OTC · Banks - Regional

Community Bancorp of Santa Maria (CYSM) Stock

$21.00 -5.19% OTC: CYSM Financial Services

Community Bancorp of Santa Maria, operating through its subsidiary, Community Bank of Santa Maria, offers a comprehensive suite of banking services to both businesses and individual clients. The institution's diverse range of deposit products includes checking, NOW, money market, savings, seedling, Christmas Club, and individual retirement accounts, as well as CDARS and certificates of deposit.

Valuation

MetricValue
Price$21.00
Market Cap$45.40M
P/E Ratio10.50
P/B Ratio1.15
P/S Ratio2.11
EPS (TTM)$2.00
52-Week High$22.63
52-Week Low$14.68
Dividend Yield1.52%

Financials & Margins

MetricValue
ROE11.37%
ROA1.10%
ROCE12.13%
Gross Margin82.88%
Operating Margin26.65%
Net Margin20.05%
Debt/Equity0.21
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$14.0M$15.0M$17.0M$19.0M$21.0M
Operating Profit$4.0M$5.0M$5.0M$7.0M$5.0M
Net Profit$3.0M$4.0M$4.0M$3.0M$4.0M
EPS$1.32$1.66$1.81$1.51$1.88
Op Margin26.4%32.2%30.0%38.6%25.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$415.0M$399.0M$392.0M$406.0M$429.0M
Total Liabilities$385.0M$376.0M$363.0M$373.0M$391.0M
Cash$77.0M$16.0M$10.0M$20.0M$5.0M
Borrowings$4.0M$4.0M$4.0M$6.0M$4.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$3.0M$4.0M$5.0M$5.0M$4.0M
Investing Cash Flow$-37.0M$-54.0M$2.0M$-5.0M$-9.0M
Financing Cash Flow$71.0M$-9.0M$-13.0M$10.0M$17.0M
Net Cash Flow$40.0M$-59.0M$-7.0M$9.0M$0
Free Cash Flow$3.0M$4.0M$5.0M$4.0M$4.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.49
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y43.22%
Return 3Y128.60%
Return 5Y106.65%

Ownership

Insiders Held0.00%
Institutions Held8.19%
Institutions Float Held8.19%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC172,5952026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALBYCommunity Capital Bancshares, Inc. $32.33 +1.06% 8.40 $41.14M 6.34%
BHDBBank of Labor Bancshares, Inc. $124.00 +0.00% 0.00 $42.47M 3.91%
EXCHExchange Bankshares, Inc. $69.00 +0.00% 0.00 $40.62M 2.55%
HCBCHigh Country Bancorp, Inc. $43.61 -0.32% 9.38 $43.50M 4.59%
HCKGHocking Valley Bancshares, Inc. $31.00 +0.00% 8.45 $38.54M 2.58%

About Community Bancorp of Santa Maria

Community Bancorp of Santa Maria, operating through its subsidiary, Community Bank of Santa Maria, offers a comprehensive suite of banking services to both businesses and individual clients. The institution's diverse range of deposit products includes checking, NOW, money market, savings, seedling, Christmas Club, and individual retirement accounts, as well as CDARS and certificates of deposit. Its robust lending portfolio features home equity lines of credit, various real estate loans (personal, commercial, multi-family, and construction), personal and vehicle loans, mortgage options, agribusiness financing, commercial equipment loans, and commercial revolving lines of credit, in addition to its Redi-Credit service. Furthermore, the bank provides credit and debit cards, along with convenient e-banking facilities. The company conducts its operations from two full-service branches located in California's Central Coast region. Established in 2001, its main office is situated in Santa Maria, California.

Community Bancorp of Santa Maria is headquartered in US.

Community Bancorp of Santa Maria (CYSM) stock trades at $21.00 with a market capitalization of $45.40M. The stock is valued at a price-to-earnings (P/E) ratio of 10.50, price-to-book of 1.15, price-to-sales of 2.11. Over the past 52 weeks the stock has ranged between $14.68 and $22.63, and currently trades 7.2% below its 52-week high. It pays a dividend yielding 1.52%.

On profitability, Community Bancorp of Santa Maria generates a return on equity (ROE) of 11.37%, return on capital employed of 12.13%, an operating margin of 26.65%, a net profit margin of 20.05%.

Official website: www.yourcbsm.com

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