate Changes	0	0	0	0	0	0
Free Cash Flow	0	910	293	2,124	971	501
Investments	0	108	-2,601	599	-1,823	-8,858
Issuance Of Capital Stock	0	0	0	0	0	0
Net Borrowings	0	-6,129	827	1,615	-7,261	8,160
Net Income	-1,757	-2,238	-1,350	160	52	421
Other Cashflows From Financing Activities	0	6,902	5,997	-12,254	18,092	725
Other Cashflows From Investing Activities	0	1,328	730	140	693	122
Other Non Cash Items	0	0	0	0	0	0
Sale Purchase Of Stock	0	99	1	13	57	83
Stock Based Compensation	0	0	0	0	0	0
Total Cash From Financing Activities	0	4,703	6,834	-10,582	10,831	8,964
Total Cash From Operating Activities	0	944	315	2,166	1,015	2,059
Total Cashflows From Investing Activities	0	-694	-12,957	1,426	-1,174	-10,294

Income Statement

Currency in USD. All numbers in thousands.

	2009-12-31	2008-12-31	2007-12-31	2006-12-31	2002-12-31
Cost Of Revenue	0	0	0	0	1,580
Depreciation And Amortization	0	0	0	0	0
Discontinued Operations	0	0	0	0	0
Ebit	0	0	0	0	2,287
Ebitda	0	0	0	0	0
Effect Of Accounting Charges	0	0	0	0	0
Extraordinary Items	0	0	0	0	0
Gross Profit	-8,374	6,232	16,309	17,488	7,441
Income Before Tax	-20,861	-5,883	5,915	7,188	2,287
Income Tax Expense	-2,929	-2,506	2,396	2,931	932
Interest Expense	0	0	0	0	0
Interest Income	0	0	0	0	0
Minority Interest	0	0	0	0	0
Net Income	-17,932	-3,377	3,519	4,257	1,355
Net Income Applicable To Common Shares	-17,932	-3,377	3,519	4,257	1,355
Net Income From Continuing Ops	-17,932	-3,377	3,519	4,257	1,355
Net Interest Income	0	0	0	0	0
Non Operating Income Net Other	0	0	0	0	0
Non Recurring	0	0	0	0	5
Operating Income	-18,905	-4,348	5,929	7,188	2,287
Other Items	0	0	0	0	0
Other Operating Expenses	2,400	1,784	1,680	1,646	487
Preferred Stock And Other Adjustments	0	0	0	0	0
Reconciled Depreciation	0	0	0	0	0
Research Development	0	0	0	0	0
Selling And Marketing Expenses	0	0	0	0	0
Selling General Administrative	8,131	8,796	8,700	8,654	4,667
Tax Provision	0	0	0	0	0
Total Operating Expenses	10,531	10,580	10,380	10,300	0
Total Other Income Expense Net	-1,956	-1,535	-14	0	0
Total Revenue	-8,374	6,232	16,309	17,488	9,021

	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31
Cost Of Revenue	0	0	0	0	1,325	1,447
Depreciation And Amortization	0	0	0	0	0	0
Discontinued Operations	0	0	0	0	0	0
Ebit	0	0	0	0	361	1,022
Ebitda	0	0	0	0	0	0
Effect Of Accounting Charges	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	0
Gross Profit	131	-167	419	3,184	4,266	4,512
Income Before Tax	-2,994	-3,784	-2,337	168	72	703
Income Tax Expense	-1,237	-1,546	-987	8	20	282
Interest Expense	0	0	24	44	289	319
Interest Income	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0
Net Income	-1,757	-2,238	-1,350	160	52	421
Net Income Applicable To Common Shares	-1,757	-2,238	-1,350	160	52	421
Net Income From Continuing Ops	-1,757	-2,238	-1,350	160	52	421
Net Interest Income	0	0	0	0	0	0
Non Operating Income Net Other	0	0	0	0	0	0
Non Recurring	0	0	-4	7	31	31
Operating Income	-2,994	-2,876	-2,117	548	361	1,022
Other Items	0	0	0	0	0	0
Other Operating Expenses	3,125	501	393	445	1,179	900
Preferred Stock And Other Adjustments	0	0	0	0	0	0
Reconciled Depreciation	0	0	0	0	0	0
Research Development	0	0	0	0	0	0
Selling And Marketing Expenses	0	0	0	0	0	0
Selling General Administrative	0	2,208	2,143	2,191	2,726	2,590
Tax Provision	0	0	0	0	0	0
Total Operating Expenses	3,125	2,709	2,536	2,636	0	0
Total Other Income Expense Net	0	-908	-220	-380	0	0
Total Revenue	131	167	419	3,184	5,591	5,959

Latest Income Statement (annual, 2009-12-31)

Gross Profit (+$)
totalRevenue	-8,374
Cost of Revenue	-0
Gross Profit	-8,374	-8,374

