OTC · Banks - Regional

CMUV Bancorp (CMUV) Stock

$24.72 +0.00% OTC: CMUV Financial Services

CMUV Bancorp functions as the parent entity for Community Valley Bank, delivering a comprehensive array of financial services to both personal and commercial clients across California. The institution offers diverse deposit accounts, including checking, money market, and savings, alongside various lending and investment products.

Valuation

MetricValue
Price$24.72
Market Cap$43.79M
P/E Ratio11.61
P/B Ratio1.41
P/S Ratio2.34
EPS (TTM)$2.13
52-Week High$25.00
52-Week Low$19.25
Dividend Yield1.94%

Financials & Margins

MetricValue
ROE12.62%
ROA1.21%
ROCE12.32%
Gross Margin69.66%
Operating Margin29.11%
Net Margin20.09%
Debt/Equity0.28
Current Ratio0.11

Annual Financials (USD)

Metric20202021202220232024
Revenue$10.0M$13.0M$12.0M$12.0M$19.0M
Operating Profit$5.0M$7.0M$5.0M$5.0M$5.0M
Net Profit$3.0M$5.0M$4.0M$4.0M$4.0M
EPS$1.45$2.21$1.92$1.85$2.08
Op Margin44.8%54.3%45.7%40.8%29.1%

Balance Sheet (USD)

Metric20202021202220232024
Total Assets$260.0M$277.0M$278.0M$298.0M$312.0M
Total Liabilities$234.0M$253.0M$250.0M$269.0M$281.0M
Cash$39.0M$54.0M$36.0M$45.0M$28.0M
Borrowings$25.0M$13.0M$11.0M$9.0M$9.0M

Cash Flow (USD)

Metric20202021202220232024
Operating Cash Flow$4.0M$4.0M$4.0M$4.0M$5.0M
Investing Cash Flow$-47.0M$-2.0M$-19.0M$-13.0M$-33.0M
Financing Cash Flow$37.0M$25.0M$0$19.0M$11.0M
Net Cash Flow$12.0M$16.0M$-18.0M$9.0M$-17.0M
Free Cash Flow$4.0M$3.0M$3.0M$1.0M$4.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.12
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CFOKCommunity First Bancorporation $8.00 -1.84% 11.27 $44.12M 0.00%
EGFHF $2.92 +0.00% — $44.42M 0.00%
MIFFMifflinburg Bancorp, Inc. $26.00 +0.00% 13.33 $48.32M 5.85%
MYBFMuncy Bank Financial, Inc. $33.00 -0.15% 8.46 $53.08M 0.00%
NUBCNorthumberland Bancorp $29.50 +0.00% 21.53 $38.70M 3.12%

About CMUV Bancorp

CMUV Bancorp functions as the parent entity for Community Valley Bank, delivering a comprehensive array of financial services to both personal and commercial clients across California. The institution offers diverse deposit accounts, including checking, money market, and savings, alongside various lending and investment products. Specifically, its loan portfolio encompasses construction and land development, commercial real estate, commercial and industrial financing, and consumer loans. Additionally, it provides convenient online and mobile banking capabilities. CMUV Bancorp maintains a network of five full-service branches located in El Centro, Brawley, Borrego Springs, Palm Desert, and Julian, complemented by a dedicated loan production office in La Mesa. The company was established in 2007 and has its headquarters in El Centro, California.

CMUV Bancorp is headquartered in US.

CMUV Bancorp (CMUV) stock trades at $24.72 with a market capitalization of $43.79M. The stock is valued at a price-to-earnings (P/E) ratio of 11.61, price-to-book of 1.41, price-to-sales of 2.34. Over the past 52 weeks the stock has ranged between $19.25 and $25.00, and currently trades 1.1% below its 52-week high. It pays a dividend yielding 1.94%.

On profitability, CMUV Bancorp generates a return on equity (ROE) of 12.62%, above the typical market average, return on capital employed of 12.32%, an operating margin of 29.11%, a net profit margin of 20.09%.

Official website: www.yourcvb.com

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