Central Valley Community Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
N/AN/A
Price/Sales ratio
N/AN/A
Earnings per Share (EPS)
$2.91$1.75

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
22.8511.9914.8917.9411.8913.559.178.949.3110.2610.5013.55
Price/Sales ratio
2.572.684.193.833.533.852.433.162.972.402.573.85
Price/Book Value ratio
0.920.941.371.201.151.270.761.021.421.261.101.27
Price/Cash Flow ratio
7.057.5017.399.988.4613.3810.985.9310.259.4110.978.46
Price/Free Cash Flow ratio
7.647.8318.6310.338.6913.9412.046.0710.4114.5220.898.69
Price/Earnings Growth ratio
-0.600.110.43-1.090.2821.557.330.20-4.32-2.581.320.28
Dividend Yield
1.81%1.50%1.20%1.19%1.68%1.99%2.96%2.26%2.27%2.15%1.20%1.99%
Profitability Indicator Ratios
Gross Profit Margin
100%100%99.63%99.42%99.72%100%100%100%100%100%100%99.72%
Operating Profit Margin
31.65%48.43%59.92%52.83%41.07%39.75%35.51%47.27%46.27%-0.81%48.33%41.07%
Pretax Profit Margin
10.07%27.69%41.03%36.29%39.00%39.75%35.51%47.27%42.16%31.03%32.14%39.75%
Net Profit Margin
11.28%22.41%28.18%21.37%29.75%28.46%26.51%35.31%31.97%23.41%24.38%28.46%
Effective Tax Rate
-12.06%19.06%31.30%41.11%23.71%28.40%25.36%25.29%24.17%24.53%24.14%23.71%
Return on Assets
0.44%0.85%1.05%0.84%1.38%1.34%1.01%1.15%1.09%1.04%0.92%1.34%
Return On Equity
4.03%7.86%9.25%6.69%9.68%9.39%8.30%11.45%15.25%12.33%11.29%9.68%
Return on Capital Employed
1.26%1.87%2.26%2.11%1.95%1.91%1.38%1.57%1.64%-0.16%1.85%1.91%
Liquidity Ratios
Current Ratio
0.480.500.460.440.370.380.04N/AN/AN/A1.690.37
Quick Ratio
40.7845.4746.5149.5332.6920.3228.4736.9110.150.031.6920.32
Cash ratio
4.575.892.124.721.031.742.254.080.390.021.691.03
Days of Sales Outstanding
148.77138.77202.62143.59128.44155.74138.69148.45336.65N/AN/A155.74
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/A202.62143.59128.44N/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/A33.06K20.57K38.05KN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/A-32.86K-20.43K-37.92KN/AN/AN/AN/AN/AN/A-37.92K
Debt Ratios
Debt Ratio
0.000.000.000.000.000.000.000.010.040.060.050.00
Debt Equity Ratio
0.030.030.030.020.060.020.020.160.660.730.640.06
Long-term Debt to Capitalization
0.030.030.030.020.020.020.020.130.280.250.240.02
Total Debt to Capitalization
0.030.030.030.020.060.020.020.140.390.420.390.06
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A17.09N/AN/AN/A2.27N/A
Cash Flow to Debt Ratio
3.323.392.344.891.974.213.291.030.200.180.154.21
Company Equity Multiplier
9.099.168.797.926.996.998.179.8813.8611.7711.406.99
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.360.350.240.380.410.280.220.530.290.250.230.28
Free Cash Flow / Operating Cash Flow Ratio
0.920.950.930.960.970.950.910.970.980.640.520.95
Cash Flow Coverage Ratio
3.323.392.344.891.974.213.291.030.200.180.154.21
Short Term Coverage Ratio
N/AN/A32.49N/A2.99N/AN/A21.660.520.330.31N/A
Dividend Payout Ratio
41.36%18.05%17.88%21.46%20.05%27.07%27.17%20.27%21.15%22.15%25.47%20.05%