Operating Income (+$)
Gross Profit	-8,374
Operating Expense	-10,531
Operating Income	-18,905	-18,905

Operating Expense (+$)
Research Development	0
Selling General Administrative	8,131
Selling And Marketing Expenses	0
Operating Expense	10,531	8,131

Net Interest Income (+$)
Interest Income	0
Interest Expense	-0
Other Finance Cost	-0
Net Interest Income	0

Pretax Income (+$)
Operating Income	-18,905
Net Interest Income	0
Other Non-Operating Income Expenses	0
Income Before Tax (EBT)	-20,861	-16,949 EBIT - interestExpense = 0 -20,861 -17,932
Interest Expense	0
Earnings Before Interest and Taxes (EBIT)	0	-20,861
Earnings Before Interest and Taxes (EBITDA)	0

After tax Income (+$)
Income Before Tax	-20,861
Tax Provision	-0
Net Income From Continuing Ops	-17,932	-20,861
Net Income	-17,932
Net Income Applicable To Common Shares	-17,932

Non-recurring Events
Discontinued Operations	0
Extraordinary Items	0
Effect of Accounting Charges	0
Other Items	0
Non Recurring	0
Other Operating Expenses	2,400
Total Other Income/Expenses Net	-1,956	0

Technical Analysis of Canyon 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 Canyon Bancorp. The general trend of Canyon Bancorp is BEARISH with 100.0% 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 Canyon 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 transitions	Bullish trend (-100.0%)		Bearish trend (100.0%)
Overbought to neutral	Bullish pullback	=	Bearish reversal
Upper to lower neutral	Bullish correction	=	Bearish continuation
Nuetral to oversold	Oversold	=	Oversold
Oversold to neutral	Bullish reversal	=	Bearish correction
Lower to upper neutral	Bullish continuation	=	Bearish pullback
Nuetral to overbought	Overbought	=	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 Canyon 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: 0.005 < 0.005 < 0.005.

The bearish price targets are: 0.005 > 0.005 > 0.005.

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Canyon 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 Canyon Bancorp. The current mas is .

The long score for the Moving Averages is 0/14.
The longshort score for the Moving Averages is -14/(-14 +14).

MA 20 trending down: The MA 20 is trending down. -1
Close < MA 20: The price is below the MA 20. -1
MA 20 < MA 50: The MA 20 is lower 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 lower than the MA 200. -1
MA 50 trending down: The MA 50 is trending down. -1
Close < MA 50: The price is below 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 lower than the MA 200. -1
MA 100 trending down: The MA 100 is trending down. -1
Close < MA 100: The price is below the MA 100. -1
MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
MA 200 trending down: The MA 200 is trending down. -1
Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving Average	Amount of candles	vs. MA 50	vs. MA 100	vs. MA 200
MA 20	20
MA 50	50	-
MA 100	100	-	-
MA 200	200	-	-	-

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

Shows the moving average of the selected period.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

There are various kinds of moving averages:

Simple moving average (SMA);
Exponential moving average (EMA);
Smoothed moving average (SMMA);
Linear weighted moving average (LWMA).

The moving average looks at a certain period of time and it calculates the price average. The various types of averages are using various formulas. Don’t worry, you don’t have to memorize any formula. All moving averages are calculated automatically by basically every charting software you use. But it’s good to know how moving averages are actually calculated.

Simple moving average

SMA is calculated by summing up the price closures of the selected period. The price is then divided by the selected period. For example, when using the 21 day moving average you sum up all the closing prices for each day and divide that by 21. The result is a line on the chart representing the average. Because it’s an average in the selected timeframe, the trend is always lagging. An moving average looks like this on the chart:

Source: Tradingview.com

In this case, the blue line represents a 21 day moving average. Because the average is based on results from the past, the indicator will always lag behind. For example, when price would suddenly go up, the moving average won't immediately follow.

All other moving averages discussed below look the same on the chart. The only difference is that the line will move in different directions based on the maths behind the used indicators and the amount of days used to determine the average.

Exponential moving average

The EMA gives more weight to the latest closing prices by giving them more value in the equation. EMA is calculated by adding a certain percentage to the latest closing prices:

EMA = (CLOSE (i) * P) + (EMA (i - 1) * (1 - P))

Where:

CLOSE (i) = current period close price.
EMA (i - 1) = value of the Moving Average of a preceding period.
P = the percentage of using the price value.

Smoothed moving average

A smoothed moving average is an exponential moving average with a long lookback period. Older prices are reduced in weight but are never left out in the calculation. Unlike SMA and EMA where prices are removed when they are beyond the selected period. SMMA is a combination of the SMA and EMA. The main advantage is that it smooths out fluctuations in price.

