Central Valley Community Analysis
Central Valley Community has over 158.86 Million in debt which may indicate that it relies heavily on debt financing. With a high degree of financial leverage come high-interest payments, which usually reduce Central Valley's Earnings Per Share (EPS).
Asset vs Debt
Equity vs Debt
Central Valley's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Central Valley's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Central Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Central Valley's stakeholders.
For most companies, including Central Valley, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Central Valley Community, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Central Valley's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Given that Central Valley's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which Central Valley is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of Central Valley to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, Central Valley is said to be less leveraged. If creditors hold a majority of Central Valley's assets, the Company is said to be highly leveraged.
Central Valley Community is undervalued with Real Value of 0.0 and Hype Value of 0.0. The main objective of Central Valley delisted stock analysis is to determine its intrinsic value, which is an estimate of what Central Valley Community is worth, separate from its market price. There are two main types of Central Valley's stock analysis: fundamental analysis and technical analysis.
The Central Valley stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Central Valley is usually not traded on Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday. Central Stock trading window is adjusted to America/New York timezone.
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Central Stock Analysis Notes
About 15.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.14. Some equities with similar Price to Book (P/B) outperform the market in the long run. Central Valley Community has Price/Earnings To Growth (PEG) ratio of 2.2. The entity last dividend was issued on the 1st of February 2024. The firm had 2:1 split on the 1st of November 2005. Central Valley Community Bancorp operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in the central valley area of California. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California. Central Vly operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 235 people. For more info on Central Valley Community please contact the company at 559 298 1775 or go to https://www.cvcb.com.Central Valley Community Investment Alerts
| Central Valley is not yet fully synchronised with the market data | |
| Central Valley has some characteristics of a very speculative penny stock | |
| Central Valley has a very high chance of going through financial distress in the upcoming years | |
| About 15.0% of the company shares are held by company insiders |
Central Valley Community Upcoming and Recent Events
Earnings reports are used by Central Valley to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period..
| 18th of April 2024 Upcoming Quarterly Report | View | |
| 18th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 16th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Central Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 235.33 M.Central Profitablity
The company has Profit Margin (PM) of 0.29 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.36 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.36.Central Valley Community Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Central Valley insiders, such as employees or executives, is commonly permitted as long as it does not rely on Central Valley's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Central Valley insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Jeff Martin over a year ago Acquisition by Jeff Martin of 1200 shares of Central Valley at 14.0 subject to Rule 16b-3 | ||
James Kim over a year ago Acquisition by James Kim of 1272 shares of Central Valley at 16.011 subject to Rule 16b-3 | ||
Sommer Thomas L over a year ago Exercise or conversion by Sommer Thomas L of 1000 shares of Central Valley subject to Rule 16b-3 | ||
Silva Dorothea D over a year ago Acquisition by Silva Dorothea D of 2159 shares of Central Valley subject to Rule 16b-3 |
Central Valley Outstanding Bonds
Central Valley issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Central Valley Community uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Central bonds can be classified according to their maturity, which is the date when Central Valley Community has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Central Valley Community Debt to Cash Allocation
As Central Valley Community follows its natural business cycle, the capital allocation decisions will not magically go away. Central Valley's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Central Valley Community currently holds 158.86 M in liabilities with Debt to Equity (D/E) ratio of 8.16, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Central Valley's use of debt, we should always consider it together with its cash and equity.Central Valley Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Central Valley's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Central Valley, which in turn will lower the firm's financial flexibility.Central Valley Corporate Bonds Issued
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Other Consideration for investing in Central Stock
If you are still planning to invest in Central Valley Community check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Central Valley's history and understand the potential risks before investing.
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