Linear weighted moving average

The LWMA gives the latest price the highest weight and then lineary scales down with each price before that. The result is that the LWMA reacts quicker to changes in price than the SMA or EMA. The formula:

LWMA = ((Pn∗W1)+(Pn−1∗W2)+(Pn−2∗W3)...) / ∑W

Where:

P = Price for the period.
n = The most recent period, n-1 is the prior period, and n-2 is two periods prior.
W = The assigned weight to each period, with the highest weight going first and then descending linearly based on the number of periods being used.

Moving averages are widely used by many traders. Which moving average you need depends on your trading strategy. Common practise is using a combination of multiple periods. For example, the EMA21, EMA50, EMA100 and EMA200. How does that look on a chart:

Source: Tradingview.com

The lowest (purple) line on the chart represents the EMA200 then following up the EMA100, EMA50 and EMA21.

You can use moving averages to determine a trend. The 200 moving average is mostly used as a baseline for determining the current trend:

When the 200 moving average is moving up it is considered a bullish trend.
When the 200 moving average is down it is considered a bearish trend.
When moving averages are flatlined, there is no clear trend so you should look for market structure, consolidation or trend reversals. Depending on how you want to trade.

This is not set in stone. Most trading strategies use multiple moving averages each with different settings. While one strategy might use the EMA20, the other uses the SMA21. There can be hundreds of different variations. Moving averages can also be used as support and resistance. More often than not, prices will bounce on moving averages.

Canyon 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 Canyon Bancorp. The current macd is 0.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Canyon Bancorp price going down in the near term. -2
MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Canyon Bancorp. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Canyon Bancorp price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1

Canyon 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 Canyon Bancorp. The current adx is 0.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is 0/(-7 +7).

PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.

Canyon 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 Canyon Bancorp. The current sar is 0.005.

Canyon Bancorp Daily Parabolic SAR Chart

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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 Canyon Bancorp. The current rsi is 0. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 1/(-13 +13).

Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1

Measures the speed and change of price movements.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

The RSI measures the magnitude of recent price changes to determine if the asset is overbought or oversold.

Overbought (RSI above 70) means that the trading price is above its intrinsic value. This might indicate a sell or short signal.
Oversold (RSI below 30) means that the trading price is below its intrinsic value. This might indicate a buy or long signal.
RSI levels above or below 50 can also be used to determine a trend.
RSI divergence looks at a deviation between RSI and price movement.
Can be used in many different ways.

Original usage

Keep in mind that almost every indicator can be used in different ways. Even beyond the orginal settings. The relative strength index was developed by J. Welles Wilder. Wilder recommended a smoothing period of 14 days. That means a 14 day moving average (read more about this setting below). Another quote from the wikipedia page:

Wilders also considers the RSI 50 line as both support and resistance. I recommend to always read the original settings first before using an indicator. Many traders and websites are using their own version of the indicator which might be confusing.

How you can use RSI (Divergence)

First and foremost, there is no real right or wrong usage of the RSI indicator. You can use it in any way you want. Wilder recommends using a 14 day average but you can make it 50 or 100 if you like. Just keep in mind that using an indicator is just part of a larger trading plan. In other words, it’s not recommended to do any trading or investing based on a single indicator like the RSI.

The RSI is measured on a scale between 0 and 100. From 30 till 0 is considered oversold. and from 70 -100 is overbought. The RSI is a leading indicator, meaning the signals are instant.

I like to use the RSI as a trend\momentum indicator and not as an overbought or oversold indicator. I use the middle (50) as the baseline. When prices go above RSI 50 the trend is bullish and can indicate long positions. When below 50 it is considered bearish and can indicate short positions. Other traders use the 70 and 30 levels as overbought/oversold depending on the used strategy. The RSI indicator looks like this:

Source: Tradingview.com

The general concensus is that an RSI above 70 indicates that the security is overbought. In other words, the price this security is trading for is to high and should come down. So if RSI hits 70 or above this might indicate a sell signal or taking a short position (expecting the price will go down). Although RSI above 70 indicates the security is trading above it's fair value, that does not mean the price will go down.

Use tradingview to add indicators

I highly recommend using tradingview to add indicators to a chart. It has all the indicators you can think off and can add them for free (up to three indicators) to any chart you want. You can see that the levels 30 and 70 are marked with a dotted line. If you want you can remove these lines or give it another colour using Tradingview. You can also adjust the moving average used. You can also find RSI indicators made by the community that include other settings like RSI divergences.

Tradingview

Use Tradingview to (back)test your strategies and add hundreds of indicators created by the community.

View tool on Tradingview.com

RSI divergence

RSI is not only used to determine momentum but can also spot reversals or continuations of the trend. A reversal means that the trend is going in the opposite direction. From bullish to bearish or from bearish to bullish. These reversals can be spotted by looking at the price and the direction of the RSI. When the price is going up but the RSI is going down that means there is a divergence. This is also the case when RSI goes up but price is going down.

There are four types of divergences:

Regular bullish divergence
Regular bearish divergence
Hidden bullish divergence
Hidden bearish divergence

Regular bullish divergence

With a regular bullish divergence, the price is making lower highs but the oscillator (in this case the RSI) is making higher lows. A regular bullish divergence might indicate the end of the current trend. You’ll see regular bullish divergences mostly at the end of a downtrend. But that does not mean that every regular bullish divergence is a trend reversal.

Price is making lower highs
RSI is making higher lows
Indicating bullish reversal (price might go up)

Source: Tradingview.com

Regular bearish divergence

With a regular bearish divergence the price is making higher highs but the oscillator (in this case the RSI) is making lower highs. This might indicate the end of an uptrend.

Price is making higher highs
RSI is making lower highs
Indicating bearish reversal

Source: Tradingview.com

Hidden bullish divergence

With a hidden bullish divergence, the price is making a higher low while the RSI is making a lower low. This might indicate bullish trend continuation.

Price is making higher lows
RSI is making lower lows
Indicating bullish continuation

Source: Tradingview.com

As you have noticed, you can have multiple divergences in a row.

Hidden bearish divergence

With a hidden bearish divergence, price is making lower highs but RSI is making higher highs. This might indicate bearish trend continuation.

Price is making lower highs
RSI making higher highs
Indicating bearish continuation

Source: Tradingview.com

You can find many cheatsheets of RSI divergences online. Search for "RSI divergence overview" and you'll find a lot of examples. You can print these to learn the various types of divergences.

Canyon 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 Canyon Bancorp. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
STOCH < 20: The STOCH %K is below 20 and oversold. -2
STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Canyon Bancorp price going down in the near term. -2
Trending down: The STOCH %K is trending down. -1

Canyon 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 Canyon Bancorp. The current cci is -66.66666667.

Canyon 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 Canyon Bancorp. The current cmo is 0.

Canyon 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 Canyon Bancorp. The current willr is 0.

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

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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 Canyon Bancorp.

Canyon 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 Canyon Bancorp. The current atr is 0.

Canyon Bancorp Daily Average True Range (ATR) Chart

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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 Canyon Bancorp. The current obv is 0.

Canyon 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 Canyon Bancorp. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

MFI < 50: -1
MFI < 20: -1

Canyon Bancorp Daily Money Flow Index (MFI) Chart

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6. Summary

6.1. Notifications

Type	Notification	Date
Currently no notifications for Canyon 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.

Date	Indicator	Signal

6.3. Candlestick Patterns

Date	Candlestick Pattern

6.4. Technical Score

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

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	0.000
Ma 20	Greater than	Ma 50	0.005
Ma 50	Greater than	Ma 100	0.005
Ma 100	Greater than	Ma 200	0.005
Open	Greater than	Close	0.005
Total			0/5 (0.0%)

Create your own Symbol Scanner

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Quick analysis of Canyon Bancorp (30 sec.)

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

What is your share worth?

+ What do you gain per year?

For what price can you sell your share?

1. Valuation of Canyon Bancorp (5 min.)

$0.01

$0.00

2. Growth of Canyon Bancorp (5 min.)

Is Canyon Bancorp growing?

How much money is Canyon Bancorp making?

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

3. Financial Health of Canyon 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 Canyon Bancorp? (5 min.)

What can you expect buying and holding a share of Canyon Bancorp?

Speculation

Investing

How much money are you going to get?

When do you get the money?

Fundamentals of Canyon Bancorp

About Canyon Bancorp

Financial Health

Valuation

1.1. Profitability of Canyon Bancorp.

1.1. Profitability

1.1.1. Net Profit Margin

Trends

Compared to industry (Banks - Regional)

1.1.2. Return on Assets

Trends

Compared to industry (Banks - Regional)

1.1.3. Return on Equity

Trends

Compared to industry (Banks - Regional)

1.2. Operating Efficiency of Canyon Bancorp.

1.2. Operating Efficiency

1.2.1. Operating Margin

Trends

1.2.2. Operating Ratio

Trends

1.3. Liquidity of Canyon Bancorp.

1.3. Liquidity

1.3.1. Current Ratio

Trends

1.3.2. Quick Ratio

Trends

1.4. Solvency of Canyon Bancorp.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Trends

Compared to industry (Banks - Regional)

1.4.2. Debt to Equity Ratio

Trends

Compared to industry (Banks - Regional)

2. Market Valuation of Canyon Bancorp

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Trends

Compared to industry (Banks - Regional)

2.2. Price To Free Cash Flow Ratio

Trends

Compared to industry (Banks - Regional)

2. Book Value per Share

2.3. Price to Book Ratio

Trends

Canyon Bancorp
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